How Retirement Saving Programs Increase Saving
总结了作者关于IRA和401(k)缴款对净个人储蓄影响的研究，采用多种非参数方法控制个体储蓄行为的异质性，发现这些缴款主要代表新增储蓄，并解释了与其他研究结论差异的原因。
This paper summarizes the authors work on the effect of IRA and 401(k) contributions on net personal saving. They consider many different nonparametric approaches to controlling for heterogeneity in individual saving behavior and conclude that the weight of the available evidence suggests that contributions to both IRAs and 401(k)s largely represent new saving. The authors devote particular attention to reconciling their results with the findings in other studies that reach different conclusions, sometimes using the same databases that the authors analyze. Methodological limitations that undermine the reliability of results in other studies explain many of these disparities.