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Personal Retirement Accounts and Saving.

Emma Aguila1

  • 1RAND, 1776 Main Street, Santa Monica, CA 90407.

American Economic Journal. Economic Policy
|March 14, 2017
PubMed
Summary
This summary is machine-generated.

Many countries are reforming social security with personal retirement accounts (PRAs). While boosting macro savings, PRAs for lower-income workers in Mexico increased consumption, offsetting some private saving gains.

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Area of Science:

  • Economics
  • Public Policy
  • Demographics

Background:

  • Global aging populations necessitate social security reforms.
  • Many nations are transitioning from pay-as-you-go to personal retirement account (PRA) systems.
  • PRAs are favored for financial sustainability and potential to increase private savings.

Purpose of the Study:

  • To analyze the micro-level effects of personal retirement accounts on individual saving and consumption patterns.
  • To evaluate the net impact of PRAs on private savings, considering both macro and micro-level changes.

Main Methods:

  • Analysis of data related to Mexico's introduction of personal retirement accounts.
  • Examination of changes in saving and consumption behavior among individuals, particularly lower-income workers.
  • Comparison of macro-level PRA effects with micro-level behavioral responses.

Main Results:

  • Personal retirement accounts increased retirement wealth for lower-income workers in Mexico.
  • This increase in wealth led to reduced saving and increased consumption among these individuals.
  • The micro-level effects partially offset the intended increase in private savings at the macro level.

Conclusions:

  • Personal retirement account systems have complex effects on individual financial behavior.
  • Policy reforms must consider micro-level behavioral responses to PRAs to accurately predict impacts on private savings.
  • The effectiveness of PRAs in boosting national private savings may be moderated by changes in individual saving and consumption patterns.