TIAA Traditional

Guaranteed growth. Plus income for life.

TIAA Traditional* guarantees your investment1 will grow at a set rate and can pay you income for life after you retire.
Call 800-842-2252 to speak with an advisor.
* Issued by Teachers Insurance and Annuity Association of America, New York, NY

TIAA Traditional basics

If your employer offers TIAA Traditional, your account will grow with interest every day.

Put money in

  • Through your employer’s retirement plan or an IRA
  • For the long term
  • To protect your principal
  • To get a competitive interest rate through all market conditions
  • To build your guaranteed income for retirement1

Take money out

  • As a stream of lifetime income payments
  • Periodic payments or lump-sum withdrawals*

Think of TIAA Traditional as a safety net for your retirement

STEP ONE Contribute early and often  to your employer's retirement plan or your IRA.
STEP TWO Take comfort in competitive interest rates through all market conditions.
STEP THREE Convert some or all of your savings into retirement income that you can’t outlive.1
STEP FOUR Enjoy your retirement with lifetime income that has potential for increases to help offset inflation.2

Your grandparents had pensions. You have TIAA Traditional.


TIAA Traditional guarantees that the value of your savings will increase every day.

Income for life

You choose when and how much to convert to lifetime income.

Peace of mind

Help cover your everyday expenses with guaranteed lifetime income.1

Is this annuity right for you?

Can be good if you care about

  • Maximum safety: Preserving your principal
  • Competitive interest rates
  • Income you can’t outlive
  • Potential increases in lifetime income to help offset inflation2

    Extra payments in retirement

    Our focus on long-term investing means we have provided higher returns in retirement.
    *Who says TIAA balances are #1?

    TIAA Traditional Annuity - Retirement Choice

    TIAA Traditional guarantees your principal and has provided a competitive interest rate every year.1
    As of June 30, 2016

    Get started now with TIAA Traditional

    If you have a retirement plan with TIAA Traditional, or an IRA with TIAA, you can put money into TIAA Traditional.

    Already with TIAA?

    Start saving in TIAA Traditional by updating your funding options online.

    New to TIAA?

    Make sure you’re taking full advantage of your employer’s retirement plan.

    Want to talk first?

    No problem—our advisors can help explain your options.
    Call us at 800-842-2252

    Discover more


    We are all about trust

    We made the list of most ethical financial companies by Ethisphere Institute.3

    Manage all your money in one place

    Log in to your TIAA account and sign up for our 360° Financial View tool.

    Investing 101

    Online guidance to help you make sense of your options.


    Consider opening an Individual Retirement Account with TIAA. You’ll like your investment options.
    1 Guarantees are based on claims paying ability of the issuing company. Additional amounts may be paid and are not guaranteed.

    2 TIAA Traditional provides for a minimum rate of interest and for additional amounts as declared by the TIAA Board.  Such additional amounts, when declared, remain in effect for the “Declaration Year” which begins each March 1.  TIAA Traditional is a guaranteed insurance contract and not an investment for Federal Securities Law purposes.

    3 The World’s Most Ethical Companies is a distinction by Ethisphere Institute that honors superior achievements in transparency, integrity, ethics and compliance. TIAA was named on Ethisphere's most ethical financial companies in 2015.