Building a solid foundation for your retirement

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The risk of outliving retirement savings can be one of the biggest challenges we face. However, with smart planning, you can build the financial groundwork to receive income in retirement that will last no matter how long you live.
Guaranteed income—the foundation of a secure retirement
Guaranteed income can be the foundation of a worry‐free retirement for you and your loved ones. By determining the gap between your expected guaranteed income sources and your basic living expenses (e.g. food, housing, health care); you can then develop a plan to cover shortfalls.
Income you can’t outlive—guaranteed
So how can you protect yourself and your loved ones? The risk of outliving your savings can be diminished by using an annuity. An annuity is the only retirement savings option that offers income you can’t outlive. Income payments are guaranteed for life and are backed by the financial strength of the issuing insurance company.1  Annuities can also offer flexible payment options and survivor‐benefit elections in many cases, including:
  • Blending lifetime income with other options such as periodic cash withdrawals
  • Payments to loved ones after you pass

Certainty—a safe and predictable stream of income
Market volatility can have a dramatic impact on your assets’ value and leave you less prepared for retirement. A fixed annuity can eliminate some of your concerns by:
  • Paying you guaranteed interest while you save
  • Reducing the effects of market downturns on your retirement savings portfolio
  • Providing you a predictable income stream for life

Peace of mind—maintaining your standard of living
TIAA Traditional Annuity is a guaranteed annuity product issued by Teachers Insurance and Annuity Association (TIAA), New York, NY.2  It can offer the peace of mind and certainty of lifetime income that can help to cover your basic, everyday living expenses in retirement. In up and down markets, TIAA Traditional preserves the value of your savings and offers competitive interest rates during the accumulation phase.3 Finally, for those taking annuity income, retiree lifetime income payments have increased in 14 of the last 21 years.
Talk with your TIAA advisor

Consider a TIAA Traditional Annuity. To learn more about annuities and how to pursue a financially secure retirement, call your TIAA advisor.

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Past performance is no guarantee of future results. The performance figures above are based on the historical total interest rates paid on TIAA Traditional under Retirement Choice contracts. These rates include a minimum guaranteed rate of between 1% and 3% that is re‐ determined each January 1, plus "additional amounts" that have been declared and paid for specific time periods.
1. Guarantees are based on the claims paying ability of the issuing company.
2. All guarantees are based on TIAA's claims‐paying ability. TIAA Traditional is a guaranteed insurance contract and not an investment for federal securities law purposes. Past performance is no guarantee of future results.

3. Interest credited to TIAA Traditional Annuity accumulations includes a guaranteed rate, plus additional amounts as may be established on a year‐by‐year basis by the TIAA Board of Trustees. The additional amounts, when declared, remain in effect through the "declaration year", which begins each March 1 for accumulating annuities and January 1 for payout annuities. Interest in excess of the guaranteed amount is not guaranteed for periods other than the period for which it is declared. Withdrawals and transfers out will reduce account balances. In addition, under Group Retirement Annuity and Retirement Choice contracts a surrender charge of 2.50% is assessed against withdrawals taken from TIAA Traditional within 120 days after termination of employment.

4. Some TIAA‐CREF products and services, like the Investment Solutions IRA, are only available to employees and retirees (and their family members) or nonprofit colleges and universities, public and private nonprofit elementary and secondary schools, teaching hospitals, museums, libraries and other nonprofit institutions.
Investment, insurance and annuity products are not FDIC insured, are not bank guaranteed, are not bank deposits, are not insured by any federal government agency, are not a condition to any banking service or activity, and may lose value.
Annuity contracts are issued by Teachers Insurance and Annuity Association of America (TIAA).