Skip to Navigation Skip to Search Skip to Main Content Skip to Footer Links

Topic: Personal Finance

Illustration of bond certificates as a boat in the ocean filled with water Research Brief / Bond Market

A ‘Safer’ Treasury Bond

The government’s floating rate notes feature an added measure of security: higher interest earnings in times of rising rates

Illustration of people as wind-up toys Research Brief / Retirement

Americans Sacrifice $3.4 Trillion by Claiming Social Security Too Soon

Can nudges, tailored to personality traits, persuade retirees to wait?

Overview of a downtown city scape Research Brief / Unemployment

Consumer Spending and Jobless Data: a Peculiar Threshold

A 12-month high in local unemployment triggers savings behavior

People in line outside the Bank of China Research Brief / Cultural History

Culture Affects How People Save Money

Immigrants show saving tendencies that carry through several generations

Elderly couple looking through paperwork and receipts Research Brief / Banking

Did Bank Capital Rules Make Credit Card Borrowing More Expensive?

Though defaults are low, rates on credit card loan-backed notes are high

Close-up angled image of someone's eye. The eye is reflecting a beach landscape Research Brief / Personal Finance

Do Money Troubles Make It Harder to Daydream?

Popular notion that the poor console themselves with fantasy is perhaps more a comfort to the rich

A person crossing the street and holding three Gucci shopping bags Research Brief / Nudges

Does Spending Mean You’re Wealthy?

To many, yes, and that belief leads to lower levels of financial well-being

Woman paying bills with a computer Research Brief / Student Loans

Education Pays Off Handsomely, but Borrowing for It Makes People Unhappy

Student debt weighs on happiness more than mortgages or credit card loans

Research Brief / Nudges

Fresh-Start Framing Boosts Retirement Plan Participation

A behavioral nudge passes a real-world test with 6,000 workers

Illustration of a woman meditating Research Brief / Personal Finance

Good Information Alone Won’t Drive Financial Well-Being

A review of academic research finds the path to saving more and spending less often involves emotional prompts

Two people smiling Feature / Retirement Planning

Helping People Make Wise Decisions for Retirement Income

Nudges, long aimed at saving behavior, are needed for people converting a nest egg into income

Woman shopping for a new home Research Brief / Personal Finance

How Will You Spend Your IPO Windfall?

“Uh, I already bought a house”: Tech workers spend ahead of actual stock sales

Illustration of a character wearing a hat covering their ears Research Brief / Investing

Ignorance — About One’s Investments, Anyway — Isn’t Always Bliss

Valentin Haddad’s research looks at the phenomenon of “information aversion,” when individual investors stop tracking their portfolios for fear of bad news

Illustration of a couple depositing money in a large piggy bank Research Brief / Personal Finance

Joint Bank Accounts Make for Happier Couples

Those who keep finances separate are likelier to split up, be less satisfied with their relationship

Person using a computer to check their 401K Research Brief / Retirement Planning

Maximizing Retirement Savings: More Nudging Required

Tweaking 401(k) website design and language can significantly boost worker contributions, yet HR doesn’t always see these opportunities

Downhill race with aerodynamic push cars Research Brief / Investing

Momentum Investing: It Works, But Why?

After a quarter century of sprawling study, it’s time to narrow the focus and settle on an explanation