5 ways you've been saving money wrong...2014/01/13 · 5 ways you've been saving money...

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By Mandi WoodruffJanuary 13, 2014 10:28 AMYahoo Finance

5 ways you've been saving money wrong

Like a big fat bowl of broccoli, discussing the contents of our bank accounts is one of the most unsavorytopics known to mankind.

That’s probably because we’re so god awful at it.

The average American tucked away just 4.7% of their income per paycheck as of 2012, when most ex‐perts suggest more than double that amount.

That's a decline from our recent high of 5.4% in 2008, according to Nerdwallet, the year we ushered in theGreat Recession. But economic turmoil or not, Americans have never been the savviest savers. We’vesaved less and less almost every year since the early 1980s, tumbling like a rock from a nearly 11% sav‐ings rate in 1981 to an embarrassing low of 1.5% in 2005. Meanwhile, consumers in developed nationslike Australia, Germany and Switzerland are tucking away close to 10% or more.

There are so many self-help books on the topic that we’re pretty sure our financial incompetence is single-handedly keeping the lights on at Barnes & Noble.

But not all strategies to save more are fool-proof, let alone rigorously tested. So we decided to come upwith a list of research-proven ways to get out of our own way and really start ramping up your savingsgoals.

1. You're using too many bank accounts.

If you thought spreading your income across multiple bank accounts was helping you save more, youmight actually be doing more harm than good. University of Kansas professor Promothesh Chatterjeefound that people tend to save more and spend less when they have ONE bank account, compared toseveral. When you have multiple accounts — especially if they are held at different financial institutions —it’s easier to lose track of your goals and stay on top of where your money is going.

Chatterjee attributes his findings to two well-known behavioral theories: “motivated reasoning” and “fuzzy-trace theory.” Motivated reasoning suggests that people love spending so much that they’ll oftensearch for excuses to do it. When we have our money spread over various accounts, it becomes harder toperceive our actual balance (enter the fuzzy trace theory), which in turn makes it easier for us to distort allthe balances and convince ourselves we can spend more and save less.

“If you’re really opposed to consolidating, you can at least try to reduce the vagueness of having moneyacross multiple accounts by utilizing software and services that provide a consolidated view of all of youraccounts in one place,” Chatterjee says. “This type of aggregate reporting could help reduce vaguenessand enhance savings.”

2. You're making too many decisions.

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1 of 8 1/14/14 11:58 AM

about what I’m eating or wearing. Because I have too many other decisions to make,” he said.

He has a point. We can’t all be president but each of us has our own mini-country to run, whether it’s ourfamilies, our careers or, in most cases, both. Deciding to save money every week or month is only addingto our list of monotonous to-dos. So don’t make it an option. Automate your savings and you’ll never haveto think about it. In several experiments Florida State University researcher Roy Baumeister found that byturning boring, tedious tasks (hello, saving!) into no-brainer routines you do without thinking, you’ll bemore likely to stick to them.

It’s an obvious concept, but most importantly, it works. The National Bureau of Economic Researchstud‐ied 200,000 employees at seven companies and found the savings rates of people who were auto-en‐rolled in 401(k) plans were double those who had to manually enroll.

3. You're not using your imagination.

There’s a reason athletes scrawl next week’s game plan on giant chalk boards and renters pin photos oftheir dream house on the fridge: visualization can be an incredibly effective source of motivation toachieve our goals. That goes for saving, too. Researchers have found that imagining ourselves in the fu‐ture — sailing around the world in retirement or tanning on the beach on next year’s vacation — can helpus save more today.

That’s why financial institutions are experimenting with tools like Merrill Edge's Face Retirement generator,which can create an image of what a person will physically look like in retirement, in the hopes that wouldmotivate them to save more.

The tool is based on a series of experiments conducted at Stanford University and published in 2011,which found that people who saw age-progressed photos of themselves considered saving more moneyfor retirement.

Alternatively, you could do something as simple as give your savings accounts a specific title (“Trip to Cal‐ifornia” or “Rainy Day Fund”) or stick photos of your dream retirement destination on your desk to makeyour financial goal more real.

4. You're going it alone.

Put those high school memories behind you — a little peer pressure can be an excellent way to savemore. When nearly 2,700 Chilean entrepreneurswere put into self-help peer groups in October 2012 tohelp them save more, researchers found that the added dose of peer pressure was a powerful incentive tosave. The number of deposits the participants made to their savings accounts grew more than three-foldand the average savings balance almost doubled.

You could mimic this experiment on your own by inviting your friends, family or spouse to compete for asavings goal like a family vacation or a new car. It’s a concept that apps like Tykoon use in full force, let‐ting parents track their kids’ saving and spending and reward them along the way.

5. You're over-thinking your investments.

We'd all love to be the next Warren Buffett, but most retail investors would be better off not trying to pickstock winners. A recent paper by Portfolio Solutions and Betterment,"The Case For Index Fund Portfolios,” confirms that low-cost, passively managed index funds are almostalways the best option for individual investors.

Unlike actively-managed funds, index funds don’t rely on investment managers (i.e.: humans) to pick andchoose which stocks to hold. Instead, passive funds like the S&P 500 index fundlet you spread your capi‐tal across a wide range of companies, effectively putting your holdings on auto-pilot. Because they costso much less to operate than actively-managed funds, they eat up less of your returns, which translates tomore money in the bank.

Looking at investment portfolios holding 10 asset classes between 1997 and 2012, Portfolio Solutions andBetterment researchers found index fund portfolios outperformed comparable actively managed portfoliosa staggering 82% to 90% of the time. And the longer investors held those investments, the better shotthey had at outperforming active funds over time.

Still not convinced? Even lowering the cost of actively managed fund portfolios couldn't offer a boost sig‐nificant enough to outperform index funds, the researchers found.

“The outcome of this study statistically favors an all-index fund strategy, all the time," the report says."The probability of outperformance using the simplest index fund portfolio started in the 80th percentile




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