Retirement plans

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

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


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.



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.


We work with you and your employer

Take action

Enroll in your employer's retirement plan

Retirement plans


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

Retirement plans

Already enrolled?

Register for online access and see what's next.

Call Us

We're here to help.

Weekdays, 8 a.m. – 10 p.m. (ET)


Discover more


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.


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.

Mutual Funds

Lifecycle funds

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


Investing 101

Get the basics on investing concepts.

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.