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.

August 2015

How prepared for retirement are college and university faculty, and what influences their level of confidence?

December 2013

Most state and local government employees are covered by health plans that extend coverage to retired employees. Relatively few studies have examined how public employees respond to these incentives.

August 2013

Retirement plans commonly “nudge” individuals into plan participation and a default investment option (typically, a target date retirement fund) if they do not make an affirmative choice.

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.

October 2018

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

December 2017

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

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?