Explore TIAA Personal Portfolio FAQs

General

  • TIAA Personal Portfolio is convenient, online investing with a human touch. It is a service designed to help you achieve your financial goals by helping you establish a goal, select a portfolio that matches the level of risk you are comfortable taking, and then managing your portfolio for you to help it stay on track. You can also personalize your portfolio according to investment styles that matter most to you, such as investing in a socially responsible way. You can get the details in the Advisory Agreement .

    You can check your progress at any time by logging into your account. Plus, Consultants are here to answer any questions you many have along the way. This is a fee-based advisory service. For more about fees, refer to "How much does it cost?"

  • Up to $250,000 of uninvested cash in your account is held in an interest-bearing bank account ("TIAA Bank Sweep account") that is FDIC insured. In addition, up to $500,000 of your investments in mutual funds and/or ETFs are SIPC insured. The Securities Investment Protection Corporation (SIPC) is a nonprofit that restores funds to investors of member firms in certain circumstances. SIPC insurance does not protect against fluctuations in your account, but does provide protection should the brokerage firm become troubled or bankrupt. Just like all Brokerage firms, for investments greater than $500,000, there is risk of loss.
  • Yes, you can choose a Traditional or Roth IRA when selecting which type of Personal Portfolio you would like. If you have maxed out your IRA contribution limits or prefer using other types of accounts, we can help you with those too.

  • Savings accounts are FDIC-insured up to $250,000 and therefore have minimal risk. Investment accounts, including TIAA Personal Portfolio, have greater growth potential than a bank savings account, but involve a greater risk of loss that you should be prepared to bear.
  • A TIAA Personal Portfolio is appropriate for customers with at least $5,000. To open an account, you must meet all of the following requirements:
    • Be a resident of the United States
    • Be over the age of 18
    • Have a valid Social Security number
     
      TIAA Personal Portfolio account options:
      • Traditional IRA
      • Roth IRA
      • Individual taxable accounts
       

        If you are looking for a different managed account option, such as one for assets within a qualified retirement plan (e.g. 401(k) or 403(b)) or with additional features, or have questions about the TIAA Personal Portfolio account types, please call us at 844-362-8422, Weekdays, 8 A.M. – 7 P.M. (ET).

         
      • The annual Advisory Fee is 0.30% of your balance (e.g. $30 annually for a $10,000 balance). This fee is not charged on any uninvested cash, which is automatically held in an interest-bearing Bank account ("TIAA Bank Sweep account") that is FDIC insured for up to $250,000. The Advisory Fee covers all expenses related to the management of your account, including the daily management and oversight of your account, ongoing Program-related advice, custody of assets, trade execution, performance & goal reporting and other administrative expenses. You will also incur additional expenses associated with the mutual funds and/or ETFs held in your account. These expenses are automatically included in each fund's Net Asset Value ("NAV"), and are not deducted from your account.

        The Advisory Fee is deducted quarterly from your account and will appear on your statement. Since the fees are based on your account balance, you can expect the fees to fluctuate. See detailed fee information, including how they are calculated, in the Advisory Agreement .

         

      Investing

      • A mutual fund is an investment vehicle with a specific investment objective and is comprised of securities, including stocks, bonds, money market instruments, etc. Mutual Funds have a net asset value ("NAV"), which is calculated once at the end of each day.

        An ETF is similar to a Mutual Fund in that it has a specific investment objective and is comprised of securities, including stocks, bonds, money market instruments, etc. However, unlike mutual funds, ETFs do not have an "NAV" that is calculated once at the end of each day. Rather, ETFs are traded like common stock on a stock exchange and therefore fluctuate in price throughout the day.

        See related question: What are the types of portfolios offered and what’s the difference?

      • We offer three main types of investment styles

        Basic

        • In this passive investing style, our investment managers invest in funds that track the market.
        • The index funds offered in this style tend to have lower expenses, on average, compared to mutual funds.

        Insight

        • In this active investing style, our investment managers research and select funds in an effort to outperform the market over the long term.
        • Fund expenses tend to be higher, on average, compared to index funds.

        Impact

        • In this active investing style, our investment managers place a priority on funds that meet socially responsible investing criteria while seeking to track the market.
        • TIAA has offered socially responsible funds since 1990. Learn more
        A team of TIAA Personal Portfolio professionals selects the mix of investments in every portfolio and monitors them on an ongoing basis, making adjustments as needed. For more information, see the TIAA Personal Portfolio Wrap Fee Program Disclosure Brochure.
      • Call us at 844-362-8422, Weekdays, 8 A.M. – 7 P.M. (ET) to request a "personalization". We will review your request and may select an alternative security in place of the one you wish to exclude.

