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
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.
December 2020
Recognizing households’ needs for flexibility, while discouraging overconsumption, how much liquidity should be built into a socially optimal savings system?
November 2020
Many Americans are functioning in today’s environment with a poor level of financial literacy. This is more true among women than men, and more true among underrepresented minority women than their white peers.
September 2020
The complexity of health and retirement benefit plan offerings can make it difficult for employees to make optimal decisions.