TIAA-CREF Institute
Research & Publications

Individual Savings Behavior
Archive

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2010

Retirement Confidence on Campus: The 2010 Higher Education Retirement Confidence Survey

Paul J. Yakoboski
Principal Research Fellow
TIAA-CREF Institute
June 2010

Retirees, Annuitization and Defined Contribution Plans

Paul J. Yakoboski
Principal Research Fellow
TIAA-CREF Institute
April 2010

Missing the Mark: Employment Related Risks to the Retirement Security of Older Workers

Jason S. Seligman
John Glenn School of Public Affairs, The Ohio State University
TIAA-CREF Institute Fellow
March 2010

The Use and Impact of Advice among Near-Retirees

Paul J. Yakoboski
Principal Research Fellow
TIAA-CREF Institute
February 2010

2009

Staying on the Path to a Secure Retirement: Using the Asset-Salary Ratio as a Retirement Compass

P. Brett Hammond
Chief Investment Strategist
TIAA-CREF

David P. Richardson
Principal Research Fellow
TIAA-CREF Institute


December 2009

Meeting Health Care Expenses in Retirement: How Ready Are Near-Retirees?

Paul J. Yakoboski
Principal Research Fellow
TIAA-CREF Institute
December 2009

Converting Assets to Income in Retirement: What Near-Retirees are Thinking

Paul J. Yakoboski
Principal Research Fellow
TIAA-CREF Institute
October 2009

Retirement Savers Respond to the Market Meltdown: Avoiding the “Hail Mary” Pass in Higher Education

Paul J. Yakoboski
Principal Research Fellow
TIAA-CREF Institute
September 2009

New Roth Conversion Opportunities: Is Converting a Traditional IRA, 403(b) or 401(k) a Smart Move, Unwise or Much Ado About Nothing?

William Reichenstein
Baylor University
TIAA-CREF Institute Fellow

Douglas Rothermich
TIAA-CREF

Alicia Waltenberger
TIAA-CREF


September 2009

2008

Understanding Risk Taking in Retirement Savings through Attitude

James H. Dulebohn
School of Labor and Industrial Relations
Michigan State University

Brian Murray
College of Business
University of Dallas
November 2008

Framing, Reference Points, and Preferences for Life Annuities

Jeffrey R. Brown
University of Illinois at Urbana-Champaign
NBER
TIAA-CREF Institute Fellow

Jeffrey R. Kling
The Brookings Institution
NBER

Sendhil Mullainathan
Harvard University
NBER

Garth R. Wiens
Harvard University

Marian V. Wrobel
Harvard University
November 2008

Engaging New Hires to Invest in Their Financial Security

Paul J. Yakoboski
Principal Research Fellow
TIAA-CREF Institute
October 2008

The Role of Retirement Personality Type in Motivating Women to Plan for Retirement

Jean M. Lown
Professor of Family, Consumer, and Human Development
Utah State University
September 2008

New Ways to Make People Save: The Dartmouth Project

Annamaria Lusardi
Dartmouth College
Harvard Business School
TIAA-CREF Institute

Punam Keller
Professor of Marketing
Tuck School of Business
Dartmouth College

Adam Keller
Vice President for Finance and Administration
Dartmouth College
June 2008

Framing Effects in Retirement Savings

David Card
Department of Economics
University of California, Berkeley
National Bureau of Economic Research
Michael R. Ransom
Department of Economics
Brigham Young University
June 2008

Pension Plan Characteristics and Framing Effects in Employee Savings Behavior

David Card
Department of Economics
University of California, Berkeley
and National Bureau of Economic Research

Michael R Ransom
Department of Economics
Brigham Young University
May 2008

The Effects of Choice Proliferation on Retirement Savings Behavior

Sheena S. Iyengar
Professor of Management
Columbia University, Graduate School of Business
TIAA-CREF Institute Fellow
May 2008

Adjusting Retirement Goals and Savings Behavior: The Role of Financial Education

Robert L. Clark, Professor of Management, Innovation, and Entrepreneurship and Professor of Economics at North Carolina State University, and TIAA-CREF Institute Fellow; Madeleine d’Ambrosio, Vice President and Executive Director, TIAA-CREF Institute
February 2008

