Improving Financial Decisionmaking

Through our Center on Financial and Economic Decisionmaking (CFED), RAND researchers study how individuals and families make financial decisions and examine how public policy can be leveraged to help improve financial stability.

Improving Financial Decisionmaking Related to Retirement

The decrease in defined benefit pension plans use, coupled with an increase in the life span, is shaping how individuals plan financially for their retirement. CFED researchers investigate how households save for retirement, invest their savings, and spend down their assets in retirement.

Building Financial Health amongst the Economically Vulnerable

CFED researchers design, implement, and evaluate interventions targeted at helping individuals build savings, improve credit, reduce debt, and strengthen financial literacy and capability.

Bringing Together Government Policymakers, Academia, and Industry

The RAND Behavioral Finance Forum is an annual conference and webinar series for federal government, academic, and industry leaders on behavioral finance topics such as retirement security, consumer financial protection, and financial advice.

  • Draft

    Household Retirement Savings: Are Spouses Saving Together?

    Feb 3, 2017

    Couples may plan for retirement together, but savings are often held in the name of one individual. How are households dividing retirement contributions and assets between spouses, and how do these decisions impact accumulated assets?

  • Draft

    Opting out of Retirement Plan Default Settings

    Feb 2, 2017

    Most employees who are automatically enrolled into retirement plans will choose to change the default contribution rate or investment portfolio, or both, within the first few years of participation.

  • Draft

    Drawing Down Retirement Wealth: Interactions Between Social Security and Private Savings

    Feb 2, 2017

    Individual financial planning for retirement is increasingly important. A key financial decision that Americans make is how to draw on their retirement wealth across various sources, including both privately saved funds and Social Security benefits.

  • Event

    The RAND Summer Institute Addresses Critical Issues for Our Aging Population

    Jul 10, 2017

    The annual RAND Summer Institute will be held July 10-13, 2017, sponsored by the RAND Labor and Population Center for the Study of Aging. The event brings together expert clinicians and researchers with graduate and post graduate students drawn from diverse disciplinary backgrounds and institutions to discuss the latest findings in the science of aging and the interrelationship of health, economic status, and public policy on the aging field.

Recent Publications

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