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- Research (57)
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- 05 Feb 2015
- Working Paper Summaries
Does Front-Loading Taxation Increase Savings? Evidence from Roth 401(k) Introductions
- 06 Oct 2020
- Working Paper Summaries
Optimal Illiquidity
- 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
- 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
Business Economics - Doctoral
and Public Policy Department, Assistant Professor (2024) Advisors: Ariel Pakes (Chair) , Emily Breza , Edward Glaeser , Myrto Kalouptsidi , and Gautam Rao Talia B. Gillis, 2022 Columbia Law School, Associate Professor of Law Advisors: View Details
- Web
Organizational Behavior - Doctoral
and Daniel Carpenter Ariella Kristal, 2022 Columbia Business School, Post-Doctoral fellow (2022-2024) Advisors: Ashley V. Whillans (Co-Chair), Julian J. Zlatev (Co-Chair), Max H. Bazerman , Iris Bohnet , and 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
Related Beshears, John, James J. Choi, Christopher Clayton, Christopher Harris, David Laibson, and Brigitte C.... 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
Finance - Faculty & Research
Rodrigo S. Verdi. "Do Public Financial Statements Influence Private Equity and Venture Capital Financing?" Accounting Review 100, no. 2 (March 2025). Optimal Illiquidity By: John Beshears , James View Details
- 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
Beshears, John, James J. Choi, Christopher Clayton, Christopher Harris, David Laibson, and Brigitte C. Madrian. "Optimal Illiquidity." Working Paper, July 2022.
- 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
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.
- 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
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.
- 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
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).
- 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.
- November 2013
- Article
Simplification and Saving
By: John Beshears, James J. Choi, David Laibson and Brigitte C. Madrian
The daunting complexity of important financial decisions can lead to procrastination. We evaluate a low-cost intervention that substantially simplifies the retirement savings plan participation decision. Individuals received an opportunity to enroll in a retirement... View Details
Keywords: Retirement Savings; Simplification; Procrastination; Behavioral Economics; Saving; Motivation and Incentives; Retirement
Beshears, John, James J. Choi, David Laibson, and Brigitte C. Madrian. "Simplification and Saving." Journal of Economic Behavior & Organization 95 (November 2013): 130–145.