Lifetime Income & Retirement Security

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Achieving retirement income security

The TIAA Institute explores how people can create lifetime guaranteed income, focusing on such issues as retirement income strategies, converting savings into retirement income, what factors influence retirement savings choices, and how people can be encouraged to make better decisions. 

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.

January 2021

How will COVID-19 affect retirement patterns among senior faculty and how can institutions respond?

October 2020

Many healthcare sector employees have made changes to their retirement saving and investments since the onset of COVID-19. Nonetheless, confidence in the amount they are saving and in the investment of their savings has been shaken.

September 2020

The complexity of health and retirement benefit plan offerings can make it difficult for employees to make optimal decisions.

 
 

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.

January 2021

The starting age for required minimum distributions from tax-qualified retirement plans was raised in 2019 from 70.5 to 72. How might this change affect household financial behavior?

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.