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Finance

Journal Article

Pathways to Retirement Among Dual Earning Couples

This paper examines the transition from full-time work to fully retired among dual earning couples, which we call joint retirement trajectories. We analyze 12 waves of the Health and Retirement Study to map out the distribution of potential pathways that couples undertake when retiring.

Apr 21, 2022
Brochure

Spotlight 2021–2022

Spotlight 2021-2022 highlights selected RAND Europe projects that address the important issues of our time. It also features research that is poised to make a difference in the coming year.

Feb 23, 2022
Report

Proceedings of the U.S.-Japan Socioeconomic Policy Research Exchange: The Rise of Telework Under COVID-19 and the Growth of Cryptocurrency

This volume captures insights from two conferences that brought together leading U.S. and Japanese experts to explore the implications of recent growth in teleworking, working from home, cryptocurrency, and blockchain in the United States and Japan.

Jan 5, 2022
Commentary

More Than Green: Leveraging Green Bonds to Invest in Greater Climate Resilience

The significance of green bonds may depend not only on having a lot of them but also on carefully developing, investing, and tracking projects against the larger goal of climate resilience.

Nov 24, 2021
Commentary

The Growing Green Bond Market Could Plateau. How Can It Grow Further?

If green bonds are a viable tool to reduce emissions and adapt infrastructure to the effects of climate change, how can governments encourage the issuance, sales, and growth in the share of green bonds in the total bond market?

Nov 23, 2021
Commentary

Green Bonds Can Leave Issuers in the Red

To achieve the Biden administration's blueprint for solar energy and focus on climate change mitigation and adaptation, green bonds may be worth considering. But, like any other financing instrument, they may be best considered through a cost-benefit lens.

Nov 22, 2021
Commentary

Protecting the Elderly from Financial Exploitation

Older adults are more vulnerable to scams and more likely to have money and assets than their younger counterparts of the same race/ethnicity. Policy solutions that provide protection against financial fraud could help older adults to live more financially stable lives.

Oct 14, 2021
Commentary

Renters' Last Chance for Pandemic Aid Before Evictions Resume

The pandemic has battered Los Angeles renters, and a new wave of pain is coming with the moratorium on evictions ending September 30. But this housing crisis doesn't have to turn into a new homelessness crisis. Californians with incomes below 80 percent of their area's median are eligible to receive funds from the COVID-19 Rent Relief program.

Sep 24, 2021
Commentary

When a Free Trial Is Anything But

Several strategies could help protect consumers from subscription traps. Strategies could include providing better information showing that a free trial is followed by a subscription, reminding consumers that they have a subscription, and allowing consumers to easily cancel.

Aug 2, 2021
Report

Future of the Credit Information Market: Final report

This project identified the factors influencing change and developed four plausible future scenarios for 2030 that provide insights into the implications for the credit information market, the lending markets, consumers and wider society.

Jul 29, 2021
Commentary

Cryptocurrency Should Be Added to the U.S.-Japan Trade Deal

As the Biden administration begins to define its approach to international trade, and the Suga administration looks to further tighten cooperation with the United States, it may be worth reconsidering the exclusion of cryptocurrency from the U.S.-Japan trade deal. Substantial economic equities are at stake for both sides.

Jul 28, 2021
Commentary

Fintech's Role in Reducing Disparities and Financial Barriers to Health Care Access

Given the growing pressures on health care systems globally and the need for innovative approaches to financing health care, the time may be ripe to develop a robust evidence base and share learning on fintech-enabled approaches that could support universal health coverage agendas and healthier and more stable societies.

Jul 26, 2021
Research Brief

The Prevalence of Criminal Records Among Small Business Owners

This research brief addresses a new estimate of how many U.S. small businesses have owners with criminal history records.

Jun 30, 2021
Blog

RAND Art + Data, 'Gray Market Care,' Supply Chains and Cyberattacks: RAND Weekly Recap

This weekly recap focuses on RAND's new artist residency program, Art + Data; the prevalence of “gray market care” in the United States; supply chains' cyber problem; and more.

Jun 25, 2021
Report

Small Businesses, Criminal Histories, and the Paycheck Protection Program

The Paycheck Protection Program—signed into law as part of the CARES Act in March 2020—provided money for payroll, rent, mortgage, and utilities to small businesses. But companies owned by individuals with criminal backgrounds were ineligible to receive funds. Some of the restrictions were later relaxed, but how many business owners and employees were affected?

Jun 21, 2021
Dissertation

How I Learned to Stop Worrying and Love Blockchain: Implications and Applications of Blockchain

Explores the implications and applications of blockchain, the technology underpinning contentious cryptocurrencies.

May 25, 2021
Research Brief

A New Approach to Measuring Income Inequality

A new method for measuring income inequality reveals that, from 1975 to 2018, the only group for which actual income gains exceeded U.S. GDP growth was the group near the 99th percentile of income distribution.

Apr 29, 2021
Multimedia

Exploring Workplace Financial Wellbeing Interventions

Workplace financial wellbeing interventions could offer a key means for addressing rising financial concerns and mental health issues in the workplace. In this video, Christian van Stolk and Jennifer Bousfield describe their findings from an extensive analysis of British and Asian workplace survey data.

Mar 9, 2021
Infographic

Workplace financial wellbeing interventions and the mental health of young workers

In this study we explore the likely and proven impact of workplace financial wellbeing interventions on the mental health of young workers, through analysis of Britain and Asia's Healthiest Workplace survey data and a literature review.

Mar 8, 2021
Report

Workplace financial wellbeing interventions for young workers: A review of the evidence and analysis of Britain's Healthiest Workplace (BHW) and Asia's Healthiest Workplace (AHW) surveys

In this study we explore the likely and proven impact of workplace financial wellbeing interventions on the mental health of young workers, through analysis of Britain and Asia's Healthiest Workplace survey data and a literature review.

Mar 8, 2021

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RAND Topic:
Finance

Topic Synonyms:
Monetary Systems

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