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.
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.
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.
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.
November 05, 2012
Vanguard research indicates that automatic enrollment may help reduce racial and ethnic disparities in defined contribution plan account balances, but that further steps are needed to generate sufficient retirement savings for all participants.
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.