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What Would It Take to Close America's Black-White Wealth Gap?

May 9, 2023
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Do Financial Advisers Influence Savings Behavior?

Nov 20, 2015

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Journal Article

Jun 27, 2023

Spending Trajectories After Age 65 Variation by Initial Wealth

Financial planning requires information about how spending needs evolve with age. Spending declines after age 65, also among wealthy households, suggesting that the decline is due to changes in the desire to spend, not tightening economic circumstances.
Journal Article

Nov 23, 2022

Saving Regret and Procrastination

Saving regret, or the wish in hindsight to have saved more earlier in life, is widespread in older populations. Little of the variation is explained by procrastination and psychological factors. Unemployment, health, and divorce are larger factors.
Commentary

Jul 9, 2020

A Tale of Two Americas

Economic pain in the United States is obvious and palpable everywhere except in the stock market. This spotlights inequality that has been increasing for decades. Undoing disparities will require firm policy commitment over many years.
Journal Article

Mar 10, 2020

Effect of Early-Stage Alzheimer's Disease on Household Financial Outcomes

Our goal in this study is estimate, on net, the financial effects of early-stage Alzheimer's Disease, from the start of first symptoms to diagnosis, on individuals and their families.
Journal Article

Sep 20, 2019

Financial Knowledge and Portfolio Complexity in Singapore

This paper reports the first analysis of older Singaporeans' financial literacy using a unique new dataset, the Singapore Life Panel (SLP®).
Commentary

Feb 11, 2019

What the Shutdown Revealed About the Fragility of American Life

The government shutdown highlighted the lack of resilience many suffer from when they encounter unexpected economic events. The median American family has been losing ground for decades. Policy responses to address this situation will be complex and difficult, but are much needed.
Commentary

Sep 2, 2016

You're Never Too Young to Plan for Retirement

Saving early for retirement is critical, but it's also important to stay on track during job changes. Younger workers tend to change jobs often, and if they cash out of their plans with each position, that can affect their long-term savings.
Report

Oct 8, 2015

Do Financial Advisers Influence Savings Behavior?

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.
Multimedia

Jul 29, 2014

6:44

RAND Behavioral Finance Forum 2014: Leveraging Behavioral Insights to Improve Financial Health

Video compilation of the 2014 Behavioral Finance (BeFi) Forum in Washington, D.C., a day-long event that included a series of topical panels on curated presentations of academic research followed by discussion by leading researchers, practitioners, and policymakers.
Infographic

May 15, 2014

Money Under the Mattress? New Findings Show Growing Rates of Unbanked Americans

The data from a survey by RAND's American Life Panel suggests that the percentage of American households with no savings or checking bank accounts is increasing.
Multimedia

Dec 17, 2013

56:46

Confidence, Overconfidence, and Retirement Planning: RAND Behavioral Finance Webinar

Presentation of results from survey data analysis that examines the role of confidence in investment behavior.
Multimedia

Aug 26, 2013

11:05

RAND Behavioral Finance Forum 2013: Improving Consumer Well-Being through Behavioral Finance

Video compilation of the 2013 Behavioral Finance (BeFi) Forum in Washington, D.C., a day-long event that included a series of topical panels on curated presentations of academic research followed by discussion by leading practitioners.

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