Diversified Income for Life

Create a confident financial future and see how TIAA's fixed and variable annuities can help you build a smarter retirement income plan.

Opportunity for more in retirement

As you think about retirement, whether it is years away or right around the corner, diversifying your retirement income plan can help grow your money while saving, based on the type of investments you select.

When you retire, annuities are the only option besides social security and pensions that are capable of providing income for as long as you live.

Discover how to build a diversified income plan.
Find out what's recommended for your portfolio

Diversified Investment Choices

TIAA offers a breadth of fixed and variable annuity accounts that can be used together with other investments such as mutual funds, to help you diversify your portfolio not only while saving but also in retirement. And when you're ready to retire, you have the added built-in option to choose lifetime income.

Fixed annuity

Provides guaranteed growth every day even in the most volatile markets.1


View TIAA Traditional

Variable annuities

Provides the opportunity for growth to help keep pace with inflation.2


View CREF accounts

View TIAA Real Estate account

View TIAA Access account

Ready to Retire and Start Lifetime Income?

Take the next steps to activate the lifetime income options that may be already available in your plan.3

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Don’t have an employer sponsored plan?

Click here to see how you can save with TIAA and CREF annuities within an IRA.

Annuity contracts contain terms for keeping them in force. Exclusions, restrictions, limitations and reductions in benefits will, in certain situations, apply to annuity contracts. Your financial consultant can provide you with costs and complete details.

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. 

There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk.

Any guarantees under annuities issued by TIAA are subject to TIAA's claims-paying ability.

Payments will fluctuate based on the performance of the underlying accounts. 

3 Converting some or all of your savings to income benefits (referred to as "annuitization") is a permanent decision. Once income benefit payments have begun, you are unable to change to another option.

This material is for informational or educational purposes only and does not constitute fiduciary investment advice under ERISA, a securities recommendation under all securities laws, or an insurance product recommendation under state insurance laws or regulations. 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.