一项以社区为基础的随机对照试验,针对教育干预措施,以促进西班牙裔人士的退休储蓄
Luisa R Blanco1, O Kenrik Duru2, Carol Mangione2
1School of Public Policy, Pepperdine University.
Journal of family and economic issues
|July 27, 2023
概括
基于社区的干预有效地促进了低至中等收入西班牙裔的退休储蓄. 该计划显著增加了我的退休账户 (myRA) 的注册人数,并改善了财务知识.
科学领域:
- 财务规划和退休储蓄行为
- 基于社区的健康和金融干预措施.
- 行为经济学和推动行为经济学.
背景情况:
- 低收入和中等收入的个人,特别是西班牙语的西班牙裔,往往无法获得雇主赞助的退休账户.
- 需要有效的战略来促进贫困人口的退休储蓄.
- 财务素养和获得储蓄工具对于长期财务安全至关重要.
研究的目的:
- 评估基于社区的教育干预与行为推动对退休储蓄行为的影响.
- 评估干预措施在促进开设联邦资助的退休储蓄账户 (myRA) 的有效性.
- 检查干预对自我报告的财务知识和退休准备的影响.
主要方法:
- 一项基于社区的随机对照试验与142名参与者进行.
- 干预组获得了西班牙语的财务规划信息和行为提示.
- 使用差异分析来估计干预对myRA开户的影响.
主要成果:
- 该干预措施显著增加了参与者开启myRA的比例 (14%在治疗中vs0%在控制中).
- 预计干预的预计效果是myRA账户开设率增加了12%.
- 在有银行账户的参与者中,干预的效果更高 (17%) ,并且自我报告的财务知识更好.
结论:
- 一个有针对性的教育干预,包括行为推动,可以有效地促进贫困人口的退休储蓄.
- 我的退休账户 (myRA) 是一个可行的联邦赞助的选择,适用于没有雇主赞助计划的个人.
- 未来的研究应该探索这种干预措施的长期影响和可扩展性.
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