How does an environment of persistent low returns influence saving, investing andretirement behaviors?
A new paper from National Bureauof Economic Research explores how persistent low returnswould shape workers' and retirees' decision-making regarding accumulationand retirement patterns.
“Persistent low returns can compel workers to save more andinvest differently when allocating across stocks and bonds.Moreover, the low interest rate environment can also changeretirement decisions, especially regarding how long to work andwhen to claim Social Security benefits,” according to the paper,which was written by The Wharton School's Olivia Mitchell andGoethe University Frankfurt's Vanya Horneff and Raimond Maurer.
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Emily Zulz
Emily joined the ThinkAdvisor team as a reporter in the summer of 2014. She previously worked as a reporter for The Daily Journal in Kankakee, Illinois for a year and as a reporter and editor for The Daily Eastern News in Charleston, Illinois for two and a half years. Prior to joining ThinkAdvisor, Emily worked on Groupon’s editorial team in Chicago as a fact checker for three years. She graduated cum laude with a BA in journalism from Eastern Illinois University, and she has been the recipient of two journalism awards for her news reporting at daily newspapers.
