Financial literacy and retirement fluency in America
Findings from the 2025 TIAA Institute-GFLEC Personal Finance Index
Featured reports
Fellows spotlight
Knowledge at Wharton: The Future of Healthy Aging and Retirement
Insights from a Wharton symposium hosted by TIAA Institute Fellow Olivia S. Mitchell, Wharton finance professor Nikolai Roussanov, and TIAA Institute Head Surya Kolluri are featured in this thought piece on preparing for and meeting the challenge of global aging.
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.
Mission critical: Presidents' perspectives on how universities serve society in turbulent times
The TIAA Institute explores how college and university presidents are navigating a confluence of challenges while reassessing their institutions' societal impact and democratic engagement in an increasingly polarized landscape.
Do misperceptions about Medicare coverage explain low demand for long-term care insurance?
The need for long-term care is rising, posing a significant financial risk for elderly individuals and their families.
Evaluating the effectiveness of financial coaching
A large majority of U.S. households live paycheck to paycheck. Does financial coaching help people improve their financial capability?
Macro-trends impacting the evolution of higher education
Higher education institutions face strong headwinds, despite the substantial earnings premium associated with a post-secondary degree.
Retirement savings to retirement income: 401(k) participant perspectives
Few 401(k) plans include a means for participants to convert their savings into retirement income—yet the vast majority of participants desire this option.
Towards creating a sustainable U.S. healthcare system
Americans are living longer, straining hospitals and healthcare systems that are struggling to meet rising needs for care.
