Rollovers

Get started here, or contact an IRA specialist at 844-842-2472
Why Rollover

Why rollover assets and consolidate4 with TIAA?

Why Consolidate?
 
  • Avoid overlaps and gaps in your investment mix

  • Easy to track progress toward your goals

  • Simplified management of your account
Why TIAA?
 
  • No fee IRAs, no and low fee investment options5

  • Advice and support at no additional cost

  • Wide array of investments
How It Works

The Rollover Process

  1. Open a new TIAA IRA (if  you don’t already have  one)
Choose between:
  • Roth IRA
  • Traditional IRA
 
Not sure which IRA to choose? We can help you decide at
  1. Move your funds from  an existing retirement  plan
You have 2 options once you open an IRA or when using your existing TIAA IRA:
 
  • Log in and transfer your rollover online

  • Have an IRA specialist assist you at
    844-842-2472
  1. Invest your money
 
  • Pick your own funds with or without our help. (We offer free assistance)
    844-842-2472

  • Take a look at the  performance of investment options available in the TIAA IRA (view the investments )
Things To Consider

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 or you may be faced with tax withholding and/or penalties.
Get the basics

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.

Speak with an IRA consultant 

 
Give us a call
 
We’re here to help.
844-TIAA-IRA
 
 
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 You may only complete one 60-day rollover between any of your IRAs in any 365 day period.  This IRS rule does not impact direct trustee to trustee transfers between IRAs.  For more information please visit, www.irs.gov/Retirement-Plans/IRA-One-Rollover-Per-Year-Rule
 
3 Guarantees are through fixed annuities only and are subject to the claims-paying ability of Teachers Insurance and Annuity Association of America.
 
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.
 
5 78% of our mutual funds and variable annuities have expense ratios that are in the bottom quartile (or 97.79% below the median) of their respective Morningstar categories*

*Source: Morningstar Direct, June 30, 2018.
 
TIAA-CREF mutual fund and CREF variable annuity products are subject to various fees and expenses, including but not limited to management, administrative, and distribution fees; our variable annuity products have an additional mortality and expense risk charge.  
 
 
This material is for informational or educational purposes only and does not constitute investment advice under ERISA. 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 based on the investor’s own objectives and circumstances.
 
 
622483