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

May 2017

Compared to previous generations, older women today carry more debt and are facing retirement in a more financially precarious position.

February 2016

Participants in self-directed retirement plans may fail to understand and mitigate investment and longevity risk, putting their retirement security at risk. Variable deferred annuities with lifetime income and investment guarantees could rectify the problem.

January 2016

Gen Y is the largest, most educated and ethnically diverse demographic group in U.S. history, projected to make up 75% of the world’s workforce by 2050.  

Research Reports

December 2015

As employer-sponsored savings vehicles, like 401(k)s, become a major source of retirement income for millions of Americans, personal biases can have an outsized impact on retirement security.

September 2015

As defined contribution plans continue to replace defined benefit plans, retirees face substantial financial market risk to their non-guaranteed retirement savings.

August 2015

Does the expectation of employer-provided health insurance in retirement encourage faculty members to retire earlier and save less than faculty who do not expect to receive this benefit?