When TIAA1 does well, our participants do better

Over the last 3 years, we shared:

$10B in profits with 2M participants
How it works

Profits we make are returned to participants and reinvested in the business for future sharing

3 hypothetical scenarios2

male silhouette

Meet Troy,
age 35

Initial contribution: $10K
Years invested: 10
Guaranteed future value: $13,439
Actual return*: $15,364

Shared profits: almost $2,000

woman silhouette

Meet Andrea,
age 56

Initial contribution: $10K
Years invested: 20
Guaranteed future value: $18,061
Actual return*: $29,153

Shared profits: over $11,000

woman with a bun silhouette

Meet Brenda,
age 89, retired 1994**

Annuitized amount**: $100K
Years receiving income: 24
Guaranteed income: $135,772
Actual income: $256,659

Shared profits: over $120,000

Find out more about how this works
If you’re a TIAA Traditional customer, you may already be receiving shared profits. To find out:
  1. Log in to your account.
  2. Scroll down to the “Your accounts” section.
  3. Click on the plus sign (+) next to “Retirement Investments” to see your holdings.
  4. Select the EMPLOYER button and then select the plus sign (+) next to your employer’s name.
  5. Select the retirement plan name to view your account details.
TIAA Traditional will show in the list of “Investments” if you have it.
Select the “View Interest Rates” link to see the Additional Amount of interest you may be earning over your guaranteed future value.
Soon, you’ll also see any shared profits noted on your statement.

If you are not currently contributing to a TIAA Traditional fixed annuity, and you determine that a TIAA Traditional fixed annuity meets your needs, you can purchase it through your workplace retirement plan. TIAA Traditional is designed to be a core component of a diversified retirement savings portfolio.3 Your TIAA Traditional account earns interest every day and it can pay you income for life in retirement.4
If your employer does not offer this option, you may be eligible to invest through an Individual Retirement Account (IRA), which has the potential to receive shared profits.

No, however, TIAA1 is owned by a not-for-profit company. With no public shareholders—and a charter that requires TIAA operate without profit—TIAA is uniquely able to return profits to participants and reinvest in our business for future sharing.

Profits can be shared with you through your TIAA Traditional account. Historically, profits have been shared with participants as they save for retirement and during their retirement years. Past performance does not guarantee future results.
No. Every year, the TIAA board determines whether to share profits with participants. While it is not guaranteed, we’ve shared profits every year for the past 70 years.
Over the past 3 years, TIAA has shared more than $10 billion with 2 million participants invested in TIAA Traditional.
Participant is a long-standing name we use to describe a client who “participates” in their employer-sponsored retirement plan recordkept by TIAA.
Still have questions? Call us at 844-567-9488.
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TIAA's charter
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This is how we’ve always done business, since 1918

"The purpose of the corporation is to aid and strengthen nonprofit colleges, universities, institutions engaged primarily in education or research, governments and their agencies and instrumentalities, and other nonprofit institutions... all without profit to the corporation or its stockholders."
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We provide personalized financial advice to our participants at no extra cost

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A solid approach

TIAA participants have the highest average retirement account balances in the not-for-profit industry5

1Teachers Insurance and Annuity Association of America, New York, NY
2These scenarios are based on a hypothetical rate of return and are not intended to represent the performance of any specific investment product. They cannot predict or project investment returns. Charges, taxes and expenses that would be associated with an actual investment, and which would reduce performance, are not reflected.
3Diversification is a technique to help reduce risk. It is not guaranteed to protect against loss.
4Any guarantees under annuities issued by Teachers Insurance and Annuity Association of America (TIAA) are subject to TIAA’s claims-paying ability.
5Average account balance calculated from Plan Sponsor 403(b) and 457 Buyers Guide 2017, using assets and participants in 403(b) and 457 plans, as reported by TIAA and other survey respondents.
TIAA has shared $10B in profits over the past 3 years as of 12/31/17.
Please note, average retirement account balances are not a measure of performance of TIAA retirement offerings.
Certain products and services are only available to eligible individuals.
Interest credited to TIAA Traditional Annuity accumulations includes a guaranteed rate, plus additional amounts as may be established on a year-by-year basis by the TIAA Board of Trustees. The additional amounts, if and when declared, remain in effect through the “declaration year,” which begins each March 1 for accumulating annuities, and January 1 for payout annuities. Additional amounts are not guaranteed for periods other than the period for which they are declared. All guarantees are based on TIAA’s claims-paying ability. TIAA Traditional is a guaranteed insurance contract, and not an investment for federal securities law purposes.
TIAA Traditional may not be available under all employer-sponsored retirement plans recordkept by TIAA but is available to eligible individuals through a TIAA IRA. The terms of TIAA Traditional differ between contract forms. Some contracts allow for full withdrawals and transfers. Other contracts only permit withdrawals and/or transfers to be paid in multiyear installments and certain withdrawals may be subject to a surrender charge. Review your contract, certificate, or other product literature, or contact TIAA for complete details. When TIAA Traditional Annuity is made available within an employer-sponsored retirement plan, income and withdrawal options are subject to the terms of the employer plan. Withdrawals prior to age 59½ may be subject to a 10% federal tax penalty.
Earnings and pretax contributions in the TIAA Traditional annuity are tax deferred until withdrawn or converted to income, at that time the amount received is taxable.
Annuities are designed for retirement and other long-term goals. When you contribute to an annuity, your money must remain in it until you reach 59½. If you make a withdrawal before then, the money will be taxed as ordinary income and you may be subject to an additional 10% early withdrawal penalty. Annuities offer several payment options, including lifetime income.
This material is for informational or educational purposes only and does not constitute a recommendation or investment advice in connection with a distribution, transfer or rollover, a purchase or sale of securities or other investment property, or the management of securities or other investments, including the development of an investment strategy or retention of an investment manager or advisor. 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 in consultation with an investor’s personal advisor based on the investor’s own objectives and circumstances.
Annuity contracts contain exclusions, limitations, reductions of benefits and may contain terms for keeping them in force. We can provide you with costs and complete details.

TIAA Traditional is issued by Teachers Insurance and Annuity Association of America.

The TIAA Traditional Annuity Retirement Annuity (RA) contract form series 1000.24; Group Retirement Annuity (GRA) certificate form series G-1000.4 or G-1000.5/G1000.6 or G1000.7 (not available in all states); Supplemental Retirement Annuity (SRA) contract form series 1200.8; Group Supplemental Retirement Annuity (GSRA) certificate form series G1250.1; Retirement Choice (RC) contract form series IGRS-01-84-ACC; Retirement Choice certificate series IGRS-CERT2-84-ACC; Retirement Choice Plus contract form series IGRSP-01-84-ACC; Retirement Choice Plus certificate series IGRSP-CERT2-84-ACC; Group Annuity (GA) contract form series 6008.8 and 6008.9-ACC; After-Tax Retirement Annuity (ATRA) contract form series 1000.24-ATRA; IRA contract form series 1280.2, 1280.4 (not available in all states and generally no longer issued), or TIAA-IRA-01 and Roth IRA contract form series 1280.3 or 1280.5 (not available in all states and generally no longer issued), or TIAA-Roth-01; and Keogh certificate form series G1350 (not available in all states) are issued by Teachers Insurance and Annuity Association of America, 730 Third Avenue, New York, NY 10017.