[
1. Asebedo, S. D., Wilmarth, M. J., Seay, M. C., Archuleta, K., Brase, G. L., Macdonald, M. (2019). Personality and Saving Behavior Among Older Adults // The Journal of Consumer Affairs. Vol. 53. No. 2, pp. 488–519. doi: http://dx.doi.org/10.1111/joca.1219910.1111/joca.12199
]Search in Google Scholar
[
2. Barr, N. (2002). Reforming Pensions: Myths, Truths, and Policy Choices // International Social Security Review. Vol. 55, No. 2, pp. 3–36. doi: 10.1111/1468-246X.0012210.1111/1468-246X.00122
]Search in Google Scholar
[
3. Barr, N. (2004). The Economics of the Welfare State. – Fourth edition: Oxford University Press.
]Search in Google Scholar
[
4. Barr, N., Diamond, P. (2006). The Economics of Pensions // Oxford Review of Economics Policy. Vol. 22, No. 1, pp. 15–39. doi: http://dx.doi.org/10.1093/oxrep/grj00210.1093/oxrep/grj002
]Search in Google Scholar
[
5. Barr, N. (2010). Adequate and Sustainable Pensions: What Reform Directions? – Paper presented at the Consultation Conference on the Green Paper on Pensions. Brussels, 29 October 2010. Internet access: http://econ.lse.ac.uk/staff/nb
]Search in Google Scholar
[
6. Benartzi, S., Thaler, R. H. (2007). Heuristics and Biases in Retirement Savings Behaviour // Journal of Economic Perspectives. Vol. 21, No. 3, Summer 2007, pp. 81–104. doi: 10.1257/ jep.21.3.81
]Search in Google Scholar
[
7. Belke, A., Dreger Ch., Ochmann, R. (2015). Do Wealthier Households Save More? The Impact of the Demographic Factor // International Economic Policy. Vol. 12, pp. 163–173. doi: 10.1007/s10368-014-0275-x10.1007/s10368-014-0275-x
]Search in Google Scholar
[
8. Bielskis, K., Ciginas, A. (2020). Household Wealth and Finance. Results for Households in Lithuania for 2017. Internet access: https://www.lb.lt/uploads/publications/docs/25627_2f5cb5ff411be4fe345514ea4982dbe4.pdf
]Search in Google Scholar
[
9. Blau, D. M. (2016). Pensions, Household Saving, and Welfare: A Dynamic Analysis of Crowd Out // Quantitative Economics. Vol. 7, pp. 193–224. doi: 1759-7331/20160193
]Search in Google Scholar
[
10. Börsch-Supan, A. (1995). The Impact of Population Aging on Savings, Investment and Growth in the OECD Area. Paper presented at Germany OECD Conference on “Future Global Capital Shortages: Fact or Fiction”, Paris, April 1995. Internet access: https://ubmadoc.bib.uni-mannheim.de/1062
]Search in Google Scholar
[
11. Börsch-Supan, A., Reil-Held, A., Schunk, D. (2007). The Savings Behaviour of German Households: First Experiences with State Promoted Private Pensions. – Working paper, Mannheim Research Institute for the Economics of Aging (MEA), Mannheim University. Internet access: https://ub-madoc.bib.uni-mannheim.de/1549
]Search in Google Scholar
[
12. Campbell, D., Weinberg, J. A. (2015). Are We Saving Enough? Households and Retirement // Economic Quarter. Vol. 101, No 2, Second Quarter, pp. 99–123. SSRN Internet access: https://ssrn.com/abstract=2756947. doi: http://dx.doi.org/10.21144/eq101020210.21144/eq1010202
]Search in Google Scholar
[
13. Čekanavičius V., Murauskas G. (2014). Taikomoji regresinė analizė socialiniuose tyrimuose. Vilniaus Universiteto leidykla.
]Search in Google Scholar
[
14. Chard R. E., Rogofsky, D., Yoong, J. (2017). Wealthy or Wise: How Knowledge Influences Retirement Savings Behavior? // Journal of Behavioral and Social Sciences. Vol. 4, pp. 164–180.
