Ms. Pagliaro is a senior research analyst with Vanguard Center for Retirement Research. Her current research interests include the changing nature of DC plan investment menus; the relationship between active and passive investment offerings and participant portfolios; the role of diversity in retirement decision-making; and the impact of the internet and other electronic interventions on household saving and investment choices.

Ms. Pagliaro joined Vanguard in 2004 and earned a Six Sigma Master Black Belt in Vanguard Center for Excellence.

She earned a B.S. in mathematics and an M.S. in applied statistics from Villanova University.

Behavioral effects and indexing for participants

February 27, 2014

Indexing in DC plans has increased sharply. In light of this trend, this retirement research paper explores participant behavioral mechanisms and how plan menu decisions can affect the cost and active risk exposure of an entire plan.

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Indexing in defined contribution plans, 2004-2012

August 16, 2013

Driven almost exclusively by the addition of index target-date options to investment menus, indexing in Vanguard-administered DC plans has increased sharply in recent years.

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Diversity research clarifies plan issues, offers solutions

January 09, 2013

To help inform plan sponsors about the differences in savings and investment behavior among participants of different race and ethnicity, the Vanguard Center for Retirement Research completed a trilogy of research papers on DC plans.

Diversity and defined contribution plans: Loans and hardship withdrawals

April 17, 2012

Our researchers sampled seven large defined contribution plans to look for differences among blacks, Hispanics, whites, and Asians for hardship withdrawals and loans. This paper contains their findings.

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