ABSTRACT

Experience in the UK with auto enrolling workers in pensions indicates that once enrolled, most workers stay enrolled, suggesting that auto enrollment may be a desirable policy for other countries. However, the experience with auto enrollment is much different in Poland. This paper examines the argument that inertia is not a strong force when workers distrust in the security of future pension benefits. We present a simple conceptual framework where trust affects the subjective probability distribution of workers relating to future pension benefits. We investigate how this framework might explain the high opt-out rate in Poland.

中文翻译：

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信任与自动加入养老金的行为经济学：英国和波兰的比较

摘要

英国在养老金自动登记工人方面的经验表明，一旦登记，大多数工人就会继续登记，这表明自动登记可能是其他国家的一项理想政策。然而，波兰的自动注册体验却大不相同。本文探讨了这样一个论点：当工人不信任未来养老金福利的安全性时，惰性并不是一个强大的力量。我们提出了一个简单的概念框架，其中信任影响与未来养老金福利相关的工人的主观概率分布。我们研究了这个框架如何解释波兰的高选择退出率。