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Publications

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  • All HBS Web  (62)
    • Research  (57)
  • Faculty Publications  (43)

Show Results For

  • All HBS Web  (62)
    • Research  (57)
  • Faculty Publications  (43)
Page 1 of 62 Results →
  • 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
  • 23 Nov 2015
  • Working Paper Summaries

Self Control and Commitment: Can Decreasing the Liquidity of a Savings Account Increase Deposits?

Keywords: by John Beshears, James J. Choi, David Laibson, Brigitte C. Madrian, Christopher Harris & Jung Sakong; Banking
  • 06 Oct 2020
  • Working Paper Summaries

Optimal Illiquidity

Keywords: by John Beshears, James J. Choi, Christopher Clayton, Christopher Harris, David Laibson, and Brigitte C. Madrian
  • 05 Oct 2016
  • Research & Ideas

Why Don't More People Get Flu Shots at Work?

office, or how their daily routine brought him or her near the clinic location. Beshears’s co-authors of the study were James J. Choi, professor of finance at Yale University’s... View Details
Keywords: by Roberta Holland; Health
  • 03 Jan 2017
  • Research & Ideas

5 New Year's Resolutions You Can Keep (With the Help of Behavioral Science Research)

learn more, see The Effect of Providing Peer Information on Retirement Savings Decisions by John Beshears, James View Details
Keywords: by Carmen Nobel
  • 31 May 2016
  • First Look

May 31, 2016

June 2016 Medical Care Vaccination Rates Are Associated with Functional Proximity but Not Base Proximity of Vaccination Clinics By: Beshears, John, James J. View Details
Keywords: Sean Silverthorne
  • 27 Aug 2013
  • First Look

First Look: August 27

Journal of Economic Behavior & Organization Simplification and Saving By: Beshears, John, James J. Choi, David... View Details
Keywords: Sean Silverthorne
  • Web

Organizational Behavior - Doctoral

Whillans Letian Zhang Ting Zhang Julian J. Zlatev Current HBS Faculty & Students by Interest Decision-making Max H. Bazerman David E. Bell Alex Chan Edward H. Chang Leslie K.... View Details
  • Web

Business Economics - Doctoral

College London, Assistant Professor (2022) Advisors: Matthew Rabin , Alberto Alesina , David Laibson , Christine L. Exley , and Roland Benabou Marcela Carvalho, 2025 London Business School, Accounting... View Details
  • 13 Jan 2015
  • First Look

First Look: January 13

colleges by limiting the number of possible applications. Download working paper: http://www.nber.org/papers/w20774 Does Front-Loading Taxation Increase Savings? Evidence from Roth 401(k) Introductions By: View Details
Keywords: Sean Silverthorne
  • Web

Negotiation, Organizations & Markets - Faculty & Research

Investment Funds ; Employees ; United Kingdom Citation Read Now Related Berk, Sarah Holmes, John Beshears, Jay Garg, James J. View Details
  • Web

Faculty & Research

Journal of Financial Economics 165 (March 2025). Optimal Illiquidity By: John Beshears , James J. Choi, Christopher Clayton, Christopher Harris,... View Details
  • 03 Feb 2015
  • First Look

First Look: February 3

  Publications February 2015 Journal of Finance The Effect of Providing Peer Information on Retirement Savings Decisions By: Beshears, John, James J. View Details
Keywords: Sean Silverthorne
  • 10 Mar 2015
  • First Look

First Look: March 10

http://amr.aom.org.ezp-prod1.hul.harvard.edu/content/early/2015/02/10/amr.2015.0042.abstract February 2015 American Economic Review: Papers and Proceedings Liquidity in Retirement Savings Systems: An International Comparison By: Beshears,... View Details
Keywords: Carmen Nobel
  • Web

Student Research - Doctoral

By: Sarah Holmes Berk, John Beshears , Jay Garg , James J. Choi and David Laibson 01 MAY 2025 | Faculty & Research... View Details
  • 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.
  • 2022
  • Working Paper

Optimal Illiquidity

By: John Beshears, James J. Choi, Christopher Clayton, Christopher Harris, David Laibson and Brigitte C. Madrian
We calculate the socially optimal level of illiquidity in an economy populated by households with taste shocks and naive present bias. The government chooses mandatory contributions to accounts, each witha different pre-retirement withdrawal penalty. Collected... View Details
Keywords: Illiquidity; Commitment; Flexibility; Savings; Social Security; Retirement; Government Legislation; Taxation; Saving
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Beshears, John, James J. Choi, Christopher Clayton, Christopher Harris, David Laibson, and Brigitte C. Madrian. "Optimal Illiquidity." Working Paper, July 2022.
  • Article

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

By: John Beshears, James J. Choi, David Laibson and Brigitte C. Madrian
Can governments increase private savings by taxing savings up front instead of in retirement? Roth 401(k) contributions are not tax-deductible in the contribution year, but withdrawals in retirement are untaxed. The more common before-tax 401(k) contribution is... View Details
Keywords: Saving; Retirement; Taxation
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Beshears, John, James J. Choi, David Laibson, and Brigitte C. Madrian. "Does Front-Loading Taxation Increase Savings? Evidence from Roth 401(k) Introductions." Journal of Public Economics 151 (July 2017): 84–95.
  • 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.
  • March 2025
  • Article

Optimal Illiquidity

By: John Beshears, James J. Choi, Christopher Clayton, Christopher Harris, David Laibson and Brigitte C. Madrian
We study the socially optimal level of illiquidity in an economy populated by households with taste shocks and present bias with naive beliefs. The government chooses mandatory contributions to accounts, each with a different pre-retirement withdrawal penalty.... View Details
Keywords: Retirement; Financial Liquidity; Personal Finance; Saving
Citation
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Beshears, John, James J. Choi, Christopher Clayton, Christopher Harris, David Laibson, and Brigitte C. Madrian. "Optimal Illiquidity." Art. 103996. Journal of Financial Economics 165 (March 2025).
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