TIAA Access

Build retirement income for life with a low-expense account that invests in underlying mutual funds.2

TIAA RetireAccessSM suite of products

TIAA Access, a variable annuity, is a unique retirement savings account that invests in underlying mutual funds. Invest during your working years. And upon retirement, you can choose lifetime income while keeping your dollars invested.1

Available fund types with TIAA Access:

InfoGraphic TIAA Access
Get the basics

How does TIAA Access work?

Step One

See if TIAA's Access Annuity is available in your retirement plan.

Step Two

You can choose from a variety of investment options available in your plan.

Step Three

You can modify your investments as needed while you're working.

Step Four

You can remain invested while receiving income from TIAA Access Lifecycle Retirement Income Fund.

Is TIAA Access right for you?


  • An annuity with many investment options
  • Low fees compared to similar products from competitors2
  • Income you can't outlive
  • Part of the TIAA RetireAccess suite of products
Why us

Why choose us?

Unique retirement income option

You can select the TIAA Access Lifecycle Retirement Income Fund.


Lower fees mean more money is available to invest.2

Next steps

If you want to get started with TIAA Access

Already with TIAA?

Manage your money with secure online access.

Want to talk first?

Call us at 800-842-2252 or find the nearest TIAA office.

1 If offered by the plan. TIAA Access Annuities are not available in IRA accounts. Converting some or all of your savings to income benefits (referred to as "annuitization") is a permanent decision. Once income benefit payments have begun, you are unable to change to another option. 

2 Morningstar, Inc. Total net expenses for TIAA Access ranges from 12 bps to 187 bps compared to the variable annuity universe average total net expenses of 235 bps. January 5, 2024

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.

Annuities are designed for retirement and other long-term goals. They offer several payment options, including lifetime income. Guarantees are based on the claims-paying ability of the issuer. However, payments from TIAA variable annuities are not guaranteed and the payment amounts will rise or fall depending on investment returns. If you choose to invest in the variable investment products, your money will also be subject to the risks associated with investing in securities, including loss of principal. Withdrawals of earnings from an annuity are subject to ordinary income tax plus a possible federal 10% penalty if you make a withdrawal before age 59½. The value of a variable annuity is subject to market fluctuations and investment risk so that, if withdrawn, it may be worth more or less than its original cost.