Retirement plans

Employer-sponsored retirement plans

Call 800-842-2252 to speak to a financial consultant.
What is it?

The basics of employer-sponsored retirement plans

Getting enrolled

  • Your employer may have already enrolled you in an eligible plan.
  • Check with your benefits department or your plan’s microsite to learn about your plan's features.
  • You can enroll online or through your employer.
  • You may be able to choose how much to contribute and how to invest, and name your beneficiaries.
  • Your contributions are automatically deducted from your paycheck and transferred to your retirement account.

Keeping it running

  • You can talk to us—get personalized advice and guidance about your employer-sponsored retirement plan at no additional cost from a TIAA consultant.
  • If your employer matches your contributions, learn how much you need to save to get the match.
  • You can change your contribution amount and investments at any time.
  • You can contribute up to $19,000 in 2019 (or $25,000 if you’re age 50 or older).

What your employer-sponsored retirement plan might include:

Some plans offer TIAA retirement annuities, which can provide you with income for life after you retire—an option that's not available with other investments.

Besides your retirement plan, there are other savings that may support your retirement, like: Social Security payments, an annuity outside your plan, your personal savings, and IRAs.
Help me

Retirement plan highlights

Many employer-sponsored retirement plans offer fixed and variable annuities that provide you with retirement income for life.1
77% of TIAA-CREF’s funds received a Morningstar overall rating of 4 or 5 stars ( 45.45% 4 stars and 31.82% 5 stars ), based on risk-adjusted returns as of September 30, 2019 .2
Expenses for our TIAA mutual funds and annuities are generally about half of the industry average.3

Retirement plans are tax-deferred

You won't pay taxes on the growth of your contributions until you take the money out during retirement.
Next Steps

Enrolling in your employer’s retirement plan

Not ready to enroll?

Learn more about what your employer provides.

Already enrolled?

Register for online access and see what’s next.

Need to pick a company?

Find out what sets us apart.
Note: Your employer may have already enrolled you in an eligible plan.

Discover more


Maxed out contributions to your employer plan?

If you’re already saving in a retirement plan, learn how an IRA can help you save even more, tax-deferred.

Need to save even more?

If you’ve maxed out your employer retirement plan and IRA, and are looking for additional retirement savings, learn about a personal annuity.

Have a retirement plan from an ex-employer?

You can roll the funds over to your current employer's retirement plan.


Adding an IRA to your Retirement Plan can open a world of investment choices.
1 Guarantees are subject to claims paying ability of the issuing company. Variable annuity payments will fluctuate.

2 Morningstar ratings are based on the lowest-cost share class for each mutual fund and include U.S. open-end mutual funds. For a fund with multiple share classes and the same pricing, the share class with the longest performance history is used. The top 10% of funds in an investment category receive five stars, the next 22.5% receive four stars and the next 35% receive three stars. Morningstar proprietary ratings reflect historical risk-adjusted performance and can change every month. They are calculated from the fund’s three-, five- and ten-year average annual returns in excess of 90-day Treasury bill returns with appropriate fee adjustments, and a risk factor that reflects fund performance below 90-day T-bill returns. The overall star ratings are Morningstar’s published ratings, which are weighted averages of its three-, five- and ten-year ratings for periods ended September 30, 2019 . Morningstar is an independent service that rates mutual funds. Past performance cannot guarantee future results. For current performance and rankings, please visit

3 Applies to mutual fund and variable annuity expense ratios. Source: Morningstar Direct, September 30, 2019 . The expense ratio on all mutual fund products and variable annuity accounts managed by TIAA-CREF is generally less than half the mutual fund industry average. 59% are less than half their respective Morningstar Universe average and 50% are less than half their respective Morningstar Universe median.

Our mutual fund and variable annuity products are subject to various fees and expenses, including but not limited to management, administrative, and distribution fees; our variable annuity products have an additional mortality and expense risk charge.