论文标题
在退休的正轨？
On Track for Retirement?
论文作者
论文摘要
一家大型南非公司员工中有超过60％的雇员对退休基金的最低率为7.5％，远低于财务顾问建议的15％的税率。我使用现场实验来调查为员工提供退休计算器（显示退休收入预测）是否会导致贡献的增加。影响可以忽略不计。对计算器的缺乏反应表明，许多员工可能希望节省低于最低限度。我使用不对称信息的模型来解释为什么雇主设定最低约束力。
Over sixty percent of employees at a large South African company contribute the minimum rate of 7.5 percent to a retirement fund, far below the rate of 15 percent recommended by financial advisers. I use a field experiment to investigate whether providing employees with a retirement calculator, which shows projections of retirement income, leads to increases in contributions. The impact is negligible. The lack of response to the calculator suggests many employees may wish to save less than the minimum. I use a model of asymmetric information to explain why the employer sets a binding minimum.
