All Retirement Income Security Articles

Jun 2013
Public Sector Pension Reform: Addressing Pressing Fiscal Realities from a Long-Term Perspective

    Thomas L. Gais
    Director, The Nelson A. Rockefeller Institute of Government
    The State University of New York

    Paul J. Yakoboski
    Senior Economist, TIAA-CREF Institute

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

Feb 2013
Designing and Framing Annuities

    John Beshears
    Stanford University and NBER

    James J. Choi
    Yale University and NBER

    David Laibson
    Harvard University and NBER

    Brigitte C. Madrian
    Harvard University and NBER

    Stephen P. Zeldes
    Graduate School of Business, Columbia University and NBER

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

Nov 2010
Issue # 98
Who’s Watching the Door? How Controlling Provider Access Can Improve K-12 Teacher Retirement Outcomes

    Robert Clark
    Professor of Economics
    Professor of Management,
    Innovation, and Entrepreneurship
    North Carolina State University

    David P. Richardson
    Principal Research Fellow
    TIAA-CREF Institute

Nov 2010
Who’s Watching the Door? How Improving 403(b) Administrative Oversight Can Improve Educators’ Retirement Outcomes

    Robert Clark
    Professor of Economics
    Professor of Management,
    Innovation, and Entrepreneurship
    North Carolina State University

    David P. Richardson
    Principal Research Fellow
    TIAA-CREF Institute

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

    David P. Richardson
    Principal Research Fellow
    TIAA-CREF Institute

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

Feb 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

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

    Paul J. Yakoboski
    Principal Research Fellow
    TIAA-CREF Institute

Dec 2009
Should Social Security Rely Solely on the Payroll Tax?

    Alicia H. Munnell
    Boston College
    TIAA-CREF Institute Fellow

Dec 2009
Meeting Health Care Expenses in Retirement: How Ready Are 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

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

    Paul J. Yakoboski
    Principal Research Fellow
    TIAA-CREF Institute

Oct 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

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

Aug 2009
Moving from Financial Planning to Financial Life Planning 

    Elizabeth Jetton, CFP®
    Principal, RTD Financial Advisors

Jun 2009
Managing Risks In A Market Meltdown

    Paul J. Yakoboski
    Principal Research Fellow
    TIAA-CREF Institute

Jan 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

Dec 2008
Social Security: Factors Affecting The Decision Of "When To Begin" Benefits

    David P. Richardson
    Principal Research Fellow
    TIAA-CREF Institute

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

Jul 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

Apr 2008
Issue # 88
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

Jan 2008
Issue # January, 2008
Generational Shockwaves: Implications for Higher Education

    Donald E. Heller, Professor of Education and Senior Scientist and Director, Center for the Study of Higher Education at The Pennsylvania State University;
    TIAA-CREF Institute Fellow 

Mar 2007
Early Retiree Health Insurance Issues

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

Nov 2006
The Retiree Health Care Challenge

    Prepared by Hewitt Associates

Oct 2006
Tax-Efficient Sequencing of Accounts to Tap in Retirement

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

Oct 2006
Annuities: Now, Later, Never?

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

May 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

Nov 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

Jul 2005
Options and Alternatives to Fund Retiree Health Care Expenditures

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

Jul 2005
Retiree Health Care: Individuals Picking Up Bigger Tab

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

Jun 2005
Phased Retirement: Often a Win-Win Situation

    Mimi Lord, TIAA-CREF Institute

May 2005
Payouts In Individual Accounts Pose New Questions

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

Mar 2005
Sep 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

Sep 2004
Issue # 81
The Outlook Of Retiree Health Benefits

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

Sep 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

Apr 2004
Institutional Factors and the Future of Retiree Health Plans

    Sylvester J. Schieber, Watson Wyatt Worldwide

Apr 2004
Apr 2004
Faculty Retirement Incentives by Colleges and Universities

    John H. Pencavel, Stanford University

Apr 2004
The Value of Phased Retirement

    Steven G. Allen, North Carolina State University

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

    Douglas Fore, TIAA-CREF Institute

Mar 2000
Issue # 63
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

Dec 1998
Issue # 58
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

Dec 1997
Issue # 53
Income Security for the Third Age: Concepts and Sources

    Yung-Ping Chen, University of Massachusetts

Jul 1996
Issue # 48
Trends in the Selection of TIAA-CREF Life-Annuity Income Options,1978-1994

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

Mar 1996
Issue # 47
Real Bonds and Inflation Protection for Retirement

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

Dec 1995
Issue # 46
The TIAA Graded Payment Method and the CPI

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

Dec 1995
Issue # 45
Longevity's Gift: A Second Middle Age

    By Lydia Bront, Carnegie Corporation of New York

Mar 1995
Issue # 43
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

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