Retirement plan portfolio manager
Secure your retirement with customized investment support
Our Retirement Plan Portfolio Manager (RPPM) delivers independent advice and automatic investing strategies tailored to your unique needs.
The challenge
Don’t you wish retirement planning was simpler?
Data proves that employees like you want to save more, and you want help establishing the right plan to achieve retirement security.
RPPM can help you pursue your retirement goals with personalized guidance to help you get—and stay—on track.
The solution
Guidance you need for the retirement you deserve
With independent advice provided by Morningstar® and fiduciary oversight from TIAA Trust, N.A., RPPM can boost your retirement readiness and help you stay on track with confidence. We handle the details—you reap the benefits.
Personalized advice
You’ll receive a tailored investment strategy based on your unique financial situation and retirement goals.
Automatic investing
RPPM monitors and adjusts your investments based on your preferences and proximity to retirement.
Better outcomes
With managed accounts, participants saw a 43% increase in retirement wealth, and 73% of participants who were behind got on track for retirement.2
Compare
RPPM versus other options
Check out how RPPM measures up to other choices available to you.
Target-date fund
|
One-time portfolio adjustment
|
Retirement Plan Portfolio Manager |
|
|---|---|---|---|
| Considers your current financial profile and future retirement goals and assets, including Social Security | No | ||
| Updates investments to align with retirement goals | No | ||
| Provides expert advice powered by Morningstar®, including how much to save | No | ||
| Provides actionable quarterly retirement advice updates, including tracking of retirement goals | No | No |
How we're different
High value—low fees
$3 or less charged annually for every $1K invested1
RPPM provides comprehensive, personalized financial strategies through one of the industry's lowest-fee3, in-plan managed account services.
Let us help you plan for retirement
When reviewing your retirement plan, you may wonder if you're contributing the right amount. TIAA offers assistance as part of your plan.
Guidance that's tailored to you
Retirement Journey Planner can help you save, invest and protect your income in retirement.
A benefit for TIAA participants
Retirement planning help is available as a benefit in most plans – at no additional cost.
1 J.P. Morgan Chase “Expanding expectations, expanding opportunities” 2024 Defined Contribution Plan Participant Survey Findings.
2 Morningstar, “The Impact of Managed Accounts on Participant Savings and Investment Decisions” (2025 Update). A total of 84,875 retirement plan participants were included in Morningstar Investment Management’s study. Participants were selected for use based on available information and various filters and include those participants that used the Morningstar® Retirement ManagerSM Managed Accounts service between the dates of January 5, 2007, to December 31, 2024.
3 UPTICK Research, March 2024 which includes representation of some in-plan managed accounts but not all accounts. Participants are charged 30 basis points or less for this service based on assets under management. Fees are deducted quarterly from their accounts.
4 Participants are charged 30 basis points or less for this service based on assets under management. Fees are deducted quarterly from their accounts.
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.
Morningstar Investment Management, LLC (Morningstar) is an unaffiliated investment advisor that provides TIAA with independent, third-party asset allocation models and specific investment recommendations for purposes of the Retirement Plan Portfolio Manager program. The Retirement Plan Portfolio Manager program is a discretionary fee-based asset allocation advisory program provided by TIAA Trust, N.A. Program recommendations are generated by Morningstar as an independent investment authority, retained by TIAA to provide independent advice. The Morningstar tool's advice is based on statistical projections of the likelihood that an individual will achieve their retirement goals. The projections rely on financial and economic assumptions of historical rates of return of various asset classes that may not reoccur in the future, volatility measures and other facts, as well as information the individual provides.
IMPORTANT: Projections and other information generated through the Morningstar tool regarding the likelihood of various investment outcomes are hypo¬thetical, do not reflect actual investment results and are not a guarantee of future results. The projections are dependent in part on subjective assump¬tions, including the rate of inflation and the rate of return for different asset classes. These rates are difficult to accurately predict. Changes to the law, financial markets or individual personal circumstances can cause substantial deviation from the estimates. This could result in declines in an account's value over short or even extended periods of time.
No strategy or investment policy can eliminate or anticipate all market risks and losses can occur.