Delavande Adeline, Rohwedder Susann
RAND Corporation and Universidade Nova de Lisboa, Economist and Assistant Professor.
J Appl Econ (Chichester Engl). 2011;26(3):498-519. doi: 10.1002/jae.1235.
Little is known about the degree to which individuals are uncertain about their future Social Security benefits, how this varies within the U.S. population, and whether this uncertainty influences financial decisions related to retirement planning. To illuminate these issues, we present empirical evidence from the Health and Retirement Study Internet Survey and document systematic variation in respondents' uncertainty about their future Social Security benefits by individual characteristics. We find that respondents with higher levels of uncertainty about future benefits hold a smaller share of their wealth in stocks.
对于个人对其未来社会保障福利的不确定程度、这种不确定性在美国人口中的差异情况，以及这种不确定性是否会影响与退休规划相关的财务决策，我们所知甚少。为了阐明这些问题，我们展示了来自健康与退休研究互联网调查的实证证据，并记录了受访者对其未来社会保障福利的不确定性因个人特征而产生的系统性差异。我们发现，对未来福利不确定性较高的受访者在股票中持有的财富份额较小。
