利用“重新开始”来推动增加退休储蓄。
Using Fresh Starts to Nudge Increased Retirement Savings.
作者信息
Beshears John, Dai Hengchen, Milkman Katherine L, Benartzi Shlomo
机构信息
Harvard University and NBER.
University of California, Los Angeles.
出版信息
Organ Behav Hum Decis Process. 2021 Nov;167:72-87. doi: 10.1016/j.obhdp.2021.06.005. Epub 2021 Jul 22.
We conducted a field experiment to study the effect of framing future moments in time as new beginnings (or "fresh starts"). University employees (N=6,082) received mailings with an opportunity to choose between increasing their contributions to a savings plan immediately or at a specified future time point. Framing the future time point in relation to a fresh start date (e.g., the recipient's birthday, the first day of spring) increased the likelihood that the mailing recipient chose to increase contributions at that future time point without decreasing their likelihood of increasing contributions immediately. Overall, fresh start framing increased retirement plan contributions in the eight months following the mailing. Our findings represent the first experimental demonstration of the benefits of fresh start framing in a consequential field setting.
我们进行了一项实地实验，以研究将未来时刻构建为新起点（或“全新开始”）的效果。大学员工（N = 6,082）收到了邮件，有机会选择是立即增加对储蓄计划的缴款，还是在指定的未来时间点增加。将未来时间点与全新开始日期（例如收件人的生日、春天的第一天）相关联进行构建，增加了邮件收件人选择在那个未来时间点增加缴款的可能性，同时又不降低他们立即增加缴款的可能性。总体而言，全新开始构建在邮件发送后的八个月内增加了退休计划的缴款。我们的研究结果首次在一个重要的实地环境中通过实验证明了全新开始构建的益处。
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