What’s the most important thing your retirement plan should do?

The #1 answer according to 1,000 Americans surveyed is to provide guaranteed monthly income to cover living expenses throughout retirement.1

Survey shows what matters most1

The answers show that the vast majority of people picked income every month as their first choice.
Lifetime income survey results
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Where do you stand?

We found out many Americans are saving for a long retirement – 20 to 25 years, or even longer.1 But many don’t know how much money they’ll have every month in retirement. Do you?
You can find out with our Retirement Income Planner.
Get the basics

of Americans underestimate how much money they’ll need in retirement1

Experts say you may need at least 70% of your current income. A TIAA annuity may help you get there.

Guaranteed interest.2 Plus income for life.3

We have an impressive track record.


We haven’t missed a payment in our 99 years of business.4


TIAA Traditional Annuity has increased retiree income payment amounts 13 years out of the past 20.
*Additional amounts are not guaranteed.

High rankings

67% of our variable annuities are ranked above industry average by an independent firm.5
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Creating lifetime income with annuities

There are a few things you might not know about annuities.
1 Source: 2016 TIAA Lifetime Income Survey. The survey was conducted by KRC Research by phone among a national random sample of 1,000 adults, age 18 years and older, from June 7 to June 16, 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.
2 For fixed annuity products only. Guarantees are based on claims paying ability of the issuing company. Additional amounts may be paid and are not guaranteed. Additional amounts, when declared, remain in effect for the "declaration year" that begins each March 1 for accumulating annuities and January 1 for lifetime payout annuities. Additional amounts are not guaranteed for future years. The TIAA Traditional Annuity has credited additional amounts every year since 1948.. TIAA Traditional is a guaranteed insurance contract and not an investment for Federal Securities Law purposes.
3 Some TIAA products and services are only available to employees and retirees (and their spouses) of nonprofit colleges and universities, public and private nonprofit elementary and secondary schools, teaching hospitals, museums, libraries and other nonprofit institutions.
4 Since 1918, TIAA-CREF participants have received a total of $431 billion in annuity payments and other benefits. As of 12/31/2016. Other benefits from TIAA and CREF include: additional amounts paid on TIAA Traditional annuity contracts above the guaranteed rate, surrender benefits and other withdrawals, death benefits, health insurance and disability insurance benefits, and all other policy proceeds paid.
This material is for informational or educational purposes only and does not constitute a recommendation or investment advice in connection with a distribution, transfer or rollover, a purchase or sale of securities or other investment property, or the management of securities or other investments, including the development of an investment strategy or retention of an investment manager or advisor. 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 in consultation with an investor’s personal advisor based on the investor’s own objectives and circumstances.