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  • April 2011
  • Article

Behavioral Economics Perspectives on Public Sector Pension Plans

By: John Beshears, James J. Choi, David Laibson and Brigitte C. Madrian
We describe the pension plan features of the states and the largest cities and counties in the U.S. Unlike in the private sector, defined benefit (DB) pensions are still the norm in the public sector. However, a few jurisdictions have shifted towards defined... View Details
Keywords: Equality and Inequality; Public Sector; Retirement; Private Sector; Compensation and Benefits; United States
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Beshears, John, James J. Choi, David Laibson, and Brigitte C. Madrian. "Behavioral Economics Perspectives on Public Sector Pension Plans." Journal of Pension Economics & Finance 10, no. 2 (April 2011): 315–336.
  • July 2022 (Revised November 2022)
  • Case

Building a Mishap-Free U.S. Navy

By: Amy C. Edmondson, Herman B. Leonard, Michael W. Toffel and Michael Norris
In 2021, Kevin “Bud” Couch, a retired Navy captain who was now working as a civilian employee of the Navy Safety Center, was trying to determine how best to reduce the risk of Navy mishaps. The Navy had experienced a series of major mishaps in 2017 that had led to a... View Details
Keywords: National Security; Safety; War; Ship Transportation; Risk Management; Operations; Singapore; Tokyo; San Diego
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Edmondson, Amy C., Herman B. Leonard, Michael W. Toffel, and Michael Norris. "Building a Mishap-Free U.S. Navy." Harvard Business School Case 622-116, July 2022. (Revised November 2022.)
  • July 2003 (Revised January 2004)
  • Case

Carol Brewer's Investments

By: Richard S. Ruback and Julia Stevens
Following her husband's death in 1994, Carol Brewer took over the management of her family's investments. This case describes the decisions Brewer made during this process, including her choice to seek active account management, her selection of an investment firm, and... View Details
Keywords: Investment Funds; Investment Portfolio; Retirement; Decision Choices and Conditions; Financial Management; Personal Finance; Investment Banking; Investment Return
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Ruback, Richard S., and Julia Stevens. "Carol Brewer's Investments." Harvard Business School Case 204-017, July 2003. (Revised January 2004.)
  • 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
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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.
  • February 1991 (Revised November 1993)
  • Exercise

Valuation and Discounted Cash Flows

A set of five exercises in valuation of simple fixed income securities. No capital budgeting. Students use present value analysis to compute discounted cash flows. Situations/concepts covered include: future value; mortgage payment and repayment; calculating implicit... View Details
Keywords: Finance
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"Valuation and Discounted Cash Flows." Harvard Business School Exercise 291-028, February 1991. (Revised November 1993.)
  • 05 Feb 2015
  • Working Paper Summaries

Does Front-Loading Taxation Increase Savings? Evidence from Roth 401(k) Introductions

Keywords: by John Beshears, James J. Choi, David Laibson & Brigitte C. Madrian
  • February 2019 (Revised September 2021)
  • Case

The a2 Milk Company

By: Benjamin C. Esty and Daniel Fisher
The a2 Milk Company (a2MC) became the most valuable company listed on the New Zealand stock exchange in 2018 by capitalizing on a biochemical discovery related to the protein composition of cow's milk. Because many people find the A1 protein difficult to digest, and... View Details
Keywords: Judo Economics; Market Entry; Innovation; Barriers To Response; Industry Attractiveness; Advantage Horizon; Sustainability; First-mover Advantage; Scope; Strategy Execution; Strategic Evolution; Biochemistry; Genetics; Branding; Commodity; Milk; Dairy; Infant Formula; Farming; Porter's Five Forces; Competitive Advantage; Corporate Strategy; Value Creation; Competition; Disruption; Innovation and Invention; Five Forces Framework; Market Entry and Exit
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Esty, Benjamin C., and Daniel Fisher. "The a2 Milk Company." Harvard Business School Case 719-424, February 2019. (Revised September 2021.)
  • 2022
  • Article

How to Choose a Default

By: John Beshears, Richard T. Mason and Shlomo Benartzi
We have developed a model for setting a default when a population is choosing among ordered choices—that is, ones listed in ascending or descending order. A company, for instance, might want to set a default contribution rate that will increase employees’ average... View Details
Keywords: Nudge; Choice Architecture; Behavioral Economics; Behavioral Science; Default; Savings; Decision Choices and Conditions; Behavior; Motivation and Incentives
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Beshears, John, Richard T. Mason, and Shlomo Benartzi. "How to Choose a Default." Behavioral Science & Policy 8, no. 1 (2022): 1–15.
  • November 1991
  • Case

Magic Johnson: Endorsements ""After""...?

