Topic: Personal Finance
Fresh-Start Framing Boosts Retirement Plan Participation
A behavioral nudge passes a real-world test with 6,000 workers
Future-self Nudge Works Even Better in Reverse
Starting with your future self and looking back to your current self increases likelihood of saving
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
Helping People Make Wise Decisions for Retirement Income
Nudges, long aimed at saving behavior, are needed for people converting a nest egg into income
How Our Collective Struggle With Self-Control Shapes Stock Prices
Overspending rises in times of stress and that affects investment decisions
How Will You Spend Your IPO Windfall?
“Uh, I already bought a house”: Tech workers spend ahead of actual stock sales
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
Joint Bank Accounts Make for Happier Couples
Those who keep finances separate are likelier to split up, be less satisfied with their relationship
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
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
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
One Data Set That Warns Against Margin Trading
As a group, Chinese futures traders more likely to suffer margin call than to profit
Overcoming Obstacles to Taking Better Care of Your Future Self
Hal Hershfield’s book offers research-backed methods to build a healthier, happier, more financially secure life
Oversight of Borrowed Money Creates Animosity
Friends lending to friends, taxpayers bailing out businesses feel it’s still their money and have opinions on how it’s spent
Political Football: Inclusion of ESG Funds in 401(k)s
In nation accustomed to litigation, availability of funds has varied by U.S. Circuit Court boundary
Privacy Comes at a Cost for Fintech Borrowers
Consumers in India welcomed an end to intrusive data mining, but it made it harder to get the loans