Lifetime Income & Retirement Security

Lifetime icon
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.

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.  

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?  

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.

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.

April 2016

Retirement-income products often try to achieve multiple conflicting goals, including guaranteed income, inflation protection, liquidity, asset growth and estate potential.