Spending from Regulated Retirement Drawdowns: The Role of Implied Endorsement*
在荷兰和澳大利亚的在线调查发现，政府监管的退休金提取规则作为一种隐含认可，影响了约30%参与者的退休支出偏好，尤其对财务资源少和退休金能力低的人更有效。
Abstract We fielded an online survey in the Netherlands and Australia to explore the influence of an implied endorsement nudge, conveyed by a government‐regulated drawdown from pension wealth, on spending patterns in retirement. The implied endorsement nudge was effective. It influenced the preferred retirement spending patterns of around 30 percent of survey participants, particularly those with fewer financial resources and low pension capability. Australian participants were more likely to follow the nudge where it was framed as implicit government advice, while the Dutch were more likely to respond to a suggestion that the nudge was a recommendation from peers. Our results provide support for a regulated drawdown rule as part of a strategy to guide spending patterns in retirement.