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Essays on retirement accounts saving...

Yang, Yuan.

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Essays on retirement accounts savings and investment behavior.

Record Type:	Language materials, printed : Monograph/item
Title/Author:	Essays on retirement accounts savings and investment behavior./
Author:	Yang, Yuan.
Description:	119 p.
Notes:	Source: Dissertation Abstracts International, Volume: 71-09, Section: A, page: 3360.
Contained By:	Dissertation Abstracts International71-09A.
Subject:	Business Administration, Marketing. -
Online resource:	http://pqdd.sinica.edu.tw/twdaoapp/servlet/advanced?query=3417961
ISBN:	9781124157467

Essays on retirement accounts savings and investment behavior.
Yang, Yuan.

Essays on retirement accounts savings and investment behavior. - 119 p.

Source: Dissertation Abstracts International, Volume: 71-09, Section: A, page: 3360.

Thesis (Ph.D.)--Purdue University, 2010.

Voluntary retirement plans, such as defined contribution (DC) plans, and Individual Retirement Accounts (IRAs), have grown rapidly in the last two decades. Individuals can make decisions on whether to enroll in the plan, how much to contribute to the plan and how to allocate assets within the plan. The factors that affect individual's participation, contribution and investment decisions are investigated in two essays. The 2004-05 MacroMonitor data are used for the analyses in both essays.

ISBN: 9781124157467Subjects--Topical Terms:

1017573
Business Administration, Marketing.

Essays on retirement accounts savings and investment behavior.
LDR:03565nam 2200349 4500 001 1393890
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008 130515s2010 ||||||||||||||||| ||eng d
020 $a 9781124157467
035 $a (UMI)AAI3417961
035 $a AAI3417961
040 $a UMI $c UMI
100 1 $a Yang, Yuan. $3 1672470
245 1 0 $a Essays on retirement accounts savings and investment behavior.
300 $a 119 p.
500 $a Source: Dissertation Abstracts International, Volume: 71-09, Section: A, page: 3360.
500 $a Advisers: Sharon A. DeVaney; Richard Widdows.
502 $a Thesis (Ph.D.)--Purdue University, 2010.
520 $a Voluntary retirement plans, such as defined contribution (DC) plans, and Individual Retirement Accounts (IRAs), have grown rapidly in the last two decades. Individuals can make decisions on whether to enroll in the plan, how much to contribute to the plan and how to allocate assets within the plan. The factors that affect individual's participation, contribution and investment decisions are investigated in two essays. The 2004-05 MacroMonitor data are used for the analyses in both essays.
520 $a The first essay examined the determinants of retirement plan decisions including participation and contribution in DC plans using a double hurdle model. In addition to age, income, marital status, education and occupation, workplace financial planning benefits were an important factor affecting participation in and contribution to a DC plan. The results suggest that interventions including information and social interactions, as well as financial literacy and education played an important role in retirement plan decisions. The results showed different effects for gender and risk tolerance in participation and the amount of the contribution. Women and risk averse respondents were more likely to participate than their counterparts but they contributed smaller amounts.
520 $a The second essay built an investment risk-taking behavior model by integrating risk-taking behavior in a theoretical framework of perceived risk processing and tested the model in the context of investment in IRAs. The findings of analysis using a Structured Equation Model supported the proposed model. Search for financial information served as an input of perceived risk. Individuals who were more experienced in information search tended to perceive a lower risk toward stock investments. Also, perceived risk negatively affected risk-taking propensity in financial investments. Finally, risk-taking propensity impacted risk-taking behavior. People with greater risk-taking propensity preferred riskier choices and allocated their IRA investments to stocks. In addition, individual risk profiles including financial self-efficacy, investment time horizon, wealth and gender played an important role in perceived risk processing. Financial self-efficacy, investment time horizon, and the level of wealth had a negative effect on perceived risk but a positive effect on consumers' risk-taking propensity. Compared to men, women had a lower level of risk-taking propensity in financial investments.
590 $a School code: 0183.
650 4 $a Business Administration, Marketing. $3 1017573
650 4 $a Economics, General. $3 1017424
650 4 $a Economics, Finance. $3 626650
690 $a 0338
690 $a 0501
690 $a 0508
710 2 $a Purdue University. $b Consumer Sciences and Retailing. $3 1019131
773 0 $t Dissertation Abstracts International $g 71-09A.
790 1 0 $a DeVaney, Sharon A., $e advisor
790 1 0 $a Widdows, Richard, $e advisor
790 1 0 $a Feinberg, Richard A. $e committee member
790 1 0 $a Anderson, James G. $e committee member
790 $a 0183
791 $a Ph.D.
792 $a 2010
856 4 0 $u http://pqdd.sinica.edu.tw/twdaoapp/servlet/advanced?query=3417961