How we serve you

Founded in 1918 for those who serve others, TIAA was built for you. How we invest, our products and services—even our corporate structure were created to meet your needs.

Our disciplined approach was created for your long-term financial goals

We manage money with a long-term perspective.

TIAA’s mission is to help you achieve financial well-being throughout your lifetime.

Disciplined process. Proven. Time tested.

Our time-tested, repeatable investment approach gives you the confidence that our investments can help deliver for you.

In it for the
long haul

We’ve made long-term investments in real assets like farmland, timberland and real estate. All to help meet our long-term obligations to you.

We understand the trends

No matter what’s going on in the markets, our innovative thinking and sophisticated research capabilities power long-term results.

High performance meets great value

Our focus is delivering superior, long-term results for our customers at competitive costs.
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High performing funds

We have received an overall Morningstar rating of 4 or 5 stars (44.83% 4 stars and 27.59% 5 stars) for 72% of our mutual funds, based on risk-adjusted returns.*
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More of your money works for you

On average, TIAA’s mutual fund expense ratios are less than half the industry average (0.52% versus 1.25%). Over 30 years that can mean a nest egg nearly twice as large.**

No matter where you are in life

Our products and services help you achieve your financial goals and a lifetime of financial well-being.

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.
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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.
* Morningstar ratings based on the lowest cost share class for each mutual fund, based on U.S. open end mutual funds. For a fund with multiple share classes and the same pricing, the share class with the longest performance history is used.  Morningstar ratings may be higher or lower on a monthly basis. Morningstar is an independent service that rates mutual funds. The top 10% of funds in an investment category receive five stars, the next 22.5% receive four stars and the next 35% receive three stars. Morningstar proprietary ratings reflect historical risk-adjusted performance and can change every month. They are calculated from the fund’s three-, five- and ten-year average annual returns in excess of 90-day Treasury bill returns with appropriate fee adjustments, and a risk factor that reflects fund performance below 90-day T-bill returns. The overall star ratings are Morningstar’s published ratings, which are weighted averages of its three-, five- and ten-year ratings for periods ended June 30, 2016. Past performance cannot guarantee future results. For current performance and rankings, please visit
** Our assumption of: $100K, with a 6% rate of return, over a 30 year time period, with fees at a constant, saves an investor $92,523.91—versus paying fees at the mutual fund industry average. This is a hypothetical illustration. These returns are for illustrative purposes only and do not reflect actual (product) performance, which will fluctuate.