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Are we saving wisely? Default option in behavioural economics

Název česky Spoříme si moudře? Přednastavení v behaviorální ekonomii
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ŘEZÁČ Jan

Druh Článek ve sborníku
Konference Current Trends in Public Sector Research
Fakulta / Pracoviště MU

Ekonomicko-správní fakulta

Citace
Obor Ekonomie
Klíčová slova Default option; Savings; Behavioural Economics
Popis Even after a decade of consideration, no consensus has been found regarding the future of the Czech pension’s policy. This paper illustrates one possible feature for the savings system which was included in other countries, a default option. Default is based on the psychological principles of preserving energy and avoiding possible guilt, and as such, it results in an increased share in the preselected option. In this, the experiment conducted on 168 participants confirmed the previous findings. Additionally, it has been debated as to whether people, in a stock market simulation, will, after a bust, follow the heuristic of representation or loss aversion. Strong support for intuitive loss aversion has been found.
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