Please use this identifier to cite or link to this item: https://hdl.handle.net/10419/228661 
Year of Publication: 
2020
Series/Report no.: 
Economics Working Paper Series No. 20/347
Publisher: 
ETH Zurich, CER-ETH - Center of Economic Research, Zurich
Abstract: 
This paper studies the impact of making personalized digital information available through a pension app on contributions to tax-favored retirement accounts. Using Swiss administrative pension fund data, we document limited take-up of fiscal incentives for retirement savings. Exploiting the staggered introduction of the pension app across occupational pension funds, we show that its availability increases individual tax-favored contributions. Men and higher-income earners are more likely to access the digital environment and respond to its introduction. These findings suggest that providing access to a pension app reduces information and transaction costs and facilitates the take-up of financial incentives for retirement saving.
Subjects: 
Defined contribution plans
Fiscal incentives
Pension app
Savings
JEL: 
D14
G51
H31
H55
Persistent Identifier of the first edition: 
Document Type: 
Working Paper

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