James J. Choi

Yale School of Management

135 Prospect Street

P.O. Box 208200

New Haven, CT 06520-8200

United States

National Bureau of Economic Research (NBER)

1050 Massachusetts Avenue

Cambridge, MA 02138

United States

SCHOLARLY PAPERS

41

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Scholarly Papers (41)

Does the Internet Increase Trading? Evidence from Investor Behavior in 401(K) Plans

Number of pages: 47 Posted: 20 Sep 2000
James J. Choi, David Laibson and Andrew Metrick
Yale School of Management, Harvard University - Department of Economics and Yale School of Management
Downloads 452 (60,996)

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Does the Internet Increase Trading? Evidence from Investor Behavior in 401(K) Plans

NBER Working Paper No. w7878
Number of pages: 47 Posted: 01 Sep 2000 Last Revised: 04 Oct 2014
James J. Choi, David Laibson and Andrew Metrick
Yale School of Management, Harvard University - Department of Economics and Yale School of Management
Downloads 100 (262,255)

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2.

Reinforcement Learning and Savings Behavior

Yale ICF Working Paper No. 09-01, Journal of Finance, Forthcoming
Number of pages: 33 Posted: 16 Sep 2007
Yale School of Management, Harvard University - Department of Economics, Brigham Young University Marriott School of Business and Yale School of Management
Downloads 454 (61,303)

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3.
Downloads 416 ( 68,077)

What Does Stock Ownership Breadth Measure?

Number of pages: 48 Posted: 18 Mar 2010 Last Revised: 04 Jul 2012
James J. Choi, Li Jin and Hongjun Yan
Yale School of Management, Harvard Business School - Finance Unit and DePaul University
Downloads 391 (72,627)

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Ownership breadth, short-sales constraints, heterogeneous beliefs, China

What Does Stock Ownership Breadth Measure?

NBER Working Paper No. w16591
Number of pages: 49 Posted: 13 Dec 2010
James J. Choi, Li Jin and Hongjun Yan
Yale School of Management, Harvard Business School - Finance Unit and DePaul University
Downloads 25 (498,522)

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Why Does the Law of One Price Fail? An Experiment on Index Mutual Funds

Yale ICF Working Paper No. 08-14
Number of pages: 48 Posted: 25 Apr 2008
James J. Choi, David Laibson and Brigitte C. Madrian
Yale School of Management, Harvard University - Department of Economics and Brigham Young University Marriott School of Business
Downloads 339 (85,952)

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mutual funds, S&P, index funds, fund portfolios

Why Does the Law of One Price Fail? An Experiment on Index Mutual Funds

NBER Working Paper No. w12261
Number of pages: 47 Posted: 17 Jul 2006 Last Revised: 04 Jul 2010
James J. Choi, David Laibson and Brigitte C. Madrian
Yale School of Management, Harvard University - Department of Economics and Brigham Young University Marriott School of Business
Downloads 47 (398,501)

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5.
Downloads 309 ( 95,866)

How are Preferences Revealed?

Yale ICF Working Paper No. 08-15
Number of pages: 23 Posted: 25 Apr 2008
Harvard Business School, Yale School of Management, Harvard University - Department of Economics and Brigham Young University Marriott School of Business
Downloads 270 (110,277)

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preferences, normative preferences, revealed preferences, consumer behavior

How are Preferences Revealed?

NBER Working Paper No. w13976
Number of pages: 22 Posted: 12 May 2008 Last Revised: 10 Sep 2010
Harvard Business School, Yale School of Management, Harvard University - Department of Economics and Brigham Young University Marriott School of Business
Downloads 39 (429,479)

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6.
Downloads 293 (101,538)

Informed Trading and Expected Returns

Number of pages: 46 Posted: 17 Jan 2013 Last Revised: 25 Jan 2016
James J. Choi, Li Jin and Hongjun Yan
Yale School of Management, Peking University - Department of Finance and DePaul University
Downloads 277 (107,318)

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Information asymmetry, Adverse selection, Cost of capital

Informed Trading and Expected Returns

NBER Working Paper No. w18680
Number of pages: 47 Posted: 05 Jan 2013 Last Revised: 17 Jan 2013
James J. Choi, Li Jin, Li Jin and Hongjun Yan
Yale School of Management, University of Oxford - Said Business School, Peking University - Department of Finance and DePaul University
Downloads 16 (554,936)

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The Flypaper Effect in Individual Investor Asset Allocation

