Taha Choukhmane


Taha Choukhmane

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Taha Choukhmane is the Class of 1947 Career Development Assistant Professor and an Assistant Professor of Finance at the MIT Sloan School of Management.

He was most recently a postdoctoral fellow at the National Bureau of Economic Research. His research interests lie at the intersection of household finance and behavioral economics, with a focus on households’ saving decisions.

Taha received his PhD in economics at Yale University, where he was awarded the George Trimis Dissertation Prize. He is the recipient of a grant from the Social Security Administration, and he was a dissertation fellow of the Boston College Center for Retirement Research and a graduate policy fellow at Yale’s Institute of Social and Policy Studies.

Current Research Focus: Choukhmane’s research focuses on the way households make their saving and investment decisions. His current research projects examine the behavior of participants in retirement savings plans: the behavioral biases that affect their investment and portfolio-allocation decisions, and the extent to which married couples coordinate their saving decisions. Another area of ongoing research explores how the design of retirement saving incentives contributes to racial wealth inequality.


"How Do Consumers Finance Increased Retirement Savings?"

Choukhmane, Taha and Christopher John Palmer, Working Paper. November 2023.

"Who Benefits from Retirement Saving Incentives in the U.S.? Evidence on Racial Gaps in Retirement Wealth Accumulation."

Choukhmane, Taha, Jorge Colmenares, Cormac O'Dea, Jonathan Rothbaum, and Lawrence D.W. Schmidt, MIT Sloan Working Paper 6592-21. Cambridge, MA: MIT Sloan School of Management, November 2023.

"The One Child Policy and Household Saving."

Choukhmane, Taha, Nicolas Coeurdacier and Keyu Jin. Journal of the European Economic Association Vol. 21, No. 3 (2023): 987–1032.

"Efficiency in Household Decision Making: Evidence from the Retirement Savings of U.S. Couples."

Choukhmane, Taha, Lucas Goodman, and Cormac O’Dea, MIT Sloan Working Paper 6139-20. Cambridge, MA: MIT Sloan School of Management, April 2023. NBER Working Paper 31195.

"Default Options and Retirement Saving Dynamics."

Choukhmane, Taha, MIT Sloan Working Paper 6134-20. Cambridge, MA: MIT Sloan School of Management, June 2021.

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How retirement saving incentives amplify wealth gaps in the U.S.

White employees receive nearly twice as much in employer and tax subsidies for retirement saving than Black and Hispanic workers.

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Ideas Made to Matter

Couples miss out when they fail to coordinate retirement benefits

Better communication between spouses could translate to saving an average of almost $700 more every year, new MIT Sloan research shows.

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