IRA Options

Opening a Roth, Traditional or Rollover IRA?

Find the IRA option that's right for you and take advantage of the tax benefits. Not sure which one to pick? Decide which IRA is right for you.
IRA style

Traditional IRA

Allows you to deduct your contributions starting this year.2
IRA style

Roth IRA

Contribute after taxes, but withdrawals are tax-free in retirement.
Funding option

Start a rollover

Moving money from your old retirement account to any TIAA IRA?1

Our IRAs give you flexibility and convenience – pick an option that works best for you

You can manage your own IRA or if you have more complex needs, TIAA's investment professionals can help you.

Do it yourself

  • No minimum required to open an IRA account; no annual fees3
  • A broad array of investment choices including pre-built portfolios
  • Support at your fingertips – with online planning tools or by phone
  • Fast and easy account opening

Managed for you3,4

  • Investment minimum starting at $5,000
  • Customizable investment options
  • Tell us your goals and preferences and we do the rest
  • Ongoing portfolio management to keep you on track
  • Fast and easy account opening
Choose an IRA

Which IRA is right for you?

Answer a few simple questions to find out which IRA may make 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.
Next: How do you file your taxes?

TIAA IRAs give you plenty of options with lots of support

Tax advantages and guidance
Find an IRA that fits your tax strategy — now and in the future.
Flexible options
You get access to many investments and can get help to find the right mix for you.
Lifetime income
TIAA lets you invest in annuities in your IRA, which can provide income in retirement.5,6
Easy funding and withdrawals
You choose how to invest and withdraw your money. We'll help you understand the rules.
Take action

We're here to help you

Weekdays, 8 a.m. – 7 p.m. (ET)
1 Prior to rolling over, consider your other options. You may also 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 .
2 Income limitations may apply.
3 Other fees, expenses, and minimums do apply to an investment in a fund or variable annuity and are described in the prospectus.
4 TIAA managed account services provide discretionary investment management services for a fee.
5 Certain products and services are only available for eligible individuals.
6 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.
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.