The Impact of Individual Investment Behavior for Retirement Welfare: Evidence from the United States and Germany



Figure 4: Welfare Losses, ∆W0 / W0, for U.S. (SCF) Data; Gender = 0 (male),
γ = 1, 2, or 3, δ = 0.97, Age = 50, Education = Middle *

gamma = 1


A

C

A

C


g

—«
I
*J
φ

■О


1. 00

0. 80

0. 60

0. 40

0     50,000 100,000 150,000 200,000


B

B

B

BB


C

C

AC

AC


A
B
BB


C
AAC
AC


BB


AAC
A


BB


Net w orth




Noncapital Income

B 20,000

A 36,000

C 49,000

* Dotted vertical lines indicate age-specific quantiles for Net worth (25%, 50% and 75%); age-specific
quantiles for Labor Income are labeled by
(25%), O (50%) and V (75%).

47



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