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  • Article

Does Front-Loading Taxation Increase Savings?: Evidence from Roth 401(k) Introductions

By: John Beshears, James J. Choi, David Laibson and Brigitte C. Madrian
Can governments increase private savings by taxing savings up front instead of in retirement? Roth 401(k) contributions are not tax-deductible in the contribution year, but withdrawals in retirement are untaxed. The more common before-tax 401(k) contribution is... View Details
Keywords: Saving; Retirement; Taxation
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  • 2024
  • Working Paper

Smaller than We Thought? The Effect of Automatic Savings Policies

By: James J. Choi, David Laibson, Jordan Cammarota, Richard Lombardo and John Beshears
Medium- and long-run dynamics undermine the effect of automatic enrollment and default savings-rate auto-escalation on retirement savings. Our analysis of 401(k) plans incorporates the facts that employees frequently leave firms (often before matching contributions... View Details
Keywords: Personal Finance; Saving; Retirement; Behavioral Finance; Compensation and Benefits
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  • 2025
  • Working Paper

Performance Capital Flows in DC Pensions

By: Bryan Gutierrez Cortez, Victoria Ivashina and Juliana Salomao
Are defined contribution (DC) pension funds' capital flows sensitive to performance? We examine pressures from individual account holders who can switch their pension managers. Using novel data on retirement accounts for nearly 10 million individuals, we analyze... View Details
Keywords: Investment Funds; Retirement; Risk and Uncertainty; Financial Management; Investment Portfolio; Financial Services Industry
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  • 07 Feb 2008
  • Working Paper Summaries

Attracting Flows by Attracting Big Clients: Conflicts of Interest and Mutual Fund Portfolio Choice

Keywords: by Lauren H. Cohen & Breno Schmidt; Financial Services
  • June 2011 (Revised September 2011)
  • Case

Tough Choices for the Illinois Pension System

By: Robert C. Pozen and Brij S. Khurana
This case describes the precarious fiscal situation of the Illinois public pension system in the spring of 2009 and the accounting of pension plans by non-federal municipalities more generally. In February 2009, in the midst of a recession, recently-appointed Governor... View Details
Keywords: Budgets and Budgeting; Financial Crisis; Financial Liquidity; Annuities; Financial Management; Financing and Loans; Taxation; Strategic Planning; Problems and Challenges; Illinois
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  • April 2025
  • Article

Transitioning Into Retirement: The Interplay of Self and Life Structure

By: Marcy Crary, Douglas T. (Tim) Hall, Kathy E. Kram, Teresa M. Amabile and Lotte Bailyn
This paper explores the psychological, social, and behavioral ways in which professionals end their corporate careers and reorient themselves and their lives in the transition from employment to retirement. Framed within life course theory, specifically the adult... View Details
Keywords: Retirement; Behavior; Transition; Identity
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  • 17 Sep 2018
  • Research & Ideas

Welcome to Retirement. Who Am I Now?

retirement in different phases of our careers, they talked to millennials just starting out in the work world, workers inching closer to retirement age, late-career professionals entering retirement, and... View Details
Keywords: by Dina Gerdeman; Entertainment & Recreation
  • 17 Feb 2014
  • Research & Ideas

Companies Detangle from Legacy Pensions

nearly all corporations ceased offering defined benefit plans in favor of "defined contribution" packages such as 401(k) plans—in which employees contribute a set... View Details
Keywords: by Michael Blanding; Aerospace; Financial Services
  • 14 Jan 2009
  • Working Paper Summaries

Smart Money: The Effect of Education, Cognitive Ability, and Financial Literacy on Financial Market Participation

Keywords: by Shawn Cole & Gauri Kartini Shastry; Education; Financial Services
  • 06 Nov 2008
  • Op-Ed

Selling Out The American Dream

zero. Consumer confidence has plummeted with the value of 401(k) plans and retirement nest eggs. Retail sales fell 1.2 percent in September, double the expected decline. Car sales are at a fifteen-year low.... View Details
Keywords: by John Quelch
  • 13 Jan 2015
  • First Look

First Look: January 13

increase private savings by taxing savings up front instead of in retirement? Roth 401(k) contributions are not tax-deductible in the contribution year, but withdrawals in View Details
Keywords: Sean Silverthorne
  • 04 Jun 2009
  • Working Paper Summaries

Can a Continuously-Liquidating Tontine (or Mutual Inheritance Fund) Succeed where Immediate Annuities Have Floundered?

Keywords: by Julio J. Rotemberg; Financial Services
  • 03 Jun 2002
  • Research & Ideas

How to Succeed With Your New Boss

your mandate and negotiate for resources is a clear early priority. Defining Your Goals When you think about working with your new boss, keep the following goals in mind: Clarify mutual expectations early. Begin managing expectations... View Details
Keywords: by Michael Watkins
  • June–July 2019
  • Article

A Methodology for Operationalizing Enterprise IT Architecture and Evaluating Its Modifiability

By: Robert Lagerström, Alan MacCormack, David Dreyfus and Carliss Y. Baldwin
Recent contributions to information systems theory suggest that the primary role of a firm’s information technology (IT) architecture is to facilitate, and therefore ensure the continued alignment of a firm’s IT investments with a constantly changing business... View Details
Keywords: Enterprise Architecture; Modularity; Information Systems; Modifiability; Design Structure Matrix
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  • 15 Jun 2007
  • Research & Ideas

Remembering Alfred Chandler

fields of sociology, economics, and business administration as well. All 3 books have received enormous attention and will continue to do so. But it should also be remembered that Al made contributions to business history throughout his... View Details
Keywords: by Sean Silverthorne
  • 20 Mar 2013
  • Research & Ideas

How CEOs Sustain Higher-Ambition Goals

Michael Beer and his coauthors at the Center for Higher Ambition Leadership, the executives underscored the importance of higher-ambition goals, including engaging with and developing employee and customer commitment, contributing to the... View Details
Keywords: by Dina Gerdeman
  • 20 Apr 2011
  • Research & Ideas

Blind Spots: We’re Not as Ethical as We Think

training in ethics and corporate programs focus on intentional acts. We saw an opportunity to contribute to our understanding of how so many unethical acts occur. Q: Why don't traditional approaches to thinking about ethics work? A: Most... View Details
Keywords: by Sean Silverthorne
  • 2013
  • Working Paper

How Do Risk Managers Become Influential? A Field Study in Two Financial Institutions

By: Matthew Hall, Anette Mikes and Yuval Millo
This paper, based on a five-year longitudinal study at two UK-based banks, documents and analyzes the practices used by risk managers as they aim to gather and establish influence in their organizations. Specifically, we examine how influence-seeking risk managers (1)... View Details
Keywords: Experience and Expertise; Decision Making; Risk Management; Strategic Planning; Power and Influence; Business Strategy; Banking Industry
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  • 12 Aug 2002
  • Op-Ed

Using Big Business to Fight Poverty

combat these scourges is for rich countries to double their foreign aid budgets, and Gordon Brown, the United Kingdom's chancellor of the exchequer, has called for a new Marshall Plan to fight poverty. Both initiatives are misguided,... View Details
Keywords: by George C. Lodge
  • 03 Jan 2016
  • Research & Ideas

NFL Black Monday: How Much Do Coaches Really Matter?

that perform poorly (suffering from the performance gap) and good teams that under-perform (suffering from the opportunity gap). In both cases, teams need quality coaches to improve their on-field performance. Teams planning changes on... View Details
Keywords: by Boris Groysberg & Abhijit Naik; Sports

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