...-use rights only Asset allocation Cash flows Present value Retirement nest egg Retirement planning Target return G11 G51 G53 We propose a systematic process for determining an investor’s needs during the wealth-building phase of retirement planning, which also illustrates key...

... for retirement (Hershey and Mowen, 2000). Retirement savings Personal finance Behavioral finance Financial literacy Early withdrawals Overconfidence Blind spot Retirement withdrawal Consumer finance G05 G04 G51 G53 H31 Around the globe, low retirement savings threaten...

... Limited Licensed re-use rights only Access to credit Banking Banking competition Consumer finance Financial access Fintech Peer-to-peer lending D14 G10 G21 G23 G51 The gradual reduction in the number of bank branches in the United States has led to the expansion of bank...

... as Prepayment Loan Credit utilization Personal finance Peer-to-Peer lending D14 G21 G51 As banks reduced the credit card limits by about 40% in the aftermath of the 2008 financial crisis, they wiped out nearly a trillion dollars in available credit (Fulford and Schuh, 2017). Peer-to-peer...