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Match Rates, Individual Development Accounts, and Saving by the Poor

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  • Mark Schreiner

Abstract

Individual Development Accounts (IDAs) provide poor people with matches for savings used for home purchase, post-secondary education, or microenterprise. Match rates for IDAs in the American Dream Demonstration (ADD) were typically 1:1 or 2:1 but ranged as high as 7:1. How did the match rate affect IDA savings? The analysis here controls for a number of confounding factors often ignored in similar studies of 401(k) plans. In ADD, higher match rates were generally associated on the extensive margin with a greater likelihood of saving something in IDAs and—on the intensive margin for those who saved something—a lower level of IDA savings.

Suggested Citation

  • Mark Schreiner, 2005. "Match Rates, Individual Development Accounts, and Saving by the Poor," Journal of Income Distribution, Ad libros publications inc., vol. 13(3-4), pages 7-7, November.
    • Handle: RePEc:jid:journl:y:2005:v:13:i:3-4:p:7-7
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    File URL: http://jid.journals.yorku.ca/index.php/jid/article/view/1311
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    Cited by:

    1. Julia Shu-Huah Wang & Bilal Malaeb & Fred M. Ssewamala & Torsten B. Neilands & Jeannie Brooks-Gunn, 2021. "A Multifaceted Intervention with Savings Incentives to Reduce Multidimensional Child Poverty: Evidence from the Bridges Study (2012–2018) in Rural Uganda," Social Indicators Research: An International and Interdisciplinary Journal for Quality-of-Life Measurement, Springer, vol. 158(3), pages 947-990, December.

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