TIAA stable value*

Guaranteed growth. Income for life.

You deserve a secure retirement. TIAA Stable Value is a fixed annuity that is guaranteed to grow every day while you save and can provide monthly retirement checks for life.1-3

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1 Annuity contracts are issued by Teachers Insurance and Annuity Association of America.

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. 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. This additional amount is not guaranteed other than during the period that it is declared by the Board. 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.

3 Subject to plan rules. If your plan offers investment options known as “competing funds” (for example, a money market account, short-term bond funds or self-directed brokerage accounts) 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.

4 Converting some or all of your savings to income benefits is an irrevocable decision once benefit payments begin.

5 Lifetime income payments from TIAA Traditional may include a TIAA Loyalty BonusSM which is discretionary and determined annually.

6 For its stability, claims-paying ability and overall financial strength, Teachers Insurance and Annuity Association of America (TIAA) is one of only three insurance groups in the United States to currently hold the highest rating available to U.S. insurers from three of the four leading insurance company rating agencies: A.M. Best (A++ as of July 2024), Fitch (AAA as of August 2024) and S&P Global Ratings (AA+ as of May 2024), and the second highest possible rating from Moody’s Investors Service (Aa1 as of September 2023). There is no guarantee that current ratings will be maintained.

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.

Contract Forms: TIAA Stable Value TIAA Contract form series – SV-01 and SV-02, TIAA Certificate series – SV-CERT1 and SV-CERT2. TIAA Traditional form series including but not limited to: 1000.24; G-1000.4; IGRS-01-84-ACC; IGRSP-01-84-ACC; 6008.8. Not all contracts are available in all states or currently issued. 

Contributions from different plans are pooled together and deposited in a non-unitized pooled separate account of TIAA. This guaranteed annuity contract is not considered an "investment" or "security" under federal securities laws. In addition, the contract provides a guaranteed minimum rate of interest of between 1% and 3% (before deductions for contract fees).

Contract fees are described in the annuity contract and are collected on a daily basis. Payment obligations and the fulfillment of the guarantees provided for in the contract in the accumulation phase are supported by the assets in the separate account. If the assets in the separate account are insufficient to meet these obligations, the shortfall is supported by the General Account of TIAA and is therefore subject to TIAA's claims-paying ability. Lifetime annuity payments are provided by TIAA, are subject to TIAA's claims-paying ability, and are not supported by the assets in the separate account.

Past interest rates are not indicative of future interest rates. This product is not a mutual fund, variable annuity or bank product. The obligations of TIAA are not insured by the FDIC or any other federal governmental agency.

As provided for in the annuity contract, restrictions may apply to certain plan sponsor- and/or participant-initiated transactions. Please refer to the annuity contract or certificate for further details.

Annuity contracts contain exclusions, limitations, reductions of benefits and may contain terms for keeping them in force. Your financial consultant or advisor can provide you with costs and complete details. 

This material is for informational or educational purposes only and is not fiduciary investment advice, or a securities, investment strategy, or insurance product recommendation. This material does not consider an individual’s own objectives or circumstances which should be the basis of any investment decision.

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