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Frequently asked questions

How can I contact TIAA?

For help and advice, call us anytime at 800-842-2252. You can also contact us online.

What do I do after I enroll?

After enrolling, you'll receive a TIAA Welcome Kit and a Legal Package including your contract and contract number.
Review your Welcome Kit carefully to verify the information is correct, including investments and beneficiary information.
You may also review your existing accounts and make transactions online by logging into your secure account.

How can I see my accounts and perform transactions online?

When you enroll online, you create an individual account where you can view your balances, change your investment mix, make transfers and other transactions.

If you're already enrolled, log in to your secure account from the login button at the top of the home page of this site.

Can I get help choosing my investments?

For help and advice, schedule an appointment with a TIAA investment professional or attend a seminarOpens in a new window.

What is the difference between a mutual fund and an annuity?

There are a number of important differences between mutual funds and annuities when they are offered under a retirement plan.

A mutual fund is a pool of securities, such as stocks and bonds, managed by an investment company.
An annuity is an insurance contract with one or more fixed-rate and variable investment options.

As for income options, annuities offer you the opportunity for lifetime income with or without guaranteed payments for a fixed time period*. Or you can decide to receive income for a certain number of years or take a cash withdrawal (depending on your plan’s provisions). Mutual funds offer systematic withdrawals. Otherwise, mutual funds and annuities are treated very similarly when offered as part of your employer’s retirement plan.

*Guarantees are subject to the claims-paying capability of the insurer. Payments from variable accounts will fluctuate based on investment performance.

What are the benefits of owning mutual funds?

Many participants enjoy the diversity of investing in mutual funds in their retirement plans.

The mutual funds chosen for your retirement savings plan provide the opportunity to focus on specific market segments - all of which offer varying degrees of risk and reward opportunities.
By owning a combination of funds with different investment characteristics, you may be able to offset the poor performance of one asset class with another that is benefiting from an upward trend. However, diversification doesn't guarantee against loss.

Who would benefit most from owning mutual funds?

Mutual funds offer diversification, professional management, relatively low investment minimums and fees, and a range of choices among different asset classes.

Owning mutual funds can reduce risk through diversification and professional management, and allow you to potentially invest in a broad range of asset classes – U.S. and non-U.S. stocks, bonds, and real estate – with smaller amounts of assets.

Is there a tax advantage to owning variable annuities versus mutual funds?

No, there is no tax advantage to owning variable annuities or mutual funds in your TIAA-funded retirement plan. Both options receive favorable tax treatment under the plan.

I have a form requiring notarization. How do I find an online Notary?

There are several technology companies that offer end-to-end notarization systems. TIAA has partnered with Notarize.com (www.Notarize.com/TIAAOpens in a new window) to offer a digital and secure way for you to fulfill notarization requirements for your forms.

Arizona University System

Retirement benefits
- - 401(a) Optional Retirement Plan
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401(a) Optional Retirement Plan
Voluntary 403(b) Plan TDA

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Voluntary 403(b) Plan TDA

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View all investments
Research and performance

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Arizona University System

Investment options

401(a) Optional Retirement Plan

Learn how to start investing and find out which options are available for this plan.

Investment approaches

Explore different ways to invest your retirement savings

Hands-off approach

Try a one-step solution

A target-date fund based on when you’d like to retire.¹

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Guided approach

Pick an investment mix with help

Choose based on your preferred investment style.

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You’ll pick an investment mix

If you're comfortable, you can choose your own investments.

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To participate in the Arizona Board of Regents Optional Retirement Plan (ORP), you must set up an account on this site and elect the ORP with your university. If you do not complete both steps within 30 calendar days of eligibility, your retirement plan participation will permanently and irrevocalby default to the Arizona State Retirement System.

To enroll in the Voluntary 403(b) Plan, you must set up an account on this site and also enroll on the Arizona University System NetBenefitsOpens in a new window website.

Further instructions can be found by selecting your employer from the drop down menu below. For help from a TIAA representative, call 800-842-2252.

