Asset Building

CSD is a leading academic center of theory and research on asset-building strategies for low-income, low-asset populations. Few institutional structures for wealth accumulation are available to the poor. CSD has focused on developing savings and asset accumulation mechanisms that are inclusive of the whole population. Central to this work has been the design and testing of assisted savings plans in the form of Individual Development Accounts (IDAs) and Children's Savings Accounts (CSAs). CSD is engaged in a large-scale demonstration of a universal, progressive CSA policy. The underlying vision of the asset building program is of an expanding economic pie, wherein all members of society can achieve greater personal wealth and contribute to greater economic productivity in the nation.

Theoretical Background & Research Questions
Strategic Plan for CSD's Work in Asset Building