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

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 2019

Given the choice between a smaller immediate payout or a larger future payout, people generally prefer rewards sooner rather than later, a tendency called temporal discounting.

October 2018

A retirement plan’s default investment portfolio is optimal for some employees. But for others, the default has some drawbacks.

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.

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 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.