Never run out

See how you can create a “personal pension” for guaranteed lifetime income in retirement

Already in, or have access to, a TIAA employer-sponsored plan?

Get your estimate for guaranteed lifetime income in retirement.

Not in a TIAA employer-sponsored plan?

See how you may be able to get income that never runs out in a TIAA IRA.
Learn more

Be more financially confident today with TIAA Traditional

Many worry that if the markets aren't kind, their retirement savings may run out. But if you're in a TIAA employer-sponsored plan, you may have a better path toward retirement with TIAA Traditional.*
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Guaranteed growth while you save

No matter what happens with the markets, your retirement savings are guaranteed to grow every day, year after year.
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Guaranteed income when you retire

Turn your savings into regular monthly annuity income to help meet your everyday living expenses in retirement.
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More income with profit sharing

Our exclusive "sharing the profits" approach seeks to reward you with additional growth and income.1
*Issued by Teachers Insurance and Annuity Association of America (TIAA).
Sharing the profits

When TIAA has done well, our participants have done better

Through our "sharing the profits" approach, over the past 3 years, the TIAA Traditional annuity has shared2:
$10 BILLION in profits with 2 MILLION participants

The sooner you start, the bigger the income

Here are two hypothetical scenarios that show how investing early can add growth thanks to shared profits:

Meet Troy,
age 35

Initial contribution: $10K
Years invested: 10
Guaranteed future value: $13,439
Actual return**: $15,364
 
Shared profits: almost $2,000

Meet Andrea,
age 56

Initial contribution: $10K
Years invested: 20
Guaranteed future value: $18,061
Actual return**: $29,153
 
Shared profits: more than $11,000
**Find out more about how this works
Next steps
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You can put TIAA Traditional to work for you

Update investments

Log in and move money in your TIAA retirement plan account.3

Future contributions

Log in to change future savings in your TIAA retirement plan account.

Consolidate

If you have savings outside of your TIAA retirement plan, consider rolling over.3

Want to talk first?

Call us at 800-842-2252 or find the nearest TIAA office.
All guarantees are based on TIAA's claims-paying ability. TIAA Traditional is a guaranteed insurance contract and not an investment for federal securities law purposes.
 
TIAA may share profits with TIAA Traditional annuity owners through declared additional amounts of interest and through increases in annuity income throughout retirement.  These additional amounts are not guaranteed for future years.
 
Amount paid as of 12/31/18.
 
Prior to rolling over, consider your other options. You may also be able to leave money in your current plan, withdraw cash or roll over the assets to your new employer’s plan if one is available and rollovers are permitted. Compare the differences in investment options, services, fees and expenses, withdrawal options, required minimum distributions, other plan features, and tax treatment. Speak with a TIAA consultant and your tax advisor regarding your situation. Learn more
 
Before consolidating assets, be sure to carefully consider the benefits of both the existing and new product. There will likely be differences in features, costs, surrender charges, services, company strength and other important aspects. There may also be tax consequences or other penalties associated with the transfer of assets. Indirect transfers may be subject to taxation and penalties. Consult with your own advisors regarding your particular situation.
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 or advisor can provide you with costs and complete details.
 
TIAA Traditional is a fixed annuity issued through these contracts: Form series 1000.24; G-1000.4 or G-1000.5/G1000.6 or G1000.7; 1200.8; G1250.1; IGRS-01-84-ACC and IGRS-02-ACC; IGRS-CERT2-84-ACC and IGRS-CERT3-ACC; IGRSP-01-84-ACC and IGRSP-02-ACC; IGRSP-CERT2-84-ACC and IGRSP-CERT3-ACC; 6008.8 and 6008.9-ACC; 1000.24-ATRA; 1280.2, 1280.4, or 1280.3 or 1280.5, or G1350. Not all contracts are available in all states or currently issued.
This material is for informational or educational purposes only and does not constitute investment advice under ERISA. 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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