]Search in Google Scholar
[
15. Chatterjee, S., Fan, L., Jacobs, B., Haas, R. (2017). Risk Tolerance and Goals-based Savings Behaviour of Households: The Role of Financial Literacy // Journal of Personal Finance, Forthcoming: University of Georgia. SSRN Internet access: https://ssrn.com/abstract=2918014
]Search in Google Scholar
[
16. Chetty, R., Friedman, N. J., Leth-Petersen, S., Nielsen, T. (2012). Active vs Passive Decisions and Crowd-Out in Retirement Savings Accounts: Evidence in Denmark. Quarterly Journal of Finance. Vol. 129, No 3, pp. 1141–219. Internet access: https://papers.ssrn.com/sol3/papers.cfm?abstract_id=2652658
]Search in Google Scholar
[
17. Clark, R. L., Hammond, R. G., Morrill, M. S., Khalaf, H. (2019). Informing Retirement Savings Decisions: A Field Experiment on Supplemental Plans // Economic Inquiry. Vol. 57, No. 1, pp. 188–205. doi: 10.1111/ecin.1273
]Search in Google Scholar
[
18. Croy, G., Gerrans, P., Craig P. Speelman, C. P. (2015). A Mediating Role for Anticipated Regret in Predicting Retirement Savings Intention Between Groups with (without) Past Behaviour // Australian Journal of Psychology. Vol. 67, pp. 87–96. doi: 10.1111/ajpy.1207010.1111/ajpy.12070
]Search in Google Scholar
[
19. Deaton, A. (2005). Franco Modigliani and the Life Cycle Theory of Consumption. Research Program in Development Studies and Centre for Health and Wellbeing: Princeton University. Presented at the Convegno Internazionale Franco Modgliani, Accademia Nazionale dei Lincei, Rome, February 17th–18th. SSRN Internet access: https://ssrn.com/abstract=686475. doi: http://dx.doi.org/10.2139/ssrn.68647510.2139/ssrn.686475
]Search in Google Scholar
[
20. Engelhardt, G. V., Kumar, A. (2011). Pensions and Household Wealth Accumulation // Journal of Human Resources. Vol. 46, No. 1, pp. 203–236. doi: 10.3368/jhr.46.1.20310.3368/jhr.46.1.203
]Search in Google Scholar
[
21. Fisher, P. J., Anong, S. T. (2012). Relationship of Saving Motives to Saving Habits // Journal of Financial Counseling and Planning. Vol. 23, No. 1. Internet access: https://papers.ssrn.com/sol3/papers.cfm?abstract_id=2222006
]Search in Google Scholar
[
22. Halilbegovic, S., Mehanovic, E. (2018). Effect of Person’s Age on Supplemental Investment Habits Towards Retirement in Federation of Bosnia and Herzegovina // European Journal of Economic Studies. Vol. 7. No. 1, pp. 16–21. doi: http://dx.doi.org/10.13187/es.2018.7.1610.13187/es.2018.7.16
]Search in Google Scholar
[
23. Holden, S., Schrass, D. (2022). The Role of IRAs in US Households’ Saving for Retirement, 2021 // ICI Research Perspective. Vol. 28, No. 1. Available at SSRN: https://papers.ssrn.com/sol3/papers.cfm?abstract_id=4009173
]Search in Google Scholar
[
24. Household Wealth. 2021 (2021). Central Bank of Lithuania. Internet access: https://www.lb.lt/en/households
]Search in Google Scholar
[
25. Household finance and consumption Network (HFCS). Internet access: https://www.ecb.europa.eu/pub/economic-research/research-networks/html/researcher_hfcn.en.html
]Search in Google Scholar
[
26. Ipek, E., Sekmen, Ö. (2016). Household Savings in Turkey: Evidence from Microdata // Balkan and Near Eastern Journal of Social Sciences. Vol. 2, No. 4, pp. 102–108. Internet access: https://www.ibaness.org/bnejss/2016_02_04/011_ipek_sekmen_new.pdf
]Search in Google Scholar
[
27. Jones, A., Geilenkeuser, T., Helbrecht, I., Quilgars, D. (2011). Demographic Change and Retirement Planning: Comparing Households’ Views on the Role of Housing Equity in Germany and the UK // International Journal of Housing Policy. doi: https://doi.org/10.1080/14616718.2012.65129910.1080/14616718.2012.651299
]Search in Google Scholar
[
28. Jurgen, H. (2001). Do Germans Save to Leave an Estate? An Examination of the Bequest Motive // Scandinavian Journal of Economics. Vol. 103, No. 3, pp. 391–414. doi: https://doi.org/10.1111/1467-9442.0025210.1111/1467-9442.00252
]Search in Google Scholar
[
29. Kahneman, D., Tversky, A. (1974). Judgment under Uncertainty: Heuristics and Biases // Science. Vol. 185, No. 4157, pp. 1124–1131. doi: 10.1126/science.185.4157.112410.1126/science.185.4157.1124
]Search in Google Scholar
[
30. Kahneman, D. (2011). Thinking Fast and Slow. Penguin Books, London.
]Search in Google Scholar
[
31. Lazutka, R. (2006). Country Report. Pension Reform in Lithuania. Pension Reform in the Baltic States. Part I, Budapest, International Labour Office, pp. 267–350. Internet access: https://citeseerx.ist.psu.edu/viewdoc/download?doi=10.1.1.468.7095&rep=rep1&type=pdf#page=269
]Search in Google Scholar
[
32. Lithuanian population. Lithuanian Department of Statistics (2020). Internet access: https://osp.stat.gov.lt/lietuvos-gyventojai-2020/salies-gyventojai/gyventoju-skaicius-ir-sudetis
]Search in Google Scholar
[
33. Lusardi, A. (2001). Explaining Why So Many Households Do Not Save. – Working Paper, No. 2001-05, Center for Retirement Research at Boston College, Massachusetts. SSRN. Internet access: https://ssrn.com/abstract=285978. doi: http://dx.doi.org/10.2139/ssrn.28597810.2139/ssrn.285978
]Search in Google Scholar
[
34. Lusardi, A. M. (2008). Household Saving Behavior: The Role of Financial Literacy, Information, and Financial Education Programs. – Working Paper. No. 13824. National Bureau of Economic Research: 1050 Massachusetts Avenue Cambridge. Internet access: https://www.nber.org/system/files/working_papers/w13824/w13824.pdf10.3386/w13824
]Search in Google Scholar
[
35. Modigliani, F. (1986). Life Cycle, Individual Thrift, and the Wealth of Nations // Science. Vol. 234, No. 4777, pp. 704–712.
