Saving - Publications - Faculty & Research

October 2003 (Revised December 2003)
Case

Managing a 401(k) Fund

By: Richard S. Ruback and Kathleen Luchs

Focuses on an individual's decision to participate in his firm's 401(k) plan and how to invest his contributions. Plan participants have a choice of 10 mutual funds with different investment strategies. Includes data from Morningstar on the composition and performance... View Details

Keywords: Investment Funds; Investment; Saving; Asset Management; Financial Management; Decision Making; Personal Finance; Financial Services Industry

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13 Apr 2015
Research & Ideas

3 Ways Firms Can Profit From Environmental Investments

In the course of her work, Rebecca Henderson meets business executives who don't address the threat of climate change because they don't believe that it exists. Her recommendation: They should consider investments in environmental sustainability anyway, assuming that... View Details

Keywords: by Carmen Nobel; Energy; Utilities

Article

The Effect of Dividends on Consumption

By: Malcolm Baker, Stefan Nagel and Jeffrey Wurgler

Classical models predict that the division of stock returns into dividends and capital appreciation does not affect investor consumption patterns, while mental accounting and other economic frictions predict that investors have a higher propensity to consume from... View Details

Keywords: Investment; Investment Return; Economics; Stocks; Capital; Business Earnings; Investment Portfolio; Investment Funds; Cost; Saving

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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

Keywords: by Laura Linard; Banking; Financial Services

31 May 2016
First Look

May 31, 2016

https://www.hbs.edu/faculty/Pages/item.aspx?num=50189 Saving More in Groups: Field Experimental Evidence from Chile By: Kast, Felipe, Stephan Meier, and Dina Pomeranz Abstract—We test the impact of a peer group View Details

Keywords: Sean Silverthorne

October 2002 (Revised December 2003)
Case

eShip-4U

By: Roy D. Shapiro and Timothy M. Laseter

eShip is a small Israeli start-up with a potentially exciting new concept for the residential package-delivery value chain--the Automatic Delivery Machine (ADM). Much like today's ubiquitous ATMs, ADMs would allow consumers to have parcels delivered to a nearby ADM... View Details

Keywords: Business Startups; Business Model; Service Operations; Logistics; Corporate Strategy; Information Technology; Competitive Strategy; Value Creation; Saving; Innovation and Invention; Transportation Industry; Service Industry; Shipping Industry; Israel; United States

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06 Nov 2006
Research & Ideas

How South Africa Challenges Our Thinking on FDI

Most of that section is to generate class discussion, because the reason that developing countries want FDI is because there is more investment occurring in a country than there is domestic savings, so foreign savings is needed to fill... View Details

Keywords: by Martha Lagace

28 Oct 2008
First Look

First Look: October 28, 2008

Supporting Tax-time Savings with U.S. Savings Bonds Author:Peter Tufano Abstract This paper reports the results of a 2007 experiment testing if specific process simplification can enhance View Details

Keywords: Martha Lagace

14 Jul 2006
Op-Ed

The Case for Consumer-Driven Medicaid

for the private sector's consumer-driven experiences with lower-income populations, the experience of Whole Foods, a supermarket chain, is instructive. As of 2004, its employees, primarily blue collar, have saved $14 million in health... View Details

Keywords: by Regina E. Herzlinger

January 2014
Teaching Note

Evaluating Microsavings Programs: Green Bank of the Philippines (A), (B) and (C)

By: Nava Ashraf and Kristin Johnson

Keywords: Saving; Innovation and Invention; Measurement and Metrics; Product Design; Success; Performance Evaluation; Philippines

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February 2014
Supplement

Evaluating Microsavings Programs: Green Bank of the Philippines (C)

By: Nava Ashraf, Dean Karlan, Wesley Yin and Marc Shotland

Keywords: Saving; Innovation and Invention; Measurement and Metrics; Product Design; Success; Performance Evaluation; Banking Industry; Philippines

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February 2014
Supplement

Evaluating Microsavings Programs: Green Bank of the Philippines (B)

By: Nava Ashraf, Dean Karlan, Wesley Yin and Marc Shotland

Keywords: Microfinance; Saving; Innovation and Invention; Measurement and Metrics; Product Design; Success; Performance Evaluation; Banking Industry; Philippines

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27 Jan 2009
First Look

First Look: January 27, 2009

Working PapersWhen Does Domestic Saving Matter for Economic Growth? Authors:Philippe Aghion, Diego Comin, Peter Howitt, and Isabel Tecu Abstract Can a country grow faster by saving more? We address this... View Details

Keywords: Martha Lagace

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

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April 2011
Teaching Note

Consumer Lending in Japan: Citi CFJ (TN) (A) & (B)

By: J. Gunnar Trumbull

Teaching Note for 709017 and 710018. View Details

Keywords: Profit; Saving; Situation or Environment; Mergers and Acquisitions; Governing Rules, Regulations, and Reforms; Japan

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26 Sep 2024
HBS Case

If a Car Can Drive Itself, Can It Make Life-or-Death Decisions?

minimizing the number of deaths versus refraining from murder; actively killing one person or passively watching five die. A twist examines whether a protagonist would choose to push a person heavy enough to stop the train into the trolley’s path, slowing its speed to... View Details

Keywords: by Tom Quinn; Auto; Technology

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 retirement nest egg into a life annuity. Why? In one word,... View Details

Keywords: by Robert Pozen; Financial Services

07 Nov 2016
Research & Ideas

Corporate Tax Strategies Mirror Personal Returns of Top Execs

tax increase, saving themselves a combined $741 million. Accelerating dividends the tipoff Like individuals, companies could use simple strategies to minimize taxes before the increase took effect, although again not all took advantage.... View Details

Keywords: by Roberta Holland

04 Jul 2005
Research & Ideas

Should You Outsource Your Marketing?

outsource most of their marketing activities. The benefits to business include cost savings and improved quality. Additionally, many firms lack "left-brain" analytical skills in-house, even though those skills are becoming more... View Details

Keywords: by Poping Lin