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

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

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?

July 2015

Variable annuities with guaranteed minimum lifetime withdrawal benefits (VA/GLWB) offer retirees longevity protection, upside exposure to equity markets, and access to savings in case of emergencies.

August 2014

Hybrid retirement plans that combine the best features of defined benefit and defined contribution plans can provide an efficient and equitable method of ensuring retirement security for workers.