Why we're different

Our approach to retirement

We offer lifetime income options and personalized advice with our retirement plans as part of our commitment to help make sure you won’t outlive your retirement savings.
Retirement planning

Advice only TIAA can give you

Making decisions about your money and your future isn’t easy. That’s why we offer personalized advice at no added charge.
advice only TIAA can give you: personal, objective, specific, dependable
Lifetime income

We’re here to help you pursue a lifetime of financial well-being

Everyone’s vision of retirement is different, including ours. We provide lifetime income through low-cost annuities, which let you turn your savings into monthly payments you can’t outlive.
Our fixed and variable annuities give you the choice between guaranteed lifetime income and other flexible income options.
Low Costs
TIAA annuities are generally less than half the industry average. 2
We invented the variable annuity and offer 8 types - with options to invest in real estate and socially responsible companies.
Lifetime income

We believe that retirement income shouldn’t come with an expiration date

In July 1959, Dr. Henry H. Hosford, a retired Case Western University professor, became our first participant to turn 100. Since then, we’ve celebrated 100th birthdays with thousands of participants, who can rely on us for support for the rest of their lives.

Every day one of our annuity recipients turns 100 and we've been with them the whole way.

Proven track record

We don’t consider ourselves successful unless you’re successful

We’re proud to have helped millions of people like you not only retire, but generate the income to help them live the life they envision in retirement. You’re working hard and making sacrifices for your future and we’re here to help make sure you can enjoy it.
TIAA has over
100 years
of experience helping people retire.
TIAA has paid out over
$426  billion
in benefits since 1918.3
A perfect record
missed payments to our retirement plan participants. Ever.4
in assets among all financial firms in serving the not-for-profit and K-12 retirement markets.5
1  As with all mutual funds, the principal value of a Lifecycle Fund isn’t guaranteed at any time and will fluctuate with market changes.The target date approximates when investors may plan to start making withdrawals. However, you are not required to withdraw the funds at that target date. After the target date has been reached, some of your money may be merged into a fund with a more stable asset allocation.
Target date funds share the risks associated with the types of securities held by each of the underlying funds in which they invest. In addition to the fees and expenses associated with the target date funds, there is exposure to the fees and expenses associated with the underlying mutual funds.
2 Applies to mutual fund and variable annuity expense ratios. Source: Morningstar Direct, December 31, 2018. 79% of TIAA-CREF mutual fund products and variable annuity accounts have expense ratios that are in the bottom quartile (or 97.25% below median) of their respective Morningstar category.
Our mutual fund and variable annuity products are subject to various fees and expenses, including but not limited to management, administrative, and distribution fees; our variable annuity products have an additional mortality and expense risk charge.
3 As of 12/31/17. Other benefits from TIAA and CREF include: additional amounts paid on TIAA Traditional annuity contracts above the guaranteed rate, surrender benefits and other withdrawals, death benefits, health insurance and disability insurance benefits, and all other policy proceeds paid.
4 As of 12/31/18
5 Based on data from 28 providers in PLANSPONSOR magazine’s 2018 403(b) and 457 Buyers Guide, assets as of 12/31/17.
Certain products and services are only available to eligible individuals.
This material is for informational or educational purposes only and does not constitute investment advice under ERISA. This material does not take into account any specific objectives or circumstances of any particular investor, or suggest any specific course of action. Investment decisions should be made based on the investor’s own objectives and circumstances.
You should consider the investment objectives, risks, charges and expenses carefully before investing. Please call 877-518-9161 or go to www.TIAA.org/prospectuses for current product and fund prospectuses that contain this and other information. Please read the prospectuses carefully before investing.
Past performance does not guarantee future results. Certain funds have fee waivers in effect. Without such waivers ratings could be lower. For current performance and rankings, please visit the Research and Performance section on TIAA.org.