Tiaa retireplus®
Everyone deserves a more secure future
Now there’s a clearer path to getting there
You get the convenience of automated investing with the promise of retirement checks for life, when TIAA Traditional* is offered as part of the service.1,2
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Everyone deserves a more secure future.
Now there’s a clearer path to getting there: TIAA RetirePlus, an all-in-one investing option in your retirement plan.
TIAA RetirePlus sets you up with a diversified mix of investments based on your age that can be matched to your personal investing style, from conservative to more aggressive.
Best of all, when TIAA Traditional is included as part of the mix by your employer, a portion of your savings is protected from market ups and downs.
That portion can never decline in value, is guaranteed to grow every single day, and can be turned into the promise of retirement paychecks for the rest of your life.
This can help you look to the future with confidence, knowing you’ll have money coming in no matter how long you live.
And with TIAA RetirePlus, the protected portion of your savings will gradually increase as you get closer to retirement, building the foundation for a more secure future.
TIAA RetirePlus takes the guesswork out of investing for the future.
It’s automatic, with no investments to manage, personalized to your age and investing style, and built to last, with the option for guaranteed retirement paychecks for life.
It’s another way we’re helping you prepare for tomorrow, so you can enjoy life today.
To learn more, schedule a call with a TIAA financial consultant at 800-842-2252.
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Why tiaa retireplus
Take the guesswork out of investing
Follow the path toward greater financial security later while simplifying your life now.
Automatic
No investments to manage—we take care of that for you.
Personalized
No “one-size-fits-all” approach—your strategy is based on your preferences.
Built to last
No running out—the option for guaranteed payments for life is built in from the start.1,2
How it works
Watch your investments grow
Your money remains active in the market from the time you enroll until you retire.
While you’re working
You’ll start with a diversified mix of investments preselected from your plan’s menu – investments chosen and monitored by your employer with care. And through the years, your plan will continue to reflect your needs.
When retirement nears
Your investment mix will gradually change to become more conservative and help keep you safe.
In retirement
You finally made it! Now your savings will become an important part of your income.
The difference
Guarantees are built in
When TIAA Traditional is included, a portion of your savings is protected and can never decline in value. Your TIAA Traditional balance is also guaranteed to grow during your working years and offers the option for guaranteed retirement checks for the rest of your life.1,2
Guaranteed growth
The money you put into TIAA Traditional grows every day, no matter what the market does.2
Bigger retirement checks
Because we share profits with you, not shareholders,3 you have the opportunity for higher amounts, including the TIAA Loyalty BonusSM.4
Flexibility and control
You control whether, when and how much of your savings to turn into retirement checks for life.5
The advantage
All-in-one benefits make it simple
Get the most personalized and complete solution for your workplace retirement plan with TIAA RetirePlus.
| GETTING STARTED | ||
|---|---|---|
| Easy, all-in-one investing |
More personalized than a target date fund |
Added protection with guaranteed growth through TIAA Traditional2 |
| AS YOU GO | ||
|---|---|---|
| Long-term, disciplined investment approach that becomes more conservative as you near retirement |
Strategy and investments automatically monitored and updated quarterly6 |
Add or change personal information at any time to further fine-tune your strategy |
| WHEN YOU RETIRE | ||
|---|---|---|
| Can activate retirement checks for life through TIAA Traditional 5 |
Opportunity for bigger retirement checks with the TIAA Loyalty Bonus 4 |
Continued growth potential on the rest of your portfolio |
Take action
Subscribe to TIAA RetirePlus or personalize your account
If TIAA RetirePlus is an option in your plan, you can subscribe at any time. If you were automatically subscribed to TIAA RetirePlus by your employer, be sure to personalize your account.
Access resources
Learn more and connect with us
View the TIAA
Take a look at our
See how retirement checks work.
Not enrolled?
If you’re not yet enrolled in your workplace retirement plan, contact your employer to get started.
You should consider the investment objectives, principal strategies, principal risks, portfolio turnover rate, performance data, and fee and expense information of each underlying investment carefully before directing an investment based on the model. For a free copy of the program description and the prospectus or other offering documents for each of the underlying investments (containing this and other information), call TIAA at 877-518-9161. Please read the program description and the prospectuses or other offering documents for the underlying investments carefully before investing.
This material is for informational, educational or non-fiduciary sales opportunities and/or activities only and does not constitute investment advice (e.g., fiduciary advice under ERISA or otherwise), a securities recommendation under all securities laws, or an insurance product recommendation under state insurance laws or regulations to invest through a model or to purchase any security or advice about investing or managing retirement savings. It does not take into account any specific objectives or circumstances of any particular customer, or suggest any specific course of action.
No registration under the Investment Company Act, the Securities Act or state securities laws—the model is not a mutual fund or other type of security and will not be registered with the Securities and Exchange Commission as an investment company under the Investment Company Act of 1940, as amended, and no units or shares of the model will be registered under the Securities Act of 1933, as amended, nor will they be registered with any state securities regulator. Accordingly, the model is not subject to compliance with the requirements of such acts, nor may plan participants investing in underlying investments based on the model avail themselves of the protections thereunder, except to the extent that one or more underlying investments or interests therein are registered under such acts.
No guarantee – Neither the models nor any investment made pursuant to the models are deposits of, or obligations of, or guaranteed or endorsed by TIAA or their affiliates (except with respect to certain annuities sponsored by TIAA or its affiliates), or insured by the Federal Deposit Insurance Corporation, or any other agency. There is no guarantee that the underlying investments will provide adequate income at and through retirement and participants may experience losses. Participants should not allocate their retirement savings to the underlying investments unless they can readily bear the consequences of such loss.
Assets allocated to the underlying investments based on the model will be invested in underlying mutual funds and annuities that are permissible investments under the plan. Some or all of the underlying investments included in the model may be sponsored or managed by TIAA or its affiliates and pay fees to TIAA and its affiliates. In general, the value of a model-based account will fluctuate based on the performance of the underlying investments in which the account invests. For a detailed discussion of the risks applicable to an underlying investment, please see the prospectus or disclosure document for such underlying investment.
TIAA RetirePlus Select® and TIAA RetirePlus Pro® are administered by Teachers Insurance and Annuity Association of America (“TIAA”) as plan recordkeeper. TIAA-CREF Individual & Institutional Services, Member FINRA and SIPC distributes securities products. SIPC only protects customers’ securities and cash held in brokerage accounts. TIAA and CREF annuity contracts and certificates are issued by Teachers Insurance and Annuity Association of America (TIAA) and College Retirement Equities Fund (CREF), New York, NY, respectively. Each is solely responsible for its own financial condition and contractual obligations. Transactions in the underlying investments invested in based on the models on behalf of the plan participants are executed through TIAA-CREF Individual & Institutional Services, LLC.
TIAA RetirePlus Select
TIAA RetirePlus Select is an asset allocation program that includes asset allocation models that a plan participant may choose to guide the investment of his or her account into underlying investment options selected by the plan sponsor (the “underlying investments”). The plan sponsor selects the specific underlying investments available under its plan to represent the various asset classes in the models. An independent third-party advisor engaged by Teachers Insurance and Annuity Association of America (“TIAA”) developed the target asset class ratios for the models and TIAA RetirePlus Select is administered by TIAA as plan recordkeeper. In making TIAA RetirePlus Select available to plans, TIAA is not providing investment advice to the plans or plan participants.