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

April 2016

Retirement-income products often try to achieve multiple conflicting goals, including guaranteed income, inflation protection, liquidity, asset growth and estate potential.

March 2016

Today, some 70% of faculty at U.S. institutions hold full- or part-time nontenure-track positions, and a return to the days of a largely tenure-track faculty is highly unlikely. What’s less clear is what future faculty models should look like.

December 2015

As employer-sponsored savings vehicles, like 401(k)s, become a major source of retirement income for millions of Americans, personal biases can have an outsized impact on retirement security.