Transamerica Institute

Women and Retirement

woman with three dogs for Womens page

Since 2006 Transamerica Center for Retirement Studies has been publishing research reports and pursuing outreach campaigns regarding women as part of its annual retirement survey.  TCRS aims to raise awareness of retirement risks that women face in order to affect positive change.

TCRS research has found that women around the world are concerned that future generations of retirees will be worse off than current retirees. In the United States, women can take greater control of their financial futures by taking small steps today that can ultimately lead to an improved outlook in terms of their long-term retirement readiness.

Based on select findings from the 15th Annual Transamerica Retirement Survey of Workers, Fifteen Facts highlights specific areas of opportunity for women (and offers comparisons to men). It also outlines some of the underlying reasons why women are at greater risk than men of not achieving a secure retirement, such as lower incomes, lower lifetime earnings, time out of the workforce to be a parent or caregiver, and longer life expectancies that drive a need for greater savings.

Homemakers Are Not Off the Hook: How Should They Be Planning for Retirement?

TCRS, in conjunction with the Aegon Center for Longevity and Retirement, surveyed self-described homemakers around the globe about their retirement knowledge, expectations and preparedness. In the U.S. 81% of homemakers are women (86% are globally). Preparing for retirement is important for all people - those in the formal workforce as well as stay-at-home moms and dads and other homemakers. This report offers insights into this group and recommendation to help them prepare for retirement.

Downloadable Materials:

Full Report
Press Release September 3, 2015

The Changing Face of Retirement - Women: Balancing Family, Career & Financial Security

TCRS, in conjunction with Aegon, surveyed women around the globe and this report examines the retirement preparedness of women in the workforce in the U.S. and around the world. The research finds that today's women are well educated and enjoy broad career opportunities. However, we also find that a woman’s path to a financially secure retirement is challenging. The report provides recommendations for individuals, employers and policymakers to help women in their long-term retirement preparedness.

Downloadable Materials:

Full Report
Press Release November 20, 2014
Webinar Presentation November 20, 2014


Retirement Readiness Index for Women Globally
Retirement Aspirations of Women Globally
Retirement Confidence of Women Globally
Are Women Saving Enough for Retirement
Women globally expect to rely on spouse in retirement
Workplace Retirement Plans
Women Expect a Flexible Retirement

A Compendium of Findings About American Workers
15th Annual Transamerica Retirement Survey 

Downloadable Materials:

Report Excerpt on Influences of Gender on Retirement Preparedness