Retirement plan portfolio manager
Empower your employees with personalized support
Our Retirement Plan Portfolio Manager (RPPM) delivers investment advice and automatic investing tailored to your employees’ unique needs—at no additional cost to the plan.
The challenge
Employees wish retirement planning was simpler
Most employees believe they should be saving more, and they want help establishing the right plan to achieve retirement security.
RPPM can help them pursue their retirement goals with personalized guidance to help them get on track.
The solution
Advice they need. Outcomes you want.
With independent advice provided by Morningstar® and fiduciary oversight from TIAA Trust, N.A., RPPM helps boost your participants’ retirement readiness — enabling them to stay on track with confidence. We handle the details so you can stay focused on your business.
Personalized advice
Every participant receives a tailored investment strategy based on their unique financial situation and retirement goals.
Automatic investing
RPPM monitors, rebalances, and adjusts investments based on user preferences and proximity to retirement.
Better outcomes
With managed accounts, participants saw a 43% increase in retirement wealth, and 73% of participants who were behind got on track for retirement.2
Compare
RPPM versus other options
Check out how RPPM measures up to other choices that may be available through your plan.
Target-date fund
|
One-time portfolio adjustment
|
Retirement Plan Portfolio Manager |
|
|---|---|---|---|
| Considers current financial profile and future retirement goals and assets, including Social Security | No | ||
| Updates investments to align with retirement goals | No | ||
| Provides expert advice powered by Morningstar®, including how much to save | No | ||
| Automatically adjusts investments to become more conservative as retirement approaches | No | ||
| Provides actionable quarterly retirement advice updates, including tracking of retirement goals | No | No |
How we're different
Improved retirement readiness – no extra cost to you
Help your participants retire securely without increasing your costs. RPPM provides personalized financial strategies through one of the industry's lowest-fee3, in-plan managed account services.
No cost for you
- RPPM is offered at no additional cost
- No implementation fee
- No ongoing per-participant annual fee
Low fees for your employees
- Charged $3 or less annually for every $1K invested3
- Among industry’s lowest fees3
- Deducted quarterly from their accounts
Ready to get started?
Contact your TIAA representative to discuss how you can help your employees achieve greater retirement security.
We’re here to help
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1J.P. Morgan Chase “Expanding expectations, expanding opportunities” 2024 Defined Contribution Plan Participant Survey Findings.
2Morningstar, “The Impact of Managed Accounts on Participant Savings and Investment Decisions” (2025 Update). A total of 84,875 retirement plan participants were included in Morningstar Investment Management’s study. Participants were selected for use based on available information and various filters and include those participants that used the Morningstar® Retirement ManagerSM Managed Accounts service between the dates of January 5, 2007, to December 31, 2024.
3UPTICK Research, March 2024 which includes representation of some in-plan managed accounts but not all accounts. Participants are charged 30 basis points or less for this service based on assets under management. Fees are deducted quarterly from their accounts.
This material is for informational or educational purposes only and is not fiduciary investment advice, or a security, investment strategy, or insurance product recommendation. This material does not consider an individual’s own objectives or circumstances which should be the basis of any investment decision.
Morningstar Investment Management, LLC (Morningstar) is an unaffiliated investment advisor that provides TIAA with independent, third-party asset allocation models and specific investment recommendations for purposes of the Retirement Plan Portfolio Manager program. The Retirement Plan Portfolio Manager program is a discretionary fee-based asset allocation advisory program provided by TIAA Trust, N.A. Program recommendations are generated by Morningstar as an independent investment authority, retained by TIAA to provide independent advice. The Morningstar 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 facts, as well as information the individual provides.
IMPORTANT: Projections and other information generated through the Morningstar tool regarding the likelihood of various investment outcomes are hypothetical, do not reflect actual investment results and are not a guarantee of future results. The projections are dependent in part on subjective assumptions, including the rate of inflation and the rate of return for different asset classes. These rates are difficult to accurately predict. Changes to the law, financial markets or individual personal circumstances can cause substantial deviation from the estimates. This could result in declines in an account's value over short or even extended periods of time.
No strategy or investment policy can eliminate or anticipate all market risks and losses can occur.