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.

April 2017

Many retirement plan participants lack the financial knowledge needed to manage their portfolios on their own, underscoring the importance of advice.

February 2016

Because a plan’s administrative costs are ultimately paid by participants, plan sponsors are obligated to allocate administrative fees in a fair and appropriate manner. 

August 2015

Does the expectation of employer-provided health insurance in retirement encourage faculty members to retire earlier and save less than faculty who do not expect to receive this benefit?

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.

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.

May 2017

Today’s retirees are living longer than ever before, creating the need for policy changes to help retirees stretch their savings accordingly.

May 2017

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