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 advice1 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 investment options.

TIAA RetireIncome

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 our suite of TIAA RetireIncome solutions offering low-cost annuities that let you turn your savings into monthly payments you can’t outlive.5

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

88% of TIAA-CREF mutual funds and CREF variable annuities have expense ratios below the median of their respective Morningstar categories6

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 $545 billion in benefits since 1918.7
A perfect record Zero missed payments to our retirement plan participants. Ever.8
TIAA #1 not-for-profit retirement market provider in assets.9

Advice is obtained using an advice methodology from an independent third-party.

2 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.

3 Any guarantees under annuities issued by TIAA are subject to TIAA’s claims-paying ability.

4 Payments from the variable annuity accounts are not guaranteed and will rise or fall based on investment performance.

5 Converting some or all of your savings to income benefits (referred to as "annuitization") is a permanent decision.  Once income benefit payments have begun, you are unable to change to another option. 

6 Based on Morningstar Direct (as of December 31, 2022) expense comparisons by category, excluding Money Market products. Actual percentage is 88.13%. 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.

7 As of December 31, 2022

8 As of 12/31/2022

9 PLANSPONSOR 2022 Recordkeeping Survey, July 21, 2022

Certain products and services are only available to eligible individuals.

This material is for informational or educational purposes only and does not constitute fiduciary investment advice under ERISA, a securities recommendation under all securities laws, or an insurance product recommendation under state insurance laws or regulations. 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.

Any guarantees under annuities issued by TIAA are subject to TIAA’s claims-paying ability.

Advice is obtained using an advice methodology from an independent third-party.