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Save More Tomorrow

People aren't saving enough for retirement – even though they want to save more. What if we asked them to increase their future savings rate when they got their next raise so their current take-home pay stayed the same? Rooted in behavioral finance, this concept has laid the foundation for the Save More TomorrowTM program developed by Professors Shlomo Benartzi and Richard Thaler.

In its first implementation, the Save More TomorrowTM program helped boost the average participant's 401(k) savings rate from 3.5% to 13.6% in just 3.5 years.

Behavioral Finance in Action

For more information about the Save More Tomorrow program, read the introduction – Two Minds at Work – in Behavioral Finance in Action. Click here for our whitepaper.


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For most people, bad surprises loom larger than good ones, but that fact is missing from risk measures like standard deviation. In a new paper, the Center for Behavioral Finance investigates how people perceive risk and what it means for investors.
Curing Investment Paralysis
To ease volatility-averse clients off the sidelines, advisors might consider an "Invest More Tomorrow" strategy.
Bound to Plan
A Ulysses strategy can help clients ride out market volatility by asking them to pre-commit to a rational investment plan.
Appealing to Retirement Investors
"Framing" retirement solutions in terms of income, rather than investment returns, can have a remarkable impact on their attractiveness to investors.
Save More Tomorrow
A proven program using behavioral finance to help people save more for retirement by getting them to pre-commit to it today.