]Search in Google Scholar
[
36. Replacement rates. OECD database. (2021). Internet access: https://data.oecd.org/pension/net-pension-replacement-rates.htm
]Search in Google Scholar
[
37. Pensions at a Glance 2021 (2021). Internet access: https://www.oecd.org/publications/oecd-pensions-at-a-glance-19991363.htm
]Search in Google Scholar
[
38. Pieńkowska-Kamieniecka, S., Walczak, D. (2016). Willingness of Polish Households to Save for Retirement. – Conference papers, presented at the 13th International Scientific Conference European Financial System 2016, June 27–29, pp. 588–595. Brno, Czech Republic. Internet access: https://www.ceeol.com/search/chapter-detail?id=839857
]Search in Google Scholar
[
39. Rey-Ares, L., Fernandez-Lopez, S., Vivel-Bua, M. (2018). The Influence of Social Models on Retirement Savings: Evidence for European Countries // Social Indicators Research. Vol. 136, pp. 247–268. doi: https://doi.org/10.1007/s11205-016-1533-910.1007/s11205-016-1533-9
]Search in Google Scholar
[
40. Shefrin, H. M., Thaler, R. H. (1988). The Behavioral Life-Cycle Hypothesis // Economic Inquiry. Vol. 26, No. 4, pp. 609–643. doi: https://doi.org/10.1111/j.1465-7295.1988.tb01520.x10.1111/j.1465-7295.1988.tb01520.x
]Search in Google Scholar
[
41. Skinner, J. (2007). Are You Sure You’re Saving Enough for Retirement? // Journal of Economic Perspectives. Vol. 21, No. 3, pp. 59–80. doi: 10.1257/jep.21.3.5910.1257/jep.21.3.59
]Search in Google Scholar
[
42. Stankūnienė, V. (2017). Lietuvos gyventojų senėjimo ilgalaikė trajektorija: fundamentalieji ir specifiniai veiksniai. Lietuvos statistikos darbai. Vol. 56, No. 1, pp. 5–17. Internet access: https://etalpykla.lituanistikadb.lt/object/LT-LDB-0001:J.04~2017~1571064337548/
]Search in Google Scholar
[
43. State Social Insurance (SODRA) (2019). Internet access: https://www.sodra.lt/lt/naujienos/baigiasi-menuokiek-gyventojumokes-imokas-i-pensiju-kaupimo-fondusnuo-sausio
]Search in Google Scholar
[
44. Strömbäck, C., Lind, Th., Skagerlund, K., Västfjäll, D., Tinghög, G. (2017). Does Self-Control Predict Financial Behavior and Financial Well-Being? // Journal of Behavioral and Experimental Finance. Vol.14, pp. 30–38. doi: https://doi.org/10.1016/j.jbef.2017.04.00210.1016/j.jbef.2017.04.002
]Search in Google Scholar
[
45. Thaler, R. H., Benartzi, S. (2004). Save More Tomorrow: Using Behavioural Economics to Increase Employee Savings. University of California, University of Los Angeles, The University of Chicago Press Journals. doi: https://doi.org/10.1086/38008510.1086/380085
]Search in Google Scholar
[
46. Thaler, R. H., Sunstein, C. R. (2009). Nudge: Improving Decisions about Health, Wealth and Happiness. – London: Penguin Books.
]Search in Google Scholar
[
47. Thaler, R. H. (2016). Misbehaving. – London: Penguin Books.
]Search in Google Scholar
[
48. Topoleski, J. J. (2013). U. S. Household Savings for Retirement in 2010. Internet access: https://digital.library.unt.edu/ark:/67531/metadc463264/
]Search in Google Scholar
[
49. Torricelli, C., Urzı`, M. C., Santantonio, M. (2016). Does Homeownership Partly Explain Low Participation in Supplementary Pension Schemes? // Economic Notes. Vol. 45, No. 2, pp. 179–203. doi: 10.1111/ecno.12054. Internet access: https://onlinelibrary.wiley.com/doi/epdf/10.1111/ecno.12054
]Search in Google Scholar
[
50. Wong, R. S., Osman, M., Wong, W. H. (2019). Saving for a Better Retirement: How Risk Attitudes Affect Choice of Retirement Scheme // Psychological Reports. Vol. 122, No. 1, pp. 305–322. doi: https://doi.org/10.1177/003329411875509310.1177/0033294118755093
]Search in Google Scholar