New insights for improving financial well-being
The 2024 TIAA Institute-GFLEC Personal Finance Index
From longevity literacy to longevity fitness
Our society is transforming, and fast. The biggest challenge—and the biggest opportunity—will be helping people improve not just the length of their lives, but also the extent of their health and wealth.
Most people share similar plans for retirement, but readiness varies widely by race and ethnicity
A new report from the TIAA Institute and Ipsos examines Americans’ financial preparedness across demographic groups.
Toward an employee value proposition (EVP) in the healthcare sector
Healthcare faces a difficult recruiting and retention environment. Consistent with current turnover experience, 21% of full-time hospital and healthcare system employees are at risk of turnover within the next two years.
TIAA Institute Reports
Original research produced by the TIAA Institute—both independently and in collaboration with noted scholars—examines topics of interest to the academic, nonprofit and public sectors. The reports combine statistical findings with thoughtful, data-driven observations and conclusions to provide in-depth analyses appropriate for both technical and general audiences.
Do additional dollars buy engagement? Effects of monetary incentives on attending financial aid counseling for at-risk students
Many university students struggle financially to remain enrolled in school, particularly those from less-wealthy families. Financial counseling can make a notable difference.
Estimating the effect of employer matching contributions offsetting student loan debt
The U.S. student loan market plays a crucial role in enabling individuals to pursue higher education, but for many borrowers it also leads to substantial debt.
New insights into improving financial well-being
The concept of financial wellbeing is subject to different definitions and interpretations, and there can be significant differences between individuals’ perceptions of their financial wellbeing and objective quantifiable measures.
Financial Fragility, Financial Resilience, and Pension Distributions
Does planning for economic shocks, saving for short-term emergencies, and enhancing financial knowledge, reduce the likelihood of becoming financially fragile?
How do life events affect retirement timing?
The timing of retirement is a major determinant of financial security. Yet workers’ actual retirement timing may be different than their expected time of retirement.
Retirement, Social Security deferral, and life annuity demand
Individuals do not annuitize their retirement income to the extent that economic models based on consumption-smoothing predict they should. Are retirees making suboptimal choices driven by behavioral biases, or do standard economic models simply do a poor job of capturing people’s preferences?