By: Stephen A. Greyser
On Thursday, November 7, 1991, Los Angeles Lakers star Earvin "Magic" Johnson announced his retirement from basketball in the wake of having tested positive for HIV, the virus that causes AIDS. Magic Johnson was one of the most popular figures in sports, both... View Details
Keywords: Marketing Strategy; Value; Sports; Advertising; Alliances; Problems and Challenges; Decision Choices and Conditions; Brands and Branding; Consumer Products Industry; Sports Industry; Entertainment and Recreation Industry
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Greyser, Stephen A. Magic Johnson: Endorsements ""After""...? Harvard Business School Case 592-057, November 1991.
  • September 2023
  • Supplement

David Beckham (B): Signing Lionel Messi to Inter Miami CF

By: Anita Elberse and David Moreno Vicente
In June 2023, David Beckham, co-owner of Major League Soccer team Inter Miami CF, is hoping to find a way to bring Lionel Messi, widely regarded as one of the best players the world of soccer has ever seen, to his team. But Messi—a seven-time winner of the Ballon d’Or... View Details
Keywords: Soccer; Football; Superstars; General Management; Sports; Negotiation Offer; Competitive Strategy; Compensation and Benefits; Entertainment; Media; Marketing; Sports Industry; Miami
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Elberse, Anita, and David Moreno Vicente. "David Beckham (B): Signing Lionel Messi to Inter Miami CF." Harvard Business School Supplement 524-040, September 2023.
  • January 2024 (Revised January 2025)
  • Case

Huawei: Resilience amid Autarky and Adversity

By: William C. Kirby and Daniel Fu
In September 2023, Huawei made a dramatic return to the global smartphone space with the launch of its Mate 60 Pro smartphone, equipped with an indigenously designed, 7nm chip. This came despite a myriad of export controls and restrictions imposed against the company... View Details
Keywords: International Strategy; Semiconductors; Smartphone; Government And Politics; Government And Business; Digital Infrastructure; 5G; Political Risk; Business and Government Relations; Global Strategy; Multinational Firms and Management; Governing Rules, Regulations, and Reforms; AI and Machine Learning; Mobile and Wireless Technology; Leadership; Retirement; Corporate Strategy; Technology Industry; China; United States; Europe; Asia; Middle East
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Kirby, William C., and Daniel Fu. "Huawei: Resilience amid Autarky and Adversity." Harvard Business School Case 324-069, January 2024. (Revised January 2025.)
  • March 2002 (Revised August 2002)
  • Case

Microsoft.NET

By: Alan D. MacCormack and Kerry Herman
Set in the summer of 2000, following the unveiling of Microsoft's .NET initiative to the public. Three of the key figures in .NET's development are considering the next steps they would have to take to keep the initiative moving forward. Specifically, the challenges... View Details
Keywords: Applications and Software; Growth and Development Strategy; Change Management; Talent and Talent Management; Policy; Business Model; Computer Industry; Web Services Industry
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MacCormack, Alan D., and Kerry Herman. "Microsoft.NET." Harvard Business School Case 602-086, March 2002. (Revised August 2002.)
  • September 2017 (Revised July 2021)
  • Case

Asset Allocation at the Cook County Pension Fund

By: Emil Siriwardane, Juliane Begenau and Yuval Gonczarowski
Nickol Hackett, chief investment officer of the Cook County Pension Fund, is responsible for investing the fund’s $9 billion worth of assets on behalf of the employees of Cook County, Illinois. Like many other defined-benefit pensions at the time, the Cook County... View Details
Keywords: Asset Management; Investment Funds; Financial Strategy; Decision Choices and Conditions
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Siriwardane, Emil, Juliane Begenau, and Yuval Gonczarowski. "Asset Allocation at the Cook County Pension Fund." Harvard Business School Case 218-030, September 2017. (Revised July 2021.)
  • March 2008
  • Supplement

Patel Food and Chemicals Private Limited (B)

