Asset Building
This is the first large-scale demonstration of Individual Development Accounts, with approximately 2,400 accounts opened at 13 sites across the country.
American Dream Policy Demonstration (ADD)
IDAs, Saving Taste, and Household Wealth: Evidence from the American Dream Demonstration
Huang, J. (2009). IDAs, saving taste, and household wealth: Evidence from the American Dream Demonstration (CSD Working Paper No. 09-27). St. Louis, MO: Washington University, Center for Social Development.
Age Differences in IDA Savings Outcomes: Findings From the American Dream Demonstration
Putnam, M., Sherraden, M., Zhang, L., & Morrow-Howell, N. (2008). Age differences in IDA savings outcomes: Findings from the American Dream Demonstration. Journal of Aging and Social Policy, 20(1), 45–64. doi:10.1300/J031v20n01_03
IDAs and Asset-Building Policy: Lessons and Directions
Sherraden, M. (2008). IDAs and asset-building policy: Lessons and directions (CSD Working Paper No. 08-12). St. Louis, MO: Washington University, Center for Social Development.
Diffusion of Policy Innovation: The Case of Individual Development Accounts (IDAs) as an Asset-Building Policy
Grinstein-Weiss, M., Wagner, K., & Edwards, K. (2005). Diffusion of policy innovation: The case of Individual Development Accounts (IDAs) as an asset-building policy (CSD Working Paper No. 05-08). St. Louis, MO: Washington University, Center for Social Development.
Achieving the American Dream? a Longitudinal Analysis of the Homeownership Experiences of Low-Income Households
Reid, C. K. (2005). Achieving the American dream? A longitutinal analysis of the homeownership experiences of low-income households (CSD Working Paper No. 05-20). St. Louis, MO: Washington University, Center for Social Development.
Evaluation of the American Dream Demonstration: Impacts of IDAs on Participant Savings and Asset Ownership
Mills, G. (2005). Evaluation of the American Dream Demonstration: Impacts of IDAs on participant savings and asset ownership (CSD Research Report No. 05-34). St. Louis, MO: Washington University, Center for Social Development.
ADD Implementation Assessment: Design, Implementation, and Administration of Individual Development Account Programs in the American Dream Demonstration
Adams, D. (2005). ADD implementation assessment: Design, implementation, and administration of Individual Development Account programs in the American Dream Demonstration (CSD Research Report No. 05-33). St. Louis, MO: Washington University, Center for Social Development.
Inclusion in Asset Building: Testimony for Hearing on “Building Assets for Low-Income Families” Subcommittee on Social Security and Family Policy Senate Finance Committee
Sherraden, M. (2005, April). Inclusion in asset building: Testimony for hearing on “Building Assets for Low-Income Families” before the Subcommitte on Social Security and Family Policy Senate Finance Committee (CSD Perspective No. 05-24). St. Louis, MO: Washington University, Center for Social Development.
The Impacts of the American Dream Demonstration on Savings and Asset-Building in Canada
Nares, P. (2005). The impacts of the American Dream Demonstration on savings and asset-building in Canada (CSD Report No. 05-40). St. Louis, MO: Washington University, Center for Social Development.
Hope in Concrete Form: The Downpayments on the American Dream Demonstration: Conception, Contributions, Challenges, and Consequences
Friedman, R. (2005). Hope in concrete form: The downpayments on the American Dream Demonstration: Conception, contributions, challenges, and consequences (CSD Report No. 05-37). St. Louis, MO: Washington University, Center for Social Development.
Saving in Low-Income Households: Evidence From Interviews With Participants in the American Dream Demonstration
Sherraden, M., McBride, A. M., Johnson, E., Hanson, S., Ssewamala, F., & Williams Shanks, T. (2005). Saving in low-income households: Evidence from interviews with participants in the American Dream Demonstration (CSD Report No. 05-68). St. Louis, MO: Washington University, Center for Social Development.
Financial Services and Savings: Theory and Evidence From the American Dream Demonstration
Barr, M. S. (2005). Financial services and savings: Theory and evidence from the American Dream Demonstration (CSD Report No. 05-35). St. Louis, MO: Washington University, Center for Social Development.
