TIAA Stable Value

Guaranteed growth, lifetime income & flexibility

TIAA Stable Value fi­xed annuitygrows in all markets and provides income you can't outlive in retirement.2


Why choose TIAA Stable Value?

Guaranteed growth

Every day, your savings is guaranteed to grow at a competitive rate, even during market downturns.2

Lifetime income

You can convert all or part of your savings into guaranteed monthly income for the rest of your life.2


You have the ability to access your money at any time should the need arise.3

Next steps

See how to put TIAA Stable Value to work for you

Update Investments

Log in, see if it's available in your TIAA retirement plan, and move money in your account.4

Future contributions

Log in, see if it's available in your TIAA retirement plan, and change future savings in your account.

Let's compare

How TIAA Stable Value fits among our other conservative options

Money market

Lower, short-term interest rate

Flexible–works like cash

TIAA Stable Value

Competitive interest rateAccess to your money

TIAA Traditional

Higher, longer-term interest rate

Can be used for lifetime income in retirement

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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 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.

Prior to rolling over, consider your other options. You may also be able to leave money in your current plan, withdraw cash or roll over the assets to your new employer’s plan if one is available and rollovers are permitted. Compare the differences in investment options, services, fees and expenses, withdrawal options, required minimum distributions, other plan features, and tax treatment. Speak with a TIAA-CREF Consultant and your tax advisor regarding your situation. Learn moreLearn more about Know our Options from TIAAOpens pdf . TIAA Stable Value is not available within an IRA. TIAA Stable Value may not be available under the terms of your employer's plan.

Contract Forms: TIAA Stable Value TIAA Contract form series – SV-01 and SV-02, TIAA Certificate series – SV-CERT1 and SV-CERT2.

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 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.