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

November 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

Since annuitants and non-annuitants share the same top financial priorities—each of which is addressed by annuitization—why do some retirees choose to annuitize while others do not?  

September 2015

Near-retirees typically share the same top financial priorities for retirement—all of which are consistent with annuitization. So is there a disconnect between priorities and intentions among those likely to not annuitize?

Research Reports

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.