2006

Research Summary - The Employer Match and Participant Behavior

July 2006

Research Summary - Plan Investment Options and Participant Behavior

July 2006

Capitalizing on Inertia: Automation Boosts Retirement Savings

Mimi Lord, TIAA-CREF Institute
June 2006

The Expanding "Roth" Retirement Account

Alicia Waltenberger, TIAA-CREF
Douglas Rothermich, TIAA-CREF
William Reichenstein, Baylor University and TIAA-CREF Institute Fellow
March 2006

Tax-Efficient Saving and Investing

William Reichenstein, Baylor University and TIAA-CREF Institute Fellow
February 2006

2005

Findings from the Retirement Confidence Survey of College and University Faculty

Paul Yakoboski, TIAA-CREF Institute
October 2005

Enhancing Retirement Savings Outcomes in Employer Sponsored Savings Plans : Part 1 - Increasing Participation

Brigitte Madrian, University of Pennsylvania and National Bureau of Economic Research; TIAA-CREF Institute Fellow
October 2005

Maximizing Long-term Wealth Accumulation: It's Not Just About "What" Investments To Make, But Also "Where" To Make Them

Robert M. Dammon, Carnegie Mellon University
James Poterba, Massachusetts Institute of Technology
Chester S. Spatt, Carnegie Mellon University
Harold H. Zhang, University of Texas at Dallas
October 2005

Do People Save Enough for Retirement?

Alicia H. Munnell, Boston College and TIAA-CREF Institute Fellow
May 2005

College Savings Options and The Impact of Savings on Financial Aid

Jennifer Ma, TIAA-CREF Institute
March 2005

2004

What Happened to TIAA-CREF Participant Premium and Asset Allocations From 2000 to 2004?

Jacob S. Rugh, TIAA-CREF Institute
June 2004

2003

The Impact of 2003 Tax Law on College Savings Options

December 2003

Ignorance Is Not Bliss: The Importance Of Financial Education

Robert L. Clark, North Carolina State University
Madeleine d'Ambrosio, TIAA-CREF Institute
December 2003

Financial Education and Consumer Behavior

November 2003

Do We Have a Retirement Crisis in America?

Douglas Fore, TIAA-CREF Institute
September 2003

Understanding The Impact of Employer Matching on 401(k) Saving

Gary V. Engelhardt, Syracuse University
Anil Kumar, Syracuse University
June 2003

Capital Gains Taxes and Portfolio Rebalancing

Robert M. Dammon, Carnegie Mellon University
Chester S. Spatt, Carnegie Mellon University
Harold H. Zhang, Carnegie Mellon University
March 2003

2002

The Influence of Pensions on Behavior: How Much Do We Really Know?

Alan L. Gustman, Dartmouth College
Thomas L. Steinmeier, Texas Tech University
April 2002

Saving for College with 529 Plans and Other Options: An Update

Jennifer Ma, TIAA-CREF Institute
Douglas Fore, TIAA-CREF Institute
January 2002

2001

Saving for College: A Comparison of Section 529 Plans with Other Options

Jennifer Ma, TIAA-CREF Institute
Douglas Fore, TIAA-CREF Institute
March 2001

2001 Parents, Children and Money Survey

Co-sponsors, TIAA-CREF Institute and American Savings Education Council (ASEC)
January 2001

2000

Saving for Retirement: The Importance of Planning

Annamaria Lusardi, Dartmouth College
December 2000

Trends in TIAA-CREF Participant Premium and Asset Allocations: 1986 - 2000

John Ameriks, TIAA-CREF Institute
November 2000

1999

Women and Retirement

Vickie Bajtelsmit, Colorado State University and Alexandra Bernasek, Colorado State University
October 1999

Household Asset Portfolios and the Reform of the Housing Finance Market

Andrew Caplin, New York University, Sewin Chan, Rutgers University, Charles Freeman, Chase Manhattan Mortgage Company and Joseph Tracy, Federal Reserve Bank of New York
February 1999

1999 Youth and Money Survey

January 1999

1997

Premium Allocations and Accumulations in TIAA-CREF -- Trends in Participant Choices among Asset Classes and Investment Accounts

John Ameriks, Francis P. King, and Mark J. Warshawsky, Corporate Research, with the assistance of Shaya Stern, Actuarial Technical, TIAA-CREF
July 1997

Faculty Pension Choices in a Public Institution: Defined Benefit and Defined Contribution Plans

Robert L. Clark, Professor, College of Management; Loretta Harper, Associate Vice Chancellor for Human Resources; and M. Melinda Pitts, Ph.D. candidate, Department of Economics, all of North Carolina State University
March 1997