Topic: Personal Finance

Illustration of binoculars Research Brief / Marketing

When Does the Future Begin?

Believing it arrives sooner leads people to, well, prepare for it

Aerial shot of downtown Los Angeles freeways Research Brief / Housing

Rising Rents Force Families to Curtail Spending on Food and Health Care

Cost burdens affect half of U.S. households that rent, as housing shortage worsens

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?

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

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

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 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 riding a rollercoaster Research Brief / Investing

Rethinking Buy-and-Hold Investing

The case for using rising market volatility as a signal to pare back on stocks — does higher risk always mean higher return?

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

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

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

Stock market ticker displays Feature / Stock Returns

New Appreciation for a Classic Stock Market Gauge

The relationship between short- and longer-term moving averages has strong predictive power for share price returns

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

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

Monochrome photo of Wall Street Research Brief / Investing

To Wall Street, There’s No Crisis Like a Banking Crisis

Tyler Muir finds that neither war nor deep recession darkens investor sentiment like sudden turmoil in the financial system

A castle with a moat Research Brief / Investing

The Moat That Keeps Complex Asset Strategies Profitable

Andrea Eisfeldt finds that hedge funds with infrastructure to execute sophisticated arbitrage crowd out less-expert investors