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Personal Savings

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Report
Do Financial Advisers Influence Savings Behavior?
Financial advisers can play an important role with helping individuals make better financial decisions and improving their financial situations. But does working with a financial adviser improve savings behavior, particularly saving for retirement?
Nov 20, 2015
Essay
What Would It Take to Close America's Black-White Wealth Gap?
White Americans hold ten times more total wealth than Black Americans, a disparity that has worsened in recent decades. RAND researchers modeled wealth across millions of households and tested several funding scenarios to see which could most effectively close the gap.
May 9, 2023

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Journal Article
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.
Nov 23, 2022
Commentary
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.
Jul 9, 2020
Journal Article
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.
Mar 10, 2020
Journal Article
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®).
Sep 20, 2019
Blog
Shutdown, Hezbollah, Border Wall: RAND Weekly Recap
This weekly recap focuses on Americans' financial fragility, Hezbollah in Venezuela, assessing the effectiveness of a border wall, and more.
Feb 15, 2019
Commentary
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.
Feb 11, 2019
Commentary
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.
Sep 2, 2016
Multimedia
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.
Jul 29, 2014
Infographic
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.
May 15, 2014
Report
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.
Dec 17, 2013
Multimedia
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.
Aug 26, 2013
Dissertation
Three Essays on the Labor Supply, Savings and Investment Behavior of Older Workers
Provides three distinct analyses addressing labor supply, saving and investment behavior of older workers, in the context of the incentives and constraints they face due to employer and government policies.
Oct 18, 2012
Multimedia
RAND Behavioral Finance Forum 2012: The Promise and Challenge of Evidence-Based Policy and Practice
Video compilation of the 2012 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, and featuring keynote speakers Michael Barr and Dan Ariely.
Aug 29, 2012
Dissertation
Saving for the Future: Trends, Patterns and Decision-Making Processes Among Young Americans
Explores financial decision-making and outcomes among young adults in the United States in order to inform policies that promote saving and financial security.
Aug 9, 2012
Journal Article
Personal Retirement Accounts and Saving
Aging populations are leading countries worldwide to social security reforms. Many countries are moving from pay-as-you-go to personal retirement account (PRA) systems because of their financial sustainability and positive impact on private savings.
Nov 1, 2011
Report
Conference Highlighted New Ideas to Help Consumers Make Better Financial Decisions
These videos offer presentations from
Oct 20, 2011
Multimedia
Financial Literacy Conference Addresses Retirement Planning, Better Decisionmaking
At the first annual conference of the Financial Literacy Research Consortium, scholars discussed how programs, educational products, and policies can best promote financial planning and security. Videos from the presentations are available on rand.org.
Nov 18, 2010
News Release
New Study Links a Couple's Higher Numeracy Skills with Greater Family Wealth
Couples who score well on a simple test of numeracy ability accumulate more wealth by middle age than couples who score poorly on such a test.
Nov 9, 2010
News Release
Latest Developments in Financial Literacy Are Focus of Major Conference in Washington, D.C.
A conference highlighting the latest developments in improving the financial literacy of the American public is being held Nov. 18 and 19 in Washington D.C. by the Financial Literacy Center and the U.S. Social Security Administration.
Oct 25, 2010

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RAND Topic:
Personal Savings

Topic Synonyms:
Nest Egg;
Reserve Fund

Research conducted by