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  • February 2022
  • Article

Borrowing to Save? The Impact of Automatic Enrollment on Debt

By: John Beshears, James J. Choi, David Laibson, Brigitte C. Madrian and William L. Skimmyhorn
Does automatic enrollment into a retirement plan increase financial distress due to increased borrowing outside the plan? We study a natural experiment created when the U.S. Army began automatically enrolling newly hired civilian employees into the Thrift Savings Plan.... View Details
Keywords: Retirement Savings; Automatic Enrollment; Choice Architecture; Nudge; Financial Distress; Retirement; Saving; Borrowing and Debt; Behavior
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  • January 2025
  • Article

Automatic Enrollment with a 12% Default Contribution Rate

By: John Beshears, Ruofei Guo, David Laibson, Brigitte C. Madrian and James J. Choi
We study a retirement savings plan with a default contribution rate of 12% of income, which is much higher than previously studied defaults. Twenty-five percent of employees had not opted out of this default 12 months after hire; a literature review finds that the... View Details
Keywords: Retirement Savings; Defined Contribution Retirement Plan; Automatic Enrollment; Retirement; Saving; Income; Decision Choices and Conditions
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  • 23 Mar 2023

Intro to Deferred Enrollment Programs

Visit UVA Darden's location in Rosslyn, Virginia and join Admissions representatives from Harvard Business School, Chicago Booth, MIT Sloan, Northwestern Kellogg, Stanford GSB, UVA Darden, Columbia Business School, UPenn Wharton and more for an informative conversation... View Details
  • 22 Mar 2023

Intro to Deferred Enrollment Programs

Wharton School, and Yale School of Management for a discussion on deferred enrollment programs. The event will feature a moderated conversation with admissions representatives from top business schools, followed by a chance to network... View Details
  • 06 Nov 2024

ClearAdmit: Deferred Enrollment MBA Programs

Do you have your sights set on deferred enrollment MBA programs? HBS is participating in a ClearAdmit virtual panel that will feature MBA Admissions representatives from top business schools answering questions about deferred enrollment.... View Details
  • 27 Mar 2024

Philadelphia: Insight into Deferred Enrollment MBA Programs

Admissions representatives from top business schools will lead a moderated discussion on deferred enrollment programs. Join The Wharton School, Columbia Business School, Chicago Booth School of Business, Harvard Business School, Kellogg... View Details
  • 15 Jul 2024

Boston: Insight into Deferred Enrollment MBA Programs

Join in-person Admissions colleagues from Columbia Business School, Harvard Business School, Kellogg School of Management, MIT Sloan School of Management, Stanford Graduate School of Business, UC Berkeley Haas School of Business, University of Chicago Booth School of... View Details
  • 26 Mar 2024

Washington DC: Insight into Deferred Enrollment MBA Programs

Join Admissions colleagues from Columbia Business School, Harvard Business School, Kellogg School of Management, Stanford Graduate School of Business, UC Berkeley Hass School of Business, University of Virginia Darden School of Business, Wharton School of Management... View Details
  • 2010
  • Chapter

The Impact of Employer Matching on Savings Plan Participation under Automatic Enrollment

By: John Beshears, James J. Choi, David Laibson and Brigitte C. Madrian
Existing research has documented the large impact that automatic enrollment has on savings plan participation. All the companies examined in these studies, however, have combined automatic enrollment with an employer match. This raises a question about how effective... View Details
Keywords: Motivation and Incentives; Consumer Behavior; Personal Finance; Investment Funds; Microeconomics; Compensation and Benefits
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  • 26 Jun 2024

Chicago: Insight into Deferred Enrollment MBA Programs

Join admissions colleagues from Columbia Business School, Harvard Business School, Kellogg School of Management, MIT Sloan School of Management, Stanford Graduate School of Business, UC Berkeley Haas School of Business, University of Chicago Booth School of Business,... View Details
  • 2024
  • Working Paper

Does Pension Automatic Enrollment Increase Debt? Evidence from a Large-Scale Natural Experiment

By: John Beshears, Matthew Blakstad, James J. Choi, Christopher Firth, John Gathergood, David Laibson, Richard Notley, Jesal D. Sheth, Will Sandbrook and Neil Stewart
Does automatic enrollment into retirement saving increase household debt? We study the randomized roll-out of automatic enrollment pensions to ~160,000 employers in the United Kingdom with 2-29 employees. We find that the additional savings generated through automatic... View Details
Keywords: Retirement; Saving; Personal Finance; Borrowing and Debt; Credit; Compensation and Benefits
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  • 06 Nov 2023

Intro to Deferred Enrollment Programs: A Multi-School Event

Business, The Wharton School, and Yale School of Management for a discussion on deferred enrollment programs. The event will feature a moderated conversation with admissions representatives from top business schools, followed by a chance... View Details
  • 16 Jul 2024

NYC: Insight into Deferred Enrollment MBA Programs

Join admissions colleagues from Columbia Business School, Harvard Business School, Kellogg School of Management, MIT Sloan School of Management, Stanford Graduate School of Business, UC Berkeley Haas School of Business, University of Chicago Booth School of Business,... View Details
  • 22 Jun 2020
  • News

Colleges Brace For Steep Drop In International Enrollment This Fall

  • 25 Mar 2024

Charlottesville: Insight into Deferred Enrollment MBA Programs

Join Katherine Alford, Director of Admissions at UVA Darden and her Admissions colleagues from Columbia Business School, Harvard Business School, Kellogg School of Management, Stanford Graduate School of Business, Wharton School of Management and Yale School of... View Details
  • 16 Jun 2020
  • News

A Decade-Long Stall for Black Enrollment in M.B.A. Programs

  • 07 Nov 2023

Intro to Deferred Enrollment Programs: A Multi-School Event

You're invited to a live discussion on Deferred Enrollment Programs hosted by top MBA programs. The event will feature a moderated conversation and the opportunity to network with each participating institution. View Details
  • 13 Jul 2023

Intro to Deferred Enrollment Programs: A Multi-School Event

The Wharton School, and Yale School of Management for a discussion on deferred enrollment programs. The event will feature a moderated conversation with admissions representatives from top business schools, followed by a chance to network... View Details
  • 18 Sep 2024

Insight into Deferred Enrollment MBA Programs in Atlanta

Join Harvard Business School alongside Columbia Business School, Emory Goizueta, Kellogg School of Management, MIT Sloan School of Management, Stanford Graduate School of Business, University of Virginia Darden School of Business, and the Wharton School for a lively... View Details
  • 09 Nov 2023

Intro to Deferred Enrollment Programs: A Multi-School Event

Curious about deferred admission enrollment opportunities at top MBA programs? Join the following business schools for an intimate panel discussion, followed by a live Q&A and a multi-school networking fair. The event will feature a... View Details