Retirement plans

Almost ready to retire? Your retirement plan has options that can provide income that's guaranteed for life.

Find out how
Get the basics

Your employer's retirement plan may be one of the best ways to save for retirement

Start saving today, no matter where you are in your career. You'll likely need 70 - 80% of your preretirement income to retire comfortably—and you'll need that income as long as you live.

TIAA Options

Retirement saving options for everyone

Retirement plans

Employees

An easy way to save for retirement.You can start by enrolling in your employer's retirement plan, especially if they match what you put in.

Retirement Plans

Small business owners

We offer two options, SEP IRAs and SIMPLE IRAs, and both can serve as a way to save for retirement for you and your employees.

IRAS

Individuals

If your employer doesn't offer a retirement plan, you can start saving on your own. You can also use our IRAs and Personal Annuities to save beyond your employer’s plan limits.

Why TIAA

We work with you and your employer

Your mission is our specialty

For almost 100 years, we've helped people in the academic, medical, research, governmental and cultural fields plan for retirement.

Retirement is our primary business

And we're good at it: TIAA participants have the highest retirement account balances in the not-for-profit industry.1

Lifetime income is an option

If your plan offers TIAA annuities, you can start saving now for steady income in retirement.

Take action

Enroll in your employer's retirement plan

Retirement plans

Enroll

It's easy to enroll in your employer’s retirement plan.

Enroll
Retirement plans

Already enrolled?

Register for online access and see what's next.

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We're here to help.

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800-842-2252

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Discover more

Products

Maxed out your employer plan?

If you've maxed out contributions to your retirement plan, learn how an IRA can help you to save even more, tax deferred.

Learn more
Products

Need to save even more?

If you're already saving in a retirement plan and IRA, and are looking for additional retirement savings, consider a personal annuity.

Learn more
Mutual Funds

Lifecycle funds

You can set your retirement date and our target-date funds help keep your investments on track.

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Insights

Investing 101

Get the basics on investing concepts.

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1 Average account balance calculated from Plansponsor 403(b) and 457 Buyers Guide 2019, using assets and participants in 403(b) and 457 plans, as reported by TIAA and other survey respondents.

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

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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