Our Research

Commonwealth conducts original qualitative and quantitative research with financially vulnerable people—including Black, Latinx, and women-led households who disproportionately experience financial insecurity. We also interview industry experts and academics. We take what we learn and translate findings into actionable insights and practical solutions designed to change systems to work better for financially vulnerable people. We work with community groups, employers, financial services firms, fintechs, policymakers, and workplace solution providers to design and test real-world, practical solutions that not only work for individuals and families, but are also scalable and address the business needs of our partners.

We share the results of our work to provide you with innovative ideas, practical insights, and the tools you need to act. Explore our publications below.

Featured

Parents and Caregivers Saving for Today and the Future

How plan sponsors and service providers can support the short and long-term financial security of caregivers in the workplace

Leveraging Tax Refunds to Encourage Saving

Policy-makers from both sides of the political aisle are actively seeking ways to encourage retirement saving among middle- and low-income households. A growing body of evidence suggests that making it easy for these families to save, and presenting them with…

Tax-Refund Splitting as an Asset-Building Tool

The trend towards promoting asset accumulation among the poor has been gaining steam in recent years due to the emphasis on asset-building as a means to lift the poor out of poverty. This trend is a result of greater focus…

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