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Asset Building Financial Inclusion Report

Saving Performance in the American Dream Demonstration: A National Demonstration of Individual Development Accounts

By CSD • July 1, 2002September 9, 2021

Individual Development Accounts (IDA) are matched savings for low-income individuals, to be used for home ownership, education, or small business capitalization. IDA programs also include financial education and staff support to encourage saving. (1) A large study of IDAs known as the “American Dream Demonstration” has been in progress at 13 sites in the United States since 1997. (2) A large, multimethod research agenda accompanies this demonstration. (3) Below is a summary of research results to date from this demonstration.

Project: American Dream Policy Demonstration (ADD)

Citation

Schreiner, M., Clancy, M., & Sherraden, M. (2002). Saving performance in the American Dream Demonstration: A national demonstration of Individual Development Accounts (CSD Report No. 02-15).  St. Louis, MO: Washington University, Center for Social Development.

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2002American Dream Policy Demonstration (ADD)Individual Development Account (IDA)Margaret ClancyMark SchreinerMichael Sherraden

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