Yale ICF Working Paper No. 08-06
Number of pages: 42 Posted: 25 Jan 2008
James J. Choi, David Laibson and Brigitte C. Madrian
Yale School of Management, Harvard University - Department of Economics and Brigham Young University Marriott School of Business
Downloads 219 (136,495)

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asset allocation, 401(k), employee contributions

Mental Accounting in Portfolio Choice: Evidence from a Flypaper Effect

NBER Working Paper No. w13656
Number of pages: 32 Posted: 30 Nov 2007 Last Revised: 19 Sep 2009
James J. Choi, David Laibson and Brigitte C. Madrian
Yale School of Management, Harvard University - Department of Economics and Brigham Young University Marriott School of Business
Downloads 72 (322,038)

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How Does Simplified Disclosure Affect Individuals' Mutual Fund Choices?

HKS Working Paper No. RWP09_16, Yale ICF Working Paper No. 09-05
Number of pages: 27 Posted: 08 May 2009 Last Revised: 24 Jun 2009
Harvard Business School, Yale School of Management, Harvard University - Department of Economics and Brigham Young University Marriott School of Business
Downloads 226 (132,378)

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How Does Simplified Disclosure Affect Individuals' Mutual Fund Choices?

NBER Working Paper No. w14859
Number of pages: 27 Posted: 13 Apr 2009 Last Revised: 09 Aug 2010
Harvard Business School, Yale School of Management, Harvard University - Department of Economics and Brigham Young University Marriott School of Business
Downloads 57 (364,517)

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$100 Bills on the Sidewalk: Suboptimal Investment in 401(K) Plans

Yale ICF Working Paper No. 08-05
Number of pages: 44 Posted: 16 Jan 2008
James J. Choi, David Laibson and Brigitte C. Madrian
Yale School of Management, Harvard University - Department of Economics and Brigham Young University Marriott School of Business
Downloads 202 (147,534)

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suboptimal investment, 401(k) plans, household investment, arbitrage

$100 Bills on the Sidewalk: Suboptimal Investment in 401(K) Plans

NBER Working Paper No. w11554
Number of pages: 42 Posted: 27 Sep 2005 Last Revised: 29 Jul 2010
James J. Choi, David Laibson and Brigitte C. Madrian
Yale School of Management, Harvard University - Department of Economics and Brigham Young University Marriott School of Business
Downloads 41 (421,313)

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10.
Downloads 238 (126,122)

Plan Design and 401(K) Savings Outcomes

NBER Working Paper No. w10486
Number of pages: 38 Posted: 26 May 2004 Last Revised: 28 Aug 2010
James J. Choi, David Laibson and Brigitte C. Madrian
Yale School of Management, Harvard University - Department of Economics and Brigham Young University Marriott School of Business
Downloads 131 (214,982)

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Plan Design and 401(K) Savings Outcomes

Boettner Working Paper No. BWP2004-4
Number of pages: 47 Posted: 22 Jun 2004
James J. Choi, David Laibson and Brigitte C. Madrian
Yale School of Management, Harvard University - Department of Economics and Brigham Young University Marriott School of Business
Downloads 107 (250,095)

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11.
Downloads 233 (128,864)

Social Identity and Preferences

Yale ICF Working Paper No. 08-13
Number of pages: 41 Posted: 25 Apr 2008
Daniel J. Benjamin, James J. Choi and A. Strickland
USC, Center for Economic and Social Research (CESR), Yale School of Management and affiliation not provided to SSRN
Downloads 152 (190,356)

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race, ethnicity, gender, identity, norm, stereotype, risk aversion, time preference

Social Identity and Preferences

NBER Working Paper No. w13309
Number of pages: 30 Posted: 10 Aug 2007 Last Revised: 24 Sep 2009
Daniel J. Benjamin, James J. Choi and A. Strickland
USC, Center for Economic and Social Research (CESR), Yale School of Management and affiliation not provided to SSRN
Downloads 81 (300,288)

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12.
Downloads 225 (133,345)

Simplification and Saving

Yale ICF Working Paper No. 08-07
Number of pages: 23 Posted: 25 Jan 2008
Harvard Business School, Yale School of Management, Harvard University - Department of Economics and Brigham Young University Marriott School of Business
Downloads 197 (151,045)

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retirement savings, asset allocation, 401(k)

Simplification and Saving

NBER Working Paper No. w12659
Number of pages: 35 Posted: 20 Nov 2006 Last Revised: 08 Aug 2010
Harvard Business School, Yale School of Management, Harvard University - Department of Economics and Brigham Young University Marriott School of Business
Downloads 28 (481,239)

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13.

