All Individual Savings Behavior Articles

Aug 2013
The Effect of Lifetime Income Disclosures on Retirement Savings

    Gopi Shah Goda
    Stanford University and NBER

    Colleen F. Manchester
    University of Minnesota

    Aaron J. Sojourner
    University of Minnesota and IZA

Apr 2013
Retirement Confidence in the Education Sector: Comparisons by Race

    Wilhelmina A. Leigh
    Senior Research Associate, Joint Center for Political and Economic Studies
    TIAA-CREF Institute Fellow

Jul 2012
2012 Retirement Confidence Survey of the State and Local Government Workforce

    Joshua M. Franzel, Ph.D.
    Vice President of Research
    Center for State and Local Government Excellence

    Paul J. Yakoboski, Ph.D.
    Senior Economist
    TIAA-CREF Institute

Jun 2012
Understanding the Role of Variable and Investment-Linked Deferred Payout Annuities (VILDAS) in Household Portfolios Over the Life Cycle

    Raimond Maurer
    Finance Department
    Goethe University

    Olivia S. Mitchell
    Wharton School
    University of Pennsylvania

    Ralph Rogalla
    Finance Department
    Goethe University

    Vasily Kartashov
    Finance Department
    Goethe University

Jun 2012
Issue #104
Lifecycle Portfolio Choice with Systematic Longevity Risk and Variable Investment-Linked Deferred Annuities

    Raimond Maurer
    Finance Department
    Goethe University

    Olivia S. Mitchell
    Wharton School
    University of Pennsylvania

    Ralph Rogalla
    Finance Department
    Goethe University

    Vasily Kartashov
    Finance Department
    Goethe University

Dec 2011
Retirement Confidence Among Hospital Employees

    Paul J. Yakoboski
    Senior Economist
    TIAA-CREF Institute

Dec 2011
Rethinking Defined Contribution Retirement Plan Design: Plan Sponsor Perspectives

    Paul J. Yakoboski
    Senior Research Fellow
    TIAA-CREF Institute

Nov 2011
Redesigning Retirement Plans with R21 Principles

Case Study of the Employee Retirement Program for the TIAA-CREF Family of Companies

    Michael Chambers
    Director, Benefits Strategy & Finance
    TIAA-CREF

    Deborah Hamilton
    Vice President, Benefits & Human Resource Operations
    TIAA-CREF

    Paul J. Yakoboski
    Senior Research Fellow
    TIAA-CREF Institute

Nov 2011
Retirement Confidence Among K-12 Employees

    Paul J. Yakoboski
    Senior Research Fellow
    TIAA-CREF Institute

Aug 2011
Retirement Confidence Among State and Local Government Employees

    Paul J. Yakoboski
    Principal Research Fellow
    TIAA-CREF Institute

Aug 2011
Rethinking Defined Contribution Retirement Plan Design: A Survey of Experts

    Paul J. Yakoboski
    Principal Research Fellow
    TIAA-CREF Institute

Dec 2010
Implications from Experimental Behavioral Finance for Improving Portfolio Selection

    Robert McDonald
    Northwestern University

    Thomas Rietz
    The University of Iowa
    TIAA-CREF Institute Fellow

Oct 2010
Issue # 97
Financial Literacy, Schooling, and Wealth Accumulation

    Jere R. Behrman
    Olivia S. Mitchell
    Cindy Soo
    David Bravo

Oct 2010
Lessons Learned From the 2010 K-12 Retirement Confidence Survey

    Paul J. Yakoboski
    Principal Research Fellow
    TIAA-CREF Institute

Sep 2010
Retirement Health Among Hospital Workers: The 2010 Hospital Retirement Confidence Survey

    Paul J. Yakoboski
    Principal Research Fellow
    TIAA-CREF Institute

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

    Paul J. Yakoboski
    Principal Research Fellow
    TIAA-CREF Institute

Apr 2010
Retirees, Annuitization and Defined Contribution Plans

    Paul J. Yakoboski
    Principal Research Fellow
    TIAA-CREF Institute

Mar 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

Feb 2010
The Use and Impact of Advice among Near-Retirees

    Paul J. Yakoboski
    Principal Research Fellow
    TIAA-CREF Institute

Dec 2009
Issue # 95
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

Dec 2009
Meeting Health Care Expenses in Retirement: How Ready Are Near-Retirees?

    Paul J. Yakoboski
    Principal Research Fellow
    TIAA-CREF Institute 

Oct 2009
Converting Assets to Income in Retirement: What Near-Retirees are Thinking

    Paul J. Yakoboski
    Principal Research Fellow
    TIAA-CREF Institute

Sep 2009
Sep 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

Nov 2008
Issue # 94
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

Nov 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

Oct 2008
Engaging New Hires to Invest in Their Financial Security

    Paul J. Yakoboski
    Principal Research Fellow
    TIAA-CREF Institute

Sep 2008
Issue # 93
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

Jun 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

Jun 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

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
Issue # 90
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

Feb 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

Jun 2006
Mar 2006
The Expanding "Roth" Retirement Account

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

Feb 2006
Tax-Efficient Saving and Investing

    William Reichenstein, Baylor University and TIAA-CREF Institute Fellow

Oct 2005
Issue # 85
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

Oct 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

May 2005
Do People Save Enough for Retirement?

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

Mar 2005
Issue # 83
Dec 2003
Issue # 78
Ignorance Is Not Bliss: The Importance Of Financial Education

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

Sep 2003
Issue # 77
Do We Have a Retirement Crisis in America?

    Douglas Fore, TIAA-CREF Institute

Jun 2003
Issue # 76
Understanding The Impact of Employer Matching on 401(k) Saving

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

Mar 2003
Issue # 75
Capital Gains Taxes and Portfolio Rebalancing

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

Apr 2002
Issue # 71
The Influence of Pensions on Behavior: How Much Do We Really Know?

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

Jan 2002
Issue # 70
Saving for College with 529 Plans and Other Options: An Update

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

Mar 2001
Issue # 67
Saving for College: A Comparison of Section 529 Plans with Other Options

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

Dec 2000
Issue # 66
Saving for Retirement: The Importance of Planning

    Annamaria Lusardi, Dartmouth College

Nov 2000
Issue # 65
Oct 1999
Issue # 61
Women and Retirement

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

Feb 1999
Issue # 59
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 

Jul 1997
Issue # 51
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

Mar 1997
Issue # 50
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

© 2013 and prior years, Teachers Insurance and Annuity Association - College Retirement Equities Fund (TIAA-CREF), New York, NY 10017