Retirement Plan Annuities

TIAA Traditional

Grows while you save – no matter what1

Provides “pension-like” income when you retire2


Our TIAA Traditional fixed annuity* helps you diversify part of your retirement savings now, and it provides guaranteed lifetime income for living expenses in retirement.
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Issued by Teachers Insurance and Annuity Association of America (TIAA), New York, NY.

Ways to take action today

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 50.4
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Here to move money?

In 4 steps, you can transfer money from your TIAA retirement plan account to TIAA Traditional.3
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Need to run some numbers?

The My Personal Pension calculator takes just 30 seconds to see what your guaranteed monthly income for life can be.
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Looking for advice?

Receive a customized investment strategy based on your age, savings rate, assets and risk tolerance in 5 minutes or less.
Looking for product details by contract type, including transfer and withdrawal restrictions?
Benefits

Why TIAA Traditional?

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Guaranteed growth no matter the market

Know that your retirement savings are protected and guaranteed to increase every single day—even in the most volatile markets.1
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Guaranteed lifetime income you can count on

Turn your savings into “pension-like” retirement income that lasts for life to help cover everyday living expenses—or any expenses you choose.1,2
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Opportunity for more growth & income

Benefit from our unique way of sharing profits with the opportunity for higher interest and income—above and beyond our guarantees.5

In the Spotlight

Trust TIAA

We’ve put our clients first for over 100 years

SINCE 1918
Our retired clients 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 2000
We've shared more than $79B in profits with our clients since 2000.7

Still have questions?

If you would like to schedule an appointment with a financial consultant, please call
800-732-8353.

Weekdays, 8 a.m. – 8 p.m. (ET)
1 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.
 
2 “Pension-like” income refers to lifetime income made available by guaranteed-interest annuity contracts, not income provided by a defined benefit pension plan. Annuity contracts may be funding options in defined contribution pension plans, but are not themselves pension plans. Annuity contract guarantees are subject to the financial strength of the issuing insurer. Defined benefit pension plans are subject to the financial strength of the employer’s pension plan.
 
3 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.
 
4 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.
 
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 12/01/21
 
7TIAA may share profits with Traditional Retirement Annuity owners through declared additional amounts of interest and through increases in annuity income throughout retirement. Additional amounts are on TIAA Traditional Annuity contracts available within an employer-sponsored plan. Additional amounts may be increased the longer accumulation occurs before annuitization. These additional amounts are discretionary, and are not guaranteed.
 
TIAA Actuarial as of 12/31/20 and forecast of approved dividend distribution directed by the TIAA Board of Trustees as of March 2021.
 
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.
 
Responsible investing incorporates Environmental Social Governance (ESG) factors that may affect exposure to issuers, sectors, industries, limiting the type and number of investment opportunities available, which could result in excluding investments that perform well.
 
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.
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