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- All HBS Web (135)
- Faculty Publications (19)
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- 04 Jun 2009
- Working Paper Summaries
Can a Continuously-Liquidating Tontine (or Mutual Inheritance Fund) Succeed where Immediate Annuities Have Floundered?
- 18 Oct 2006
- Research & Ideas
New at the Helm: A Talk with HBS Dean Light
during the coming year. Q: Is faculty development one of the challenges you see for the School? A: Faculty development is crucial, but the challenge includes attracting and retaining faculty as well. On the incoming side, the tightening... View Details
- 21 Aug 2023
- Book
You’re More Than Your Job: 3 Tips for a Healthier Work-Life Balance
The days of sticking with one job through retirement are long gone. Younger workers are prioritizing happiness over workplace loyalty, often out of necessity. Harvard Business School senior lecturer Christina Wallace offers a roadmap for... View Details
Keywords: by Kara Baskin
- 01 Oct 2001
- Research & Ideas
How To Make Restructuring Work for Your Company
managers face here are many and varied. In a bankruptcy restructuring, for example, one obvious objective is to reduce the firm's overall debt load. However, cancellation of debt creates equivalent taxable income for the firm. Flagstar... View Details
Keywords: by Stuart C. Gilson
- 06 Nov 2008
- Op-Ed
Selling Out The American Dream
anything but a good example for the average citizen. Left-wing politicians are equally guilty of framing the American Dream in material terms. They claim the Dream is increasingly out of reach of middle class Americans, pointing to a $2,000 decline in median family... View Details
Keywords: by John Quelch
- 25 Jan 2010
- Research & Ideas
A Macroeconomic View of the Current Economy
influencing the cost and availability of money, goods, and services. Macroeconomic forces can conspire to make business more difficult, but they can also present opportunities to executives who know how to, for example, read a country's national View Details
Keywords: by Sean Silverthorne
- 23 Jun 2008
- Research & Ideas
Innovative Ways to Encourage Personal Savings
Putting together the money for everything from a short-term emergency to retirement is hard enough, a challenge that low- and moderate-income families endure every day. Yet as HBS professor Peter Tufano describes, new and old products... View Details
- 31 Jul 2017
- HBS Case
It’s Hard to Fix the Family Business Without Offending the Family
1981. Opened in 1992, Pho Hoa has been run with few formal processes in place and no regular income statement reporting, forecasting, or budgeting. Thanh, wanting to take a well-deserved retirement after 25... View Details
- 24 Oct 2017
- Research & Ideas
Tax Reform is on the Front Burner Again. Here’s Why You Should Care
and deeply the tax system impacts our lives. If you think about poverty, we now try to address it largely through the tax system via the earned income tax credit. You think about low-income housing, we do that through the tax system. If... View Details
Keywords: by Sean Silverthorne
- 23 Dec 2002
- Research & Ideas
Setting the Stage: A Young Scholar at HBS
consider the extent to which the evolution of these financial services have shaped personal opportunities and lifecycle planning—from the attainment of education during youth, to homeownership during middle age, to retirement savings... View Details
- 10 Jan 2005
- What Do You Think?
Public Pension Reform: Does Mexico Have the Answer?
opinion is that the Administration should be candid and recognize that social security is a TAX used to fund a basic retirement benefit—the pension equivalent of food stamps. Higher income retirees should... View Details
- 05 Nov 2013
- First Look
First Look: November 5
the most likely to oppose its increase. Similarly, in the General Social Survey, those above poverty but below median income support redistribution significantly less than their background characteristics would predict. Publisher's link: View Details
Keywords: Sean Silverthorne
- 02 Feb 2010
- First Look
First Look: Feb. 2
adopt third-degree price discrimination based on the income of different consumer classes while foreswearing third-degree price discrimination based on differences in the elasticity of demand. It can also explain why prices seem to be... View Details
Keywords: Martha Lagace
- 28 Apr 2009
- First Look
First Look: April 28, 2009
Abstract A new instrument (the Mutual Inheritance Fund or MIF) is proposed whose purpose is to help people carry their savings forward from the moment they retire into their old age. Like annuities, this instrument requires an up-front... View Details
Keywords: Martha Lagace
- 05 Aug 2002
- Research & Ideas
Five questions for Regina E. Herzlinger
needs; risk-adjustment of payment will make the sick much more attractive enrollees than the present uniform pricing system. All boats rise in a rising sea. Other consumer-driven markets demonstrate that suppliers innovate to reach all View Details
Keywords: by Martha Lagace
- 03 Mar 2008
- First Look
First Look: March 4, 2008
financial advisors to make saving and investment decisions. Low literacy and lack of information affect the ability to save and to secure a comfortable retirement; ignorance about basic financial concepts can be linked to lack of View Details
Keywords: Martha Lagace
- 23 Aug 2004
- Research & Ideas
New Challenges for Long-Term Investors
money instrument matures, and there is no [guarantee] that rates will stay the same over time. That is, short-dated fixed income instruments are subject to "reinvestment risk" (or, "interest rate risk"). Over long... View Details
Keywords: by Ann Cullen
- 28 Jun 2004
- Research & Ideas
Microfinance: A Way Out for the Poor
for someone to get off the ground: enough to buy inventory, rent space, and begin to generate an income in order to feed, clothe, and shelter a family. A legal loan of that amount from a real bank is also the difference between paying... View Details
Keywords: by Martha Lagace
- 21 Apr 2015
- First Look
First Look: April 21
characterize the direct effects that changes in that price index would have on retirees who differ in their initial wealth at retirement and in their mortality rates after retirement. I propose a simple but flexible theoretical framework... View Details
Keywords: Carmen Nobel & Sean Silverthorne
- 20 Feb 2007
- First Look
First Look: February 20, 2007
developing countries than developed countries, but necessity is often the main driver in lower income countries. Explores the challenges facing women arising from societal inequality, including lack of educational provision, and... View Details
Keywords: Martha Lagace