How many people end up saving to a 401(k) plan?

Your 401(k) just got nailed.

First thing to notice is, half of them do not even have access to a 401(k) plan.

I'm wrong I don't want you to lose your 401(k).

They never get around to logging into a complicated website and doing 17 clicks to join the 401(k) plan.

They cannot have money go away from their paycheck into a 401(k) plan before they see it, before they can touch it.

Nine out of 10 either cannot save through their 401(k) plan, decide not to save or don't decide or save too little.

If people have to check a lot of boxes to join a 401(k) plan, they're going to keep procrastinating and not join.

And what we looked at was whether the number of fund offerings available in a retirement savings plan, the 401(k) plan, does that affect people's likelihood to save more for tomorrow.

They take a little bit of the increase in the paycheck home and spend more take a little bit of the increase and put it in a 401(k) plan.

We're going to talk about what happens if people are overwhelmed and scared to make their 401(k) choices.

In too many 401(k) plans, if people do nothing, it means they're not saving for retirement, if they don't check the box.

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let's say every January you're going to be saving more automatically and it's going to go away from your paycheck to the 401(k) plan before you see it, before you touch it, before you get the issue of immediate gratification.

K means estimates for a fixed number of k. Here k 2.

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Swedish K.

So a study that I did with Shlomo Benartzi and Alessandro Previtero, we did a study with people at ING employees that are all working at ING and now these people were all in a session where they're doing enrollment for their 401(k) plan.

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Jesper K. Pedersen

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I designed K.

With a K.

There's a K in his name, there is a K.

But this is b plus k times b minus k.

I'm going to look at values of k k 0.

Excellent plan, Lister. Excellent plan. Brilliant plan.