Christelle Khalaf

Department of Economics
North Carolina State University

E-Mail: EmailAddress: hidden: you can email any NBER-related person as first underscore last at nber dot org
Institutional Affiliation: North Carolina State University

NBER Working Papers and Publications

August 2017Nudging Retirement Savings: A Field Experiment on Supplemental Plans
with Robert L. Clark, Robert G. Hammond, Melinda Sandler Morrill: w23679
Although supplemental saving plans can be an important part of an individual's financial security in retirement, contribution rates remain low, particularly among those with lower salaries and less education. We report findings from a field experiment that distributed an informational nudge containing information on key aspects of the employer-provided supplemental saving plans of older public employees in North Carolina. Among workers participating in a supplemental plan, individuals who received an informational nudge increased their contributions in the months following the intervention relative to the control group. Moreover, those that received the nudge reported in a subsequent survey that they were more likely to have developed a retirement plan and report more confidence in thei...

Published: Robert L. Clark & Robert G. Hammond & Melinda S. Morrill & Christelle Khalaf, 2019. "Informing Retirement Savings Decisions: A Field Experiment On Supplemental Plans," Economic Inquiry, Western Economic Association International, vol. 57(1), pages 188-205, January. citation courtesy of

June 2017 Planning for Retirement? The Importance of Time Preferences
with Robert L. Clark, Robert G. Hammond, Melinda Sandler Morrill: w23501
Ensuring retirement income security is a priority for individuals, employers, and policymakers. Using merged administrative and survey data for public sector workers in North Carolina, we explore how workers’ characteristics and preferences are associated with planning and saving for retirement. We then assess the “quality” of a retirement plan and whether retirement behavior is consistent with these plans. The findings indicate that the way that individuals discount future consumption is associated with the extent of their retirement planning and preparedness. We find that individuals who engage in retirement planning are better prepared to meet their retirement goals upon leaving their career jobs.

Published: Robert L. Clark & Robert G. Hammond & Christelle Khalaf, 2019. "Planning for Retirement? The Importance of Time Preferences," Journal of Labor Research, vol 40(2), pages 127-150. citation courtesy of

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