Article: Habit formation as a resolution to the equity premium puzzle: what is in the data, what is not.

I. Introduction

The consumption based asset pricing model of Lucas |14~ defines a theoretical relationship between streams of consumption and equilibrium asset prices. Since data of both aggregate consumption and asset prices are available, the theory can be tested. Empirical tests of the Lucas model using standard time separable utility functions indicate mismatches between the theory and the data. For example, in the GMM (Generalized Method of Moments) estimation of Hansen and Singleton |9~, overidentifying constraints implied by the model were rejected. Mehra and Prescott |16~ demonstrated the difficulty of explaining a particular statistic: the theoretical ...

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