TIAA Access

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What is TIAA Access?

TIAA Access, a variable annuity, is a unique retirement savings account that allows you to invest in mutual funds through an annuity during your working years, then draw lifetime income in retirement while your dollars remain invested.1

Available fund types with TIAA Access:

InfoGraphic TIAA Access

How does TIAA Access work?

STEP ONE See if TIAA Access Annuities are available in your retirement plan.

STEP TWO Choose from a variety of investment options available under your plan.
STEP THREE Modify your investments as needed while you’re working.
STEP FOUR Remain invested while receiving income from TIAA Access Lifecycle Retirement Income Fund.

Is TIAA Access right for you?

Can be good if you want:

  • An annuity with many investment options
  • Low fees compared to similar products from competitors2
  • Income you can’t outlive

Why choose us?


Investment choice

You can choose from a
variety of funds by TIAA and other fund managers to help you meet your goals.1

Unique retirement income option

You can select the TIAA Access Lifecycle Retirement Income Fund.


Our low fees mean more money for you.2
If you want to learn more about TAA Access you can talk with a TIAA advisor at no additional cost to you.


Next Steps

If you want to get started with TIAA Access

Already with TIAA?

You can start saving in TIAA Access by updating your investment options online.

New to TIAA?

Make sure you’re taking full advantage of your employer’s retirement plan.

Give us a call

We’re here to help.


Weekdays, 8 a.m. – 10 p.m. (ET)
Saturday, 9 a.m. – 6 p.m. (ET)

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Manage all your money in one place

Log into your TIAA account and sign up for the free secure Financial 360° tool.

Investing 101

We can help you make sense of your options.

Changing jobs

Financial basics to help you successfully transition to a new job.
1 If offered by the plan. TIAA Access Annuities are not available in IRA accounts.
2 Morningstar, Inc. TIAA Access Variable Annuities, have total net expense ratios ranging from 0.15% to 2.85% as of December 31, 2016 versus the industry average variable annuity sub-account total net expense ratio average of 2.17%
This material is for informational or educational purposes only and does not constitute a recommendation or investment advice in connection with a distribution, transfer or rollover, a purchase or sale of securities or other investment property, or the management of securities or other investments, including the development of an investment strategy or retention of an investment manager or advisor. 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 in consultation with an investor’s personal advisor based on the investor’s own objectives and circumstances.
Annuity account options are available through contracts issued by TIAA or CREF. These contracts are designed for retirement or other long-term goals, and offer a variety of income options, including lifetime income. Payments from the variable annuity accounts are not guaranteed and will rise or fall based on investment performance.