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Show Results For
- All HBS Web
(1,555)
- People (8)
- News (470)
- Research (810)
- Events (1)
- Multimedia (5)
- Faculty Publications (441)
- 05 Jul 2006
- Working Paper Summaries
Reinventing Savings Bonds
- Article
Present Bias Causes and Then Dissipates Auto-enrollment Savings Effects
By: John Beshears, James J. Choi, David Laibson and Peter Maxted
Present bias causes procrastination, which leads households to stick with auto-enrollment defaults. However, present bias also engenders overconsumption. Separation from each employer generates a rollover of 401(k) balances to an individual retirement account (IRA)... View Details
Keywords: Present Bias; Procrastination; Personal Finance; Decision Making; Social Psychology; Retirement
Beshears, John, James J. Choi, David Laibson, and Peter Maxted. "Present Bias Causes and Then Dissipates Auto-enrollment Savings Effects." AEA Papers and Proceedings 112 (May 2022): 136–141.
- June 2007 (Revised January 2008)
- Background Note
The U.S. Retirement Savings Market and the Pension Protection Act of 2006
By: Luis M. Viceira and Helen Tung
Provides an overview of the evolution of the private retirement savings market in the U.S. since 1990; the management and administration of defined-contribution (DC) plans; the existing evidence about the investment and savings decisions of participants in DC plans;... View Details
Keywords: Investment; Personal Finance; Saving; Government Legislation; Retirement; Business and Government Relations; Financial Services Industry; United States
Viceira, Luis M., and Helen Tung. "The U.S. Retirement Savings Market and the Pension Protection Act of 2006." Harvard Business School Background Note 207-130, June 2007. (Revised January 2008.)
- 30 Jan 2017
- Research & Ideas
Vanguard, Trian And The Problem With 'Passive' Index Funds
questions about the future of dispersed ownership and the separation between management and ownership,” says Viceira. “The way we answer these questions may literally determine the future of capitalism.” Related Reading: Why Millennials Flock to Fintech for View Details
- 19 Jul 2011
- News
Brightening the Future
notes. “Everything I learned at HBS — from marketing to strategy to finance to BGIE — is relevant in running a social business.” For MBAs who may be considering a mid-career leap to the social enterprise sector, Ayala has words of... View Details
- Article
Financial Shame Spirals: How Shame Intensifies Financial Hardship
By: Joe J. Gladstone, Jon M. Jachimowicz, Adam Eric Greenberg and Adam D. Galinsky
Financial hardship is an established source of shame. This research explores whether shame is also a driver and exacerbator of financial hardship. Six experimental, archival, and correlational studies (N = 9,110)—including data from customer bank account histories and... View Details
Keywords: Financial Hardship; Financial Decision-making; Shame; Guilt; Personal Finance; Financial Condition; Decision Making; Emotions
Gladstone, Joe J., Jon M. Jachimowicz, Adam Eric Greenberg, and Adam D. Galinsky. "Financial Shame Spirals: How Shame Intensifies Financial Hardship." Organizational Behavior and Human Decision Processes 167 (November 2021): 42–56.
- 15 Sep 2011
- Research & Ideas
High Ambition Leadership
What personal attributes were crucial among the leaders you have studied? A: There is no substitute for leaders personally meeting employees. Leif Johansson, CEO of the Volvo Group in Sweden, did a lot of... View Details
Keywords: by Martha Lagace
- 01 Dec 2015
- News
Truth in Lending
Illustration by Jon Krause What percentage of managers do you think steal from their companies? Your answer to that question can tell a financial institution a lot about your creditworthiness, says DJ DiDonna (MBA 2010), cofounder and chief strategy officer of the... View Details
Keywords: April White
- June 2007 (Revised January 2008)
- Case
The Vanguard Group, Inc. in 2006 and Target Retirement Funds
By: Luis M. Viceira
The Vanguard Group is one of the largest asset managers in the U.S., with over $1 trillion in assets, ninety percent of which are mutual fund assets, and more than 12,000 employees at year-end 2006. Vanguard has built a strong reputation as the manager of reference for... View Details
Keywords: Asset Management; Investment Funds; Personal Finance; Brands and Branding; Retirement; Trust; Financial Services Industry; United States
Viceira, Luis M. "The Vanguard Group, Inc. in 2006 and Target Retirement Funds." Harvard Business School Case 207-129, June 2007. (Revised January 2008.)
- 23 Aug 2020
- News
In the UK, She Leads the Search for a COVID Vaccine
told the Daily Mail. In fact, Bingham’s role—working with pharmaceutical firms, planning manufacturing facilities, and making investment decisions—ties in directly with her career experience. “As a venture capitalist, I have to write a View Details
Keywords: COVID-19; vaccines; leadership; biomedicine; venture capital; operations; public health; government innovation; Finance; Finance
- 24 Apr 2014
- News
Teaching kids lessons in making choices and tradeoffs
tradeoffs, and how her current role compares with her career expectations when she graduated from HBS. “I’m the CEO of the Council for Economic Education. We’re a national not-for-profit that teaches little kids about the real world through lessons in View Details
- 19 Nov 2019
- Op-Ed
Gender Bias Complaints against Apple Card Signal a Dark Side to Fintech
President Obama’s Cabinet as Administrator of the US Small Business Administration from 2009 to 2013. [Image: TommL] Related Reading Using Fintech to Disrupt Eastern Bank from Within Why Millennials Flock to Fintech for Personal Investing... View Details
- 04 Jun 2009
- Working Paper Summaries
Can a Continuously-Liquidating Tontine (or Mutual Inheritance Fund) Succeed where Immediate Annuities Have Floundered?
- Web
Extel | Baker Library
Extel International finance research and information, including team rankings, league tables, rankings on deals, asset management, and securities firms. Formerly Institutional Investor.com Read More Full-text articles and historical... View Details
- 01 Jun 2006
- News
Managing Family Assets
generations to come and shares his personal history as an heir to the Carnation fortune. The message of his great-grandfather, E.A. Stuart, the founder of the Carnation Company in 1899, still holds true today, says Lucas: Be useful. How... View Details
- 17 Oct 2014
- Research & Ideas
New Treasury Rules Help Long-Retirement Planning
The United States Treasury recently amended its rules to encourage workers with retirement plans to purchase life annuities within these plans. Life annuities generally make fixed monthly payments from the date of retirement until the death of the purchaser. For years,... View Details
- 22 Feb 2008
- Working Paper Summaries
Consumer Demand for Prize-Linked Savings: A Preliminary Analysis
- February 2014
- Background Note
“When I look back…” Reflections of Bernard Madoff
By: Eugene F. Soltes and Sara Hess
This background note for instructors provides details of Bernard Madoff's career and the classroom recording. View Details
Keywords: Ponzi Scheme; Crime and Corruption; Personal Development and Career; Finance; United States
Soltes, Eugene F., and Sara Hess. "'When I look back…' Reflections of Bernard Madoff." Harvard Business School Background Note 114-050, February 2014.
- 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
Choi, James J., David Laibson, Jordan Cammarota, Richard Lombardo, and John Beshears. "Smaller than We Thought? The Effect of Automatic Savings Policies." Working Paper.
- 2006
- Working Paper
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 stock... View Details
Baker, Malcolm, Stefan Nagel, and Jeffrey Wurgler. "The Effect of Dividends on Consumption." NBER Working Paper Series, No. 12288, June 2006. (First Draft in 2005.)