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Record W7134111940 · doi:10.61190/fsr.v16i2.4883

savings and investment decisions of planners

2007· article· W7134111940 on OpenAlex

Why this work is in the frame

A frame that forgets how it found something cannot be audited. These are the routes that admitted this work.

affAt least one author lists a Canadian institution in the pinned OpenAlex snapshot.

Bibliographic record

VenueFinancial Services Review · 2007
Typearticle
Language
FieldDecision Sciences
TopicDecision-Making and Behavioral Economics
Canadian institutionsMcMaster University
Fundersnot available
KeywordsSalaryPension planPensionPropensity score matchingMarital statusInvestment decisionsInvestment (military)

Abstract

fetched live from OpenAlex

We report the results of a survey of college employees who are eligible for their institution's 403(b) plan. We evaluate each employee's "propensity to plan," which is found to be driven by a single psychological factor. Pension contributions are positively correlated with the propensity to plan. Other demographic attributes such as gender, marital status, age, and salary also matter. Surprisingly, men saved less than women did. We also created a subjective risk-tolerance score for each participant, and conclude that those with a higher propensity to plan are more risk tolerant. Risk taking is positively associated with income, and (surprisingly) negatively associated with age.

Fetched live from OpenAlex and de-inverted. Abstracts are not stored in this database: the inverted indexes are 8.6 GB of the frame’s 9.3 GB of text, and the host has 13 GB free.

Full frame distilled prediction

Teacher imitation

Not calibrated prevalence, not ground truth. Human validation pending. Learned from the 10,348 direct Codex labels and 10,348 direct Gemma labels. Candidate is the union of thresholded teacher heads; consensus is their intersection. These outputs are machine_predicted_unvalidated and are not human labels or direct frontier model labels.

metaresearch head score (Codex)0.008
metaresearch head score (Gemma)0.002
Version: codex-gemma-dda1882f352aValidation status: machine_predicted_unvalidated
Candidate categoriesMeta-epidemiology (narrow)
Consensus categoriesnone
DomainCandidate signal: none · Consensus signal: none
Study designCandidate signal: Other design · Consensus signal: none
GenreCandidate signal: Empirical · Consensus signal: Empirical
Teacher disagreement score0.990
Threshold uncertainty score1.000

Codex and Gemma teacher scores by category

CategoryCodexGemma
Metaresearch0.0080.002
Meta-epidemiology (narrow)0.0010.000
Meta-epidemiology (broad)0.0020.000
Bibliometrics0.0000.002
Science and technology studies0.0000.000
Scholarly communication0.0000.001
Open science0.0020.001
Research integrity0.0000.000
Insufficient payload (model declined to judge)0.0010.001

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.

Opus teacher head0.068
GPT teacher head0.382
Teacher spread0.314 · how far apart the two teachers sit on this one work
Validation statusscore_only:v0-immature-baseline · verbatim from the scoring run: score_only means the number may rank works, and no category label ships from it