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Addressing workforce, productivity and financial wellness
Featured reports
Fellows spotlight
Introducing the TIAA Institute Fellows Chat series
TIAA Institute Fellow Gopi Shah Goda launches our Fellows Chat series, discussing Social Security’s financial challenges, demographic pressures, and potential policy solutions for ensuring retirement security.
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.
Closing the guarantee gap
The shift from defined benefit pensions to defined contribution plans has created a "guarantee gap" in American retirement security. This brief explores how DC plans can be transformed to help workers not just save for retirement, but plan for income throughout their retirement years.
Asset decumulation in retirement: Patterns, predictors, and the role of financial literacy
This comprehensive study examines how U.S. retirees manage their nonhousing financial assets over a 12-year period after age 65, using longitudinal data from the Health and Retirement Study (1995-2020). The research reveals significant variations in decumulation patterns based on asset type, wealth level, and financial literacy, challenging traditional assumptions about retirement spending.
Fit to Consume: How health shapes preferences for consumption
This groundbreaking research explores how changes in health status affect the value people derive from consumption, with significant implications for optimal retirement planning and insurance design.
Automatic enrollment in public supplemental retirement plans
Relatively few government retirement systems have adopted automatic enrollment in their supplemental savings plans. What’s driving this lack of interest?
How is subjective financial (in)security related to household stress prevalence and intensity?
Stress can have a negative impact on health outcomes. And while the connection between health and wealth is well known, the relationship between financial security and stress has been less studied.
Global best practices for employee benefits in different life stages
This report examines how employers can tailor benefits to support employees throughout different life stages as the global workforce ages, with the number of people 65 and older expected to double from 830 million today to 1.7 billion by 2054.
