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	Personalized Digital Information and Tax-favoured Retirement Savings: Quasi-experimental Evidence from Administrative Data

Martedì

04.05

Zoom

12:15


https://zoom.us/j/96973372448 Meeting ID: 969 7337 2448 Password: 708736	Claudio Daminato Postdoctoral researcher at ETH Zurich

This paper studies the impact of making personalized digital information
available through a pension app on contributions to tax-favored
retirement accounts. Using Swiss administrative pension fund data, we
document limited take-up of fiscal incentives for retirement savings.
Exploiting the staggered roll-out of the app across occupational pension
funds over time, we show that its introduction has sizable effects on taxfavored contributions. Men and higher-income earners are more likely
to access the app and change contribution behavior. Further, our
results suggest that the introduction of the pension app reduces the
information and transactions costs required to make informed
retirement saving decisions.

This paper is joint work with Massimo Filippini (ETH Zurich and USI)
and Fabio Haufler (ETH Zurich)