Ready to save with TIAA Traditional?

We can help you based on how you want to proceed. If you simply want to make a one-time transfer of existing retirement savings to TIAA Traditional, click the button below to get started.

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

How do you want to proceed?

Use a guided digital advice tool

Simply answer some questions about your situation and receive a recommendation for your investment mix.

Ready to do it yourself?

We make it easy to move existing retirement savings to TIAA Traditional, or you can update your future contributions.

Looking for something else?

As a TIAA participant, you have access to a number of resources that can help you make decisions about your retirement.

Guided digital advice from TIAA

The tools below will suggest how much TIAA Traditional you should have in your retirement savings based on your current situation, including your age, how much you have already saved for retirement and other considerations.

The tools do all the work based on how you respond to the questions. We have two advice tools for you to choose from based on your preferences.

  Advice Express Retirement Advisor
Helps you choose the investments for your account Helps you choose the investments for your account and keeps you on track with your retirement goals
Features  
No extra cost

Objective, third-party advice
Updates current investments and future allocations
Confidence score No
Suggests how much you should contribute each paycheck No
Predicts when you can retire No
Offers managed account option No
Compatible for plans that don't offer advice No Guidance version available
How long does it take? 5 minutes 10-15 minutes
  Start AdviceStart Advice with Advice Express in a new tab Start Advice

Manage your retirement plan

Transfer existing savings

In 4 steps, you can transfer money from your TIAA retirement plan account to TIAA Traditional.1

Add or increase contributions

In 4 steps, you can create a new allocation for future contributions.1

Rolling over from another account?
If you have savings outside of your TIAA retirement plan, consider rolling over. 2Opens in a new window

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

Other resources available to you

Call

Let's discuss

Schedule an appointment with a financial consultant, or call 800-732-8353, weekdays, 8 a.m. – 8 p.m. (ET)

Calculate

Crunch some numbers

Visit My Personal Pension calculator to quickly estimate how much guaranteed lifetime income you could get in retirement.

1Before 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.

2Prior 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 moreOpens pdf

The advice supplied by Advice Express is provided by an independent financial expert, Morningstar Investment Management, LLC (Morningstar). Morningstar provides the risk tolerance and portfolio recommendations (asset allocation and fund selections) using its investment methodology, which is based on statistical projections of the likelihood that you will achieve your stated monthly retirement income goal. 

Important: The recommendations or other information generated by the Morningstar software program used by this tool regarding the likelihood of achieving your stated monthly retirement income goal are hypothetical, do not reflect actual results and are not a guarantee of future results.

The TIAA Retirement Advisor's objective is to provide you with help you reach your desired retirement income goal by helping you define a plan based on asset allocation, savings and retirement age. TIAA does not monitor your retirement assets on an ongoing basis, nor does TIAA update your information on this tool to reflect changes in your personal circumstances. You should periodically monitor your retirement strategy as your needs and personal circumstances change. Results are not guaranteed and do not reflect actual returns on any investment. The TIAA Retirement Advisor is not a substitute for tax, legal or comprehensive financial planning advice.

Important: The projections or other information generated by the Retirement Advisor tool regarding the likelihood of various investment outcomes are hypothetical in nature, do not reflect actual investment results and are not guarantees of future results. Results may vary with each use and over time.

Annuity contracts contain terms for keeping them in force. Exclusions, restrictions, limitations and reductions in benefits will, in certain situations, apply to annuity contracts. Your financial consultant or advisor 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 1000.24; G-1000.4 or G-1000.5/G1000.6 or G1000.7; 1200.8; G1250.1; IGRS-01-84-ACC and IGRS-02-ACC; IGRS-CERT2-84-ACC and IGRS-CERT3-ACC; IGRSP-01-84-ACC and IGRSP-02-ACC; IGRSP-CERT2-84-ACC and IGRSP-CERT3-ACC; 6008.8 and 6008.9-ACC; 1000.24-ATRA; 1280.2, 1280.4, or 1280.3 or 1280.5, or G1350.

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 (referred to as "annuitization") is a permanent decision and once lifetime income payments has been selected you are unable to change to another option.

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.

2162675