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The Impact of Individual Retirement Accounts on Savings


Jonathan McCarthy


Federal Reserve Bank of New York - Research Department

Han N. Pham


affiliation not provided to SSRN

Current Issues in Economics and Finance, Vol. 1, No. 6, September 1995

Abstract:     
Bills to expand individual retirement accounts have been introduced in both houses of Congress this year. While proponents argue that these accounts can help reverse the nation's declining saving rate, recent economic research suggests that the effect of the accounts on savings is in fact quite small.

Number of Pages in PDF File: 6

Keywords: individual retirement accounts, saving rate

JEL Classification: E21, E62, H31

Accepted Paper Series


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Date posted: July 19, 2007  

Suggested Citation

McCarthy, Jonathan and Pham, Han N., The Impact of Individual Retirement Accounts on Savings. Current Issues in Economics and Finance, Vol. 1, No. 6, September 1995. Available at SSRN: http://ssrn.com/abstract=1001447

Contact Information

Jonathan McCarthy (Contact Author)
Federal Reserve Bank of New York - Research Department ( email )
33 Liberty Street
New York, NY 10045
United States
(212) 720-5645 (Phone)
(212) 720-1844 (Fax)
Han N. Pham
affiliation not provided to SSRN ( email )
No Address Available
Feedback to SSRN (Beta)


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