8 Ways the SECURE 2.0 Act of 2022 Enhances Retirement Security

The SECURE 2.0 Act of 2022, a result of extensive bipartisan collaboration, represents a major milestone in enhancing retirement security. Based on the 22nd Annual Retirement Survey, Transamerica Institute and TCRS spotlight eight meaningful ways the new legislation enhances retirement security. 

The Saver’s Credit: A Tax Credit That Pays to Save for Retirement

This report provides an overview of the Saver’s Credit, a historical trend analysis, research findings from TCRS' 22nd Annual Retirement Survey, and recommendations for public policy.

A Retirement Security Retrospective: 2007 Versus 2017

The Great Recession officially lasted from December 2007 to June 20091 but its after effects continue to linger today. Questions continue to be asked about the status of the recovery among employers and workers. How has retirement security changed? What are areas in need of improvement? TCRS prepared this report based on findings from its annual retirement survey of workers and employers to help answer these questions.

Striking Similarities and Disconcerting Disconnects: Employers, Workers, and Retirement Security

As part of its 18th Annual Retirement Survey, TCRS surveyed 1,825 employers of for-profit companies with five or more employees to learn how they are helping their employees prepare for retirement. The study also provides context by comparing the employer survey findings with TCRS’ survey of 6,372 workers.

A Compendium of Findings About American Workers - 18th Annual Survey (2017) - Full Survey Results

Complete results from the 18th Annual Survey. The worker report includes trend data and comparisons by company size, generation, gender, household income, educational attainment, and race/ethnicity, which are also available as separate reports..

Behavioral finance and pension decisions, by Lampros Romanos

An extensive literature review and a focused analysis on how framing effects, financial literacy, self-control and loss aversion affect pension decisions

The Retirement Readiness Challenge: Five Ways Employers Can Improve Their 401(k)s

The Retirement Readiness Imperative: Overcoming the Challenges Faced by Small Companies

This report on small businesses, part of the 14th Annual Transamerica Retirement Survey, examines retirement benefits offered by small companies (10-499 employees), assesses the retirement outlook of small-company workers, offers comparisons with large companies (500+ employees), and provides recommendations.

Congressional Testimony

Catherine Collinson was invited to testify to the results of “The Retirement Readiness Imperative: Overcoming the Challenges Faced by Small Companies” before the U.S. House of Representatives Committee on Small Business at its hearing, “The Challenge of Retirement Savings for Small Employers.”

Repairing the Damaged Nest Egg: How to Improve the Retirement Outlook of the Unemployed & Underemployed

As part of its 14th Annual Transamerica Retirement Survey, TCRS surveyed unemployed and underemployed workers and found that 62 percent of displaced workers are “not too” or “not at all” confident about their retirement prospects.  The report delves further into these groups and offers suggestions to help them improve their retirement readiness.

14th Annual Survey (2013) - Full Survey Results

Complete results from the 14^th Annual survey.  The worker report includes trend data and comparisons by age, gender, generation, household income, and participation in a retirement plan.  The employer report includes trend data and comparisons by company size.

Emerging from the Economic Storm: Retirement Plans in the United States, 2007-2012

This report evaluates how American workers and company-sponsored retirement plans have fared during these five difficult years of recession and brings to light opportunities to improve the current retirement system.

Juggling Current Needs and Long-Term Security: Every Woman Needs Her Own Retirement Strategy

The annual Transamerica Retirement Study found that nearly half of working women don’t have a retirement strategy.  This report was created to shed light on women’s attitudes and behaviors related to saving and planning for retirement and outlines key steps that can be taken to help women attain a more secure retirement.

Weathering the Economic Storm: Retirement Plans in the U.S., 2007-2012

This report evaluates how American workers and company-sponsored retirement plans have fared during these five difficult years of recession, and brings to light opportunities to improve the current retirement system.

The Cracked Nest Egg (Unemployed/Underemployed Survey)

This research, conducted among unemployed or underemployed workers, illuminates the severe effect of what is commonly referred to as the Great Recession on the retirement outlook of displaced American workers. The study shows that only 10 percent of displaced workers are very confident in their ability to retire comfortably.

Redefining Retirement: The New "Retirement Readiness"

13th Annual Survey (2012) - Full Survey Results

Complete results from the 13th Annual survey.  The worker report includes trend data and comparisons by age, gender, generation, household income, and participation in a retirement plan.  The employer report includes trend data and comparisons by company size.

Women: Let's Talk About Retirement (Worker Survey)

A Source of Inspiration: Future Early Retirees (Worker Survey)

A "Perfect" 401(k) Plan

Emerging from the Recession (Employer Survey)

Out of Work in America (Unemployed/Underemployed Survey)

The New Retirement: Working (Worker Survey Results)

Educational Matters: The Impact of Educational Attainment on Worker Retirement Outlook

Women and Retirement

A Tale of Two Retirements: The Importance of Employee-Funded Retirement Plans in the Workplace

Women and Retirement: Facing Challenges in a Recession

Managing the Road to Retirement: How Different Age Groups Save

Employers Reluctant to Cut Retirement Benefits in Difficult Economy

Back-on-Track: Helping Pre-Retirees Improve Their Retirement Outlook

Congressional Testimony

On February 25, 2009, TCRS was invited to testify at a hearing entitled, "Drop in Retirement Savings: The Challenges Small Business Face Funding and Maintaining Retirement Plans in a Struggling Economy," conducted by the U.S. House of Representatives Committee on Small Business.

Spotlight on Single Women in the U.S.A.

Building Retirement Confidence — Household Income