TIAA-CREF Institute
Research & Publications

Retirement Income Security
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

Increased Longevity and the Annuity Solution: How Retirement Policy Reforms Can Reduce Longevity Risk

Christopher S. Spence
Senior Policy Analyst
TIAA-CREF Government Relations

David P. Richardson
Principal Research Fellow
TIAA-CREF Institute


May 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

How TIAA-CREF Funded Plans Differ from a Typical 401(k) Plan

John H. Biggs
Executive-in-Residence and Adjunct Professor of Finance
New York University
Former Chairman, President and Chief Executive Officer, TIAA-CREF
TIAA-CREF Institute Fellow
February 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

Should Social Security Rely Solely on the Payroll Tax?

Alicia H. Munnell
Boston College
TIAA-CREF Institute Fellow
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

A Risk-Managed Approach to Designing Hospital Pensions for the 21st Century

Roderick B. Crane
Institutional Client Services, TIAA-CREF

Michael Heller
Actuarial Consulting Services, TIAA-CREF

Paul J. Yakoboski
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

Moving from Financial Planning to Financial Life Planning

Elizabeth Jetton, CFP®
Principal, RTD Financial Advisors
August 2009

Managing Risks In A Market Meltdown

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

Framing and 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
ideas42

Marian V. Wrobel
Harvard University
ideas42


January 2009

2008

Social Security: Factors Affecting The Decision Of "When To Begin" Benefits

David P. Richardson
Principal Research Fellow
TIAA-CREF Institute
December 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

A Paycheck for Life: The Role of Annuities in Your Retirement Portfolio

Jeffrey R. Brown
University of Illinois at Urbana-Champaign and NBER
TIAA-CREF Institute Fellow
July 2008

The 5% Guaranteed Minimum Withdrawal Benefit: Paying Something for Nothing?

Benny Goodman
TIAA-CREF
Seth Tanenbaum
TIAA-CREF
April 2008

Why Don't the People Insure Late Life Consumption? A Framing Explanation of the Under-Annuitization Puzzle

Jeffrey R. Brown
University of Illinois at Urbana-Champaign
NBER
TIAA-CREF Institute Fellow
Jeffrey R. Kling
The Brookings Institution and NBER
Sendhil Mullainathan
Harvard University and NBER
Marian V. Wrobel
Harvard University
April 2008

2007

Early Retiree Health Insurance Issues

Marilyn Moon, American Institutes for Research and
TIAA-CREF Institute Fellow
March 2007

2006

The Retiree Health Care Challenge

Prepared by Hewitt Associates
November 2006

Annuities: Now, Later, Never?

Benjamin Goodman, TIAA-CREF
Michael Heller, TIAA-CREF
October 2006

Tax-Efficient Sequencing of Accounts to Tap in Retirement

William Reichenstein, Ph.D., Baylor University and TIAA-CREF Institute Fellow
October 2006

Reforming Retiree Benefits: Recent Changes in the University of Pennsylvania's Retiree Medical Plan

Olivia S. Mitchell, University of Pennsylvania
Elenita Bader, University of Pennsylvania
Jack Heuer, University of Pennsylvania
May 2006

2005

Measuring Social Security's Financial Outlook Within an Aging Society

Jagadeesh Gokhale, CATO Institute
Kent Smetters, The Wharton School, NBER and TIAA-CREF Institute Fellow
November 2005

Options and Alternatives to Fund Retiree Health Care Expenditures

Paul Fronstin, EBRI and TIAA-CREF Institute Fellow
Paul Yakoboski, TIAA-CREF Institute
July 2005

Retiree Health Care: Individuals Picking Up Bigger Tab

Marilyn Moon, American Institutes for Research and TIAA-CREF Institute Fellow
July 2005

Phased Retirement: Often a Win-Win Situation

Mimi Lord, TIAA-CREF Institute
June 2005

Payouts In Individual Accounts Pose New Questions

Virginia Reno, National Academy of Social Insurance and TIAA-CREF Institute Fellow
May 2005

Social Security: Experts Discuss Funding Issues and Options

Mimi Lord, TIAA-CREF Institute
April 2005

Annuitization: What Individuals Say, What Individuals Do

Paul Yakoboski, TIAA-CREF Institute
March 2005

2004

To Phase or Not to Phase: The Dynamics of Choosing Phased Retirement in Academe

David W. Leslie, The College of William and Mary and TIAA-CREF Institute Fellow
Natasha Janson, The College of William and Mary
September 2004

The 2004 Report of the Social Security Trustees: Social Security Shortfalls, Social Security Reform and Higher Education

Thomas R. Saving, TIAA-CREF Institute Fellow and Ph.D., Director of the Private Enterprise Research Center at Texas A&M University
September 2004

The Outlook Of Retiree Health Benefits

Sylvester J. Schieber, Watson Wyatt Worldwide and TIAA-CREF Institute Fellow
September 2004

Impact of Retiree Health Plans on Faculty Retirement Decisions

John Rust, University of Maryland
April 2004

Institutional Factors and the Future of Retiree Health Plans

Sylvester J. Schieber, Watson Wyatt Worldwide
April 2004

Faculty Retirement Incentives by Colleges and Universities

John H. Pencavel, Stanford University
April 2004

The Value of Phased Retirement

Steven G. Allen, North Carolina State University
April 2004

2003

Do We Have a Retirement Crisis in America?

Douglas Fore, TIAA-CREF Institute
September 2003

2002

Recent Trends in the Selection of Retirement Income Streams Among TIAA-CREF Participants

John Ameriks, TIAA-CREF Institute
December 2002

2000

Financing Long-Term Care: Needs, Attitudes, Current Insurance Products, and Policy Innovations

Mark J. Warshawsky, TIAA-CREF Institute
Lee Granza, TIAA-CREF
Anna Madamba, TIAA-CREF
March 2000

1999

The Retirement Patterns and Annuitization Decisions of a Cohort of TIAA-CREF Participants

John Ameriks, TIAA-CREF Institute
October 1999

1998

To Retire or Not? Examining Life after the End of Mandatory Retirement in Higher Education

Robert L. Clark, North Carolina State University and P. Brett Hammond, TIAA-CREF
December 1998

Distributions from Retirement Plans: Minimum Requirements, Current Options, and Future Directions

Mark J. Warshawsky, TIAA-CREF Institute
September 1998

1997

Income Security for the Third Age: Concepts and Sources

Yung-Ping Chen, University of Massachusetts
December 1997

1996

Trends in the Selection of TIAA-CREF Life-Annuity Income Options,1978-1994

Francis P. King, Senior Research Officer, TIAA-CREF
July 1996

Real Bonds and Inflation Protection for Retirement

P. Brett Hammond, Director of Strategic Research, TIAA-CREF
March 1996

1995

The TIAA Graded Payment Method and the CPI

By Francis P. King, Senior Research Officer, TIAA-CREF
December 1995

Longevity's Gift: A Second Middle Age

By Lydia Bront, Carnegie Corporation of New York
December 1995

The Retirement Security of the Baby Boom Generation

John B. Shoven, Charles R. Schwab Professor of Economics, and Dean, School of Humanities and Sciences, Stanford University
March 1995