Building a solid foundation for your retirement

Speak to an Advisor for more information


The risk of outliving retirement savings can be one of the biggest challenges we face. However, with smart planning, you can build the financial groundwork to receive income in retirement that will last no matter how long you live.

Guaranteed income—the foundation of a secure retirement

Guaranteed income can be the foundation of a worry‐free retirement for you and your loved ones. By determining the gap between your expected guaranteed income sources and your basic living expenses (e.g. food, housing, health care); you can then develop a plan to cover shortfalls.

Income you can't outlive—guaranteed

So how can you protect yourself and your loved ones? The risk of outliving your savings can be diminished by using an annuity. An annuity is the only retirement savings option that offers income you can't outlive. Income payments are guaranteed for life and are backed by the financial strength of the issuing insurance company.1 Annuities can also offer flexible payment options and survivor‐benefit elections in many cases, including:

  • Blending lifetime income with other options such as periodic cash withdrawals
  • Payments to loved ones after you pass

Certainty—a safe and predictable stream of income

Market volatility can have a dramatic impact on your assets' value and leave you less prepared for retirement. A fixed annuity can eliminate some of your concerns by:

  • Paying you guaranteed interest while you save
  • Reducing the effects of market downturns on your retirement savings portfolio
  • Providing you a predictable income stream for life

Peace of mind—maintaining your standard of living

TIAA Traditional Annuity is a guaranteed annuity product issued by Teachers Insurance and Annuity Association (TIAA), New York, NY.2 It can offer the peace of mind and certainty of lifetime income that can help to cover your basic, everyday living expenses in retirement. In up and down markets, TIAA Traditional preserves the value of your savings and offers competitive interest rates during the accumulation phase.3

Talk with your TIAA advisor

Consider a TIAA Traditional Annuity. To learn more about annuities and how to pursue a financially secure retirement, call your TIAA advisor.


Interested in your rates?

See your current crediting and historical rates


View rates


Important product informationOpens dialog

Take Action

Call us

We're here to answer your questions and guide you towards the right solution.​


Weekdays, 8 A.M. to 10 P.M. (ET)

Schedule an appointment​

You can schedule a time convenient for you to meet with a financial professional.​

Read more in Perspectives​

Get financial and investment insights from TIAA experts​.

1 Guarantees are based on the claims paying ability of the issuing company.

2 All guarantees are based on TIAA's claims‐paying ability. TIAA Traditional is a guaranteed insurance contract and not an investment for federal securities law purposes. Past performance is no guarantee of future results.

3 Interest credited to TIAA Traditional Annuity accumulations includes a guaranteed rate, plus additional amounts as may be established on a year‐by‐year basis by the TIAA Board of Trustees. The additional amounts, when declared, remain in effect through the "declaration year", which begins each March 1 for accumulating annuities and January 1 for payout annuities. Interest in excess of the guaranteed amount is not guaranteed for periods other than the period for which it is declared. Withdrawals and transfers out will reduce account balances. In addition, under Group Retirement Annuity and Retirement Choice contracts a surrender charge of 2.50% is assessed against withdrawals taken from TIAA Traditional within 120 days after termination of employment.

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.

Advisory services are provided by Advice & Planning Services, a division of TIAA-CREF Individual & Institutional Services, LLC, a registered investment adviser.

TIAA Traditional is a fixed annuity product issued through these contracts by Teachers Insurance and Annuity Association of America (TIAA), 730 Third Avenue, New York, NY, 10017: Form series including but not limited to: 1000.24; G-1000.4; IGRS-01-84-ACC; IGRSP-01-84-ACC; 6008.8. Not all contracts are available in all states or currently issued.