Retirement Plan Design

Retirement Plan Design icon
How plan design affects savings and retirement decisions

Retirement plan design influences savings and retirement decisions. The TIAA Institute explores such issues as trends in plan design, the effect simplifying investment choices has on decision-making, plan fee fairness, and others. 

Insights

June 2017

Many defined contribution plans pay benefits as a lump sum, putting retirees’ lifetime income security at risk. Longevity income annuities address this concern.

June 2017

To preserve retirement wealth, IRAs and employer-sponsored defined contribution plans typically impose a penalty on early withdrawals. How might individuals respond if the penalty were lifted?

May 2017

Target-date funds help hedge financial market risk, but these funds don’t lessen the risk of outliving your savings.

Research Reports

May 2017

Target-date funds help hedge financial market risk, but these funds don’t lessen the risk of outliving your savings.

May 2017

Compared to the private sector, the retirement-saving landscape in the public sector is much more complex, as exemplified by North Carolina’s public school districts.

April 2016

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