Retirement Plan Annuities

TIAA Traditional

Guaranteed growth, lifetime income & exclusive benefits

Market-proof your retirement every day with the guarantees, growth opportunities and income found in our TIAA Traditional fixed annuity.*
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* Issued by Teachers Insurance and Annuity Association of America (TIAA), New York, NY.
Next Steps

You can put TIAA Traditional to work for you

Don't know how much to contribute to TIAA Traditional? A good starting point is approximately "half your age."
Example: 25% of your retirement portfolio at age 50.1
Update investments
In 4 steps, you can transfer money from your TIAA retirement plan account to TIAA Traditional. 2
Future contributions
In 4 steps, you can create a new allocation for future contributions. 2
If you have savings outside of your TIAA retirement plan, consider rolling over.3

Why TIAA Traditional?

saving is simple

Guaranteed growth

The value of your retirement savings is guaranteed to increase every day even in the most volatile markets.4

Guaranteed lifetime income

Turn your savings into regular monthly income to help meet your everyday living expenses in retirement.4

Exclusive benefits

Our "sharing the profits" approach seeks to reward you with additional growth and income.5
See how we share
My personal pension

See your monthly lifetime income payment now

No matter where you are in your career, calculate an estimate of your TIAA Traditional payments—including profit sharing—in under a minute.
Trust TIAA

We’ve put our customers first for over 100 years

SINCE 1918
Our retired participants have never missed a payout from us.6
Since 1949
TIAA has paid more in lifetime income than our guaranteed minimum amount every year over the past 70 years.
Since 2016
We’ve shared over $10 billion in profits with our customers over the last three years.7
See how we share profits
Take action

We're here to help you

Already with TIAA?

Start saving in TIAA Traditional by updating your contribution options online.

New to TIAA?

Make sure you're taking full advantage of your employer's retirement plan.

Want to talk first?

No problem-our consultants can help explain your options.
1 The “half your age” Point of View represents an approximate starting place a participant can consider when allocating a portion of their retirement portfolio into TIAA Traditional and is not to be used in place of advice which is provided by a registered advisor.
2 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. Consult with your own advisors regarding your particular situation.
3 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 more at
4 All guarantees are based on TIAA's claims-paying ability. TIAA Traditional is a guaranteed insurance contract and not an investment for federal securities law purposes. Past performance is no guarantee of future results.
5 TIAA may share profits with Traditional Retirement Annuity owners through declared additional amounts of interest and through increases in annuity income throughout retirement. These additional amounts are not guaranteed.
6 As of 12/31/20.
7 Amount paid as of 12/31/19.

Annuity contracts may contain terms for keeping them in force. We can provide you with costs and complete details.


TIAA Traditional is issued through the following contracts: 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.

Transfers and withdrawals from TIAA Traditional are restricted by its underlying agreements that can affect the liquidity of the product.
Exchanging your savings for income payments is an irrevocable decision.
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.