@techreport{NBERw5287,
 title = "The Effects of Special Saving Programs on Saving and Wealth",
 author = "James M. Poterba and Steven F. Venti and David A. Wise",
 institution = "National Bureau of Economic Research",
 type = "Working Paper",
 series = "Working Paper Series",
 number = "5287",
 year = "1995",
 month = "October",
 URL = "http://www.nber.org/papers/w5287",
 abstract = {Individual saving through targeted retirement saving accountsþIRAs and 401(k)sþgrew rapidly in the United States during the 1980s.  The microeconomic evidence presented in this paper suggests that most of the contributions to these programs represent new saving that would not otherwise have occurred.  The micro evidence is compared with macro saving measured by National Income and Product Accounts and Flow of Funds data.},
}