Get guaranteed growth and guaranteed retirement paychecks within a TIAA IRA1

Our TIAA Traditional* fixed annuity provides guaranteed  growth while saving and the option to activate retirement paychecks you can't outlive. Contributions and rollovers in July will earn 4.75% through February 2025.

* TIAA Traditional is issued by Teachers Insurance and Annuity Association of America (TIAA), New York, NY

Guaranteed retirement income with a TIAA IRA

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Work toward your retirement goals with a TIAA IRA

CVD-2672721PR-E0124X TIAA IRA Rollover Benefits Video - "Why TIAA?"
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(Off-camera host)When you roll over your hard-earned retirement savings to a TIAA IRA, you’re not just getting another place to put your money.

You’re getting the benefits that come from more than 100 years of experience, helping people like you reach their retirement goals.

You’ll have options for guaranteed growth while you’re saving and guaranteed retirement income for the rest of your life.

These can help you plan for the future you want, knowing you’ll have enough income to cover things like everyday living expenses.

TIAA IRAs also have responsible investment options, so your investment choices can reflect your personal values.

And whether you’re an experienced investor or not, you can get as much or as little help as you need from our financial consultants.

All at no additional cost.

And we’re here to help you not just today, but every step of the way, with your immediate questions or a longer-term plan.

Opening and rolling over to a TIAA IRA only takes a few minutes.

With access to everything from mutual funds to annuities that offer guaranteed options that can provide income for life, and much more, you’ll have everything you need to create a portfolio that’s right for you.

Tracking your progress online is easy.

What is an IRA account?

An Individual Retirement Account, or IRA, is an investment account that helps you save for retirement and reduce taxes. Your IRA contributions or withdrawals will have tax advantages, depending on the type of IRA and your age. If you have a Traditional IRA, you can deduct contributions from your income to reduce your taxes now. Earnings on contributions are not taxed until withdrawn. If you have a Roth IRA, contributions and earnings grow tax-free until withdrawn on or after age 59 ½. The IRS sets account rules and eligibility. 

Types of IRAs: What is the best IRA for me?

No matter your retirement goals, we have an IRA account that can help you reach them. Find the one that’s right for you and take advantage of potential tax benefits. Consider adding our TIAA Traditional fixed annuity within your IRA for guaranteed growth – even during market volatility.

Grow your savings tax deferred with a traditional IRA

Traditional IRAs let you deduct contributions from your income to reduce your taxes now.

Enjoy tax-free growth with a Roth IRA

Roth IRAs grow tax-free if you withdraw money on or after age 59 ½.

Get a single view of your savings with an IRA rollover

Consolidating, or “rolling over” your savings to one IRA can give you a clear view of your overall retirement.4

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


Other IRA product options

Existing TIAA IRA

  • Current TIAA IRA owners can contribute or roll over funds
  • Potential tax benefits, based on type of IRA

Learn how to roll over or contribute

SIMPLE IRA for small business

  • Designed for small businesses with 100 or fewer employees
  • Allows employers and employees to contribute

Learn about IRAs for small business

SEP IRA for small business

  • Self-employed or small business owner can contribute
  • No mandatory annual contributions

Learn about IRAs for small business

Inherited IRA for beneficiaries

  • Beneficiary can open account after owner passes
  • Options for tax-deferred growth and withdrawals


Learn your options when inheriting an account

Minor IRA for kids earning income

  • Income-earning children can contribute
  • Funds can compound over a lifetime with the same tax benefits as other IRAs

Learn about this IRA for childrenLearn about this IRA for children

529 rollovers for beneficiaries

  • 529 owners or beneficiaries can roll over unused college savings to a Roth IRA
  • Contribute funds to Roth IRA for tax-free income in retirement

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See how an IRA retirement account can benefit you

Guaranteed growth and retirement paychecks with TIAA Traditional

Build retirement savings you can’t outlive with retirement paychecks for life.

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Actionable advice

Add this annuity to your IRA's portfolio and enjoy reliable income throughout retirement.

Customized portfolio

Customize a portfolio to your goals and values with extensive investment choices.

Potential tax benefits from IRAs

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

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.5

Advice & support
A team of experienced consultants that can help you every step of the way6
Tailored to you

Customizable portfolio options including annuities, mutual funds, and full-service brokerage7

Low or no fees
No account opening or maintenance fees and no minimums to open or invest8
Quick & easy

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

Ready to take action?

Open or roll over to a new TIAA IRA today.

Open online

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 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.

1Rates vary by contract. Paycheck refers to the annuity income received in retirement. Guarantees of fixed monthly payments are only associated with TIAA's fixed annuities. TIAA Traditional is a guaranteed insurance contract and not an investment for federal securities law purposes. Past performance is no guarantee of future results. Rate applies to new contributions to TIAA Traditional within TIAA IRAs and Investment Solutions (IS) IRAs. The rates TIAA credits are quoted as effective annual rates with interest compounded daily. Crediting rate may fluctuate based on the contribution month. New money allocated to TIAA Traditional will receive the rate for the month in which the contribution is made. New money is defined as any contribution made to TIAA Traditional within an existing or new TIAA IRA or IS IRA. This includes dollars reallocated from another investment into TIAA Traditional as well as transfers, rollovers and contributions.

2Income limitations may apply and withdrawals are taxed upon distribution.

3Withdrawals 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.

4Before 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

5Any guarantees under annuities issued by TIAA are subject to TIAA's claims-paying ability.

6Financial consultants provide advice and education using an advice methodology from an independent third-party.

7Annuity 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.

8There 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.