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. 

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.

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.

January 2021

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

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?

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

Lifecycle funds, an auto-diversified target-date fund with an age-based glide path, are the investment of choice in an increasing share of participants.

 
 
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

Even with all the theoretical reasons to purchase life annuities, few retirees do so. What role do emotions and social norms play in annuity product uptake?