Defined Contribution Pensions: Plan Rules, Participant Decisions, and the Path of Least Resistance

NBER Working Paper No. w8655
Number of pages: 56 Posted: 15 Dec 2001 Last Revised: 25 Oct 2010
Yale School of Management, Harvard University - Department of Economics, Brigham Young University Marriott School of Business and Yale School of Management
Downloads 188 (157,834)

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14.
Downloads 182 (162,471)

Employees' Investment Decisions About Company Stock

Rodney L. White Center for Financial Research Working Paper No. 10-04
Number of pages: 30 Posted: 08 Jul 2004
Yale School of Management, Harvard University - Department of Economics, Brigham Young University Marriott School of Business and Yale School of Management
Downloads 134 (210,993)

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Employees' Investment Decisions About Company Stock

NBER Working Paper No. w10228
Number of pages: 29 Posted: 23 Jan 2004 Last Revised: 11 Sep 2009
Yale School of Management, Harvard University - Department of Economics, Brigham Young University Marriott School of Business and Yale School of Management
Downloads 48 (394,886)

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15.

Behavioral Household Finance

NBER Working Paper No. w24854
Number of pages: 117 Posted: 01 Aug 2018
Harvard Business School, Yale School of Management, Harvard University - Department of Economics and Brigham Young University Marriott School of Business
Downloads 180 (164,126)

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16.
Downloads 177 (166,597)

Consumption-Wealth Comovement of the Wrong Sign

Number of pages: 31 Posted: 16 Apr 2004
Yale School of Management, Harvard University - Department of Economics, Brigham Young University Marriott School of Business and Yale School of Management
Downloads 162 (180,202)

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Savings, wealth shocks, retirement

Consumption-Wealth Comovement of the Wrong Sign

NBER Working Paper No. w10454
Number of pages: 31 Posted: 14 Aug 2012
Yale School of Management, Harvard University - Department of Economics, Brigham Young University Marriott School of Business and Yale School of Management
Downloads 15 (561,433)

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17.

Does Front-Loading Taxation Increase Savings? Evidence from Roth 401(K) Introductions

NBER Working Paper No. w20738
Number of pages: 44 Posted: 15 Dec 2014
Harvard Business School, Yale School of Management, Harvard University - Department of Economics and Brigham Young University Marriott School of Business
Downloads 142 (200,782)

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18.

For Better or for Worse: Default Effects and 401(K) Savings Behavior

NBER Working Paper No. w8651
Number of pages: 49 Posted: 14 Dec 2001 Last Revised: 25 Oct 2010
Yale School of Management, Harvard University - Department of Economics, Brigham Young University Marriott School of Business and Yale School of Management
Downloads 135 (209,052)

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Behavioral Economics Perspectives on Public Sector Pension Plans

HKS Working Paper No. RWP11-013
Number of pages: 47 Posted: 15 Mar 2011
Harvard Business School, Yale School of Management, Harvard University - Department of Economics and Brigham Young University Marriott School of Business
Downloads 80 (302,514)

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Behavioral Economics Perspectives on Public Sector Pension Plans

NBER Working Paper No. w16728
Number of pages: 46 Posted: 31 Jan 2011 Last Revised: 02 Feb 2011
Harvard Business School, Yale School of Management, Harvard University - Department of Economics and Brigham Young University Marriott School of Business
Downloads 28 (481,239)

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20.

Optimal Defaults and Active Decisions

NBER Working Paper No. w11074
Number of pages: 59 Posted: 18 Feb 2005 Last Revised: 07 Jan 2010
Massachusetts Institute of Technology (MIT), Yale School of Management, Harvard University - Department of Economics, Brigham Young University Marriott School of Business and Yale School of Management
Downloads 103 (255,318)

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21.

The Importance of Default Options for Retirement Savings Outcomes: Evidence from the United States

NBER Working Paper No. w12009
Number of pages: 39 Posted: 22 Apr 2006 Last Revised: 02 Jul 2009
Harvard Business School, Yale School of Management, Harvard University - Department of Economics and Brigham Young University Marriott School of Business
Downloads 101 (258,763)

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The Effect of Providing Peer Information on Retirement Savings Decisions

Journal of Finance, Forthcoming
Number of pages: 54 Posted: 30 Aug 2014
Harvard Business School, Yale School of Management, Harvard University - Department of Economics, Brigham Young University Marriott School of Business and University of Pennsylvania - The Wharton School
Downloads 60 (355,152)

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The Effect of Providing Peer Information on Retirement Savings Decisions

