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 into a TIAA IRA will earn 4.75% through February 2025.1

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

Reach your retirement goals

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.

Which IRA is right for you?

No matter your retirement goals, we have an IRA that can help you reach them. Find the one that's right for you and take advantage of the potential tax benefits.

Grow your savings tax deferred with a traditional IRA

Learn more about traditional IRAs and how your contributions may be tax-deductible.2

Enjoy tax-free retirement income with a Roth IRA

See how tax-free retirement income works with a Roth IRA.3

Get a single view of your savings with an IRA rollover

Learn how a rollover to TIAA 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


See how an IRA can benefit you

IRA tax guidelines

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

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TIAA Traditional offers guaranteed growth and income

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

Choose investments for your IRA

We offer an array of investments to help you achieve a secure retirement.

Calculate your retirement

Wondering if you're on track for retirement? Our calculator can show you.

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 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.

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.