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Research Article
Open Access

Asset Building and Child Development: A Policy Model for Inclusive Child Development Accounts

Jin Huang, Michael Sherraden, Margaret M. Clancy, Sondra G. Beverly, Trina R. Shanks, Youngmi Kim
RSF: The Russell Sage Foundation Journal of the Social Sciences August 2021, 7 (3) 176-195; DOI: https://doi.org/10.7758/RSF.2021.7.3.08
Jin Huang
aProfessor in the Saint Louis University School of Social Work, United States
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Michael Sherraden
bGeorge Warren Brown Distinguished University Professor at the Brown School at Washington University, United States
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Margaret M. Clancy
cPolicy director and director of the SEED for Oklahoma Kids experiment at Washington University, United States
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Sondra G. Beverly
dSenior scholar in the Center for Social Development at Washington University, United States
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Trina R. Shanks
eHarold R. Johnson Collegiate Professor of Social Work and Director of Community Engagement at the University of Michigan, United States
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Youngmi Kim
fAssociate professor in the School of Social Work at Virginia Commonwealth University, United States
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    Figure 1.

    Flow Chart of the SEED OK Experiment

    Source: Adapted from Beverly, Clancy, and Sherraden 2016, 2.

    Note: SEED OK = SEED for Oklahoma Kids; OK 529 = Oklahoma 529 College Savings Plan.

    a One mother opted out of the account for her child for religious reasons.

    b Funds are restricted for use on qualified postsecondary educational expenses and are sent directly to educational institutions.

    c Anyone eighteen years or older, regardless of their state residency, can open an OK 529 account.

    d Savings matches are held in SEED OK accounts.

    e Because they did not receive automatically opened accounts, control children do not receive SEED OK account statements, but quarterly OK 529 account statements are sent for all mother-owned accounts.

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RSF: The Russell Sage Foundation Journal of the Social Sciences: 7 (3)
RSF: The Russell Sage Foundation Journal of the Social Sciences
Vol. 7, Issue 3
1 Aug 2021
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Asset Building and Child Development: A Policy Model for Inclusive Child Development Accounts
Jin Huang, Michael Sherraden, Margaret M. Clancy, Sondra G. Beverly, Trina R. Shanks, Youngmi Kim
RSF: The Russell Sage Foundation Journal of the Social Sciences Aug 2021, 7 (3) 176-195; DOI: 10.7758/RSF.2021.7.3.08

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Asset Building and Child Development: A Policy Model for Inclusive Child Development Accounts
Jin Huang, Michael Sherraden, Margaret M. Clancy, Sondra G. Beverly, Trina R. Shanks, Youngmi Kim
RSF: The Russell Sage Foundation Journal of the Social Sciences Aug 2021, 7 (3) 176-195; DOI: 10.7758/RSF.2021.7.3.08
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  • Article
    • Abstract
    • THE CDA POLICY CONCEPT
    • SEED OK
    • KEY DESIGN ELEMENTS OF A UNIVERSAL AND PROGRESSIVE CDA POLICY MODEL
    • POLICY IMPLICATIONS AND FUTURE DEVELOPMENT
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Keywords

  • asset building
  • child development
  • Child Development Accounts
  • CDAs
  • policy
  • Wealth inequality

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