Tiaa brokerage accounts
Personalize your world of investing.
Position your money for growth potential. TIAA Brokerage accounts are designed to help you achieve your financial goals, whether you're brand new to investing or have been trading for years.
What is a brokerage account?
A brokerage account lets you buy a variety of investment assets, such as mutual funds, stocks, exchange-traded funds (ETFs), bonds and more. Brokerage accounts are generally less restrictive than IRAs or retirement accounts: They have no contribution limits, and you can withdraw your money at any time for any reason. However, brokerage accounts are often not tax advantaged—you may have to pay taxes on any earnings you receive.
A brokerage account may be right for you if you prefer to invest on your own, feel confident making investment decisions and have the time to manage your account. If managing your own portfolio isn’t for you, consider our
Tiaa brokerage overview
Your portfolio, your goals, your style
Easy to manage
Open an account in minutes. Fund, buy and sell 24/7 with our robust digital tools, including the TIAA app.
Investments for everyone
Choose from thousands of stocks, ETFs, bonds, CDs and mutual funds.
No maintenance fees
No cost or minimums to open. No commission for online stocks, ETFs and option trades.1
Your decisions, with help
Get support from our brokerage specialists, plus access to powerful research tools.
Investment options
Featured investments
Manage risk on your terms.
An alternative to individual mutual funds, lifestyle funds provide one diversified fund that matches your risk tolerance.2
Align your investments with your values.
Responsible investment funds seek competitive returns while promoting economic development, a healthier environment and a positive impact in society.3
Target your retirement date.
Pick the fund with a year closest to when you plan to retire. It will automatically adjust to become more conservative over time. These are commonly known as target date funds.2
All brokerage investment options
Brokerage investment options
With a TIAA Brokerage account, you have the flexibility to invest for a variety of specialized goals.
Mutual funds
A collection of investments in a single fund.
Certificates of deposit (CDs)
An investment that pays a fixed interest rate on money held for an agreed-upon period.
ETFs
Different types of investments bundled together to trade on various stock exchanges.
Stocks
An investment representing a share of ownership in a company.
Bonds
A loan made by an investor to a borrower, usually in exchange for a fixed interest payment.
Brokerage cash sweeps
Uninvested cash in your brokerage account is stored in FDIC-insured accounts or money market funds.
How it works
How to invest with TIAA Brokerage
It only takes a few minutes to open a brokerage account online.
Open your account.
A U.S. resident can open a TIAA Brokerage account—you don’t need to be TIAA customer. You can do so online or give us a call at 800-842-2252, weekdays, 8 a.m. to 7 p.m. ET.
Transfer funds.
Start with a lump sum of money in your account or add to it over time. You can transfer money into your account through a bank transfer, check, direct deposit and more.
Research investments.
TIAA Brokerage gives you access to industry-leading research services, where you can see real-time quotes and performance data, screen and compare choices, and view bond and CD inventory.
Begin investing.
Whether you want to deposit or withdraw, trade, research or simply check your status, our online tools make it easy to take control of your investing.
Enlist the help of pros.
Don’t want to do it yourself? Let go of investment management responsibilities and gain a lifelong financial partner with TIAA managed accounts. Get personalized portfolio management tailored to your lifestyle and goals.
What people ask us.
How do I fund my brokerage account?
You can fund your TIAA Brokerage account in various ways: by bank transfer or wire, check deposit, or direct deposit; by transfer from individual retirement accounts (IRAs) and other types of retirement accounts; by moving money from another firm; or through a stock certificate.
What fees does TIAA Brokerage charge?
We seek to keep our fees low, making investing accessible.
- No cost or minimum to open
- No commission for online stocks, ETFs and option trades
- No annual fees
How much you pay for your brokerage account can vary, depending on what types of investments you choose or if you work with a TIAA Wealth Management Advisor.
How do I manage my TIAA Brokerage account?
TIAA Brokerage offers robust digital account management online and via the TIAA mobile app. With 24/7 access, you can manage your account from the comfort of your home, your favorite restaurant or gym—or even while you travel.
- Get a consolidated view. Get a clear picture of your financial outlook and view your brokerage and other TIAA accounts together, including IRAs.
- Research. Access our robust suite of online tools and resources to locate and research investments.
- Fund. Initiate online bank transfers to and from eligible brokerage accounts.
- Transact. We make it easy for you to perform transactions at your convenience.
Whether you want to make a deposit or withdrawal, place trades, learn more about an investment or simply check on your account status, log in to your
Learn more
Continue learning: Brokerage tools and resources
TIAA Brokerage fees
TIAA Brokerage aims to keep costs low—fees depend on your investments and if you work with a Wealth Management Advisor.
Brokerage terms and definitions
Investing comes with a lot of specialized terms. Get definitions, learn what acronyms stand for and more.
Brokerage forms library
We make it easy to find and download the forms you need for your account.
Need more information?
Schedule a complimentary meeting with one of our team members or consultants, who will answer all your questions and guide you on next steps.
Call 800-842-2252, or schedule a time with us.
1 There is no account fee to open a TIAA Brokerage account; however, brokerage transaction fees may apply. In addition, investors are subject to the underlying funds’ portfolio management fees and expenses.
2 As with all mutual funds, the principal value of a Lifecycle Fund isn’t guaranteed at any time, including at the target date, 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. 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 the Lifecycle Funds, there is exposure to the fees and expenses associated with the underlying mutual funds.
3 Responsible investing incorporates Environmental Social Governance (ESG) factors that may affect exposure to issuers, sectors, industries, limiting the type and number of investment opportunities available, which could result in excluding investments that perform well.
This material is for informational or educational purposes only and is not fiduciary investment advice, or a securities, investment strategy, or insurance product recommendation. This material does not consider an individual’s own objectives or circumstances which should be the basis of any investment decision.
Advisory services are provided by Advice & Planning Services, a division of TIAA-CREF Individual & Institutional Services, LLC, a registered investment adviser.