Data and Research

Research from TIAA Institute suggests the insurance value of a GLWB may be overstated relative to the typical cost of purchasing the GLWB guarantee, and a systematic withdrawal...

Pew researchers further find metropolitan areas with low retirement plan access rates are heavily concentrated in certain large states.

Default deferral rate decisions and investment decisions could impact participation and savings outcomes.

Nearly one-quarter of employees say they will have to work past age 70, but many of them may not be able to due to stress and health issues.

Steady as a drumbeat, LIMRA Secure Retirement Institute data shows pension buyouts topped $1 billion for the fourth consecutive quarter. 

DC plans have a material and positive impact on employee retirement savings behavior and outcomes, PLANSPONSOR’s 2016 Participant Survey indicates.

The single-employer program is underfunded by more than $19 billion, and the multiemployer program is underfunded by more than $42 billion.

A survey found not being able to afford to contribute is the top reason employees say they do not participate in their employer-sponsored plans, and many are not...

A Federal Reserve study compares the financial outlooks of Americans up and down the wage scale, finding many are worried about income volatility.

Many employers taking a wait-and-see approach and allowing their peers or advisers to show what strategies might work best. 

Workers have ideas for new flexible retirements, and employers and governments can offer solutions.

Research reveals times to ‘nudge’ employees into saving for retirement and ways to make it easy for them to do so.

Many would welcome automatic enrollment and automatic increases.

Nationally, the median income for those who are 65 and older is just 60% of the median income seen among 45- to 64-year-olds. 

A study found households do increase their 401(k) saving when children leave, but only by 0.3 to 0.7 percentage points.

However, Americans are not proactively addressing the financial implications of living longer in retirement.

While all generations can benefit from financial wellness education, each generation learns differently and has different challenges, and Gen X is especially vulnerable.

The decrease could be, in part, due to a different composition of plan investments.

More than 48% of survey respondents indicated they are either considering transferring, or are very likely to transfer, pension risk this year.

Roughly three in five recommend those younger than them start saving earlier in their career (63%) or save more throughout their career (57%).