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In this paper, the authors use a social marketing approach to develop a planning aid to help new employees at a not-for-profit institution contribute to supplementary pensions. They employed different methods, such as surveys, focus groups and in-depth interviews, to "Listen" to employees' needs and difficulties with saving. Moreover, they targeted specific groups that were less likely to save and contribute to supplementary pensions, such as women and low-income employees. The program they developed is not only effective but also inexpensive. While this program was implemented at a single institution, it is suitable to be applied to a variety of employers and demographic groups.
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