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

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?

July 2014

States and localities – which employ about 14% of the U.S. workforce1 – continue to face the residual effects of tax revenue decreases and pension fund investment losses resulting from the 2008-2009 recession.

April 2014

In 2012, the National Research Council of the National Academy of Sciences issued a comprehensive report documenting the aging of the U.S. population and analyzing the economic effects this phenomenon may trigger over the next 40 years.

Research Reports

July 2018

Many older adults experience declining cognitive ability and make sub-optimal investment decisions, posing a challenge for themselves and their families.

July 2018

Automatic enrollment helps boost retirement plan contributions, but its ultimate impact on plan balances is unclear.

July 2018

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