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

April 2018

Poor financial capability in old age can have serious repercussions, causing people to make mistakes with credit, draw down retirement assets too quickly, and fall victim to financial predators.

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.

Research Reports

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.

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.