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Even though the concept of 401(k) credit cards withered lower than issue, one to proposal highlighted brand new dual-purpose character regarding You

Even though the concept of 401(k) credit cards withered lower than issue, one to proposal highlighted brand new dual-purpose character regarding You

IX. Results

Over two decades in the past, Nobel Honor champ Franco Modigliani patented a strategy for giving 401(k) handmade cards with the aim of making it more convenient for professionals so you’re able to withdraw from their later years profile to cover quick-term consumption demands (Vise, 2004). S. defined share arrangements. DC old-age accounts symbolizing an increasing small fraction of us domestic money are increasingly being used by professionals to help you both funds old-many years old age safety, and help security latest usage means.