Decision-Making in Defined Contribution Pension Plans: The Case of Israel
Bibliographic record
Abstract
Research suggests that the DC saving method, which is a self-guided saving method, is a contributor to exacerbation in retirees' poverty and income inequality. Economists lobby governments to provide the public with information regarding pension savings to improve the situation, and many studies conclude that employees can improve their decisions substantially by receiving pension advice. This study analyzes Israeli data of four field studies among over 1,500 subjects and the Israeli social survey data of the Israeli Central Bureau of Statistics (ICBS). The findings of the study indicate that providing employees with information regarding pension savings does not encourage them to more pro-actively manage their pension savings nor receive advice from a professional counselor. Surprisingly, the findings suggest that employees are more willing to receive pension savings advice from a counselor on behalf of the state than from a counselor who is not necessarily on behalf of the state.
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How this classification was reachedexpand
Full frame machine prediction
Teacher imitationNot calibrated prevalence, not ground truth. Human validation pending. The Gemma side is a direct model label for every work in the frame, read from the title-only record. The Codex side is a classifier learned from the 10,348 direct Codex labels and calibrated to design-weighted sample rates; fields without enough sample support carry no Codex call. Candidate is the union of the two sides; consensus is their intersection. These outputs are machine_predicted_unvalidated and are not human labels.
Distilled classifier scores by category (both heads)
| Category | Codex | Gemma |
|---|---|---|
| Metaresearch | 0.005 | 0.008 |
| Meta-epidemiology (narrow) | 0.000 | 0.000 |
| Meta-epidemiology (broad) | 0.000 | 0.000 |
| Bibliometrics | 0.001 | 0.001 |
| Science and technology studies | 0.003 | 0.003 |
| Scholarly communication | 0.004 | 0.002 |
| Open science | 0.001 | 0.002 |
| Research integrity | 0.002 | 0.002 |
| Insufficient payload (model declined to judge) | 0.006 | 0.000 |
Machine scores (provisional)
The two teacher heads of the student model, read on this work. A score orders the frame for review; it never asserts a category, and the validation status ships verbatim with every row.
Baseline scores from an immature model (maturity gate not passed, 7 training rounds). Scores rank; they never assert a category.
score_only:v0-immature-baseline · verbatim from the scoring run: score_only means the number may rank works, and no category label ships from itClassification
machine, unvalidatedMachine predicted; a candidate call from one source (direct Gemma or distilled Codex), not a consensus.
How this classification was reached, model by model and score by score, is at the end of the page under "How this classification was reached".