The Future of Retirement Security
Countries around the world are reforming their retirement systems to account for increases in longevity and other demographic and economic pressures.
Retirement Bill of Rights
The American retirement challenge is real, it affects us all, and it threatens the sustainability of our economy.
Financial literacy and retirement fluency
New insights for improving financial well-being
The 2024 TIAA Institute-GFLEC Personal Finance Index
From longevity literacy to longevity fitness
Our society is transforming, and fast. The biggest challenge—and the biggest opportunity—will be helping people improve not just the length of their lives, but also the extent of their health and wealth.
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 appropriate for both technical and general audiences.
From gap years to golden years: A look at Gen Z’s current thinking about retirement
Gen Z—those born after 1996—make up 20% of the U.S. population, and they’re the most educated and diverse generation to date. How do they view retirement?
The state of Hispanic financial wellness in the U.S.
Attitudes and behaviors that shape outcomes
Hispanics Americans, even high earners, face retirement-readiness challenges compared to whites at comparable income levels.
The Case for Supporting Working Parents
Women are more likely than men to take time out of the workforce for childcare duties, particularly when childcare is unavailable or unaffordable.
Counterfactual predictive analytics for enhancing STEM student success: Using the community college sector as an entry point
Approximately two-thirds of community college students expect to attain a four-year degree, but less than a third of those actually transfer to a four-year college.
Employee savings and employer contribution rules in defined contribution plans: Evidence from age-based policies
Do age-based retirement plan rules boost employees’ retirement readiness?
Investigating the
impact of philanthropic giving for financial aid on college student enrollments
and social mobility
Philanthropic dollars finance a meaningful part of student aid at colleges and universities. However, there is little understanding how philanthropic giving impacts student financial aid and student outcomes.
Retirement Readiness in the Healthcare Sector
Retirement income security depends upon a series of financial decisions and actions over time. How do healthcare employees tackle this challenge?
Racial disparities in overdue debt among older adults
An increasing share of older Americans carry debt into retirement, underscoring the need to support older adults in managing their debt effectively.
Do additional dollars buy engagement? Effects of monetary incentives on attending financial aid counseling for at-risk students
Many university students struggle financially to remain enrolled in school, particularly those from less-wealthy families. Financial counseling can make a notable difference.
Estimating the effect of employer matching contributions offsetting student loan debt
The U.S. student loan market plays a crucial role in enabling individuals to pursue higher education, but for many borrowers it also leads to substantial debt.
New insights into improving financial well-being
The concept of financial wellbeing is subject to different definitions and interpretations, and there can be significant differences between individuals’ perceptions of their financial wellbeing and objective quantifiable measures.