American Dream Demonstration Research Conference: Taking the Measure of the American Dream Demonstration
April 20, 2005, St. Louis, Missouri
Savings Outcomes of Older Adults Participating IDAs: Findings from the American Dream Demonstration
Putnam, M., Morrow-Howell, N., Zhang, L., Sherraden, M. (2004). Savings outcomes of older adults participating IDAs: Findings from the American Dream Demonstration (CSD Research Report). St. Louis, MO: Washington University, Center for Social Development.
Profile of Older Adults Participating IDAs: Findings from the American Dream Demonstration
Putnam, M., Morrow-Howell, N., Zhang, L., Sherraden, M. (2004). Profile of older adults participating IDAs: Findings from the American Dream Demonstration (CSD Research Report). St. Louis, MO: Washington University, Center for Social Development.
Saving for Microenterprise in Individual Development Accounts: Lessons From the American Dream Demonstration
Ssewamala, F. M., & Sherraden, M. (2004). Saving for microenterprise in Individual Development Accounts: Lessons from the American Dream Demonstration (CSD Report No. 04-18). St. Louis, MO: Washington University, Center for Social Development.
Evaluation of the American Dream Demonstration: Final Evaluation Report
Mills, G., Patterson, R., Orr, L., & DeMarco, D. (2004). Evaluation of the American Dream Demonstration: Final evaluation report. Cambridge, MA: Abt Associates, Inc.
Federal Policy and Asset Building
Boshara, R. (2003). Federal policy and asset building (CSD Working Paper No. 03-03). St. Louis, MO: Washington University, Center for Social Development.
Design, Implementation, and Administration of Individual Development Account Programs, Downpayments on the American Dream Policy Demonstration: A National Demonstration of Individual Development Accounts
Page-Adams, D. (2002). Design, implementation, and administration of Individual Development Account programs, downpayments on the American Dream Policy Demonstration: A national demonstration of individual development accounts (CSD Report No. 02-13). St. Louis, MO: Washington University, Center for Social Development.
Saving Performance in the American Dream Demonstration: A National Demonstration of Individual Development Accounts
Schreiner, M., Clancy, M., & Sherraden, M. (2002). Saving performance in the American Dream Demonstration: A national demonstration of Individual Development Accounts (CSD Report No. 02-15). St. Louis, MO: Washington University, Center for Social Development.
Advancing Community Development and Public Policy Through an MIS-Enhanced Network
Johnson, E., Hinterlong, J., Sherraden, M., & Moore, A. (2001). Advancing community development and public policy through an MIS-enhanced network (CSD Working Paper No. 01-4). St. Louis, MO: Washington University, Center for Social Development.
Savings Deposits, Incentive Structure, and Management Information Systems: Implications for Research on a Children and Youth Savings Account Policy Demonstration
Clancy, M., Johnson, L., & Schreiner, M. (2001). Savings deposits, incentive structure, and management information systems: Implications for research on a children and youth savings account policy demonstration (CSD Report No. CYASPD 01-01). St. Louis, MO: Washington University, Center for Social Development.
Experience in the American Dream Demonstration: Lessons for Monitoring in a Children and Youth Savings Account Policy Demonstration
Clancy, M., Johnson, L., & Schreiner, M. (2001). Experience in the American Dream Demonstration: Lessons for monitoring in a children and youth savings account policy demonstration (CSD Report No. CYSAPD 01-12). St. Louis, MO: Washington University, Center for Social Development.
Toward a Universal and Progressive Asset-Based Domestic Policy
Sherraden, M. (2001, October). Toward a universal and progressive asset-based domestic policy: Annual meeting of the Labour Party, United Kingdom (CSD Perspective No. 01-20). St. Louis, MO: Washington University, Center for Social Development.
A Framework for Financial Benefit-Cost Analysis of Individual Development Accounts at the Experimental Site of the American Dream Demonstration
Schreiner, M. (2000). A framework for financial benefit-cost analysis of Individual Development Accounts at the experimental site of the American Dream Demonstration (CSD Report No. 00-31). St. Louis, MO: Washington University, Center for Social Development.
