Archive: Francis M. Vitagliano

Concentrated young entrepreneur woman using her digital tablet while standing in the office

Do Young Adults with Student Debt Save Less for Retirement?

Issue Brief by , , and

June 26, 2018

The brief’s key findings are: Student debt nearly tripled in real terms from 2005 to 2017, creating a financial burden that could potentially hamper retirement saving by young adults. The analysis looked at the impact of student debt on 401(k) participation and assets for young workers who attended college, both graduates and non-graduates. The results…

Hand holding coins in birds nest.

How Does Student Debt Affect Early-Career Retirement Saving?

Working Paper by , , and

September 15, 2016

Abstract This paper examines the relationship between student loans and retirement saving by 30-year-old workers.  Total outstanding student loan debt in the United States has quintupled since 2004.  Rising student debt levels mean that young workers must reduce either their consumption or their saving.  To what extent do these workers cut back on retirement saving? …

Do Catch-Up Contributions Increase 401(k) Saving?

Issue Brief by , , , and

July 7, 2015

Publications

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Do Tax Incentives Increase 401(k) Retirement Saving? Evidence from the Adoption of Catch-Up Contributions

Working Paper by , , and

November 20, 2014
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Will Regulations to Reduce IRA Fees Work?

Issue Brief by , , and

February 19, 2013
A glass jar full of coins and plant growing through it with some coins and plant leaves.

The Economic Implications of the Department of Labor’s 2010 Proposals for Broker-Dealers

Working Paper by , , and

February 19, 2013
Senior woman doing finances at home

Reducing Costs of 401(k) Plans with ETFs and Commingled Trusts

Issue Brief by , , and

July 6, 2010
Senior woman doing finances at home

Should You Convert a Traditional IRA Into a Roth IRA?

Issue Brief by and

March 10, 2010
elderly man inserting credit card to ATM

Fees and Trading Costs of Equity Mutual Funds in 401(k) Plans and Potential Savings from ETFs and Commingled Trusts

Working Paper by , , and

November 19, 2009
A glass jar full of coins and plant growing through it with some coins and plant leaves.

The Structure of 401(k) Fees

Issue Brief by , , and

February 12, 2009
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Learning by Teaching

Issue Brief by , , and

May 1, 2006
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Why are Healthy Employers Freezing their Pensions?

Issue Brief by , , , and

March 1, 2006