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A laboratory experiment and an online experimental survey (with a large representative sample) suggest that the composition of multiple accounts affects the annuitization rates via the decisions regarding small versus large accounts. <\/jats:p><jats:p> This paper was accepted by Camelia Kuhnen, finance. <\/jats:p><jats:p> Funding: This work was supported by the Albertson-Waltuch Chair in Business Administration, the Kruger Center at the Hebrew University, the Think Forward Initiative, and the German-Israeli Foundation for Scientific Research and Development and by funding from the Center for Agriculture, Environment and Natural Resource. <\/jats:p><jats:p> Supplemental Material: The data files are available at https:\/\/doi.org\/10.1287\/mnsc.2022.02489 . <\/jats:p>","DOI":"10.1287\/mnsc.2022.02489","type":"journal-article","created":{"date-parts":[[2024,9,13]],"date-time":"2024-09-13T14:12:44Z","timestamp":1726236764000},"page":"4474-4494","source":"Crossref","is-referenced-by-count":4,"title":["Is One Plus One Always Two? 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