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[Maejewell]

(05.12.2019 20:09)Xzavier napisał(a):  It’s true that the same mechanism that gets so many people enrolled in the first place (it’s the default), keeps them stuck at the low default contribution rate (often 3 percent). That’s not much to be contributing year after year.

To combat the problem, many employers now implement automatic escalation, which means you agree upfront to raise your contribution by 1 or 2 percent every year. One variation of automatic escalation called “Save More Tomorrow” ties the increased contribution to your next pay raise, so you don’t “miss” the money so much. In a 2013 paper in Science, economist Thaler estimates that automatic escalation programs have boosted annual savings by $7.4 billion. Little defaults can add up to a lot of cash.