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
Primary tabs
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
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.
September 2020
The complexity of health and retirement benefit plan offerings can make it difficult for employees to make optimal decisions.
June 2020
Poor financial capability can contribute to a host of problems, particularly for people close to retirement.
June 2020
Behavioral prompts that encourage reflection on goals and future needs can have significant effects on asset allocation decisions and expected returns.
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.
April 2021
The number of older Americans has risen dramatically in recent decades, and they are taking increasing responsibility for managing their accumulated wealth.
March 2021
Many people have only a vague notion of the concept of longevity risk, which in turn implies they are likely to save too little for retirement and have a low demand for longevity insurance products.
March 2021
What makes a market for annuity contracts successful, and what are the key demand and supply constraints that affect the performance of such a market?