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.

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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. The TIAA Access funds have a total net expense ratio ranging from .14% to 2.00% as of December 31, 2019. The industry average is 1.93% as of March 24th 2020.
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.