Often, the default option is unsuitable for most individuals – for instance, it typically allocates all savings to low-return money-market funds. Sunstein and Thaler would have the employer choose a default option that works for most people, such as 60% in equities, 30% in bonds, and 10% in money-market funds.
比如，在决定退休金储蓄应该如何配置时，大部分人都会选择雇主所提供计划的默认选项。通常，默认现象对绝大多数人来说是可持续的——比如，它通常会将所有储蓄都配置给低回报货币市场基金。桑斯坦和泰勒让雇主选择适用大部分人的默认选项，比如60%配置于股票、30%配置于债券、另10%配置于货币基金。