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I
am Associate Professor of Finance at Maastricht
University and Open University, and affiliated
with Netspar. My research focuses on behavioral
household finance. I am interested in (1)
understanding households' financial decisions
(e.g., saving, asset allocation, trading, and
annuitization decisions) and (2) designing
nudges and interventions to change households'
financial decisions (e.g., pension
communication, product design).
Recent Research Findings
- How should messages
look like that engage pension plan
participants? Do not scare them away them
but instead... research paper
- How
old one feels to be, that is,
subjective age identity shapes our economic
behaviors... research paper
-
(Almost) nobody is interested in dealing
with pension savings. Find out more which
communication nudges can help… research paper
-
U.S. homeowners misunderstand reverse
mortgages and shy away from using them… research paper
Positions Held
- since 2019 Open University, Associate
Professor of Finance
- since 2009
Maastricht
University, Assistant
Professor of Finance; Netspar,
Research Fellow
- June 2013
University of British Columbia, Visitor
- July 2011
University of New South Wales, Visiting
Fellow
- 2006 – 2009
Dr.
Wolfgang Schieren Chair for Insurance and
Risk Management,
Humboldt-Universität zu Berlin, Post-Doc (Habilitand);
C.A.S.E. -
Center for Applied Statistics and Economics;
Collaborative
Research Center 649
- August 2006 – December 2006
University
of Illinois at Urbana-Champaign, Visiting
Assistant Professor of Finance
- 2003 – 2006
Dr.
Wolfgang Schieren Chair for Insurance and
Risk Management,
Humboldt-Universität zu Berlin, PhD student
- 2002 -
2003 KPMG (Insurance Audit)
Education
- Habilitation,
Humboldt-Universität zu Berlin, 2009
- Dr. rer. pol.,
Humboldt-Universität zu Berlin, 2006, Title
of dissertation thesis: Optimale
Altersvorsorgestrategien: Eine
Lebenszyklusanalyse (Optimal Financial
Planning Strategies: A Life-Cycle Analysis),
abstract
- Diplom-Kaufmann,
Humboldt-Universität zu Berlin, 2001
Key Publications
- Engagement behavior and
financial well-being: The effect of
message framing in online pension
communication, International
Journal of Research in Marketing
(forthcoming) (with
Wiebke Eberhardt,
Lisa Brüggen, and Chantal Hoet)
- What Age Do You Feel? -
Subjective Age Identity and Economic
Behaviors, Journal of Economic
Behavior & Organization,
2020, Vol. 173, 322-341 (with
Zihan
Ye)
- Reverse Mortgages: What
Homeowners (Don’t) Know and How it Matters, Journal of Economic
Behavior & Organization, 2017,
Vol. 133, 151-171 (with
T. Davidoff and P.
Gerhard)
- Risk Management in
Retirement – What is the Optimal Home
Equity Release Product?, 2016, Journal of
Risk and Insurance, Vol. 83, 421-446 (with K. Hanewald
and M. Sherris)
- Self-Attribution Bias in
Consumer Financial Decision-Making: How
Investment Returns Affect Individuals’
Belief in Skill, 2014, Journal
of Behavioral and Experimental Economics,
Vol. 52, 23-28 (with Arvid O. I. Hoffmann)
-
The
Impact of Investment Behavior for
Individual Welfare, Economica,
2014, Vol. 81, 15-47 (with
Helmut Gründl, Joan T. Schmit and Anja
Zimmer)
- Longevity
Risk, Subjective Survival Expectations,
and Individual Saving Behavior, Journal of Economic
Behavior & Organization, 2013,
Vol. 86, 200-220 (with Katja
Hanewald)
- Individual
Investor Perceptions and Behavior During
the Financial Crisis, Journal of Banking
& Finance, 2013, Vol. 37, 60-74
(with Arvid O. I.
Hoffmann and Joost M. E. Pennings)
Working
Papers
Media Coverage
- Interviews: L1 Radio,
11/2019; L1 Radio, 9/2019; Geldgids 6/2017, p.
19; Limburg Onderneemt, Sep-2014, p. 5
- What Age Do You Feel? -
Subjective Age Identity and Economic
Behaviors: Canadian
Investment Review, Apr-2020
- Engaging pension plan
participants: challenges and insights
(conference): De Limburger,
Dec-14-2016, p. 16
- Segmentation of pension
plan participants - Identifying dimensions
of heterogeneity: De Limburger,
Mar-9-2016; Pensioen
Pro, Jan-27-2016
- Reverse Mortgages: What
Homeowners (Don’t) Know and How it
Matters:
ReverseMortgageDaily, Sep-27-2015
- Self-Attribution Bias in
Consumer Financial Decision-Making: How
Investment Returns Affect Individuals’
Belief in Skill: Fidelity Personal
Investing, Jun-19-2015; DER STANDARD,
Jul-18-2014; Irish Times,
Jun-10-2014; De Telegraaf, Jun-7-2014, p.
25; de Volkskrant, Jun-3-2014, p. 24; De
Limburger, Jun-3-2014, p. B14; New York Times,
Mar-10-2014; The Star Online,
Jan-16-2014; Thomson Reuters
International Financing Review online,
Jan-15-2014; The Globe and Mail,
Jan-9-2014
- How Return and Risk
Experiences Shape Investor Beliefs and
Preferences: Geldgids, Jun-2012,
p. 7;
Wirtschaftswoche, Apr-22-2012;
Handelsblatt,
Apr-19-2012, p. 18 (online
version of article); DeGids.fm
(Radio 1), Jan-23-2012; De
Pers, Jan-17-2012, p. 9; De
Limburger, Jan-10-2012, p. B14; Maastricht
Aktueel, Jan-9-2012; Carp,
Jan-9-2012
- Individual
Investor Perceptions and Behavior During
the Financial Crisis:
MarketMinds, Feb-11-2010
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