Financial literacy and retirement fluency in America
Findings from the 2025 TIAA Institute-GFLEC Personal Finance Index
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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 appropriate for both technical and general audiences.
Do misperceptions about Medicare coverage explain low demand for long-term care insurance?
The need for long-term care is rising, posing a significant financial risk for elderly individuals and their families.
Evaluating the effectiveness of financial coaching
A large majority of U.S. households live paycheck to paycheck. Does financial coaching help people improve their financial capability?
Macro-trends impacting the evolution of higher education
Higher education institutions face strong headwinds, despite the substantial earnings premium associated with a post-secondary degree.
Retirement savings to retirement income: 401(k) participant perspectives
Few 401(k) plans include a means for participants to convert their savings into retirement income—yet the vast majority of participants desire this option.
Towards creating a sustainable U.S. healthcare system
Americans are living longer, straining hospitals and healthcare systems that are struggling to meet rising needs for care.
The immediate needs annuity and long-term care insurance
U.S. consumers who face high care costs late in life have limited options for insuring consumption or bequests. Could medically underwritten income annuities fill this need?
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