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.

July 2018

Automatic enrollment helps boost retirement plan contributions, but its ultimate impact on plan balances is unclear.

July 2018

Many older adults experience declining cognitive ability and make sub-optimal investment decisions, posing a challenge for themselves and their families.

July 2018

Given the complexity – and risks – of choosing between a defined benefit plan and a defined contribution plan, how do university employees decide?

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.

February 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.

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.