Why TIAA

Why we’re different

You have to be different to make a difference

Who we serve
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Meet the TIAA Difference Maker 100

To mark our 100th year, we honored extraordinary people making a positive impact in their communities.
Performance
Low costs

You’re valuable to us, so we offer value for your goals

No matter what you’re up to—we can help support it. That’s why our fees are low and so many of our services are offered at no additional cost.
Investments 
80% 
of our mutual funds and annuities cost less than comparable investments3
Advice
Included
Personalized financial advice for retirement included with your plan
Insights
No additional cost
1:1 consultations, online resources, and supportive communities
Brokerage
Free
No monthly maintenance fees or account minimums
Retirement planning

Making sure your money lasts is our priority

It’s all about you and your unique vision for retirement. We’ll follow your lead, create a personalized plan, and help you make changes over time.

Knowing where you stand today

We can help you understand whether you’re on track for the retirement you envision.

Creating a personalized plan

We take the time to understand your values and goals, then help you create a plan to move towards retirement.
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Helping meet your goals

We provide ways to help take your retirement savings to the next level.
Awards & recognition

We’re not in it for the trophies, but it’s nice to be recognized for how we’re different

We focus on driving performance and helping our customers pursue their own goals while staying true to our mission and values. The recognition we receive isn’t only about how we perform; it’s also about who we are and what we believe.
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.
Certain products and services are only available to eligible individuals.
1 Morningstar ratings are based on the institutional share class for each mutual fund and include U.S. open-end mutual funds. The top 10% of funds in an investment category receive five stars, the next 22.5% receive four stars and the next 35% receive three stars. Morningstar proprietary ratings reflect historical risk-adjusted performance and can change every month. They are calculated from the fund's three-, five- and ten-year average annual returns in excess of 90-day Treasury bill returns with appropriate fee adjustments, and a risk factor that reflects fund performance below 90-day T-bill returns. The overall star ratings are Morningstar's published ratings, which are weighted averages of its three-, five- and ten-year ratings for periods ended March 31, 2019. Morningstar is an independent service that rates mutual funds. Past performance cannot guarantee future results. For current performance and rankings, please visit TIAA.org/public/investment-performance.
2 As of 12/31/18. Other benefits from TIAA include: surrender benefits and other withdrawals, death benefits, health insurance and disability insurance benefits, and all other policy proceeds paid.​
3 Applies to mutual fund and variable annuity expense ratios. Source: Morningstar Direct, March 31, 2019. 80% of TIAA-CREF mutual fund products and variable annuity accounts have expense ratios that are in the bottom quartile (or 97.86% 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.
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