Cynthia Pagliaro

Cynthia Pagliaro is a senior research analyst with the Vanguard Center for Investor Research. The center conducts and sponsors research on investor behavior and decision-making. It also works to apply behavioral insights to real-world settings. The center’s scope includes individual investors (whether direct, advised, or in defined contribution plans) and institutional investors. The center's work will be of interest to investors, advisors, consultants, employers, media, the research community, and policymakers.

Her current research interests include the changing nature of defined contribution plan investment menus; the role of diversity in retirement decision-making; the impact of the internet and other electronic interventions on household saving and investment choices; and the value of advice on retirement savings and investment decisions.

Ms. Pagliaro joined Vanguard in 2004 as a Six Sigma Master Black Belt in the Vanguard Center for Excellence. She earned a B.S. in mathematics and an M.S. in applied statistics from Villanova University.

Recent posts

Visit institutional.vanguard.com to obtain a prospectus, which contains investment objectives, risks, charges, expenses, and other information; read and consider it carefully before investing.

Investments in bond funds are subject to interest rate, credit, and inflation risk.

Diversification does not ensure a profit or protect against a loss.

Foreign investing involves additional risks including currency fluctuations and political uncertainty.

Stocks of companies in emerging markets are generally more risky than stocks of companies in developed countries.

All investing is subject to risk, including the possible loss of the money you invest.

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