Enhancing Your Portfolio

This website is intended for institutional retirement plan sponsors and their consultants, registered investment advisers, and other related businesses. If you are looking for individual services, please visit TIAA.org.

The TIAA Guaranteed Interest Account is designed specifically as a tool for managers of target-date and target-risk collective investment trust funds and separately managed accounts seeking a guaranteed return option for a portion of their fund asset allocation portfolio.

Safety and security

The money accumulated in the account will earn guaranteed interest every day and is designed to not lose principal value, even in the most volatile markets.
Guaranteed separate account assets are insulated from any potential claims made by TIAA's creditors and/or General Account policyholders.
TIAA's $278.14 billion as of 12/31/20 General Account* provides additional protection in case the separate account's assets are insufficient to meet contractual guarantees.

^{*Source: Financial Strength: The TIAA General Account as of 12/31/2020}