INSIGHTS

Why TIAA

OUR MISSION

Created to serve. Built to perform.

TIAA started out 100 years ago to help ensure teachers could retire with dignity. Today, many people who work at not-for-profits rely on our wide range of financial products and services to support and strengthen their financial well-being.
LIFETIME INCOME

We’re here to help you pursue a lifetime of financial well-being

Everyone’s vision of retirement is different, including ours. One way to manage your retirement is with lifetime income from an annuity. Learn more about annuities below.
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INCOME OPTIONS TO MEET YOUR NEEDS

Our fixed and variable annuities give you the choice between guaranteed lifetime income and other flexible income options.1
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LOW COSTS

TIAA annuities are generally less than half the industry average.2
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A HISTORY OF INNOVATION

We invented the variable annuity and offer 8 types - with options to invest in real estate and socially responsible companies.

ADVICE & EDUCATION

Advice for everyone

Making decisions about your money and your future isn’t easy. That’s why we offer personalized advice at no added charge.3

WORKING FOR YOU

Putting earnings to work for you

Our purpose is helping you pursue your financial goals. With no outside shareholders, other than our Board of Overseers - which is a not-for-profit entity - we are focused on your financial well-being.
1Guarantees are based upon the claims-paying ability of the issuing company. Payments from variable annuity accounts are not guaranteed and will rise or fall based on investment performance.
 
2Applies to mutual fund and variable annuity expense ratios. Source: Morningstar Direct, June 30, 2018. 78% of TIAA-CREF mutual fund products and variable annuity accounts have expense ratios that are in the bottom quartile (or 97.79% below median) of their respective Morningstar category.
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.
 
3Investment advice is available through TIAA using an advice methodology from Morningstar Investment Management, LLC. Certain products and services are only available to eligible individuals.
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