Work passionately.

Retire confidently.

A lifetime of dedication deserves retirement income for life.

Give your retirement savings more potential

Introducing TIAA Traditional.* Designed to provide growth, monthly income and the opportunity to earn more through the profit-sharing component, it works hard to help you to and through retirement.

Not eligible for a TIAA employee-sponsored plan? Opens dialog

Growth while you save

That’s our promise to you, no matter what happens with the markets.1

Income for all of retirement

You’ll receive payments like clockwork. We’ve never missed a payout.1

Extra earnings by sharing our profits

$79 billion in profits shared with clients since 2000.2

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

Time-based comparison

Start sooner, get more earning potential

Check out these two hypothetical scenarios to see how starting sooner can translate into more profits shared with you.

Invested: 10 yrs Initial contribution: $10,000

$13,439 guaranteed value

$14,688 actual return**

$1,249 in shared profits

Invested: 20 yrs Initial contribution: $10,000

$18,061 guaranteed value

$26,330 actual return**

$8,269 in shared profits

**Learn how returns were calculated Opens dialog
Next steps

Put TIAA Traditional to work for you

How can you tap into all that TIAA Traditional has to offer? When it comes to your TIAA retirement account, there are several options to consider.

Update investments

Transfer funds into your account.3

Change contribution

Make a change to your future savings.

Consolidate savings

Add to your account with money outside of TIAA.4

Start today

Get in touch

TIAA Traditional has a lot to offer—which means there’s a lot to understand first. And we’re here to walk you through everything step by step.

Call us at 800-842-2252

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.

1All 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. Past performance is no guarantee of future results.

TIAA may share profits with Traditional Retirement Annuity owners through declared additional amounts of interest and through increases in annuity income throughout retirement. Additional amounts are on TIAA Traditional Annuity contracts available within an employer-sponsored plan. Additional amounts may be increased the longer accumulation occurs before annuitization. These additional amounts are discretionary, and are not guaranteed.

TIAA Actuarial as of 12/31/20 and forecast of approved dividend distribution directed by the TIAA Board of Trustees as of March 2021.

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. Speak with a TIAA consultant and your tax advisor regarding your situation.

4 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 moreOpens pdf

Transfers and withdrawals from TIAA Traditional are restricted by its underlying agreements that can affect the liquidity of the product.

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.