Why we’re different

You have to be different to make a difference

collage of people we serve
Who we serve

We help real people with ambitious goals

Since 1918, we’ve helped millions of people like you build more secure financial futures. That’s because we understand and specialize in the financial needs of people who work in academic, government, medical and other non-profit fields.
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Low costs

You’re valuable to us, so we offer value for your goals

No matter what you’re up to—we can support it. That’s why our fees are low and so many of our services are offered at no additional cost.
of our mutual funds and annuities cost less than comparable investments1
Personalized financial advice for retirement included with your plan
1:1 consultations, online resources, and supportive communities
Banking & Brokerage
No monthly maintenance fees or account minimums
Retirement planning

Making sure your money lasts is our priority

It’s all about you and your unique vision for retirement. We’ll follow your lead, create a personalized plan, and help you make changes over time.

Know where you stand today

We can help you understand whether you’re on track for the retirement you envision.

Create a personalized plan

We take the time to understand your values and goals, then help you create a plan to move towards retirement.

Help meeting your goals

We provide easy ways to help take your retirement savings to the next level.
Awards & recognition

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.
Best overall large fund company2
Diversity Inc Logo
Top 50 companies for diversity
Exceeding the norm
www.ethisphere.com 2017
One of the world's most ethical companies
Certain products and services are only available to eligible individuals.
1 The expense ratio on all mutual fund products and variable annuity accounts managed by TIAA-CREF is generally less than half the mutual fund industry average. Applies to mutual fund and variable annuity expense ratios. Source: Morningstar Direct, December 31, 2016 . 59% are less than half their respective Morningstar Universe average and 50% are less than half their respective Morningstar Universe median.
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.
2 The Thomson Reuters 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, 11/30/15 and 11/30/2016, respectively. TIAA was ranked among 36 fund companies in 2012, 48 fund companies in 2013 and 2014,  37 fund companies in 2015 and 34 fund companies in 2016 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. From Thomson Reuters Lipper Awards, © 2017 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. TIAA-CREF Individual & Institutional Services, LLC, Teachers Personal Investors Services, Inc., and Nuveen Securities, LLC, members FINRA and SIPC, distribute securities products.