Arizona State University
Arizona University System Optional Retirement Plan
STEP 1

Follow the instructions below based on your type of employment:

Newly-hired and newly-eligible faculty and staff: An email will be sent to your ASU email address (subject IMPORTANT MANDATORY RETIRMENT PLAN INFORMATION) with information and instructions.
Reclassified staff and those meeting 20/20 eligibility rules: Print out and complete an Election of Retirement Option formElection of Retirement Option form. Link opens in a new window. and return or fax it to ASU's HR Benefits Office at 480-993- 0008.

STEP 2

Open your TIAA account onlineArizona University System Optional Retirement Plan. Opens in a new window.. Have the following information available before you establish your account online:

Your investment allocation amounts/percentages for your Optional Retirement Plan investment choices.
Your Social Security number.
Your beneficiary's Social Security number, birth date and address.

Arizona University System Voluntary 403(b) Plan
STEP 1

Visit NetBenefitsNetBenefits. Opens in a new window. to designate your 403(b) Plan contribution amount and to select your provider.

STEP 2

Open your TIAA account onlineArizona University System Voluntary 403(b) Plan. Opens in a new window.. Have the following information available before you establish your account online:

Your investment allocation amounts/percentages for your Voluntary 403(b) Plan investment choices.
Your Social Security number.
Your beneficiary's Social Security number, birth date and address.

Northern Arizona University

Arizona University System Optional Retirement Plan
STEP 1

Submit your election electronically to the NAU Human Resources DepartmentNAU Human Resources Department. Link opens in a new window., then choose Enroll in ORP.

STEP 2

Open your TIAA account onlineArizona University System Optional Retirement Plan. Opens in a new window.. Have the following information available before you establish your account online:

Your investment allocation amounts/percentages for your Optional Retirement Plan investment choices.
Your Social Security number.
Your beneficiary's Social Security number, birth date and address.

Arizona University System Voluntary 403(b) Plan
STEP 1

Visit NetBenefitsNetBenefits. Link opens in a new window. to designate your 403(b) Plan contribution amount and to select your provider.

STEP 2

Open your TIAA account onlineArizona University System Voluntary 403(b) Plan. Opens in a new window.. Have the following information available before you establish your account online:

Your investment allocation amounts/percentages for your Voluntary 403(b) Plan investment choices.
Your Social Security number.
Your beneficiary's Social Security number, birth date and address.

University of Arizona
Arizona University System Optional Retirement Plan
STEP 1

Open your TIAA account onlineArizona University System Optional Retirement Plan. Opens in a new window.. Have the following information available before you establish your account online:

Your investment allocation amounts/percentages for your Optional Retirement Plan investment choices.
Your Social Security number.
Your beneficiary's Social Security number, birth date and address.

STEP 2

Complete the retirement enrollment process in UAccess EmployeeUAccess Employee. Opens in a new window..

Select Employee/Manager Self Service and log in with your UA NetID and password
Select the UA Employee Main Homepage from the drop down menu at the top of the page
Select the Benefits title
Select Benefits Enrollment
Click the Select button to open your Retirement Enrollment event

Arizona University System Voluntary 403(b) Plan
STEP 1

Visit NetBenefitsNetBenefits. Link opens in a new window. to designate your 403(b) Plan contribution amount and to select your provider.

STEP 2

Open your TIAA account onlineArizona University System Voluntary 403(b) Plan. Opens in a new window.. Have the following information available before you establish your account online:

Your investment allocation amounts/percentages for your Voluntary 403(b) Plan investment choices.
Your Social Security number.
Your beneficiary's Social Security number, birth date and address.

Arizona Board of Regents

Arizona University System Optional Retirement Plan

Open your TIAA account onlineArizona University System Optional Retirement Plan. Opens in a new window.. Have the following information available before you establish your account online:

Your investment allocation amounts/percentages for your investment choices.
Your Social Security number.
Your beneficiary's Social Security number, birth date and address.