NBER Working Paper No. w17345
Number of pages: 56 Posted: 29 Aug 2011
Harvard Business School, Yale School of Management, Harvard University - Department of Economics, Brigham Young University Marriott School of Business and University of Pennsylvania - The Wharton School
Downloads 28 (481,239)

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Contributions to Defined Contribution Pension Plans

NBER Working Paper No. w21467
Number of pages: 31 Posted: 18 Aug 2015
James J. Choi
Yale School of Management
Downloads 87 (287,234)

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Contributions to Defined Contribution Pension Plans

Annual Review of Financial Economics, Vol. 7, pp. 161-178, 2015
Posted: 11 Dec 2015
James J. Choi
Yale School of Management

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Liquidity in Retirement Savings Systems: An International Comparison

NBER Working Paper No. w21168
Number of pages: 13 Posted: 18 May 2015
Harvard Business School, Yale School of Management, Boston College - Center for Retirement Research, Harvard University - Department of Economics and Brigham Young University Marriott School of Business
Downloads 45 (405,822)

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Liquidity in Retirement Savings Systems: An International Comparison

HKS Working Paper No. RWP15-024
Number of pages: 13 Posted: 03 Jun 2015
Harvard Business School, Yale School of Management, Boston College - Center for Retirement Research, Harvard University - Department of Economics and Brigham Young University Marriott School of Business
Downloads 26 (492,517)

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Retirement, liquidity, savings, finance

Following Through on Good Intentions: The Power of Planning Prompts

HKS Working Paper No. 12-024
Number of pages: 24 Posted: 30 Mar 2012 Last Revised: 19 Jun 2012
University of Pennsylvania - The Wharton School, Harvard Business School, Yale School of Management, Harvard University - Department of Economics and Brigham Young University Marriott School of Business
Downloads 54 (374,299)

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behavioral economics, implementation intentions, health, colonoscopy, planning

Following Through on Good Intentions: The Power of Planning Prompts

NBER Working Paper No. w17995
Number of pages: 23 Posted: 14 Apr 2012
University of Pennsylvania - The Wharton School, Harvard Business School, Yale School of Management, Harvard University - Department of Economics and Brigham Young University Marriott School of Business
Downloads 7 (614,600)

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26.

Religious Identity and Economic Behavior

NBER Working Paper No. w15925
Number of pages: 33 Posted: 26 Apr 2010 Last Revised: 17 Nov 2010
Daniel J. Benjamin, James J. Choi and Geoffrey Fisher
USC, Center for Economic and Social Research (CESR), Yale School of Management and Cornell University
Downloads 61 (347,405)

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27.

Passive Decisions and Potent Defaults

NBER Working Paper No. w9917
Number of pages: 26 Posted: 29 Aug 2003 Last Revised: 04 Nov 2010
Yale School of Management, Harvard University - Department of Economics, Brigham Young University Marriott School of Business and Yale School of Management
Downloads 55 (365,312)

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Randomizing Religion: The Impact of Protestant Evangelism on Economic Outcomes

NBER Working Paper No. w24278
Number of pages: 78 Posted: 21 Feb 2018
Gharad Bryan, James J. Choi and Dean Karlan
London School of Economics & Political Science (LSE) - Department of Economics, Yale School of Management and Northwestern University
Downloads 30 (470,697)

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Randomizing Religion: The Impact of Protestant Evangelism on Economic Outcomes

Buffett Institute Global Poverty Research Lab Working Paper No. 18-104
Number of pages: 78 Posted: 26 Feb 2018
Gharad Bryan, James J. Choi and Dean Karlan
London School of Economics & Political Science (LSE) - Department of Economics, Yale School of Management and Northwestern University
Downloads 24 (504,502)

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religion, economics, poverty

Randomizing Religion: The Impact of Protestant Evangelism on Economic Outcomes

CEPR Discussion Paper No. DP12810
Number of pages: 80 Posted: 26 Mar 2018
Gharad Bryan, James J. Choi and Dean S. Karlan
London School of Economics & Political Science (LSE) - Department of Economics, Yale School of Management and Yale University
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economics, poverty, religion

29.

The Impact of Employer Matching on Savings Plan Participation Under Automatic Enrollment

NBER Working Paper No. w13352
Number of pages: 24 Posted: 27 Aug 2007 Last Revised: 03 Aug 2010
Harvard Business School, Yale School of Management, Harvard University - Department of Economics and Brigham Young University Marriott School of Business
Downloads 49 (384,473)

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30.

Self Control and Commitment: Can Decreasing the Liquidity of a Savings Account Increase Deposits?

