Improving your retirement roadmap

Women & money

You can speak to an Advisor for more information

Women's lives have distinctive rewards—and challenges. Women are more likely to outlive their spouses, have longer lifespans and tend to take breaks from their careers. Additionally, women are more likely to have a job that has limited or no retirement plan benefits. By and large, women invest more conservatively than men. Choose carefully where you put your money and learn how to improve your investment returns.1
Here are four steps you can consider taking:
1. Know how to plan and make the most of your retirement savings.
You may be wondering if your contributions for retirement are sufficient. To help answer that question, you need to know the following:
  • How much income you want for retirement
  • What income are you on track to achieve through current savings
  • Are there any gaps that need to be closed 
We have a simple online tool you can use to figure out what you should be saving based on your situation. 
2. Consider taking steps towards making saving easier.
You can use automatic withdrawals from your paycheck into your investments so setting money aside isn’t something you have to consider—and reconsider—every day. Take a minute to check with your employer to make sure you're informed of and using all of your retirement and savings benefits. You never know, there might be something you're missing out on. Some also find that consolidating funds from smaller plans into larger ones helps simplify and reduce costs. Remember: cutting your costs is one of the most important things you can do to potentially save more over time.
3. Build and maintain a strategy.
You can work with an advisor to build and review your investment strategy over time. You should ensure you are taking on the amount of risk you're comfortable with, balanced against your needs and goals. A TIAA advisor can help you map out your risk tolerance and create a personalized strategy. When building your investment strategy, consider evaluating your emergency fund level to help protect your dedicated retirement funds from early withdrawals, which often come with penalties.
4. Remember you can reach out for help.
Once you've put together a strategy that satisfies your needs, stick to it with discipline and focus as the years go by, and remember that you're not in this alone. If you want to get started right now, we can help you calculate online whether you’re on track with your retirement goals. TIAA can be your partner when it comes to your finances, and your TIAA advisor is here to help you pursue your goals.
Contact Us

Starting the conversation

Call Us
We’re here to answer your questions and set up a meeting.
Weekdays, 8 a.m. - 10 p.m. (ET)
Saturday, 9 a.m. - 6 p.m. (ET)
Finding an advisor
Want to find an advisor near you?
Scheduling a call
One of our representatives will call you at your convenience.
1 (September 2017)
Nothing in this article is intended to, nor should it be construed to, suggest the creation of a legal partnership or joint enterprise.
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.
Investment products may be subject to market and other risk factors. See the applicable product literature or visit for details.
Before consolidating assets, you should carefully consider the benefits of both the existing and new product, as there will likely be differences between them.  There may also be tax consequences associated with the transfer of assets. Consult with your TIAA advisor and tax professional regarding your particular situation.