Financial Literacy

Financial Literacy icon
Financial capability improves retirement outcomes

Financial literacy is as important as schooling in building wealth and retirement income. The TIAA Institute focuses on such issues as the importance of financial literacy, the financial literacy of all Americans, as well as special groups such as Hispanics, women and Gen Y. 

Learn about our new P-Fin Index here: Financial Literacy in the United States and Its Link to Financial Wellness: The 2019 TIAA Institute-GFLEC P-Fin Index

TIAA Institute 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 general audiences.

October 2021

Are U.S adults at all ages equipped to meet common financial challenges?

April 2021

The number of older Americans has risen dramatically in recent decades, and they are taking increasing responsibility for managing their accumulated wealth.

April 2021

Financial well-being and literacy in the midst of a pandemic

 

COVID-19 has underlined the importance of possessing financial knowledge and skills—and having a financial cushion to weather the unexpected.

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?

February 2021

As policymakers, financial services firms and individuals turn their attention to the decumulation phase of retirement saving, annuities are gaining renewed interest.

February 2021

There is mounting evidence of minorities’ financial struggles and persistent wealth gaps compared to whites, along with substantial gender differences in indicators of financial wellness.

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.

August 2020

As the U.S. moves through and past the Covid-19 pandemic, individuals will strive to rebuild their financial resilience. Many will turn to their employers for help.