摘要翻译：
本文使用分组固定效应(GFE)估计量对澳大利亚分阶段提取退休收入产品提款的面板数据进行了研究。不同的潜在群体所表现出的行为表明，退休人员可能会采用简单的启发式方法来决定他们如何提取积累的财富。本文对GFE方法进行了两个扩展：一个是潜在群标记匹配方法，它扩展了bootstrap推理以包括时间分布估计；另一个是用非平衡数据估计具有时不变加性固定效应的模型的修正估计方法。
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英文标题：
《Hidden Group Time Profiles: Heterogeneous Drawdown Behaviours in
  Retirement》
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作者：
Igor Balnozan, Denzil G. Fiebig, Anthony Asher, Robert Kohn, Scott A.
  Sisson
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最新提交年份：
2020
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分类信息：

一级分类：Economics        经济学
二级分类：Econometrics        计量经济学
分类描述：Econometric Theory, Micro-Econometrics, Macro-Econometrics, Empirical Content of Economic Relations discovered via New Methods, Methodological Aspects of the Application of Statistical Inference to Economic Data.
计量经济学理论，微观计量经济学，宏观计量经济学，通过新方法发现的经济关系的实证内容，统计推论应用于经济数据的方法论方面。
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英文摘要：
  This article investigates retirement decumulation behaviours using the Grouped Fixed-Effects (GFE) estimator applied to Australian panel data on drawdowns from phased withdrawal retirement income products. Behaviours exhibited by the distinct latent groups identified suggest that retirees may adopt simple heuristics determining how they draw down their accumulated wealth. Two extensions to the original GFE methodology are proposed: a latent group label-matching procedure which broadens bootstrap inference to include the time profile estimates, and a modified estimation procedure for models with time-invariant additive fixed effects estimated using unbalanced data.
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PDF链接：
https://arxiv.org/pdf/2009.01505