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  • 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
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  • 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
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  • 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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  • 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

    Robert C. Merton

    Robert C. Merton is the School of Management Distinguished Professor of Finance at the MIT Sloan School of Management.

    Merton is University Professor Emeritus at Harvard University and was the George Fisher Baker Professor of... View Details

    Keywords: banking; brokerage; financial services; insurance industry; investment banking industry; retail financial services
    • 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
    • Web

    Employment | Harvard Business School

    vacation, holiday, sick time, and family leave policies. Medical & Dental Quality and affordability are the hallmarks of Harvard's medical and dental plans. Work/Life Balance Harvard offers an array of resources for working parents. View Details
    • 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
    • Web

    Finance - Faculty & Research

    timing, saving 40 bps annually, an order of magnitude greater than index fund fees. Keywords: Investment Funds ; Financial Markets ; Market Timing ; Investment Return Citation Related Sammon, Marco, and John J. Shim. "Index Rebalancing... View Details
    • 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
    • Web

    Finance - Faculty & Research

    Sustaining Long-Term Growth Re: Jo Tango & Christina M. Wallace More Articles Harvard Business Publishing May 14, 2024 Article One Way to Help Employees Build Emergency Savings By: Timothy Flacke and Peter Tufano May 2025 Case RTX's... View Details
    • Web

    General Management - Faculty & Research

    More Publications In the News 22 May 2025 Broadcast Retirement Network Your Employees Are Also Caregivers Re: Joseph Fuller 20 May 2025 Trey Gowdy Arthur Brooks: Happiness, Legacy, and Living Properly Re: Arthur Brooks 16 May 2025... View Details
    • 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
    • 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
    • Web

    Topics - HBS Working Knowledge

    Recruitment (31) Refugees (4) Relationships (152) Religion (5) Renewable Energy (7) Reputation (14) Research and Development (59) Research (107) Resignation and Termination (10) Resource Allocation (11) Restructuring (3) Retention (21) View Details
    • 01 Mar 2024
    • News

    Game On

    time the Army had 6,000 tanks that were ready to retire. Retirement is an expensive proposition as weapons must go through an extensive demilitarizing process, and even the scrap metal wouldn’t yield enough value to offset the high cost... View Details
    Keywords: Jen McFarland Flint; photographed by Edward Linsmier; Amusement, Gambling, and Recreation Industries; Arts, Entertainment
    • 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
    • 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
    • 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