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



Figure 7: Welfare Losses, ∆W0 / W0, for U.S. (SCF) Data; Gender = 0 (male),
γ = 2, δ = 0.97, Age = 30, 50, or 65, Education = Middle, Labor Income = Median
(age-specific) *

0.60



5
I
≡≡∙
φ


0.40


Q
Q
Q
Q
Q

Q
Q


Q

Q

G QQ

G QQQ

G

G

GGG


GG

GG


Noncapital Income (age-specific median)

A21,300(age = 65)

Q 28,000 (age = 30)

G 36,000 (age = 50)


0.20


AAA AAA A

0.00 -I-
0


100,000


200,000


300,000


Net worth

* Age-specific quantiles for Net worth (25%, 50% and 75%) are for age = 30: 12,300; 32,950; 93,100;
for age = 50: 35,800;93,800; 170,100; for age = 65: 7,540; 67,020; 275,360

50



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