Help employees build a diversified income plan

Our fixed and variable annuities offer advantages to and through retirement--plus paychecks that last for life

TIAA traditional

Better retirements start with guarantees

With TIAA Traditional, employees’ money grows every day—no matter the market. At retirement, employees choose whether, when and how much savings to convert to a guaranteed monthly retirement paycheck.1

*TIAA Traditional is issued by Teachers Insurance and Annuity Association of America (TIAA), New York, NY.

Variable annuity options

Growth potential to hedge against inflation

With their long-term growth opportunity and built-in flexibility, our variable annuities can help employees increase and protect their lifetime income.

CREF variable annuities

Diversify savings and income, plus paychecks for life

We offer these annuities at-cost and without profit, so more money goes to work for employees' futures.2

TIAA real estate account

A different kind of real estate investment with true diversification

The account offers the benefits of direct investment exposure to high-quality, commercial real estate. Unlike other real estate investments, it can give employees access to their money anytime and the option to choose income for life.3

Custom default solutions

Better default. Better retirements.

Gain more control and bring the power of retirement paychecks to your default with TIAA RetirePlus4

Get in touch

Learn more about our investment management capabilities

Call the Administrator Telephone Center, 888-842-7782, weekdays, 8 a.m. - 8 p.m. (ET)

This material is for informational or educational purposes only and is not fiduciary investment advice, or a securities, 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.

Past performance is no guarantee of future results. Any guarantees under annuities issued by TIAA are subject to TIAA's claims-paying ability. TIAA Traditional is a guaranteed insurance contract and not an investment for federal securities law purposes. Interest in excess of the guaranteed amount is not guaranteed for periods other than the periods for which it is declared.

Paycheck is the annuity income received in retirement. Guarantees of fixed monthly payments are only associated with TIAA's fixed annuities.

Applies variable annuity expense ratios. Source: Morningstar Direct. Jan. 5, 2024. Excludes CREF Money Market Account. 93% of CREF variable annuity accounts have expense ratios that are in the bottom quartile of their respective Morningstar category. Our variable annuity products are subject to fees and expenses, including but not limited to management, administrative, and distribution fees. Our variable annuity products have an additional mortality and expense risk charge.

The TIAA Real Estate Account is truly diversified within the larger asset class of commercial real estate. An investment in REA, when combined with other appropriate investments in different asset classes, can help an investor achieve portfolio diversification. Diversification is a technique to help reduce risk. It is not guaranteed to protect against loss.

"TIAA RetirePlus® model portfolios are asset allocation recommendations developed in one of three ways, depending on your plan structure: i) by your plan sponsor, ii) by your plan sponsor in consultation with consultants and other investment advisors designated by the plan sponsor, or iii) exclusively by consultants and other investment advisors selected by your plan sponsor whereby assets are allocated to underlying mutual funds and annuities that are permissible investments under the plan. Model-based accounts will be managed on the basis of the plan participant’s personal financial situation and investment objectives (for example, taking into account factors such as participant age and risk capacity as determined by a risk tolerance questionnaire).

No registration under the Investment Company Act, the Securities Act or state securities laws – a model is not a mutual fund or other type of security and will not be registered with the Securities and Exchange Commission as an investment company under the Investment Company Act of 1940, as amended, and no units or shares of the model will be registered under the Securities Act of 1933, as amended, nor will they be registered with any state securities regulator. Accordingly, the model is not subject to compliance with the requirements of such acts, nor may plan participants investing in underlying investments based on the model avail themselves of the protections thereunder, except to the extent that one or more underlying investments or interests therein are registered under such acts. 

TIAA RetirePlus Select® and TIAA RetirePlus Pro® are administered by Teachers Insurance and Annuity Association of America (“TIAA”) as plan recordkeeper. Transactions in the underlying investments invested in, based on the models, on behalf of the plan participants are executed through TIAA-CREF Individual & Institutional Services, LLC.

More information about TIAA RetirePlus model portfolios can be found at

TIAA RetirePlus®, TIAA RetirePlus Pro® and TIAA RetirePlus Select® are registered trademarks of Teachers Insurance and Annuity Association of America.

The TIAA Real Estate Account is a variable annuity product and an insurance separate account of TIAA. The real estate industry is subject to various risks including fluctuations in underlying property values, expenses and income, and potential environmental liabilities.

In general, the value of the TIAA Real Estate Account will fluctuate based on the underlying value of the direct real estate or real estate-related securities in which it invests. The risks associated with investing in the Real Estate Account include the risks associated with real estate ownership including, among other things, fluctuations in underlying property values, higher expenses or lower income than expected, risks associated with borrowing and potential environmental problems and liability, as well as risks associated with participant flows and conflicts of interest. For a more complete discussion of these and other risks, please consult the prospectus.

Annuity account options are available through contracts issued by TIAA or CREF. These contracts are designed for retirement or other long-term goals, and offer a variety of income options, including lifetime income. Any guarantees under annuities issued by TIAA are subject to TIAA's claims-paying ability. Payments from the variable annuity accounts are not guaranteed and will rise and fall based on investment performance.

A variable annuity is an insurance contract and includes underlying investments whose value is tied to market performance. When markets are up, you have the potential to capture gains, but you may also experience losses when markets are down. When you retire, you can choose to receive income for life and/ or other income options.

TIAA Traditional is a fixed annuity product issued through these contracts by Teachers Insurance and Annuity Association of America (TIAA), 730 Third Avenue, New York, NY, 10017: Form series including but not limited to: 1000.24; G-1000.4; IGRS-01-84-ACC; IGRSP-01-84-ACC; 6008.8. Not all contracts are available in all states or currently issued.

Annuity contracts contain exclusions, limitations, reductions of benefits and may contain terms for keeping them in force. We can provide you with costs and complete details.