Arizona University System Voluntary 403(b) Plan
STEP 1

Visit NetBenefitsNetBenefits. Link opens in a new window. to designate your 403(b) Plan contribution amount and to select your provider.

STEP 2

Open your TIAA account onlineArizona University System Voluntary 403(b) Plan. Opens in a new window.. Have the following information available before you establish your account online:

Your investment allocation amounts/percentages for your Voluntary 403(b) Plan investment choices.
Your Social Security number.
Your beneficiary's Social Security number, birth date and address.

Need help?

Call TIAA at 800-842-2252

¹As with all mutual funds, the principal value in a target date fund is not guaranteed at any time. Diversification cannot eliminate the risk of investment losses. Target date funds share the risks associated with the types of securities held by each of the underlying funds in which they invest. In addition to the fees and expenses associated with these funds, there is exposure to the fees and expenses associated with the underlying mutual funds as well. Also, the target date represents an approximate date when investors may plan to begin withdrawals. After the target date has been reached, some of these funds may be merged into a fund with a more stable asset allocation.

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Any guarantees under annuities issued by TIAA are subject to TIAA's claims-paying ability. TIAA Traditional is a guaranteed insurance contract and not an investment for federal securities law purposes.

Investment, insurance and annuity products are not FDIC insured, are not bank guaranteed, are not deposits, are not insured by any federal government agency, are not a condition to any banking service or activity, and may lose value.

*Investment advice is available through TIAA using an advice methodology from Morningstar Investment Management, LLC.

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.

Annuity contracts and certificates are issued by Teachers Insurance and Annuity Association of America (TIAA) and College Retirement Equities Fund (CREF), New York, NY. Each is solely responsible for its own financial condition and contractual obligations.

‡ Deposit and lending products and services are provided by TIAA Bank®, a division of TIAA, FSB. Member FDIC. Equal Housing Lender.

The TIAA group of companies does not provide legal or tax advice. Please consult your legal or tax advisor.

TIAA-CREF Individual & Institutional Services, LLC, Member FINRA, distributes securities products. Annuity contracts and certificates are issued by Teachers Insurance and Annuity Association of America (TIAA) and College Retirement Equities Fund (CREF), New York, NY. Each of the foregoing is solely responsible for its own financial condition and contractual obligations.

Teachers Insurance and Annuity Association of America is domiciled in New York, NY, with its principal place of business in New York, NY. Its California Certificate of Authority number is 3092.

TIAA-CREF Life Insurance Company is domiciled in New York, NY with its principal place of business in New York, NY. Its California Certificate of Authority number is 6992.

401(a) Optional Retirement Plan

Explore different ways to invest your retirement savings

Try a one-step solution

Pick an investment mix with help

You’ll pick an investment mix

Learn which mutual funds and other investments are available

Enroll or make changes in your plan(s) today

Arizona State University Arizona University System Optional Retirement Plan STEP 1

STEP 2

Arizona University System Voluntary 403(b) Plan STEP 1

STEP 2

Northern Arizona University Arizona University System Optional Retirement Plan STEP 1

STEP 2

Arizona University System Voluntary 403(b) Plan STEP 1

STEP 2

University of Arizona Arizona University System Optional Retirement Plan STEP 1

STEP 2

Arizona University System Voluntary 403(b) Plan STEP 1

STEP 2

Arizona Board of Regents Arizona University System Optional Retirement Plan

Arizona University System Voluntary 403(b) Plan STEP 1

STEP 2

Arizona State University
Arizona University System Optional Retirement Plan
STEP 1

Arizona University System Voluntary 403(b) Plan
STEP 1

Northern Arizona University

Arizona University System Optional Retirement Plan
STEP 1

Arizona University System Voluntary 403(b) Plan
STEP 1

University of Arizona
Arizona University System Optional Retirement Plan
STEP 1

Arizona University System Voluntary 403(b) Plan
STEP 1

Arizona Board of Regents

Arizona University System Optional Retirement Plan

Arizona University System Voluntary 403(b) Plan
STEP 1