曾在奥巴马政府中任职的凯斯o桑斯坦认为,政府政策应提醒人们避免这种可预知的高成本错误。在桑斯坦看来,美国应该制定法规,迫使银行在利率下降时让贷款再融资变得简单易行。虽然银行和按揭投资者不会非常喜欢这种做法,但有足够的研究证明,如果我们建立的机制能让人们更容易地在财务方面做出正确选择,就会有更多的人进行这样的选择。
This is also good way to approach the problem of the American retirement system, in which average citizens waste billions of dollars every year without making their futures more secure. Private companies have basically abandoned defined-benefit retirement programs, but that doesn’t mean they should abandon the idea that they are partly responsible for making their employees’ retirements as comfortable as possible. That means setting up automatic enrollment, automatic escalation of their contributions, and, most importantly, not giving the option to invest in high-fee funds. It also means that employers need to make sure that their employees have the knowledge to make the right choices.
对美国的退休制度来说,这也是解决问题的好办法。普通美国民众每年在退休方面要浪费数十亿美元资金,却不能让自己未来的生活更有保障。私营公司基本上都已经放弃了养老金固定收益计划,但这并不是说这些公司不再承担责任了,企业还是应该设法让员工的退休生活变得尽可能舒适。这就意味着要建立自动注册和自动提高缴纳金额的机制,而且最重要的是,不要涉及高手续费基金投资。这也意味着企业需要确保员工可以凭借自己掌握的知识做出正确的选择。
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