Finance

  • Top view of a young man with a stack of overdue bills

    Commentary

    What Keeps Millennials Awake at Night Could Change Over Time

    Millennials are less worried than baby boomers about national security topics and more worried about kitchen table issues, such as making ends meet each month and paying off debts. But this may have less to do with the fact that they are millennials and more to do with the fact that millennials are young.

    Jul 30, 2018

  • Woman working in florist shop

    Research Brief

    Many Americans Follow Nontraditional Paths to Retirement

    Most U.S. seniors don't follow the “standard” pattern of retirement. For example, many stay in full- or part-time posts past age 70. Health and economic factors, cognitive abilities, and personality traits can shape Americans' retirement paths.

    Jul 30, 2018

  • Young woman using a computer

    Multimedia

    Millennials and National Security

    In this Call with the Experts, Marek N. Posard and Kathryn Edwards discuss their new report, which compares attitudes and opinions of millennials with those of previous generations and draws inferences about potential millennial concerns about security. Andrew Parasiliti also joins the conversation to provide an overview of the Security 2040 project.

    Jun 28, 2018

  • Group of millennial business people

    Report

    What Do Millennials Think About Security Issues?

    As millennials become more prominent in the public and private sectors, their views will have greater influence. How do their attitudes toward security differ from those of previous generations? And what do these perceptions imply for U.S. security policy in 2040?

    Jun 14, 2018

  • College students in a lecture hall

    Report

    Sustaining Pennsylvania's State System Universities

    The Pennsylvania State System of Higher Education is facing considerable challenges, such as demographic shifts, limited state funding, and strong competition. Options are available to address the system's long-term sustainability and viability, but major changes would be needed.

    Apr 25, 2018

  • University students walking on campus road

    Testimony

    Five Options for Long-Term Sustainability of Pennsylvania's State System Universities

    Pennsylvania's State System of Higher Education faces significant challenges to its long-term sustainability, including population shifts and limited state funding. There are options to address these issues and avoid closures, but major structural changes will be needed.

    Apr 25, 2018

  • Journal Article

    Cognitive Ability, Personality, and Pathways to Retirement: An Exploratory Study

    This paper explores the utility of two prominent psychological variables - cognitive ability and personality - as predictors, while also substantially expanding the detail with which retirement pathways can be characterized.

    Apr 3, 2018

  • Graphic of digital integrated network technology

    Testimony

    A Close Look at Data Thieves

    What do cyberattackers do with the data they steal? And how do they monetize it? Grouping hackers by their goals, motivations, and capabilities can shed light on these questions.

    Mar 15, 2018

  • Steel beams on the draw span, which needs replacement, are shown on the Arlington Memorial Bridge in Washington, U.S., June 20, 2016

    Commentary

    The Long Game on Infrastructure

    The Trump administration recently announced its Legislative Outline for Rebuilding Infrastructure in America. With its lack of new federal funding, the plan may not be the best path to fixing America's most serious regional, national, and long-term problems.

    Feb 20, 2018

  • U.S. President Donald Trump applauds in front of Vice President Mike Pence and Speaker Paul Ryan during his first State of the Union address in Washington, January 30, 2018

    Blog

    Trump's First State of the Union: Insights from RAND

    RAND research, analysis, and expertise provide context for the issues discussed in the president's first State of the Union address, including infrastructure, North Korea, and opioids.

    Jan 31, 2018

  • The so called "Great Wall of Louisiana", a 1.8-mile long concrete wall located east of downtown New Orleans, United States, is seen from the air August 19, 2015

    Multimedia

    Fixing What's Broken with Infrastructure Policy: Options for Congress

    An infrastructure bill is on the agenda for Congress, but what problems would it fix? In this RAND Congressional Briefing, Debra Knopman discusses policies that promote and deter investment and maintenance of water and transportation infrastructure.

    Jan 24, 2018

  • The Colorado Aqueduct near the Iron Mountain Pumping Plant in Earp, California, April 16, 2015

    Commentary

    How Federal Policy Could Help Water and Wastewater Utilities

    A targeted approach could help the federal government address the root causes of infrastructure problems more effectively than a spending initiative that simply spreads money around with the hope that more spending might do some good.

    Jan 16, 2018

  • News Release

    Not Everything Is Broken with U.S. Transportation and Water Infrastructure; Improved Targeted Strategies Needed to Fix ...

    Transportation and water infrastructure funding and finance in the United States are not nearly as dire as some believe, but a national consensus on infrastructure priorities, accompanied by targeted spending and selected policy changes, is needed.

    Dec 5, 2017

  • Road bridge over Narragansett Bay, Newport County, Rhode Island, USA

    Research Brief

    Fixing U.S. Infrastructure's Ills Requires an Accurate Diagnosis

    This brief examines how the federal government can better promote investment in and maintenance of U.S. transportation and water infrastructure.

    Dec 5, 2017

  • Chickamauga Lock and Dam, near Chattanooga, Tennessee

    Report

    Not Everything Is Broken with U.S. Transportation and Water Infrastructure

    Transportation and water infrastructure funding and finance in the United States are not nearly as dire as some believe. But a national consensus on infrastructure priorities, accompanied by targeted spending and selected policy changes, is needed.

    Dec 5, 2017

  • Communities are seen surrounded by water and wetlands in Plaquemines Parish, Louisiana, August 25, 2015

    Commentary

    Environmental Impact Bonds May Not Bear Fruit for Green Investors

    Investors may be willing to accept a lower return for socially responsible investments. But environmental impact bonds may not be the best way to leverage these investment possibilities.

    Nov 26, 2017

  • Congressman Adam Schiff speaks at a House Intelligence Committee meeting about Russian use of social media to influence U.S. elections, Washington, D.C., November 1, 2017

    Commentary

    Covert Influence Is the New Money Laundering

    Anti-money laundering laws provide lessons for combating covert influence operations, such as Russian meddling in the U.S. election. These laws could be adapted for online media models that do not require users to be paid customers.

    Nov 6, 2017

  • cash in wallet

    Project

    Behavioral Finance (BeFi) Forum Promotes Research on Consumer Behavior

    The RAND Behavioral Finance (BeFi) Forum is a collective of academic, financial, and government leaders who meet regularly in person and via web seminars to foster cutting-edge behavioral research for practical application. BeFi's mission is to help consumers make better financial decisions.

    Oct 24, 2017

  • A container is loaded on to the first Chinese container ship to depart after the inauguration of the China Pakistan Economic Corridor port in Gwadar, Pakistan November 13, 2016

    Commentary

    China's Field of Dreams in Pakistan

    China is four years into joint planning and construction of the China-Pakistan Economic Corridor, a vast economic development package. Beneath the surface, Beijing is testing a new “build it and they will come” model for delivering economic development and foreign aid.

    Oct 16, 2017

  • Report

    Digital currency: Transacting and value exchange in the digital age

    The report gives an overview of expert discussions on trends in the use of digital transaction platforms and cryptocurrencies, and the implications for the wider economic, financial and social landscape.

    Oct 11, 2017