Publications

Publications

Filter Results: (101) Arrow Down

Show Results For

← Page 3 of 101 Results →
Sort by

Are you looking for?

→Search All HBS Web
  • 17 Oct 2014
  • Research & Ideas

New Treasury Rules Help Long-Retirement Planning

recommended that workers use all their retirement savings to buy life annuities in order to avoid outliving their savings. Nevertheless, few workers want to put their whole View Details
Keywords: by Robert Pozen; Financial Services
  • 2009
  • Working Paper

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

By: Julio J. Rotemberg
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 payment before people receive any benefits... View Details
Keywords: Age; Annuities; Investment Return; Investment Funds; Saving; Retirement
Related
  • 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
  • 2012
  • Chapter

The Availability and Utilization of 401(k) Loans

By: John Beshears, James J. Choi, David Laibson and Brigitte C. Madrian
We document the loan provisions in 401(k) savings plans and how participants use 401(k) loans. Although only about 22% of savings plan participants who are allowed to borrow from their 401(k) have such a loan at any given point in time, almost half had used a 401(k)... View Details
Keywords: Decision Choices and Conditions; Personal Finance; Retirement; Financing and Loans; Microeconomics
Related
  • 31 Jan 2012
  • First Look

First Look: Jan. 31

investment professionals. Asset Allocation by Institutional Investors after the Recent Financial Crisis Authors:Robert C. Pozen, Betsy Palmer, and Natalie Shapiro Publication:In Growing Old: Paying for Retirement and Institutional Money... View Details
Keywords: Sean Silverthorne & Carmen Nobel
  • 2020
  • Working Paper

Cutting the Gordian Knot of Employee Health Care Benefits and Costs: A Corporate Model Built on Employee Choice

By: Regina E. Herzlinger and Barak D. Richman
The U.S. employer-based health insurance tax exclusion created a system of employer-sponsored insurance (ESI) with limited insurance choices and transparency that may lock employed households into health plans that are costlier or different from those they prefer to... View Details
Keywords: After-tax Income; Consumer-driven Health Care; Health Care Costs; Health Insurance; Income Inequality; Tax Policy; Health Care and Treatment; Cost; Insurance; Employees; Income; Taxation; Policy; United States
Related
  • August 2002 (Revised August 2002)
  • Case

Raiser Senior Services--The Stratford (A)

By: H. Kent Bowen and Alison Berkley Wagonfeld
Focuses on modifying operations to increase profitability at an upscale senior care facility in California. Jennifer Raiser, president of Raiser Senior Services, opened the Stratford in 1992 as a high-end, continuing-care retirement community. Ten years later, the... View Details
Keywords: Cost Management; Profit; Saving; Health Care and Treatment; Age; Management Teams; Problems and Challenges; Ethics; Legal Liability; Business Growth and Maturation; Health Industry; Service Industry; California
Related
  • 08 Sep 2015
  • First Look

September 8, 2015

support for both of these, but in different settings. In particular, we find that firms with higher CSR Investments enjoy an average of $1 billion of saved firm value upon an adverse event. In contrast, CSR Contribution firms lose value... View Details
Keywords: Carmen Nobel
  • 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... 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... View Details
Keywords: Martha Lagace
  • 16 Nov 2021
  • HBS Case

How a Company Made Employees So Miserable, They Killed Themselves

have deeply downsized their staffs. “There’s a lot that happened in the situation that should sound alarm bells for others,” Montgomery says. “The cases point to risks that can arise when firms facing severe competitive threats adopt a single-minded focus. Framing... View Details
Keywords: by Michael Blanding
  • 18 Aug 2022
  • Op-Ed

Your Best Employees Are Burning Out: A Framework for Retaining Talent

past four decades, organizations ranging from Fortune 500 companies to federal, state, and local governments have slashed benefits, retirements, job security, and labor protections. These actions have saved companies trillions of dollars... View Details
Keywords: by Hise Gibson and MaShon Wilson
  • 19 Dec 2023
  • Research & Ideas

15 Podcast Episodes That Grabbed Listeners in 2023

Ranjay Gulati talks to Tynan about her learning journey, and how she managed the risks of entrepreneurship while aiming to make a lasting impact. Saving BlackBerry: CEO John Chen Explains How to Make the Hard Calls John Chen was hired to... View Details
Keywords: by Danielle Kost
  • 01 Oct 2001
  • Research & Ideas

How To Make Restructuring Work for Your Company

companies recognize the need to restructure too late, when fewer options remain and saving the company may be more difficult. Scott Paper's new CEO was widely criticized in the news media for the magnitude of the layoffs he ordered.... View Details
Keywords: by Stuart C. Gilson
  • 18 Mar 2013
  • HBS Case

HBS Cases: LEGO

found itself needing to turn around its turnaround. Outside The Family Enter Jørgen Knudstorp. He was just 35 years old when Kjeld promoted him from director of strategic development to CEO in 2004. (Kjeld retired that same year.) Like... View Details
Keywords: by Maggie Starvish; Entertainment & Recreation
  • 25 Jan 2010
  • Research & Ideas

A Macroeconomic View of the Current Economy

GDP, that is, total aggregate output, the market value of all final goods and services produced. In a sense, all that you (as a country) have is the total output that you produce in a year—your GDP. Sometimes people think if everyone owned lots of stocks and bonds, we... View Details
Keywords: by Sean Silverthorne
  • 19 Jul 2017
  • Research & Ideas

Why Government 'Nudges' Motivate Good Citizen Behavior

to do, like save for retirement—which are both for the good of society and for their own good. Here’s an example. On the first day of a new job, the paperwork is coming at you fast and furious, including a packet of information about how... View Details
Keywords: by Michael Blanding
  • 11 Oct 2006
  • What Do You Think?

How Do We Respond to the “Dependency Ratio” Dilemma?

"Short term, the solution is to require companies to fully fund and expense their current retirement contributions/obligations. Ouch!" Gerald Schultz agreed, saying, "I believe that in the end it comes down to 'pay as you... View Details
Keywords: by Jim Heskett
  • 06 Nov 2008
  • Op-Ed

Selling Out The American Dream

going out to shop. The injustice of the current crisis is that citizens who acted responsibly and were saving for their retirement have seen the values of their homes and 401(k) plans collapse. Those who... View Details
Keywords: by John Quelch
  • 06 Oct 2003
  • Research & Ideas

The Problem with Hedge Funds

in the Internet and telecom bubbles. Those who have money left, or who have new savings coming in and are seeking investments have heard that hedge funds have done well. For example, they've heard that Julian Robertson's Tiger Fund has... View Details
Keywords: by D. Quinn Mills

Are you looking for?

→Search All HBS Web