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

Also produced by the TIAA Institute, Insights features reports addressing prominent issues in financial security, higher education, and philanthropy. While typically written for a primarily non-technical audience, Insights are prepared using the same level of academic rigor found in our other research publications, and can serve as valuable sources of information for a diverse group of readers.

August 2019

Can financial advice serve as an effective substitute for financial literacy? It all depends on the investor.

June 2019

Opportunities to borrow increased considerably in the U.S. over the past few decades, and many Americans today are approaching retirement with high levels of debt.

June 2019

When making financial decisions under uncertain conditions, do people actually behave as widely used theories predict?

Research 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 that are informative and appropriate for both technical and more academic audiences.

August 2019

Can financial advice serve as an effective substitute for financial literacy? It all depends on the investor.

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.

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?