Research
Research library
Research worth an advisor's time from research firms, asset managers, regulators, central banks, academics and think tanks, each with a short summary in our own words, plus AdvisorIQ's own analysis.
As of Oct 8, 2026, the library lists 4 pieces from academics on retirement income.
Titles marked with an arrow open on the publisher's site. How we choose.
Retirement income
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Health Shocks and Annuity Choices (opens crr.bc.edu)
Using Swedish pension data, where an annuity is the default payout, this brief looks at how a cancer diagnosis changes payout choices. Diagnosed workers annuitize only slightly less, about 4 percentage points, far less than their shorter life expectancy would justify, and a lab experiment points to the default as the reason.
Topic: Retirement incomecrr.bc.edu
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When Loss Aversion Jeopardizes Lifelong Income (opens pensionresearchcouncil.wharton.upenn.edu)
A research summary on why retirees avoid life annuities and favor costlier versions with money-back guarantees, which the piece says make up more than 60% of the US market. Life cycle modeling shows bequest motives alone do not explain the preference, while fear of losing the premium to an early death does.
Topic: Retirement incomepensionresearchcouncil.wharton.upenn.edu
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How Much Are Emergency Expenses for Retirees and Are They Prepared? (opens crr.bc.edu)
This brief measures surprise expenses for retired households and whether they hold enough cash to absorb them. A typical retiree household spends about 10% of income on unexpected costs in an ordinary year, two in five lack the cash to cover a year of them, and lower-income retirees are the most exposed.
Topic: Retirement incomecrr.bc.edu
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Spousal Social Security Claiming Decisions and the Financial Shock of Widowhood (opens nber.org)
This working paper asks how a husband's Social Security claiming age affects his widow's finances. Widowhood remains a large financial shock for older women, but a smaller one when the husband delayed claiming, because the survivor benefit carries over his delay credits.
Topic: Retirement incomenber.org
Editorial
How we choose
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More in our editorial standards.