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
Investment choices

Investments that suit your unique style

Everyone’s vision of retirement is different, including yours. We’re here to help you pursue your personal retirement vision, with our low-cost, award-winning investment options.

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.

Income options for every need

Our fixed and variable annuities give you the choice between guaranteed lifetime income and other flexible income options.

Low costs

Over 90% of TIAA-CREF mutual funds and CREF variable annuities have expense ratios below the median of their respective Morningstar categories2

A history of innovation

We invented the variable annuity and offer 10 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 $505 billion in benefits since 1918.3
A perfect record Zero missed payments to our retirement plan participants. Ever.4
TIAA #1 not-for-profit retirement market provider in assets and participant accounts.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 Based on Morningstar Direct (as of December 31, 2020) expense comparisons by category, excluding Money Market products. Actual percentage is 92.66%. TIAA-CREF mutual fund and CREF 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. Excludes the class W shares, which are not available for purchase by retail investors.

3 As of December 31, 2020. Other benefits from TIAA include: surrender benefits and other withdrawals, death benefits, health insurance and disability insurance benefits, and all other policy proceeds paid.

4 As of 12/31/2020.

5 Based on data from 56 providers in PLANSPONSOR magazine’s 2019 DC Recordkeeping Survey, combined 457, 403(b) and money purchase plan data as of December 31, 2018.

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.

The performance data quoted represents past performance, and is no guarantee of future results. Your returns and the principal value of your investment will fluctuate so that your accumulation units or shares, when redeemed, may be worth more or less than their original cost. Current performance may be lower or higher than the performance quoted within. For the most recent month end performance, visit the TIAA website at https://www.tiaa.org/public/tcfpi/InvestResearch or call 877-518-9161.