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Author:Neelakantan, Urvi 

Briefing
Should More Student Loan Borrowers Use Income-Driven Repayment Plans?

Richmond Fed Economic Brief , Volume 21 , Issue 20

Briefing
How Couples Approach Portfolio Allocation

The classical theory of household portfolio allocation finds that the share of household wealth invested in risky assets is independent of the level of household wealth. However, this prediction is at odds with empirical observations. This Economic Brief presents findings that reconcile the two. A model in which a household's portfolio allocation reflects the preferences of both spouses, adjusted for the bargaining power of each spouse, predicts that the wealthier a household becomes, the greater the share of its wealth will be invested in risky assets.
Richmond Fed Economic Brief , Issue February

Briefing
The Role of Demographics and Incarceration in Mortality Risk

Richmond Fed Economic Brief , Volume 21 , Issue 37

Briefing
Expanding the Scope of Workforce Development

Workforce development efforts often are geared toward adult workers. But examining workforce development from the perspective of human capital theory suggests that earlier interventions may yield high returns.
Richmond Fed Economic Brief , Issue May

Briefing
The Prevalence of Apprenticeships in Germany and the United States

The educational systems and labor markets of Germany and the United States take different approaches to preparing young people for the workforce. One feature of Germany's workforce development model that has been of interest to policymakers in the United States is the important role played by employer-financed apprenticeships. The United States instead relies mainly on comprehensive general education, with career training largely taking place in community colleges and other postsecondary institutions. Research has pointed to several factors that may foster apprenticeships in Germany to a ...
Richmond Fed Economic Brief , Issue Aug

Briefing
Slowing Growth in Educational Attainment

Research suggests the economy's demand for college-educated workers exceeds the supply, which might be contributing to slower economic growth. Improving students' preparation at the K-12 level could both increase the college completion rate and help those who are not college-bound choose the best paths for themselves.
Richmond Fed Economic Brief , Issue July

Briefing
Portfolios Across the U.S. Wealth Distribution

In this article, we examine how household portfolios vary with wealth, age and race. Households in the middle of the wealth distribution hold most of their wealth as real estate, while wealthier households are more heavily invested in stocks and private business equity. As households age, they repay education loans and other debt and accumulate real estate and (to a lesser extent) financial assets. We find that Black households hold considerably less home equity, stocks and business equity. This can be explained (statistically) by lower levels of total wealth and by differences in age and ...
Richmond Fed Economic Brief , Volume 23 , Issue 39

Briefing
A More Comprehensive Measure of the Black-White Wealth Gap

In this article, we apply a simple graphical device — the plot of the relative rank distribution — to summarize the Black-White wealth gap. We also introduce the relative rank Gini coefficient — an analog to the standard Gini coefficient — as a summary measure of rank inequality. We find that the rank wealth gap is widest in the middle of the wealth distribution. Black-White rank wealth gaps are higher among college graduates than among other education groups. Households with young or retired heads have higher rank gaps than middle-aged households. We caution that rank gaps are not ...
Richmond Fed Economic Brief , Volume 22 , Issue 17

Working Paper
Incarceration, Earnings, and Race

Working Paper , Paper 21-11`

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