Retirement account annuities

If interested call 800-842-2252 to speak with a consultant.
Get the Basics

How an annuity fits into your retirement plan

Save while you work, then get lifetime income1


If offered by your employer, annuities can provide a way to save on your taxes while you’re working – and give you the option to receive retirement income for life.
An annuity may provide income for as long as you live – even when your other retirement savings run out.1 Check with your employer’s benefits office to see if your employer plan offers annuities.
Get the Basics

How can a retirement account annuity help you?

Build your nest egg

Contributing to an annuity during your working years can potentially help you build a nest egg.

Provide income

Income from an annuity can help supplement Social Security and can provide income long after other savings run out.

Instill confidence

Knowing that you have income for life after you retire, no matter how long you live, can instill confidence.1
Our Options

Fixed or variable annuity?

Fixed*

  • You will not lose the money you put in or interest earned, guaranteed
  • You will earn interest every day
  • Get income payments for life or the period you select1
  • There may be restrictions on withdrawing or transferring the money you put in
 

Variable*

  • More investment options providing market returns
  • Shift money among investments as needed
  • Get income payments for life, or the period you select, that change based on market performance
  • No penalties or surrender charges on withdrawals or transfers

    Our annuity lineup

    Fixed annuities

    RETIREMENT ACCOUNT ANNUITIES

    TIAA Traditional

    Our flagship fixed annuity since 1918 protects your principal and earnings1 - with highly competitive interest rates - setting a solid foundation for your retirement.
    RETIREMENT ACCOUNT ANNUITIES

    TIAA Stable Value

    This fixed annuity provides protection from market ups and downs with flexible withdrawal options, including the option for lifetime income.1

    Variable annuities

    RETIREMENT ACCOUNT ANNUITIES

    The CREF Accounts

    We invented the variable annuity in 1952 when we launched CREF Stock Account. Since then, we’ve built other variable annuities to help you plan for lifetime income.2 Choose from equity, fixed income and diversified accounts across all major domestic and international markets.
    RETIREMENT ACCOUNT ANNUITIES

    TIAA Real Estate Account

    A unique variable account that invests directly in commercial real estate and loans.
    RETIREMENT ACCOUNT ANNUITIES

    TIAA Access

    A variable annuity option with many investment choices from TIAA and other fund managers.
    WHY US

    We do annuities differently

    TIAA has an impressive track record.
    Contact Information

    Need help to decide?

    If interested, call us.

    We’re here to help.
    800-842-2252
    Weekdays, 8 a.m. – 10 p.m. (ET)
    Saturday, 9 a.m. – 6 p.m. (ET)

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    Discover more

    ANNUITIES

    Personal annuities

    Save more than allowed by your employer’s plan.
    Calculator

    Need to fill an income gap?

    See how much an annuity can help.
    PRODUCTS

    IRAs

    Find out about our flexible Individual Retirement Account.
    PRODUCTS

    Save for college

    Consider saving for college with a 529 college savings plan.
    1 Any guarantees under annuities issued by TIAA are subject to TIAA's claims-paying ability. Payments from the variable accounts will rise or fall based on investment performance.
     
    2 Payments will fluctuate based on the performance of the underlying accounts.
     
    3 Annuity account options are available through contracts issued by TIAA or CREF. These contracts are designed for retirement or other long-term goals, and offer a variety of income options, including lifetime income. Payments from the variable annuity accounts are not guaranteed and will rise or fall based on investment performance.

    4 Morningstar ratings are based on each mutual fund or variable annuity account’s lowest-cost share class and include U.S. open-end mutual funds, CREF Variable Accounts and the Life Funds. For a fund or account with multiple share classes and the same pricing, the share class with the longest performance history is used. The Morningstar Rating™ – or “star rating” – is calculated for managed products (including mutual funds, variable annuity and variable life subaccounts, exchange-traded funds, closed-end funds and separate accounts) with at least a three-year history. Exchange-traded funds and open-ended mutual funds are considered a single population for comparative purposes. The rating is calculated based on a Morningstar Risk-Adjusted Return measure that accounts for variation in a managed product's monthly excess performance, placing more emphasis on downward variations and rewarding consistent performance. Morningstar ratings may be higher or lower on a monthly basis. The top 10% of funds or accounts in each product category receive five stars, the next 22.5% receive four stars and the next 35% receive three stars. The overall star ratings are Morningstar’s published ratings, which are derived from weighted averages of the performance figures associated with the three-, five-, and 10-year (if applicable) Morningstar rating metrics for the period ended March 31, 2017 . Morningstar is an independent service that rates mutual funds. Past performance cannot guarantee future results. For current performance and ratings, please visit TIAA.org/public/investment-performance.

    64% of TIAA-CREF’s funds and variable annuity accounts received a Morningstar overall rating of 4 or 5 stars ( 36.84% 4 stars and 27.63% 5 stars ), based on risk-adjusted returns as of March 31, 2017 . Conversely, only 5% of our funds and accounts have less than a 3-star rating, which speaks to the overall strength of our platform.
     
    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.

    Any guarantees under annuities issued by TIAA are subject to TIAA's claims-paying ability. TIAA Traditional and TIAA Stable Value are guaranteed insurance contracts and not an investment for federal securities law purposes."
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