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.
Retirement planning
Three key questions
“By the end of a meeting, we hope to have answered three key questions for a client:
How much do I need to be saving for retirement?
Which investments should I choose?
When can I retire?”
Alden Wonell | Financial Consultant
TIAA employee since 2013
TIAA employee since 2013
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
TIAA annuities are generally less than half the industry average. 1
A HISTORY OF INNOVATION
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 almost | 100 years | of experience helping people retire. |
| TIAA has paid out over | $370 billion | in benefits since 1918. |
| A perfect record | Zero | missed payments to our retirement plan participants. Ever. |
| TIAA | #1 | in assets among all financial firms in serving the not-for-profit and K-12 retirement markets.3 |
Certain products and services are only available to eligible individuals.
The expense ratio on all mutual fund products and variable annuity accounts managed by TIAA-CREF is generally less than half the mutual fund industry average. Applies to mutual fund and variable annuity expense ratios. Source: : Morningstar Direct, March 31, 2017. The expense ratio on all mutual fund products and variable annuity accounts managed by TIAA-CREF is generally less than half the mutual fund industry average. 60% are less than half their respective Morningstar Universe average and 50% are less than half their respective Morningstar Universe median.
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.
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.
The Lipper Large Fund Award is given to the group with the lowest average decile ranking of three years’ Consistent Return for eligible funds over the three-year period with at least five equity, five bond, or three mixed-asset portfolios. Note this award pertains to mutual funds within the TIAA-CREF group of mutual funds; other funds distributed by Nuveen Securities were not included. From Thomson Reuters Lipper Awards, © 2017 Thomson Reuters. All rights reserved. Used by permission and protected by the Copyright Laws of the United States. The printing, copying, redistribution, or retransmission of this Content without express written permission is prohibited. Past performance does not guarantee future results. Certain funds have fee waivers in effect. Without such waivers ratings could be lower. For current performance, rankings and prospectuses, please visit the Research and Performance section on TIAA.org. Nuveen Securities, LLC, member FINRA and SIPC.
This material is for informational or educational purposes only and does not constitute a recommendation or investment advice in connection with a distribution, transfer or rollover, a purchase or sale of securities or other investment property, or the management of securities or other investments, including the development of an investment strategy or retention of an investment manager or advisor. 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 in consultation with an investor’s personal advisor based on the investor’s own objectives and circumstances.
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.
1 As with all mutual funds, the principal value in a Lifecycle Fund is not guaranteed. Also, please note that the target date of the Lifecycle Fund is an approximate date when investors may plan to begin withdrawing from the fund.
Lifecycle 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 these funds, there is exposure to the fees and expenses associated with the underlying mutual funds as well.
2 Guarantees subject to the claims-paying ability of the issuing company.
3 Source: LIMRA Secure Retirement Institute, Not-for-Profit Market Survey, fourth-quarter 2016 results. Based on a survey of 26
companies; TIAA assets by market segment estimated; segment breakdown based on 17 companies. Market share ranking does not
reflect current investment performance.
companies; TIAA assets by market segment estimated; segment breakdown based on 17 companies. Market share ranking does not
reflect current investment performance.
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