      Tracking and updating goals

      • To check on your progress, simply log into your account at tiaa.org, go to your TIAA Personal Portfolio account, and click the plus sign.
      • To make changes, simply log into your account at tiaa.org and select your TIAA Personal Portfolio account. From the quick links section select Edit My Goal, and make your changes.
      • Time frame: We use the time frame you provide to ensure the portfolio you select is appropriate for your goal. For example, to invest in a portfolio with an aggressive risk tolerance, we believe you need to be invested in the portfolio long enough to weather the ups and downs of the markets in order to achieve your desired outcomes.

        Risk level: The risk level that you are comfortable with — from conservative to aggressive — helps determine an appropriate portfolio. For example, if you want to minimize short-term losses, we will not match you with a portfolio that has substantial amounts of investments that may fluctuate significantly in value.

        If your appetite for risk changes or if there is a life change that impacts your goal, please let us know. You can update your goal online or call us at 844-362-8422, Weekdays, 8 A.M. - 7 P.M. (ET). We'll also send you a quarterly email to check in.

        For more information, see the TIAA Personal Portfolio Wrap Fee Program Disclosure Brochure .

      Communications

      • You can stay up to date on your goal progress by logging into your account online at tiaa.org. We'll also notify via email when important documents, such as statements or tax forms, are available. Important documents relating to the Program are also are also available online.

        We have made e-Delivery a requirement for participation in TIAA Personal Portfolio. Communicating with you electronically ensures that you receive account information in a fast, secure way. If you have a situation in which you need to speak with a Consultant or need to request a paper copy of your statement or another document, simply contact us at 844-362-8422, Weekdays, 8 A.M. – 7 P.M. (ET).

        You can revoke your consent to e-Delivery for all communications by calling us. However, if you revoke consent to e-Delivery, TIAA Personal Portfolio may not be appropriate for you and your account may be terminated.

      Funding, deposits and withdrawals

      • Your opening deposit for this account must be at least $5,000. Here are the ways you can fund your new account:
        • Link your bank account by providing your bank routing and account numbers (fastest option).
        • Mail a check payable to "TIAA Brokerage Services" along with a deposit slip (PDF). Please write your Personal Portfolio account number (which will begin with A58) in the check’s memo section. It may take one business day for your new account number to appear online. Send both to:
        TIAA-CREF Brokerage Services
        c/o Pershing, LLC
        One Pershing Plaza
        Jersey City, NJ 07399
        ATTN: Money Desk
         
        • Please note the following: Your opening deposit for this investment account should come from your bank account; third-party checks are not accepted; cashier's checks for less than $10,000 are not accepted.
        • More options. Please call us at 844-362-8422,Weekdays, 8 A.M. - 7 P.M. (ET) to discuss.
      • You have multiple options for making deposits into your account after your initial deposit:
         
        • Transfer money from your bank account. If you linked your bank account, log in at tiaa.org then select your TIAA Personal Portfolio. From the quick links section, select Transfer Money and follow the prompts. You can make a one-time deposit or set up recurring transfers—monthly, quarterly or annually. Deposits are usually credited to your account in 1-2 business days. Modify or cancel your recurring transfers by going to the Review Transfers tab.
        • Mail a check payable to "TIAA Brokerage Services" along with a deposit slip (PDF). Please write your Personal Portfolio account number (which will start with A58) in the check’s memo section. Send both to:
        TIAA-CREF Brokerage Services
        c/o Pershing, LLC
        One Pershing Plaza
        Jersey City, NJ 07399
        ATTN: Money Desk
         
        • Please note the following: Funds for this investment account should come from your bank account; third-party checks are not accepted; cashier's checks for less than $10,000 are not accepted.
        • More options. Please call us at 844-362-8422, Weekdays, 8 A.M. – 7 P.M. (ET) to discuss.
      • Log in at tiaa.org then select your TIAA Personal Portfolio. From the quick links section, select Transfer Money and follow the prompts. If securities need to be sold to make the cash available to withdraw, you can expect the money to be credited to your account in about 5-7 business days.

        You may also withdraw money from your account by requesting that a check be mailed to your home address that we have on file. Log in at tiaa.org then select your TIAA Personal Portfolio. From the quick links section, select Transfer Money then Check Request.

        Please note: When making requests to withdraw money, your account balance cannot go below $4,500. If you must go below that amount please call a Consultant at 844-362-8422, Weekdays, 8 A.M. – 7 P.M. (ET) to discuss your options.

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