Sudipto Banerjee, Ph.D.

Sudipto BanerjeeResearch Associate
Employee Benefit Research Institute
Washington, DC
(202) 775-6306, FAX (202) 775-6312

Sudipto Banerjee is a Research Associate with the Employee Benefit Research Institute (EBRI). He joined EBRI in 2011. His research focuses on economic aspects of retirement. He has documented the expenditure patterns of elderly Americans. His research has shown how different types of expenditure change with age and what factors affect these changes. He has also documented how nursing home stay affects the asset holdings of elderly Americans. His article "Can the Risk of Medical Expenditure Explain the Wealth Trajectories of Elderly Singles?" was published in the inaugural issue of The Journal of Retirement.

Another line of Dr. Banerjee's research focuses on workplace retirement plans. Using private administrative data his research has shown how plan design affects annuitization behavior in defined benefit (DB) plans and how ignoring plan design results in overestimation of annuitization in DB plans. He has also documented disposition of defined contribution (DC) account balances at the time of job separation and factors influencing such decisions.

Dr. Banerjee has also done research on Financial Literacy. His research has shown how Financial Literacy and Financial Behavior vary across states in the United States and identified the geographic patterns in Financial Literacy and Financial Behavior and the role of the state of residence in Financial Literacy and Financial Behavior scores.

He has been quoted or his work has been cited in publications as the Wall Street Journal, Huffington Post, Forbes and U.S. News and World report. He has also written guest columns for PBS and Huffington Post.

Dr. Banerjee completed his undergraduate work in Economics (with Honors) from Presidency College, India and obtained his Ph.D. in economics from The Ohio State University. He previously worked as a retail asset risk manager at ICICI Bank, India.