By: Felda Hardymon and Ann Leamon
Alok Patel, the founder and chairman of a Gujarat-based, privately held edible oils processor, has hired a CFO and the company is doing extremely well. He wants to add a new plant to process oilive oil, but estimates he will need $20 million. He must decide among... View Details
Keywords: Financial Management; Growth and Development Strategy; Financing and Loans; Investment; Financial Strategy; Food and Beverage Industry; Chemical Industry; Gujarat
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Hardymon, Felda, and Ann Leamon. "Patel Food and Chemicals Private Limited (B)." Harvard Business School Supplement 808-143, March 2008.
  • 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
Keywords: Personal Finance; Saving; Retirement; Behavioral Finance; Compensation and Benefits
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Choi, James J., David Laibson, Jordan Cammarota, Richard Lombardo, and John Beshears. "Smaller than We Thought? The Effect of Automatic Savings Policies." Working Paper.
  • 2025
  • Working Paper

Performance Capital Flows in DC Pensions

By: Bryan Gutierrez Cortez, Victoria Ivashina and Juliana Salomao
Are defined contribution (DC) pension funds' capital flows sensitive to performance? We examine pressures from individual account holders who can switch their pension managers. Using novel data on retirement accounts for nearly 10 million individuals, we analyze... View Details
Keywords: Investment Funds; Retirement; Risk and Uncertainty; Financial Management; Investment Portfolio; Financial Services Industry
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Gutierrez Cortez, Bryan, Victoria Ivashina, and Juliana Salomao. "Performance Capital Flows in DC Pensions." NBER Working Paper Series, No. 33693, April 2025.
  • September 2006 (Revised November 2007)
  • Case

Board of Directors of Medtronic, Inc.

By: Jay W. Lorsch and Alexis Chernak
The board of directors of Medtronic, Inc., a company known for its commitment to effective corporate governance, must prepare for the departure of Chairman and CEO Bill George and the retirement of four long-time directors. The company had experienced rapid growth in... View Details
Keywords: Change Management; Corporate Governance; Governing and Advisory Boards; Management Succession; Organizational Culture
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Lorsch, Jay W., and Alexis Chernak. "Board of Directors of Medtronic, Inc." Harvard Business School Case 407-045, September 2006. (Revised November 2007.)
  • April 2002 (Revised October 2003)
  • Case

Pension Plan of Bethlehem Steel, 2001, The

By: Peter Tufano
Bethlehem Steel's 2001 bankruptcy filing inspires an employee's daughter to evaluate her father's pension plan, weeks after September 11's tragedies exacerbated a weakening U.S. economy and just months before her father planned to retire. Battered equity markets and... View Details
Keywords: Asset Management; Financial Instruments; Retirement; Steel Industry; United States
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Tufano, Peter, Zvi Bodie, and Akiko M. Mitsui. "Pension Plan of Bethlehem Steel, 2001, The." Harvard Business School Case 202-088, April 2002. (Revised October 2003.)
  • August 2020 (Revised December 2020)
  • Case

General Dennis L. Via: People First, Mission Always

By: Boris Groysberg, Susan Seligson, Katherine Connolly Baden and Robin Abrahams
Dennis L. Via, was a retired four-star U.S. Army general and one of the world’s foremost experts on logistics, crisis management, supply chains, and maintaining a state of readiness at all times. As he reflected back on his career and leadership experience during the... View Details
Keywords: Leadership; Crisis Management; Planning; Health Pandemics; United States
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Groysberg, Boris, Susan Seligson, Katherine Connolly Baden, and Robin Abrahams. "General Dennis L. Via: People First, Mission Always." Harvard Business School Case 421-025, August 2020. (Revised December 2020.)
  • February 2018 (Revised May 2019)
  • Case

CEWD: Closing the Skills Gap

By: William Kerr, Michael Norris and Manjari Raman
In 2018, Ann Randazzo, executive director of the Center for Energy Workforce Development (CEWD) is assessing the organization’s performance since its 2006 founding. Founded to address an imminent retirement bubble of middle skills workers in the utilities industry,... View Details
Keywords: Workforce Development; Industry Cooperation; Skills Gap; Middle Skills; Training; Strategic Planning; Competency and Skills; Utilities Industry; United States
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Kerr, William, Michael Norris, and Manjari Raman. "CEWD: Closing the Skills Gap." Harvard Business School Case 818-081, February 2018. (Revised May 2019.)
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