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- All HBS Web (375)
- Faculty Publications (27)
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Strategic Plan | Information Technology
contribute to our success in supporting the HBS community and achieving our mission and vision. 1. Excel in Service Delivery 1.01: Faculty Consultation & Engagement Staffing 1.02: IT Project Execution 1.03: IT Rebrand & Public Site Launch...
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- February 2022
- Article
Borrowing to Save? The Impact of Automatic Enrollment on Debt
By: John Beshears, James J. Choi, David Laibson, Brigitte C. Madrian and William L. Skimmyhorn
Does automatic enrollment into a retirement plan increase financial distress due to increased borrowing outside the plan? We study a natural experiment created when the U.S. Army began automatically enrolling newly hired civilian employees into the Thrift Savings Plan....
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Keywords:
Retirement Savings;
Automatic Enrollment;
Choice Architecture;
Nudge;
Financial Distress;
Retirement;
Saving;
Borrowing and Debt;
Behavior
Beshears, John, James J. Choi, David Laibson, Brigitte C. Madrian, and William L. Skimmyhorn. "Borrowing to Save? The Impact of Automatic Enrollment on Debt." Journal of Finance 77, no. 1 (February 2022): 403–447.
- 20 Jul 2020
- Op-Ed
It's Time for a Bipartisan Health Plan for Employers and Employees
Individual Coverage Health Reimbursement Arrangements (ICHRAs), to buy Section 1301 qualified health plans in the individual market. We advocate that the Trump rule be expanded to designate the Public Option as one of the insurance...
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- 2008
- Chapter
Life-Cycle Funds
By: Luis M. Viceira
The U.S. retirement system has experienced a substantial transformation in recent years. It has evolved from a system in which employees relied mainly on Social Security and professionally managed defined benefit (DB) pension plans sponsored by their employers to...
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Viceira, Luis M. "Life-Cycle Funds." Chap. 5 in Overcoming the Saving Slump: How to Increase the Effectiveness of Financial Education and Saving Programs, edited by Annamaria Lusardi. University of Chicago Press, 2008.
- 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...
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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.
- 06 Jan 2006
- News
Made to Measure Is the Best Fit for Future Pensioners
- 07 Feb 2008
- Working Paper Summaries
Attracting Flows by Attracting Big Clients: Conflicts of Interest and Mutual Fund Portfolio Choice
- June 2011 (Revised September 2011)
- Case
Tough Choices for the Illinois Pension System
By: Robert C. Pozen and Brij S. Khurana
This case describes the precarious fiscal situation of the Illinois public pension system in the spring of 2009 and the accounting of pension plans by non-federal municipalities more generally. In February 2009, in the midst of a recession, recently-appointed Governor...
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Keywords:
Budgets and Budgeting;
Financial Crisis;
Financial Liquidity;
Annuities;
Financial Management;
Financing and Loans;
Taxation;
Strategic Planning;
Problems and Challenges;
Illinois
Pozen, Robert C., and Brij S. Khurana. "Tough Choices for the Illinois Pension System." Harvard Business School Case 311-139, June 2011. (Revised September 2011.)
- Forthcoming
- Article
Transitioning Into Retirement: The Interplay of Self and Life Structure
By: Marcy Crary, Douglas T. (Tim) Hall, Kathy E. Kram, Teresa M. Amabile and Lotte Bailyn
This paper explores the psychological, social, and behavioral ways in which professionals end their corporate careers and reorient themselves and their lives in the transition from employment to retirement. Framed within life course theory, specifically the adult...
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Crary, Marcy, Douglas T. (Tim) Hall, Kathy E. Kram, Teresa M. Amabile, and Lotte Bailyn. "Transitioning Into Retirement: The Interplay of Self and Life Structure." Working, Aging and Retirement (forthcoming). (Pre-published online March 21, 2024.)
- 17 Feb 2014
- Research & Ideas
Companies Detangle from Legacy Pensions
nearly all corporations ceased offering defined benefit plans in favor of "defined contribution" packages such as 401(k) plans—in which employees contribute a set...
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- 17 Sep 2018
- Research & Ideas
Welcome to Retirement. Who Am I Now?
retirement in different phases of our careers, they talked to millennials just starting out in the work world, workers inching closer to retirement age, late-career professionals entering retirement, and...
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- 06 Nov 2008
- Op-Ed
Selling Out The American Dream
zero. Consumer confidence has plummeted with the value of 401(k) plans and retirement nest eggs. Retail sales fell 1.2 percent in September, double the expected decline. Car sales are at a fifteen-year low....
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Keywords:
by John Quelch
- 14 Jan 2009
- Working Paper Summaries
Smart Money: The Effect of Education, Cognitive Ability, and Financial Literacy on Financial Market Participation
- 13 Jan 2015
- First Look
First Look: January 13
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 View Details
Keywords:
Sean Silverthorne
- 11 Jul 2023
- Blog Post
Second Life: Reflections on Complementing Success with an Encore Career
In 2015, Steve Kloeblen retired and thought he was done with the corporate world. A graduate of HBS Executive Education’s General Management Program, Kloeblen had more than 30 years of experience with IBM, culminating with his transition...
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- 04 Jun 2009
- Working Paper Summaries
Can a Continuously-Liquidating Tontine (or Mutual Inheritance Fund) Succeed where Immediate Annuities Have Floundered?
- 03 Jun 2002
- Research & Ideas
How to Succeed With Your New Boss
your mandate and negotiate for resources is a clear early priority. Defining Your Goals When you think about working with your new boss, keep the following goals in mind: Clarify mutual expectations early. Begin managing expectations...
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by Michael Watkins
- 08 Apr 2019
- Blog Post
Second Life: Reflections on Complementing Success with an Encore Career
In 2015, Steve Kloeblen retired and thought he was done with the corporate world. A graduate of HBS Executive Education’s General Management Program, Kloeblen had more than 30 years of experience with IBM, culminating with his transition...
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Keywords:
Technology
- 15 Jun 2007
- Research & Ideas
Remembering Alfred Chandler
fields of sociology, economics, and business administration as well. All 3 books have received enormous attention and will continue to do so. But it should also be remembered that Al made contributions to business history throughout his...
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by Sean Silverthorne
- June–July 2019
- Article
A Methodology for Operationalizing Enterprise IT Architecture and Evaluating Its Modifiability
By: Robert Lagerström, Alan MacCormack, David Dreyfus and Carliss Y. Baldwin
Recent contributions to information systems theory suggest that the primary role of a firm’s information technology (IT) architecture is to facilitate, and therefore ensure the continued alignment of a firm’s IT investments with a constantly changing business...
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Keywords:
Enterprise Architecture;
Modularity;
Information Systems;
Modifiability;
Design Structure Matrix
Lagerström, Robert, Alan MacCormack, David Dreyfus, and Carliss Y. Baldwin. "A Methodology for Operationalizing Enterprise IT Architecture and Evaluating Its Modifiability." Complex Systems Informatics and Modeling Quarterly 19 (June–July 2019): 75–98.