TIAA 2016 IRA Survey1
Many Americans aren’t sure how IRAs can supplement their investment strategy. But with education, planning and personalized support, the right IRA can help you meet a number of goals. Not sure what an IRA is? Let us break it down for you.

What would you do with an extra $5,000?

More people would rather put extra money toward planning their next vacation than investing in a new or existing IRA.
IRA Survey Bar Graph
Our survey found that 94% of people are missing out on a way to save for retirement that could also help them save on taxes.

IRAs can help you plan for your retirement


of those with an IRA will use it to help cover living expenses in retirement.

There are different types of IRAs. Each has its own benefits. We’ll help you find the one that’s right for you.
Not ready to select? We’ll help you on the phone. Call 844-TIAA-IRA.
Each IRA is different

38% of Americans think all IRAs are the same

TIAA IRAs are different.

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Advice and guidance
Choose a TIAA IRA that offers access to advice and guidance to help you figure it all out.
Access thousands of investments – both TIAA and non-TIAA mutual funds, stocks, bonds, annuities, CDs and ETFs.
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Low costs
Expenses on our mutual funds and annuities are generally less than half the mutual fund industry average, so more money stays in your account.2
Consolidation is key

25% of Americans have "left behind" retirement accounts from former jobs

Consider rolling over your old retirement accounts to a TIAA IRA to help simplify your retirement savings.3

Need help to decide?

Have questions?

We’re here to help.
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You should consider the investment objectives, risks, charges and expenses carefully before investing.  Please call 877-518-9161or log on to for product and fund prospectuses that contain this and other information. Please read the prospectuses carefully before investing.
1The survey was conducted by KRC Research by phone among a national random sample of 1,003 adults, age 18 years and older, from Feb. 18 to 21, 2016, using a combination of landline and cell phone interviews. The margin of error for the entire sample is plus or minus 3.1 percentage points.
2Applies to mutual fund and variable annuity expense ratios. Source: Morningstar Direct, March 31, 2016. 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. 70% are less than half their respective Morningstar Universe average and 63% are less than half their respective Morningstar Universe median.
3Before rolling over assets, consider your other options. You may be able to leave money in your current plan, withdraw cash or roll over the assets to your new employer’s plan if one is available and rollovers are permitted. Compare the differences in investment options, services, fees and expenses, withdrawal options, required minimum distributions, other plan features, and tax treatment. Speak with a TIAA consultant and your tax advisor regarding your situation. Learn more at .
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.