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

July 2013

Many investment companies have begun providing their defined-contribution pension participants with individualized, retirement income projections. The U.S. Congress is currently considering whether to require them all to do so.

March 2013

During the economic doldrums that have followed The Great Recession, employees in the education sector (administrators, staff, and teachers or faculty at both the K-12 level and the post-secondary level) are confident about both their retirement savings behavior and their likely retirement outcom

May 2012

This paper assesses the impact of variable investment-linked deferred annuities (VILDAs) on lifecycle consumption, saving, and portfolio allocation patterns given stochastic and systematic mortality.