INSIGHTS & GUIDANCE

Why TIAA

Created to serve. Built to perform.

OUR PURPOSE

At TIAA, we serve your financial well-being

Founded in 1918, our goal was to help ensure teachers could retire with dignity. Today, you and millions of others who work at not-for-profits rely on our wide range of financial products and services to pursue your financial well-being.
LIFETIME INCOME

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

Everyone’s vision of retirement is different, including ours. We provide lifetime income through low-cost annuities, which let you turn your savings into monthly payments you can’t outlive.
moneybag

INCOME OPTIONS FOR EVERY NEED

Our fixed and variable annuities give you the choice between guaranteed lifetime income and other income options.
linegraph

INVESTMENTS MANAGED FOR YOUR BEST INTEREST

TIAA annuities are managed at cost – we do not make a profit – so it’s no surprise our expense ratios are 75% lower than the industry average.1
gears

A HISTORY OF INNOVATION

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

Our customers are above average

Infographic
On average, individuals need to replace 80% of income to retire successfully, but with TIAA, participants are able to replace more than 90% of income.2

ADVICE & GUIDANCE

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 that goes beyond what most retirement providers can offer.
adviceforeveryone

WORKING FOR YOU

Putting earnings to work for you

Our purpose is helping you achieve 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.
infographicearnings
AWARDS

We're not in it for the trophies, but it's nice to be recognized for how we're different

We focus on driving performance and helping our customers achieve their own goals while staying true to our mission and values. The recognition we receive isn't only about how we perform; it's also about who we are and what we believe.
lipperawards
BEST OVERALL LARGE FUND COMPANY3
diversityinc
TOP 50 COMPANIES FOR DIVERSITY
morningstar
EXCEEDING THE NORM
worldsmostethical
ONE OF THE WORLD'S MOST ETHICAL COMPANIES
1Based on Morningstar data, the expense ratios on all TIAA-CREF Funds and Variable Annuity Accounts managed by TIAA-CREF are generally less than half the mutual fund industry average (72% are less than half the Morningstar U.S. Open-End Fund Universe average and 63% are less than half the Morningstar U.S. Open-End Fund Universe median) as of December 31, 2015.
2The TIAA-CREF Retirement Income Index data is as of 12/31/2014 and it is based on 501,639 actively contributing participants from 303 TIAA-CREF record-kept plans.
Using the participant’s current salary, age, contribution rates (employer/employee), asset allocation, and an assumed retirement age of 67, TIAA-CREF leverages the advice engine from Ibbotson Associates, Inc., an independent expert retained by TIAA-CREF, to calculate the projected retirement income stream (including estimated Social Security benefits) in current dollars as a percentage of current salaries using Monte Carlo analysis (500 total simulations). The results indicate the participant’s 70% probability of achieving the retirement goal. A lower probability of success is associated with better (and less likely) estimated income; a higher probability is associated with lower estimated income. Please note the median income replacement ratio based on the analysis above is approximately 88%. The Ibbotson tool’s advice is based on statistical projections of the likelihood that an individual will achieve their retirement goals. The projections rely on financial and economic assumptions of historical rates of return of various asset classes that may not reoccur in the future, volatility measures and other facts, as well as information the individual provides.
IMPORTANT: Projections, and other information generated through the Retirement Income Index and the Ibbotson tool regarding the likelihood of various investment outcomes, are hypothetical, do not reflect actual investment results, and are not a guarantee of future results. Results may vary with each use and over time. TIAA-CREF cannot and does not provide legal advice and recommends that plan sponsors consult their own legal advisors for such advice. Past performance does not guarantee future results.
For current performance and rankings, please visit the Research and Performance section on TIAA.org.
This article/story describes the circumstances and experiences of a specific participant from one or more of the companies in the TIAA organization (“TIAA”). It may not be representative of the experience of other TIAA customers and is not indicative of future performance or success. Individual results and experiences will vary.
3The Lipper Large Fund Award is given to the group with the lowest average decile ranking of three years’ Consistent Return for eligible funds over the three-year period ended 11/30/12, 11/30/13, 11/30/14 and 11/30/15 respectively. TIAA was ranked among 36 fund companies in 2012 48 fund companies in 2013 and 2014 and 37 fund companies in 2015 with at least five equity, five bond, or three mixed-asset portfolios. Classification averages are calculated with all eligible share classes for each eligible classification. The calculation periods extend over 36, 60, and 120 months. The highest Lipper Leader for Consistent Return (Effective Return) value within each eligible classification determines the fund classification winner over three, five, or ten years. A detailed awards methodology can be found at http://excellence.thomsonreuters.com/award/lipper. From Thomson Reuters Lipper Awards, © 2016 Thomson Reuters. All rights reserved. Used by permission and protected by the Copyright Laws of the United States. The printing, copying, redistribution, or retransmission of this Content without express written permission is prohibited. Certain funds have fee waivers in effect. Without such waivers ratings could be lower. For current performance and rankings, please visit the Research and Performance section on TIAA.org. Past performance does not guarantee future results.
C28420