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As the notion of 401(k) credit cards withered around problem, one suggestion showcased the fresh new twin-mission character off U
IX. Results
S. discussed contribution arrangements. DC old age account symbolizing an expanding fraction folks family money are used by staff so you can one another money old-decades advancing years safety, and to help safeguards newest use need. The program mortgage function is one of the prominent yet understudied pre-old-age exchangeability features of 401(k) preparations.
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More than twenty years in the past, Nobel Prize champion Franco Modigliani patented a strategy getting giving 401(k) credit cards with the objective of fabricating it easier for experts to withdraw off their retirement accounts to cover small-label usage demands (Vise, 2004)
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