101 research outputs found
Family and government insurance: Wage, earnings, and income risks in the Netherlands and the U.S.
We document new facts about risk in male wages and earnings, household earnings, and pre- and post-tax income in the Netherlands and the United States. We find that, in both countries, earnings display important deviations from the typical assumptions of linearity and normality. Individual-level male wage and earnings risk is relatively high at the beginning and end of the working life, and for those in the lower and upper parts of the income distribution. Hours are the main driver of the negative skewness and, to a lesser extent, the high kurtosis of earnings changes. Even though we find no evidence of added-worker effects, the presence of spousal earnings reduces the variability of household income compared to that of male earnings. In the Netherlands, government transfers are a major source of insurance, substantially reducing the standard deviation, negative skewness, and kurtosis of income changes. In the U.S. the role of family insurance is much larger than in the Netherlands. Family and government insurance reduce, but do not eliminate non-linearities in household disposable income by age and previous earnings in either country
The Demand for Retirement Products: The Role of Withdrawal Flexibility and Administrative Burden (De vraag naar pensioenproducten: de rol van flexibele opname en administratieve lasten)
Hervorming Sociale Regelgevin
Raising pension awareness through letters and social media: evidence from a randomized and a quasi-experiment.
Hervorming Sociale Regelgevin
De data-agenda van de overheid dient zich ook op de data zelf te richten
Hervorming Sociale Regelgevin
Laat pensioenfondsen overwaarde huis te gelde maken via participatiehypotheek
Hervorming Sociale Regelgevin
Debt relief for the financially vulnerable: impact on employment, welfare receipt, and mental health
Hervorming Sociale Regelgevin
- …