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JOURNAL OF ACCOUNTING AND FINANCE
Lifetime Individual Retirement Arrangements: An Application of
Thaler and Sunstein’s NUDGE
Author(s): John B. Mitchell, Alinde J. Moore
Citation: John B. Mitchell, Alinde J. Moore, (2011) "Lifetime Individual Retirement Arrangements: An Application of Thaler and Sunstein’s NUDGE" Vol. 11, Iss. 2, pp. 16 - 25
Article Type: Research paper
Publisher: North American Business Press
Abstract:
This paper reviews principles of behavioral finance as applicable to retirement withdrawal planning, discusses common retirement planning problems, reviews relevant law, and proposes an application of Thaler and Sunstein’s NUDGE (2008). The paper includes a proposal for modification of U.S. federal retirement plan law to encourage behavior which will lead to reduced risk of ruin for retirees and concludes with the implications for retirees, the federal government, and financial institution.
