@article{publication-15352, author={Ongena, Steven and Zalewska, Anna (Ania)}, doi={10.1016/j.jbankfin.2017.10.012}, issn={0378-4266}, journal={Journal of Banking and Finance}, pages={257-268}, publisher={Elsevier}, title={Institutional and individual investors: Saving for old age}, volume=92, year=2018, }