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.

March 2019

The ranks of adjunct faculty have increased rapidly in recent decades. How are these individuals faring financially?

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.

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.

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.

September 2010

Financial literacy and schooling attainment have been linked to household wealth accumulation.

November 2009

The Asset-Salary Ratio (ASR) is a simple yet sophisticated metric that provides feedback on the likelihood a participant in a defined contribution plan system will have sufficient assets to generate adequate retirement income.