Want to roll over to an existing TIAA IRA?
Get the basics

IRA rollover basics

Rollovers move retirement savings from one retirement account to another.
There’s no limit on how much money you can roll over.2
The easiest way to roll over is to transfer directly from one institution to another.
If you take money directly out of your retirement plan or IRA (for example, you receive a check made out to you) you can still roll it into a new IRA, but things get more complicated.
For example, you’ll need to roll over within 60 days and you may be faced with tax withholding or penalties.

Know your options

What you do with the money in your old retirement plan can significantly impact tomorrow's income.
Keep it where it is You can leave your money where it is. Take it with you You can transfer your money into your new employer’s plan. Roll it into an IRA You can roll it into an IRA. Cash it out You can take a cash withdrawal.

What makes TIAA IRAs different?

Advice and support to help you figure everything out - at no additional cost

A wide array of investments

Flexible retirement income options

Learn More
Next steps

Why a rollover?

A simpler picture

Keeping your retirement savings in one place may make it easier to manage risk.

More choices

There's a wide array of investments.

A single source of income

You can manage one income stream — instead of several — once you get to retirement.
Next steps

Speak with an IRA consultant

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"I rolled over my IRA to TIAA, consolidating my finances. I'm excited to be contributing regularly."
Lyn Miller
Writer and photographer
Participant since 1997

From many snapshots to one big picture

Learn how consolidating your accounts with TIAA can help you manage all of your retirement savings, all in one place.4

College savings

Save the smart way with tax-advantaged 529 college savings plans.
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 Please be advised that effective January 1, 2015, you may only complete one 60-day rollover between any of your IRAs in any 365 day period.  This new IRS rule does not impact direct trustee to trustee transfers between IRAs.  For more information please visit,
3 Guarantees are through fixed annuities only and are subject to the claims-paying ability of TIAA.
4 Before consolidating assets, be sure to carefully consider the benefits of both the existing and new product. There will likely be differences in features, costs, surrender charges, services, company strength and other important aspects. There may also be tax consequences or other penalties associated with the transfer of assets. Indirect transfers may be subject to taxation and penalties. Speak with a TIAA consultant and your tax advisor regarding your situation.
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.
Certain securities may not be suitable for all investors. Brokerage Services are provided by TIAA Brokerage Services, a division of TIAA-CREF Individual & Institutional Services, LLC. Member FINRA/SIPC.