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Seek a better future with an IRA

An Individual Retirement Account (IRA) helps you save for retirement, in addition to a plan you may have at work—like a 401(k) or 403(b). Within your IRA, you could invest in mutual funds, bonds, stocks, annuities and more.

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Find the right solution for you

No matter where you are with your retirement savings, we have an IRA option that can help. Find the one that's right for you, and take advantage of the potential tax benefits.

Grow savings tax-deferred

With a traditional IRA you can deduct your contributions to reduce your taxable income. You won't pay taxes until you withdraw money in retirement.1

Access your money tax-free

A Roth IRA provides access to your contributions tax- and penalty-free before retirement. You won't pay taxes when you withdraw money in retirement.2

Consolidate accounts

An IRA rollover consolidates previous workplace accounts into a single IRA, giving you a clearer view of your retirement picture.3

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Still not sure which IRA is right for you? Try our IRA selector tool


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IRA guidelines

Learn the ins and outs of IRA eligibility, contributions and tax deductions.

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Income for life

See how you can get guaranteed growth now and lifetime income in retirement with your IRA.4

Investment choices

View featured investment options and see our full lineup of choices.

Work with a proven industry leader

For more than a century, TIAA has helped clients secure a better retirement through expert advice and portfolio options that can provide income for life.4

Advice & support
A team of experienced consultants that can help you every step of the way5
Tailored to you

Customizable portfolio options including annuities, mutual funds, and full-service brokerage6

Low or no fees
No account opening or maintenance fees and no minimums to open or invest7
Quick & easy

You can open your IRA in just a few minutes and access your account from any device

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Ready to take action?

Open or roll over to a new TIAA IRA today.

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Open in just a few minutes with our seamless online application.

Give us a call

Speak with a consultant for assistance from start to finish. Available weekdays, 8 a.m. – 7 p.m. (ET).

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.

1Income limitations may apply and withdrawals are taxed upon distribution.

2Withdrawals of earnings prior to age 59½ are subject to ordinary income tax and a 10% penalty may apply. Earnings can be distributed tax free if distribution is no earlier than five years after contributions were first made and you meet at least one of the following conditions: age 59½ or older or permanently disabled. Beneficiaries may receive a distribution in the event of your death.

3Before rolling over or consolidating assets, consider your other options. You may 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 consultant and your tax advisor regarding your situation. Learn more at in a new window

4Any guarantees under annuities issued by TIAA are subject to TIAA's claims-paying ability.

5Financial consultants provide advice and education using an advice methodology from an independent third-party.

6Annuity account options are available through contracts issued by TIAA or CREF. These contracts are designed for retirement or other long-term goals, and offer a variety of income options, including lifetime income. Payments from the variable annuity accounts are not guaranteed and will rise or fall based on investment performance.

7There is no account fee to own a TIAA IRA; however, brokerage transaction fees may apply. In addition, investors are subject to the underlying funds' portfolio management fees and expenses.

TIAA Brokerage, a division of TIAA-CREF Individual & Institutional Services, LLC, Member FINRA and SIPC, distributes securities. Brokerage accounts are carried by Pershing, LLC, a subsidiary of The Bank of New York Mellon Corporation, Member FINRA, NYSE, SIPC.

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.