Topic: Savings

Title (A-Z) Title (Z-A) Latest Oldest
The hands of a young woman depositing check by phone in the cafe. Research Brief / Banking

Why Big Banks Can Pay Less on Deposits

Their level of technology and services makes up for it; it’s vice versa with little banks

Illustration of binoculars Research Brief / Marketing

When Does the Future Begin?

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

Woman with a laptop and smartphone Research Brief / Retirement Planning

Thinking Small Could Deliver Bigger Retirement Success for Gig Workers

Daily, weekly and monthly contribution schemes gauge behavior

Illustration of a man walking on a tight wire with a net below Feature / Goal Setting

The Case for Building Wiggle Room into Goals

Aiming high, with some flexibility to trip up along the way, spurs greater success

Broken piggy bank full of coins Feature / Retirement

Save, Save, Save, but Then What? Financial Structure and Spending in Retirement

Innumerable nudges help savings accumulation; now researchers turn to decumulation

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

An illustration of a man holding an umbrella standing ina sea of alarm clocks. Research Brief / Nudges

Lack of Urgency Can Undermine a Popular Behavioral Nudge

Encouraging pre-commitment to a future behavior helps people do hard things — but it can backfire

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

Modern woman on her way to take the train. Super commuting lifestyle. Research Brief / Nudges

Future-self Nudge Works Even Better in Reverse

Starting with your future self and looking back to your current self increases likelihood of saving

Research Brief / Nudges

Fresh-Start Framing Boosts Retirement Plan Participation

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

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

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

A list of CD interest rates Research Brief / Banking

CD Withdrawal Penalties: Often More Than Worth the Risk

Banks know you won’t do the math: Even after a penalty for early withdrawal, the longer-term CD often nets out to a better deal

Illustration of a man weighing two balances Research Brief / Retirement Planning

Behind the Annuity Conundrum: The Belief They’re Unfair

Researchers find little commonality among haters of the difficult-to-sell retirement products, except when discussing fairness

Illustration of US dollars stacked Feature / Retirement Planning

Are Americans Really Annuity-Averse? Clear Thinking on Retirement Income

A monthly check, not just a pile of cash: Studies demystify the instruments too few are using