Converting Assets to Income
The TIAA Institute examines how annuitization may provide a way for individuals to achieve lifetime income, turning their retirement savings into an income stream that can last a lifetime.
Behavioral Finance
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The psychology of decision making
How information is presented, or “framed,” and other personal biases affect decision-making. The TIAA Institute focuses on such issues as how to motivate people to make decisions about when to claim Social Security, whether or not to annuitize, and how to save for retirement.
Events
2016 TIAA Paul A. Samuelson Award Ceremony
The Samuelson Award recognizes economic research that helps advance Americans’ lifelong financial well-being.
Insights
February 2018
Procrastination keeps employees at the default contribution rate, but only in “opt-out” plans.
May 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.
November 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.
Research Reports
February 2018
Procrastination keeps employees at the default contribution rate, but only in “opt-out” plans.
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.
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.