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When TIAA does well, our participants do better. We've shared more than $79B in profits with participants since 2000 alone.1

Over the last 3 years, we shared:

$10B in profits with 2M participants
How it works

The sooner your employees start saving, the bigger their income in retirement could be

Here are two hypothetical scenarios that show how saving early can add growth thanks to shared profits:

Meet Troy,

age 35

Initial contribution: $10K

Years invested: 10

Guaranteed future value: $13,439

Actual return*: $14,426

Shared profits: almost $1,000

Meet Andrea,

age 56

Initial contribution: $10K

Years invested: 20

Guaranteed future value: $18,061

Actual return*: $26,722

Shared Profits: over $8,600

Find out more about how this works Find out more about how this works Opens dialog

If your participants are TIAA Traditional customers, they may already be receiving shared profits. To find out if they can:

  1. Log in to their account.
  2. Scroll down to the "Your accounts" section.
  3. Click on the plus sign (+) next to “Retirement Investments" to see their holdings.
  4. Select the EMPLOYER button and then select the plus sign (+) next to their employer"s name.
  5. Select the retirement plan name to view their account details.

TIAA Traditional will show in the list of "Investments" if they have it.

Select "View Interest Rates" link to see the Additional Amount of interest they may be earning over their guaranteed future value.

Soon, they'll also see any shared profits noted on their statement.

If they are not currently contributing to a TIAA Traditional fixed annuity, and they determine that a TIAA Traditional fixed annuity meets their needs, they can purchase it through their workplace retirement plan. TIAA Traditional is designed to be a core component of a diversified retirement savings portfolio.Their TIAA Traditional account earns interest every day and it can pay them income for life in retirement.4

If your plan does not offer this option, they may be eligible to invest through an Individual Retirement Account (IRA), which has the potential to receive shared profits.

No, however, TIAA1 is owned by a not-for-profit company. With no public shareholders—and a charter that requires TIAA operate without profit—TIAA is uniquely able to return profits to participants and reinvest in our business for future sharing.

Profits can be shared with participants through their TIAA Traditional account. Historically profits have been shared with participants as they save for retirement AND during their retirement years.  Past performance does not guarantee future results.

No. Every year, the TIAA board determines whether to share profits with participants. While it is not guaranteed, we've shared profits every year for the past 70 years.

Over the past 3 years, TIAA has shared more than $10 billion with 2 million participants invested in TIAA Traditional.

TIAA's charter

This is how we've always done business, since 1918

"The purpose of the corporation is to aid and strengthen nonprofit colleges, universities, institutions engaged primarily in education or research, governments and their agencies and instrumentalities, and other nonprofit institutions . . . all without profit to the corporation or its stockholders."

Contact TIAA

Let's work together

New to TIAA

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


Contact your TIAA relationship manager, or call the Administrator Telephone Center at  888-842-7782.


Visit the plan sponsor website to see how we are working to help employers create optimal retirement plans for their employees.

1 TIAA may share profits with Traditional Retirement Annuity owners through declared additional amounts of interest and through in-creases in annuity income throughout retirement. Additional amounts are on TIAA Traditional Annuity contracts available within an employer-sponsored plan. Additional amounts may be increased the longer accumulation occurs before annuitization. These additional amounts are discretionary, and are not guaranteed.

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.