TIAA Stable Value

Keeping your money safe while you earn a guaranteed interest rate

TIAA Stable Value* helps protect your savings and provide income. This annuity allows you to withdraw or transfer your funds and gives you the option for lifetime income in retirement.1,2
You can call 800-842-2252 to speak with an advisor.
* Issued by Teachers Insurance and Annuity Association of America, New York, NY.
How Does It Work?

TIAA Stable Value Annuity basics

If your employer offers TIAA Stable Value, you can keep your money safe while earning a guaranteed interest rate.1,2,3

Putting money in

  • For the long or short term through your employer’s retirement plan
  • To protect your principal1
  • To earn a guaranteed interest rate1

    Taking money out

    • As a stream of lifetime income payments2
    • As periodic payments or lump sum withdrawals4
    • With no surrender charges
    • With no risk of loss from market downturns1,2
      Get the basics

      Features of TIAA Stable Value Annuity

      A fixed annuity offering safety, flexible withdrawal and lifetime income options.
      Guaranteed interest rate
      While you're contributing, get a competitive interest rate. Your balance will never decline.
      Easy withdrawals
      Withdraw or transfer your savings without any surrender charges or adjustments.4
      Income for life
      Once you retire, subject to the terms of your employer’s plan, you can choose from a variety of income
      options, including guaranteed income for life, backed by
      More choices
      Along with or instead of receiving lifetime income when you retire, you can, subject to the terms of your employer’s plan, take a lump-sum payment, or take your money at whatever pace suits you.4

      Is this annuity right for you?

      Can be good if you want:

      • A guarantee that your principal and earnings will never decline
      • Flexibility to transfer and withdraw funds4
      • Competitive interest rates
      • Multiple lifetime income and payout options in retirement2
        WHY TIAA

        Experience in stable value assets

        Have questions about how to contribute to TIAA Stable Value? Call our advisors for personalized support at no additional cost to you.

        TIAA Stable Value

        Next steps

        Here’s how you can start.

        Already with TIAA?

        If your plan offers TIAA Stable Value you can start saving by updating your options online.

        New to TIAA?

        You can start by taking full advantage of your employer’s retirement plan.

        Want to talk first?

        No problem. Our advisors can help explain your options.
        Call us at 800-842-2252

        Discover more


        College savings

        TIAA-CREF Tuition Financing, Inc. manages several state 529 education savings plans which can help you save.
        Managing money

        Managing all your money in one place

        You can log in to your TIAA account to sign up for the secure Financial 360° View tool.

        Investing 101

        Online support to help you make sense of your options.

        Retirement Goal Evaluator

        Use our calculator to estimate how much you may need in retirement.
        1 TIAA Stable Value is a guaranteed annuity contract.  Although the liability to provide contract guarantees and accumulations is backed by the assets in the separate account, any amount to be credited above the minimum guaranteed rate is determined by TIAA. Contract holders and plan participants do not participate in, and do not receive the earnings of, the assets in the separate account. Past interest rates are not indicative of future interest rates. 
        2 Any guarantees under annuities issued by TIAA are subject to TIAA's claims-paying ability. TIAA Stable Value is a guaranteed insurance contract and not an investment for federal securities law purposes.
        3 TIAA Stable Value is not available within an IRA.
        4 If your plan offers investment options known as “competing funds” (for example, a money market account, short-term bond funds or the TIAA Real Estate Account), and you want to transfer money from TIAA Stable Value to one of those options, the amount you transfer must first be directed to a noncompeting option (for example, a stock fund or long-term bond fund), where it must remain for 90 days before being transferred to the competing fund. In addition, to minimize the negative effects of frequent trading, transfers into TIAA Stable Value may not be made for 30 days following a transfer out.
        5 Source:  LIMRA 3Q4Q 2017 Stable Value and Funding Agreement Product Survey. Based on a survey of 15 insurance companies and 2 banks reporting $730.2 billion in stable value amounts associated with both qualified plan arrangements and non-qualified arrangements.  TIAA, with TIAA-CREF Life Insurance Company, ranked first in total values.
        6 Plans that select the TIAA Stable Value annuity product are assigned to “pools” based on the time that the TIAA Stable Value records for the plan are being initiated on TIAA’s systems.  Each pool may receive different Declared Interest Crediting Rates over time and therefore each TIAA Stable Value pool enjoys its own unique gross crediting rate-based returns.  In addition, each plan using TIAA Stable Value may be subject to Contract Fees that will reduce the Declared Interest Crediting rate
        To provide a meaningful proxy of the overall weighted TIAA Stable Value product level historical Declared Interest Crediting Rate-Based returns, TIAA has calculated a weighted illustrative performance series index (the "Index") based on the Declared Interest Crediting Rates in effect for each TIAA Stable Value pool over the applicable return period and the relative weighting of each pool’s contract accumulation to the total contract accumulation for all TIAA Stable Value Pools.
        The calculation is performed by assuming that a single deposit was made at the start of the applicable return period into a hypothetical account that grew by the one-month return of the Index during each month of the return period.  Each month’s Index return is determined by summing the products of a) and b) where a) is the monthly equivalent of each TIAA Stable Value pool’s actual Declared Interest Crediting Rate for the month and b) is a fraction, the numerator of which is the average contract accumulation in the applicable pool during the month and the denominator of which is the average contract accumulation in all pools during the month.  For these purposes the average contract accumulation is calculated as the straight average of the applicable contract accumulation values at the beginning of the month and at the end of the month.  This illustrative Index performance is gross of any plan-specific TIAA Stable Value Contract Fees, and is not based on the performance of any of the assets held in the TIAA Stable Value separate account.   This Index performance is provided for illustrative purposes only and is not based on the Declared Interest Crediting Rates in effect for any specific plan since plans using TIAA Stable Value are assigned to only one pool.  Therefore it is not possible for any single plan or participant to allocate contributions in a pattern that would result in a return that matches the Index performance. Past interest crediting rate are not indicative of future interest crediting rates. TIAA Stable Value's inception date for performance reporting under this method is 9/1/2010.
        TIAA Stable Value may not be available under the terms of your employer’s plan. TIAA Stable Value is not available in Puerto Rico.
        Annuity contracts contain exclusions, limitations, reductions of benefits and may contain terms for keeping them in force. We can provide you with costs and complete details.
        Contract Forms: TIAA Stable Value TIAA Contract form series – SV-01 and SV-02, TIAA Certificate series – SV-CERT1 and SV-CERT2.
        TIAA Stable Value is issued by Teachers Insurance and Annuity Association of America (TIAA), New York, NY.
        Most states offer a 529 education savings plan. Before investing, check your state's website for information about favorable state tax benefits that are only available if you invest in that state’s plan. Consider the investment objectives, risks, charges and expenses before investing in a state 529 education savings plan. Read the Disclosure Booklet containing this and other information carefully. Investments in a state 529 education savings plan are neither insured nor guaranteed and there is risk of investment loss.
        The tax information contained herein is not intended to be used, and cannot be used, by any taxpayer for the purpose of avoiding tax penalties. Taxpayers should seek advice from an independent tax advisor based on their own particular circumstances. Non-qualified withdrawals may be subject to federal and state taxes and the additional federal 10% tax.
        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.