Policymakers

Informing public policy

The TIAA Institute provides actionable, objective research and insights to inform policymakers and others who influence our nation’s financial security. Institute research is having a direct affect on matters relating to financial security and retirement. 

Insights

December 2017

Economists typically gauge the value of financial education by examining how it affects consumer behaviors. But the best financial choices for consumers depend on a mix of objective facts and subjective judgments – and one size rarely fits all.

June 2017

The story of a generation drowning in debt is misleading for a number of reasons. This report looks at the landscape of student debt in the U.S. as well as trends and innovative approaches in private funding of higher education.

June 2017

To preserve retirement wealth, IRAs and employer-sponsored defined contribution plans typically impose a penalty on early withdrawals. How might individuals respond if the penalty were lifted?

Research Reports

May 2017

Compared to the private sector, the retirement-saving landscape in the public sector is much more complex, as exemplified by North Carolina’s public school districts.

October 2016

Performance funding applies financial incentives to higher education, tying a portion of public institutions’ state appropriations to retention rate, degree completion and other student outcomes.

June 2016

More than 30 million Americans are projected to retire in the next decade – and most have not saved nearly enough for retirement. Moreover, almost half of all Social Security recipients claim benefits at the earliest possible age (62), which can greatly reduce their total lifetime benefits.