Resources Used to Produce Individual Development Accounts in the First Two Years of the Experimental Program of the American Dream Demonstration at the Community Action Project of Tulsa County
Schreiner, M. (2000). Resources used to produce Individual Development Accounts in the first two years of the experimental program of the American Dream Demonstration at the Community Action Project of Tulsa County (CSD Report No. 00-37). St. Louis, MO: Washington University, Center for Social Development.
Asset Building Policy and Programs for the Poor
Sherraden, M. (2000). Asset building policy and programs for the poor (CSD Policy Report No. 00-32). St. Louis, MO: Washington University, Center for Social Development.
From Research to Policy: Lessons From Individual Development Accounts
Sherraden, M. (2000, May). From research to policy: Lessons from Individual Development Accounts (CSD Perspective No. 00-24). St. Louis, MO: Washington University, Center for Social Development.
The Impact of Homeownership on the Life Satisfaction of African-Americans
Scanlon, E. (1999). The impact of homeownership on the life satisfaction of African-Americans (CSD Working Paper No. 99-4). St. Louis, MO: Washington University, Center for Social Development.
Downpayments on the American Dream Policy Demonstration
Sherraden, M., Page-Adams, D., & Johnson, L. (with Scanlon, E., Curley, J., Zhan, M., Bady, A., & Hinterlong, J.). (1999). Downpayments on the American Dream Policy Demonstration (CSD Research Report No. 99-26). St. Louis, MO: Washington University, Center for Social Development.
Low-Income Homeownership Policy as a Community Development Strategy
Scanlon, E. (1998). Low-income homeownership policy as a community development strategy. Journal of Community Practice, 5(1/2), 137–154. doi:10.1300/J125v05n01_09
Individual Development Accounts (IDAs)
Individual Development Accounts (IDAs) are matched savings for particular purposes. IDAs enable low-wealth families to save and enter the financial mainstream. IDAs also provide low-income families with an opportunity to build assets and reach life goals. Like 401(k)s, where an employer matches an employee’s savings, IDAs encourage savings by offering a match on deposits (often 1:1 or […]
Financial Inclusion
In the 21st century the world is highly financialized, and income alone is not a sufficient support for millions of households. All people require access to safe financial products and services as well as sound financial knowledge. In addition, all families should be able to accumulate assets for their security and long-term development. Since its inception, CSD […]
The Impacts of Individual Development Accounts, Assets, and Debt on Future Orientation and Psychological Depression
Rohe, W. M., Key, C., Grinstein-Weiss, M., Schreiner, M., & Sherraden, M. (2017). The impacts of Individual Development Accounts, assets, and debt on future orientation and psychological depression. Journal of Policy Practice, 16(1), 24–45. doi:10.1080/15588742.2015.1125329
Effects of an Individual Development Account Program on Retirement Saving: Follow-Up Evidence From a Randomized Experiment
Grinstein-Weiss, M., Sherraden, M., Gale, W. G., Rohe, W. M., Schreiner, M., Key, C., & Oliphant, J. E. (2015). Effects of an Individual Development Account program on retirement saving: Follow-up evidence from a randomized experiment. Journal of Gerontological Social Work, 58(6), 572–589. doi:10.1080/01634372.2015.1052174
Homeownership, the Great Recession, and Wealth: Evidence From the Survey of Consumer Finances
Grinstein-Weiss, M., Key, C., & Carrillo, S. (2015). Homeownership, the Great Recession, and wealth: Evidence from the Survey of Consumer Finances. Housing Policy Debate, 25(3), 419–445. doi:10.1080/10511482.2014.971042
Financial Education and Savings Outcomes for Low-Income IDA Participants: Does Age Make a Difference?
