The document presents 21 projects that aim to develop social finance markets in 15 EU countries. The study developed by RAND Europe and Ecorys for the European Commission supports the exchange of experiences and mutual learning between the projects.
A bewildering array of curricula and materials is available to support K–12 financial education. This reviewing tool helps educators assess which to use, and to better understand the strengths and gaps in the curriculum currently in use.
Low interest rates mandated by the Federal Reserve may have had and possibly continue to have adverse effects on income inequality. Those who argue for continuing near-zero short-term interest rate policy should be cognizant of this.
Financial service providers often have better information about their wares than consumers. Disclosure is a policy tool designed to address this by giving consumers valuable information. But it may not provide enough support in helping them make more informed decisions.
This report reviews evidence from the research literature about whether working with a financial adviser improves savings behavior, in general, as well as saving for long-term goals, particularly retirement.
This review compares financial advice markets in a cross-section of countries where regulatory changes aimed at improving the quality of financial advice have recently been made, to determine how such changes have affected them.
Using vehicle miles traveled as a means of distributing the cost of maintaining America's roads and bridges may not be the only answer. But it represents the kind of innovative thinking that is necessary when this sector of the American transportation infrastructure is desperately in need of a fix.
Oregon is rolling out the nation's first large-scale pilot to examine switching to a mileage fee instead of the gas tax. The trial is a welcome next step toward understanding how mileage fees can be deployed.
In this Events @ RAND podcast, Economist Annamaria Lusardi discusses financial literacy, or the ability to use knowledge and skills to manage financial resources effectively. The podcast also explores workplace programs and policy changes that could help individuals learn about managing their personal finances.
RAND Labor and Population conducts research related to financial decisionmaking, including how individuals and families plan for retirement, choose health insurance, and survive during periods of economic uncertainty.
This paper examines the potential effects of the U.S. Department of Labor, Employee Benefits Security Administration's proposed rule 29 CFR Part 2510, Definition of the Term "Fiduciary" on people with Individual Retirement Accounts.
Undermining the financing of terrorist groups must be done as part of a broader effort to undermine terrorist ideology. Policies should focus on the most significant threats to the United States and utilize tools that target the ways these groups finance themselves.
Policymakers in Western countries seeking new policy levers to tackle costly lifestyle behaviors in the age of austerity may do well to take up programs based on cash incentives. Recent analysis of conditional payment programs in Latin America highlights some useful lessons.
Conditional cash transfer programs (CCTs) are seen as particularly effective in low- and middle-income countries, but relatively little is known about the interface between the supply of services and program administration and specific human development outcomes. RAND Europe assessed the effectiveness of CCTs through a two-year grant from UK Economic Social Research Council and Department for International Development.