Who can benefit from having a TIAA Annuity in their IRA?

Change Investments or Set Future Allocations
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Who's eligible

TIAA Annuities are available to more people than you might think

People who work or have worked for organizations in the nonprofit industries we serve and their family members can access the same products and advice.
 
 
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Education
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Healthcare
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Nonprofit foundations & charities
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Government and military
Who counts as a family member?
 
Get the basics

Does a TIAA Annuity make sense in your IRA?
It depends on what you are looking for.

The TIAA Traditional Annuity can give you:

 Guaranteed growth towards retirement

  • TIAA Traditional is a fixed annuity and your balance is not impacted by market declines – it offers guaranteed growth.
  • Fully liquid with no surrender charges – which means there is no penalty for switching to another investment option in your IRA.

Guaranteed income in retirement

  • ​You may convert some or all of your balance into payments that last a lifetime.
  • Access your money anytime through a range of withdrawal options that can be customized to your personal situation.
See Disclosures
 
* Issued by (TIAA) Teachers Insurance and Annuity Association of America, New York, NY.
Get the basics

Direct exposure to real estate

TIAA Real Estate Account is a variable annuity designed to maximize the benefits of real estate investing, without the drawbacks of managing your own properties. TIAA Real Estate offers:
 
  • True diversification1
  • Alternative to the “safety” of bonds2
  • Hedges against inflation as rents rise with other prices
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1Returns are largely unaffected by movements in stock or bond markets  since returns are generated by rental income and changes in property values. For the 10-year period ended June 30, 2020, REA correlation to the S&P 500 Index and Barclay’s Aggregate Bond Index was 0.11 and -0.07, respectively. Over this same period, correlation between the FTSE Nareit All Equity REIT Index and the S&P 500 Index was 0.76. You cannot invest directly in any index. Index returns do not reflect a deduction for fees and expenses.
 
2Direct real estate has delivered higher risk-adjusted returns than bonds since the account’s inception in 1995. As of June 30, 2020, the REA since-inception Sharpe ratio (a measure of risk-adjusted return) was 1.1, while the Bloomberg Barclays U.S. Aggregate Bond Index was 0.9 over the same period. The REA inception date is October 2, 1995. You cannot invest directly in any index. Index returns do not reflect a deduction for fees and expenses. Past performance does not guarantee future results.
 
Diversification is a way to help avoid risk and does not guarantee against loss. 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 more complete discussion of these and other risks, please consult the prospectus.
 
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.
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