NBER Working Paper No. w21474
Number of pages: 55 Posted: 25 Aug 2015 Last Revised: 08 Sep 2015
Harvard Business School, Yale School of Management, University of Cambridge - Department of Applied Economics, Harvard University - Department of Economics, Brigham Young University Marriott School of Business and University of Chicago - Booth School of Business
Downloads 47 (391,415)

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31.
Downloads 47 (391,415)

Small Cues Change Savings Choices

Number of pages: 52 Posted: 19 Mar 2012
Yale School of Management, Independent, Independent and University of Pennsylvania - The Wharton School
Downloads 35 (446,935)

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anchoring, goal setting, retirement savings, 401(k), household finance

Small Cues Change Savings Choices

NBER Working Paper No. w17843
Number of pages: 48 Posted: 20 Feb 2012
Yale School of Management, Independent, Independent and University of Pennsylvania - The Wharton School
Downloads 12 (581,076)

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32.

Does Aggregated Returns Disclosure Increase Portfolio Risk-Taking?

NBER Working Paper No. w16868
Number of pages: 47 Posted: 14 Mar 2011
Harvard Business School, Yale School of Management, Harvard University - Department of Economics and Brigham Young University Marriott School of Business
Downloads 44 (401,864)

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33.

Reducing the Complexity Costs of 401(K) Participation Through Quick Enrollment(Tm)

NBER Working Paper No. w11979
Number of pages: 36 Posted: 20 Apr 2006 Last Revised: 26 Sep 2010
James J. Choi, David Laibson and Brigitte C. Madrian
Yale School of Management, Harvard University - Department of Economics and Brigham Young University Marriott School of Business
Downloads 43 (405,517)

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34.

What Makes Annuitization More Appealing?

NBER Working Paper No. w18575
Number of pages: 43 Posted: 30 Nov 2012 Last Revised: 15 Dec 2012
Harvard Business School, Yale School of Management, Harvard University - Department of Economics, Brigham Young University Marriott School of Business and Columbia Business School - Finance and Economics
Downloads 42 (409,170)

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The Availability and Utilization of 401(K) Loans

HKS Working Paper No. RWP11-023
Number of pages: 36 Posted: 14 Jun 2011
Harvard Business School, Yale School of Management, Harvard University - Department of Economics and Brigham Young University Marriott School of Business
Downloads 26 (492,517)

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retirement economics, 401(k) loans, employment benefits

The Availability and Utilization of 401(K) Loans

NBER Working Paper No. w17118
Number of pages: 36 Posted: 12 Jun 2011
Harvard Business School, Yale School of Management, Harvard University - Department of Economics and Brigham Young University Marriott School of Business
Downloads 16 (554,936)

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36.

Who Uses the Roth 401(K), and How Do They Use it?

NBER Working Paper No. w19193
Number of pages: 33 Posted: 03 Jul 2013
Harvard Business School, Yale School of Management, Harvard University - Department of Economics and Brigham Young University Marriott School of Business
Downloads 34 (440,855)

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37.

Early Decisions: A Regulatory Framework

NBER Working Paper No. w11920
Number of pages: 28 Posted: 01 Jun 2006 Last Revised: 29 Jul 2010
Harvard Business School, Yale School of Management, Harvard University - Department of Economics and Brigham Young University Marriott School of Business
Downloads 33 (445,063)

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38.

Using Implementation Intentions Prompts to Enhance Influenza Vaccination Rates

NBER Working Paper No. w17183
Number of pages: 27 Posted: 05 Jul 2011
University of Pennsylvania - The Wharton School, Harvard Business School, Yale School of Management, Harvard University - Department of Economics and Brigham Young University Marriott School of Business
Downloads 21 (506,238)

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39.

What Matters to Individual Investors? Evidence from the Horse's Mouth

NBER Working Paper No. w25019
Number of pages: 59 Posted: 17 Sep 2018
James J. Choi and Adriana Robertson
Yale School of Management and University of Toronto - Faculty of Law
Downloads 19 (517,662)
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40.

Borrowing to Save? The Impact of Automatic Enrollment on Debt

NBER Working Paper No. w25876
Number of pages: 47 Posted: 28 May 2019
Harvard Business School, Yale School of Management, Harvard University - Department of Economics, Brigham Young University Marriott School of Business and Mason School of Business, College of William & Mary
Downloads 13 (552,460)

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41.

Active Choice, Implicit Defaults, and the Incentive to Choose

NBER Working Paper No. w25473
Number of pages: 41 Posted: 23 Jan 2019
Harvard Business School, Yale School of Management, Harvard University - Department of Economics and Brigham Young University Marriott School of Business
Downloads 12 (558,328)

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