Please use this identifier to cite or link to this item: https://hdl.handle.net/10419/334643 
Year of Publication: 
2025
Series/Report no.: 
CESifo Working Paper No. 12287
Publisher: 
Munich Society for the Promotion of Economic Research - CESifo GmbH, Munich
Abstract: 
We study the behavioral effects of a large-scale, repeated, and personalized reminder. Our empirical setting is Sweden's annual pension statement, which is rolled out region by region to all working-age individuals. Combining this variation with unique individual-level user data from the national pension dashboard, we find strong and immediate effects. Dashboard users' likelihood of making a pension forecast rises by 28 percentage points in the statement week-a fourfold increase-before returning to baseline within three weeks. Remarkably, similar spikes occur each year, indicating that repeated reminders consistently reactivate attention rather than losing their impact over time. Complementary regional data on actual pension claims show a 33% surge in weekly claims during the week the statement is sent out.
Subjects: 
repeated nudge
retirement planning
pension dashboard
pension information
digital engagement
JEL: 
D83
H55
J32
Document Type: 
Working Paper
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