Grinstein-Weiss, M., Guo, S., Reinertson, V., & Russell, B. (2015). Financial education and savings outcomes for low-income IDA participants: Does age make a difference? Journal of Consumer Affairs, 49(1), 156–185. doi:10.1111/joca.12061
A Cost-Benefit Analysis of Tulsa’s IDA Program: Findings From a Long-Term Follow-Up of a Random Assignment Social Experiment
Greenberg, D. (2012). A cost-benefit analysis of Tulsa’s IDA program: Findings from a long-term follow-up of a random assignment social experiment (CSD Working Paper No. 12-58). St. Louis, MO: Washington University, Center for Social Development.
Effects of an Individual Development Account Program on Retirement Saving: Follow-Up Evidence From a Randomized Experiment
Grinstein-Weiss, M., Sherraden, M., Gale, W., Rohe, W. M., Schreiner, M., & Key, C. (2012). Effects of an Individual Development Account program on retirement saving: Follow-up evidence from a randomized experiment (CSD Working Paper No. 12-54). St. Louis, MO: Washington University, Center for Social Development.
Long-Term Follow-Up of Individual Development Accounts: Evidence From the ADD Experiment
Grinstein-Weiss, M., Sherraden, M., Rohe, W. M., Gale, W., Schreiner, M., & Key, C. (2012). Long-term follow-up of Individual Development Accounts: Evidence from the ADD experiment (CSD Report 12-43). St. Louis, MO: Washington University, Center for Social Development.
Individual Development Accounts and Post-Secondary Education: Evidence From a Randomized Experiment
Grinstein-Weiss, M., Sherraden, M., Gale, W., Rohe, W. M., Schreiner, M., & Key, C. (2012). Individual Development Accounts and post-secondary education: Evidence from a randomized experiment (CSD Working Paper No. 12-21). St. Louis, MO: Washington University, Center for Social Development.
Ten-Year Impacts of Individual Development Accounts on Homeownership: Evidence From a Randomized Experiment
Grinstein-Weiss, M., Sherraden, M., Gale, W., Rohe, W. M., Schreiner, M., & Key, C. (2011). Ten-year impacts of Individual Development Accounts on homeownership: Evidence from a randomized experiment (CSD Working Paper No. 11-07). St. Louis, MO: Washington University, Center for Social Development.
Striving to Save: Creating Policies for Financial Security of Low-Income Families
Sherraden, M. S., & McBride, A. M. (with Beverly, S. G.). (2010). Striving to save: Creating policies for financial security of low-income families. Ann Arbor: University of Michigan Press.
Asset Building Among Native Hawaiians: Lessons From the Kahikū IDA Program
Rothwell, D. (2009). Asset building among Native Hawaiians: Lessons from the Kahikū IDA program (CSD Working Paper No. 09-26). St. Louis, MO: Washington University, Center for Social Development.
Second Thoughts: Who Almost Participates in an IDA?
Rothwell, D., & Han, C.-K. (2009). Second thoughts: Who almost participates in an IDA? (CSD Working Paper No. 09-25). St. Louis, MO: Washington University, Center for Social Development.
Exploring Saving Performance in an IDA for People With Disabilities: Some Preliminary Findings
Lombe, M., Huang, J., Putnam, M., & Cooney, K. (2008). Exploring saving performance in an IDA for people with disabilities: Some preliminary findings (CSD Working Paper No. 08-27). St. Louis, MO: Washington University, Center for Social Development.
Does Banking Experience Matter: Differences of the Banked and Unbanked in Individual Development Accounts
Grinstein-Weiss, M., Yeo, Y. H., Despard, M. R., & Zhan, M. (2008). Does banking experience matter: Differences of the banked and unbanked in Individual Development Accounts (CSD Working Paper No. 08-08). St. Louis, MO: Washington University, Center for Social Development.
Individual Development Accounts: Frequently Asked Questions
Grinstein-Weiss, M., & Irish, K. (2007). Individual Development Accounts: Frequently asked questions (CSD Perspective No. 07-09). St. Louis, MO: Washington University, Center for Social Development.
Can the Poor Save? Saving and Asset Building in Individual Development Accounts
Schreiner, M., & Sherraden, M. (2007). Can the poor save? Saving and asset building in Individual Development Accounts. New Brunswick, NJ: Transaction Publishers.