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

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

April 2018

Poor financial capability in old age can have serious repercussions, causing people to make mistakes with credit, draw down retirement assets too quickly, and fall victim to financial predators.

May 2017

Compared to previous generations, older women today carry more debt and are facing retirement in a more financially precarious position.

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.