AI Summary

Researchers from the University of Cologne, LMU Munich, and Paderborn University found that the wording of retirement‑savings reminders matters. Messages that highlight potential losses are more effective for workers who process large amounts of information. In contrast, reminders that emphasize potential gains resonate better with older adults (50+) and those who have already made many additional contributions. The study shows that a single message can elicit very different responses depending on the recipient’s job type, age, and savings history.

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