Cyndy Pagliaro

Senior Retirement Research Analyst

Cynthia Pagliaro is a senior research analyst with the Vanguard Center for Investor Research. The Center conducts and sponsors research on investor behavior and decision-making. It also works to apply behavioral insights to real-world settings. The Center’s scope includes individual investors (whether direct, advised, or in defined contribution plans) and institutional investors. The Center's work will be of interest to investors, advisors, consultants, employers, media, the research community, and policymakers.

Her current research interests include the changing nature of defined contribution plan investment menus; the role of diversity in retirement decision-making; the impact of the internet and other electronic interventions on household saving and investment choices; and the value of advice on retirement savings and investment decisions.

Ms. Pagliaro joined Vanguard in 2004 as a Six Sigma Master Black Belt in the Vanguard Center for Excellence. She earned a B.S. in mathematics and an M.S. in applied statistics from Villanova University.

Ms. Pagliaro is a senior research analyst with Vanguard Center for Investor Research. Her current research interests include the changing nature of defined contribution plan investment menus; the role of diversity in retirement decision-making; the impact of the internet and other electronic interventions on household saving and investment choices; and the value of advice on retirement savings and investment decisions.

RECENT ARTICLES

Choice architecture and participant investment decisions

May 14, 2018

The way sponsors design defined contribution plans can help reduce costs and risk exposure for participants.

Indexing in defined contribution plans 2006 to 2016

May 23, 2017

In a Vanguard research paper, authors Cynthia A. Pagliaro and Stephen P. Utkus explore the reasons behind the increase of defined contribution plan assets invested in index options and the implications for plan sponsors.

Reenrollment: One year later

February 06, 2017

In an update to their earlier research, Steven Utkus and Cynthia Pagliaro revisit a participant population to discover if investment defaults remain "sticky" or if the effects of reenrollment erode over time.

A different kind of target-date investor

January 30, 2017

In this research paper, Vanguard Center for Investor Research examines mixed target-date investors, determines if these investors are taking on additional risk in their portfolios, and suggests measures to avoid such risks.

RECENT ARTICLES

Choice architecture and participant investment decisions

May 14, 2018

The way sponsors design defined contribution plans can help reduce costs and risk exposure for participants.

Indexing in defined contribution plans 2006 to 2016

May 23, 2017

In a Vanguard research paper, authors Cynthia A. Pagliaro and Stephen P. Utkus explore the reasons behind the increase of defined contribution plan assets invested in index options and the implications for plan sponsors.

Reenrollment: One year later

February 06, 2017

In an update to their earlier research, Steven Utkus and Cynthia Pagliaro revisit a participant population to discover if investment defaults remain "sticky" or if the effects of reenrollment erode over time.

A different kind of target-date investor

January 30, 2017

In this research paper, Vanguard Center for Investor Research examines mixed target-date investors, determines if these investors are taking on additional risk in their portfolios, and suggests measures to avoid such risks.

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