Just Keep My Money! Supporting Tax-Time Savings with US Savings Bonds
2007年实验发现，在退税时提供购买美国储蓄债券的简化选项，能显著提高中低收入家庭现场购买储蓄产品的比例，尤其是用于子女的资产积累。
This paper reports the results of a 2007 experiment testing whether specific process simplification can foster increased take-up rates for savings products, particularly by low-to-moderate income (LMI) households. Tax refund recipients at certain H&R Block tax preparation offices were given the option to purchase US Savings Bonds with their tax refunds, augmenting the tax-site savings options offered by H&R Block. Those who received the savings bond offer were substantially more likely to purchase a savings product on-site than those who didn't, even after controlling for client demographics. Much of this take-up was directed at intra-family gifting, or asset building on behalf of children.