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Strategies for generating
lasting retirement income


Retirement income replacement

A commitment to plan design and investment-menu best practices, coupled with our time-tested approach to retirement readiness can lead to impressive results. On average we estimate that participants are on track to replace more than 90% of their income at retirement.1

Build a better retirement plan

TIAA’s four key drivers have a dual objective: delivering lifetime income for employees and helping plan sponsors meet their goals for providing competitive, effective and compliant plans.
Helping your employees meet their retirement income objectives while maximizing plan participation.
Personalized advice and education programs to help your employees make well-informed decisions.
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Services to manage your plan efficiently with the goal of keeping costs low and minimizing fiduciary risk.
Diversified investment menu choices for both asset accumulation and lifetime income potential.
Learn how you can guide retirement readiness and help your
employees pursue financial well-being.


Information to help you engage employees and manage your plan more effectively.
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Let’s work together to help your employees pursue a lifetime of income.


Contact your TIAA relationship manager, or call the Administrator Telephone Center at

New to TIAA

If you don’t currently work with TIAA, call 844-NEW-TIAA.


You should consider the investment objectives, risks, charges and expenses carefully before investing. Please call 877-518-9161, log on to or contact your plan's advisor for underlying product and fund prospectuses that contain this and other information. Please read the prospectuses carefully before investing.

1PLEASE NOTE: An individual’s income replacement ratio will vary from the study’s estimated rate based on a number of unique individual factors. Study results are not intended to project an individual’s actual ratio. TIAA-CREF Retirement Income Index data as of 12/31/2014, based on 501,639 actively contributing participants from 303 TIAA-CREF record kept plans. Using the participant’s current salary, age, contribution rates (employer/employee), asset allocation and an assumed retirement age of 67, TIAA-CREF leverages the advice engine from Ibbotson Associates, Inc., an independent expert retained by TIAA-CREF, to calculate the projected retirement income stream (including estimated Social Security benefits) in current dollars as a percentage of current salaries using Monte Carlo analysis (500 total simulations). The results indicate the participant’s 70% probability of achieving the retirement goal. A lower probability of success is associated with better (and less likely) estimated income; a higher probability is associated with lower estimated income. Please note the median income replacement ratio based on the analysis above is approximately 88%.

The Ibbotson tool’s advice is based on statistical projections of the likelihood that an individual will achieve their retirement goals. The projections rely on financial and economic assumptions of historical rates of return of various asset classes that may not reoccur in the future, volatility measures and other factors, as well as information the individual provides.

IMPORTANT: Projections, and other information generated through the Retirement Income Index and the Ibbotson tool regarding the likelihood of various investment outcomes are hypothetical, do not reflect actual investment results, and are not a guarantee of future results. Results may vary with each use and over time.