Never run out

Guaranteed monthly income for life

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Be more financially confident today

Many of us worry that if the markets aren't kind, our retirement savings may run out. TIAA clients have a better path with TIAA Traditional,1 an exclusive offering available only for individuals who work at not-for-profit institutions. See if you're eligible.

Guaranteed growth while you save

No matter what happens with the markets, your retirement savings are guaranteed to grow every day, year after year.1

Guaranteed income when you retire

Turn your savings into regular monthly annuity income to meet your everyday living expenses in retirement.

More income with profit sharing

TIAA's "sharing the profits"2 approach seeks to reward our clients with additional growth and income as profits are returned to clients.

See your estimate for monthly income that never runs out.

Sharing the profits

When TIAA3 does well, our participants do better

Through our "sharing the profits" approach, over the past 3 years, the TIAA Traditional annuity has shared:
$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
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Make guaranteed income a part of your retirement today

Discover the benefits of starting early on your potential monthly income, including returns.
All 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.
1 Annuity contracts are issued by Teachers Insurance Annuity Association of America (TIAA)
2 TIAA may share profits with Traditional Retirement Annuity owners through declared additional amounts of interest and through increases in annuity income throughout retirement. These additional amounts are not guaranteed. Since 1994, those receiving lifetime income from TIAA Traditional have experienced 16 increases in their annual annuity payment amounts (at an average increase of 1.07%). (Source: TIAA Actuarial Department based on actual historical data of the TIAA standard payout annuity.)
Teachers Insurance and Annuity Association of America, New York, NY
TIAA Traditional is a fixed annuity product issued by Teachers Insurance and Annuity Association of America (TIAA), New York, NY. 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 product issued through these contracts by Teachers Insurance and Annuity Association of America (TIAA), 730 Third Avenue, New York, NY, 10017:  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.