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. 

TIAA Institute 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 general audiences.

September 2022

How do higher education employees view their retirement readiness in the context of a volatile and depressed stock market and price inflation not seen in 40 years?

July 2022

Prior research suggests Covid-19 mortality has, in the U.S., disproportionately harmed those with low income, African Americans, and Hispanics. Have these groups’ subjective survival perceptions changed in a manner consistent with observed outcomes?

June 2022

Differences in wealth and income by race and ethnicity are well established. How do these differences affect retirement income security?

June 2022

Fifty years after the passage of Title IX, is there still a gender gap in retirement readiness?

June 2022

In the 50 years since the enactment of Title IX, which prohibits sex discrimination in any education program or activity receiving federal financial assistance, women have made enormous strides in educational attainment, work and earnings.

February 2022

The second wave of the Healthcare Sector Financial Wellness Survey provides an updated analysis of personal finances and financial well-being among full-time employees in hospitals and healthcare systems.

January 2022

Abundant economic and public policy data suggest that many Americans will struggle to maintain an adequate income in retirement.

September 2021

This paper examines estimated retirement ages and retirement income choices for TIAA participants over the 2000 to 2018 period.

April 2021

The number of older Americans has risen dramatically in recent decades, and they are taking increasing responsibility for managing their accumulated wealth.