TIAA Traditional

Get guaranteed income for life with TIAA Traditional 1


TIAA Traditional is a fixed annuity* that can strengthen your retirement with a guaranteed rate of return. And, once you retire, it can provide you with a monthly retirement paycheck2 — no matter how long your retirement lasts. 

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 *Issued by Teachers Insurance and Annuity Association of America (TIAA), New York, NY.

How it works

Why TIAA Traditional?

Always-On Growth

The security of consistent growth while saving with balances guaranteed to increase every single day—even in the most volatile markets.1

Bigger Retirement Paychecks

The promise of guaranteed lifetime income with the opportunity for raises in retirement and an exclusive TIAA Loyalty BonusSM for long-term contributors.1-4

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Powerfully Different

The confidence that our guarantees are backed by unwavering financial strength and stability. We share profits with participants, not shareholders.2

How can we help?

We can help you find what you are looking for

I want TIAA Traditional

Choose between moving money yourself, getting a recommendation and speaking with a financial consultant.

I am here for education

Learn how TIAA Traditional works and how it can add financial security as you save and throughout retirement.

I'm ready for my retirement paycheck2

If you are at or nearing retirement, we can help you start guaranteed lifetime income payments.

Don’t have an employer-sponsored plan?
Click here to see how you can get TIAA Traditional within an IRA.

Looking for something else?

Product details

Learn about the different transfer and withdrawal options available to you based on your employer-sponsored plan.

My Personal Pension

Calculate in just 30 seconds what your guaranteed monthly income for life can be based on 4 simple questions.

1 All guarantees are based on TIAA’s claims-paying ability. Past performance is no guarantee of future results.

2 Paycheck refers to the annuity income received in retirement.

3 TIAA may share profits with TIAA Traditional Annuity owners through declared additional amounts of interest during accumulation, higher initial annuity income, and through further increases in annuity income benefits during retirement. These additional amounts are not guaranteed beyond the period for which they were declared.

4 TIAA may provide a Loyalty Bonus that is only available when electing lifetime income. The amount of the bonus is discretionary and determined annually.

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

TIAA Traditional is a fixed annuity product issued through these contracts by Teachers Insurance and Annuity Association of America (TIAA), 730 Third Avenue, New York, NY, 10017: 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. 

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. Converting some or all of your savings to income benefits (referred to as "annuitization") is a permanent decision. Once income benefit payments have begun, you are unable to change to another option.

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.