How we serve you

Our Purpose

We serve a single purpose: your financial well-being

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.
Long-Term Focus

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.
Performance & value

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 for 72% of our mutual
funds based on risk-adjusted returns
( 37.93% 4 stars and 34.48% 5 stars ).1
This image shows two bags of money one larger than the other.

More of your money works for you

On average, TIAA’s mutual fund expense ratios are less than half the industry average (0.48% versus 1.19%). Over 30 years, that can mean a nest egg nearly twice as large.2
Where our profits go

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.
We help you save for the future, Reinvest in the business, Pay Participants
1 Morningstar ratings are based on the lowest-cost share class for each mutual fund and include 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. 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, 2017 . Morningstar is an independent service that rates mutual funds. Past performance cannot guarantee future results. For current performance and rankings, please visit
2 This is a hypothetical illustration that assumes the following: an initial investment of $100K, over a 30 year time period with a 6% rate of return and fees held at a constant, would save a TIAA investor $91,744.13 versus paying fees at the mutual fund industry average—a savings almost as much as the initial investment that was made. These returns and calculations are for illustrative purposes only and do not reflect actual (product) performance, which will fluctuate.  Sources: TIAA and Morningstar Direct, as of June 30, 2016.

TIAA products may be subject to market and other risk factors.  See the applicable product literature, or visit for details.