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Updated: Sep 6, 2025

The Joint Effect of Social Comparison and Social Distance on Evaluation of Intertemporal Choice Outcomes in Event-related Potential Studies
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Published on: August 25, 2023

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What matters in the annuitization decision?

Mohamad Hassan Abou Daya1, Carole Bernard1,2

  • 1Department of Accounting, Law and Finance, Grenoble Ecole de Management, 12, Rue Pierre Sémard, 38000 Grenoble, France.

Swiss Journal of Economics and Statistics
|June 27, 2022
PubMed
Summary

Financial analysts' stock market expectations influence life annuity purchases. Untrusted expectations decrease annuity uptake, while trusted ones reduce it further, impacting retirement wealth decisions.

Keywords:
Annuities demandMultiple factors testTrust in financial analysts

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Area of Science:

  • Behavioral economics
  • Financial decision-making
  • Retirement planning

Background:

  • Life annuities are crucial for retirement income security but face low uptake.
  • Rational and behavioral factors influence annuity purchase decisions.
  • The impact of financial analysts' short-term market expectations on annuitization is underexplored.

Purpose of the Study:

  • To simultaneously assess factors influencing life annuity uptake in Americans.
  • To investigate how analysts' stock market expectations affect retirement wealth annuitization.
  • To explore the psychological mechanisms and mediating factors behind these decisions.

Main Methods:

  • Simultaneous testing of multiple rational and behavioral factors.
  • Analysis of a sample of American individuals' annuity purchase decisions.
  • Examination of the influence of trusting or distrusting analysts' expectations.

Main Results:

  • Facing analysts' expectations without trust reduced annuity purchases.
  • Trusting financial analysts' expectations further decreased annuity purchase likelihood.
  • Availability heuristic and present bias were identified as contributing factors.
  • Annuity antipathy was found to play a mediating role.

Conclusions:

  • Financial analysts' expectations significantly impact life annuity decisions.
  • Psychological biases, including availability heuristic and present bias, are key drivers.
  • Understanding these factors is crucial for policymakers and annuity providers.
  • Further research is needed to explore annuity antipathy and decision-making.