Get the basics

Give your retirement savings a boost

Met your match with your employer’s retirement plan? An IRA can help you save, while offering tax benefits too. You can also roll over1 other retirement accounts – other IRAs, 401(k) or 403(b) plans from past jobs – and manage all your retirement savings in one place.
Explore your rollover options.
Get the basics

What is an IRA?

We know financial products can be confusing. Let us break it down for you.

Think of an IRA like a box you can use to save for retirement. Investments like annuities, mutual funds, bonds and stocks are what you collect in your box over the years.

Step One First pick the type of IRA you want to use as your box — Roth or Traditional.

Compare IRAs
Step Two Choose investments to put in your IRA. You can always change the investments in your box.

See your choices
Step Three Decide how much money you want to put in your box for now. You can contribute up to $5,500 into your IRA and $6,500 if you’re over 50 (for tax year 2016). Roth IRA contributions may be limited by your income.
TIAA Options

Find an IRA that’s right for you


Traditional IRA

Save on taxes today

Contributions are often tax deductible.

Roth IRA


Save on taxes later

Withdrawals can be tax free in retirement.
Retirement Plans


Small business IRAs

Save for retirement for yourself and/or your employees.

Keep it simple with an IRA rollover

Consider moving your money from old jobs to one place and simplify your life.
Help me choose

Traditional or Roth?
Find out which IRA might be right for you.

Answer a few simple questions to find out which IRA makes sense for you.
First: How old will you be at the end of this year?
Your age helps decide if (and how much) you can contribute to an IRA.

What makes TIAA IRAs so special?

Advice and guidance at no additional cost to help you figure everything out2

A virtually unlimited array of investments

Flexible retirement income options

1 Get details on eligibility requirements
Take Action

Get Started

Open an IRA today.

Already have an IRA from TIAA?

You can contribute up to $5500 into your IRA and $6500 if you’re over 50 (for tax year 2016). Roth IRA contributions may be limited by your income.

Give us a call

We’re here to help.
Weekdays, 8 a.m. – 7 p.m. (ET)

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"TIAA is instrumental in helping me make the right decisions for my portfolio."

Kristin Austin
University administrator
Participant since 20143

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1Before 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 .
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