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The Global ETD Search service is a free service for researchers
to find electronic theses and dissertations. This service is
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Networked Digital Library of Theses and Dissertations.
Our metadata is collected from universities around the world. If you manage a university/consortium/country archive and want to be added, details can be found on the NDLTD website.
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Showing 1 to 10 of 12 (0.196 seconds)Spelling suggestions: "subject:"4he asurvey off consumer finances"" "subject:"4he asurvey off consumer fnances""
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Behavioral Aspects of Retirement Savings: How do 401(K) Plans Affect Household Asset Accumulation?Topoleski, John 10 August 2005 (has links)
The nature of employee retirement plans has changed dramatically over the past fifteen years as employers have been replacing traditional defined benefit retirement plans with defined contribution plans like the 401(k) plan. This dissertation is focused on the impact that 401(k) plan have on household asset accumulation. The first essay looks at how much asset accumulation can be attributed to 401(k) plans as opposed to other factors such as demographics and saver type characteristics. Overall, the conclusions are consistent with recent research that says these plans induce a reshuffling of assets rather than being funded through a reduction in consumption. Controlling for cohort effects reduces the amount of wealth attributable to 401(k) eligibility to a negligible (and statistically insignificant) amount. The second essay considers the impact that borrowing against the assets in 401(k) plan might have on household asset accumulation. Most personal finance advice warns against borrowing against a retirement plan because of the potential negative impact on retirement wealth. This is especially true for borrowers who are also undisciplined savers and do not or cannot maintain their retirement plan contributions during loan period or who separate from their employers before the loan is repaid. For good savers a retirement plan loan only has a modest impact on retirement wealth. Only modest make-up contributions would need to be made to mitigate the impact of a retirement plan loan. It seems that many borrowers may be using retirement loans because they are in financial difficulty. It also appears that borrowers are trying to maintain their retirement savings, but their asset accumulation within broader measures of wealth is below that of households that do not have outstanding 401(k) loans.
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Household saving behavior, portfolio choice and children : evidence from the Survey of consumer financesYilmazer, Tansel 23 June 2011 (has links)
Not available / text
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The Effects of Gender, Age, Education, and Risk Tolerance on Credit Card BalancesWilson, Theresa M. 26 April 2008 (has links)
No description available.
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A Comparison of Two Savings Measures: An Application of Institutional Theory Among Low-Income HouseholdsHeckman, Stuart J. 28 August 2012 (has links)
No description available.
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Just Before the Great Recession, Who Could Have Expected a Substantial Income Decrease? Were They Prepared for Emergencies?Hong, Eunice Oh 28 May 2015 (has links)
No description available.
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Racial/Ethnic Disparities in Household Debt RepaymentLee, Jonghee 03 September 2009 (has links)
No description available.
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The Impact of the 2007 Recession on the Retirement Decisions of U.S. Households: Evidence from the 2007-2009 Survey of Consumer Finances Panel DatasetKim, Kyoung Tae 29 October 2014 (has links)
No description available.
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The influence of uncertainty and liquidity constraints on liquid asset holdings of credit card revolversBi, Lan 07 October 2005 (has links)
No description available.
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Factors Related to Choosing between the Internet and a Financial PlannerSon, Jiyeon 27 August 2012 (has links)
No description available.
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Three Essays on Behaviors related to Life Insurance Holdings and Financial CapabilityNam, Youngwon 29 September 2020 (has links)
No description available.
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