2025 Trends report
TIAA Trends 2025
Market volatility, emerging legislation and the latest in cybersecurity are just a few of the trends that may change the retirement industry this year.
The GOP v. the bond market.
The U.S. economy faces policy shifts that could inject uncertainty and create market volatility.
Build it up. Blow it down.
How Republican control inside the Beltway may affect plan sponsors.
Is lifetime income poised for the main stage?
Higher education and healthcare have been ahead of the curve in offering in-plan annuities, but annuity fluency is still a challenge.
Something sounds phishy.
Cybercriminals are getting smarter. So are we. The new policies and practices to adopt this year.
Generation Meh: Gen Z isn’t vibing with retirement savings.
Plan sponsors may seek new ways to engage Gen Z, including climbing inside their video games.
Take Two with TIAA: 2025 Retirement industry trends.
What's driving retirement industry changes in 2025? TIAA Chief Investment Officer Neel Mukherjee examines three key dynamics shaping the year ahead: shifting policy landscapes, emerging market volatility and evolving global trends.
What a difference a year makes. Last year saw declining inflation, robust economic growth and a surging US stock market. 2025 could be very different. Let's take a closer look at three key dynamics shaping the retirement industry in 2025.
Hi I'm Neel Mukherjee and it's time to take two with TIAA.
First, the tug of war between the bond market and Washington DC will be a prime focus for savers and retirees. While the Federal Reserve is considering further interest rate cuts. With inflation at 2.8%. Proposed Republican policies, including changes to Social Security benefits, tax structures and trade and immigration policies could create inflationary pressures.
Second, market volatility is likely to increase, highlighting the importance of robust plan design and investment menus. After the S&P 500 s remarkable performance in 2024 with over 50 record highs, current valuations suggest a choppier environment ahead.
Third, global market dynamics are evolving. While we maintain a preference for U.S. stocks, the changing international landscape, including demographic shifts in Europe and China and evolving trade relationships, presents both challenges and opportunities for the institutional retirement plans.
These factors underscore why in 2025, employers may wish to promote financial advice benefits to help keep their employees on track amid increased volatility. Want to dive deeper into more trends shaping the retirement industry in 2025? Download our comprehensive Retirement Industry Trends report at Tiaa.org.
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