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 a more secure financial future. That’s because we understand and specialize in the financial needs of people who work in academic, government, medical and other non-profit fields.
Performance
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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 help support it. That’s why our fees are low and so many of our services are offered at no additional cost.
Investments 
100% 
of our mutual funds and annuities cost less than comparable investments2
Advice
Included
Personalized financial advice for retirement included with your plan
Insights
Free
1:1 consultations, online resources, and supportive communities
Banking & Brokerage
Free
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.

Knowing where you stand today

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

Creating a personalized plan

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

Helping meet your goals

We provide 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 pursue 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.
Lipper
Best overall large fund company3
Diversity Inc Logo
Top 50 companies for diversity
Morningstar
Exceeding the norm
www.ethisphere.com 2017
One of the world's most ethical companies
This material is for informational or educational purposes only and does not constitute a recommendation or investment advice in connection with a distribution, transfer or rollover, a purchase or sale of securities or other investment property, or the management of securities or other investments, including the development of an investment strategy or retention of an investment manager or advisor. This material does not take into account any specific objectives or circumstances of any particular investor, or suggest any specific course of action. Investment decisions should be made in consultation with an investor’s personal advisor based on the investor’s own objectives and circumstances.
Certain products and services are only available to eligible individuals.
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 March 31, 2017. Morningstar is an independent service that rates mutual funds. Past performance cannot guarantee future results. For current performance and rankings, please visit TIAA.org/public/investment-performance. 59% are less than half their respective Morningstar Universe average and 50% are less than half their respective Morningstar Universe median.
2 Applies to mutual fund and variable annuity expense ratios. Source: Morningstar Direct, March 31, 2017. 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. 60% 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.
3 The 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 with at least five equity, five bond, or three mixed-asset portfolios. Note this award pertains to mutual funds within the TIAA-CREF group of mutual funds; other funds distributed by Nuveen Securities were not included. 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. Past performance does not guarantee future results. Certain funds have fee waivers in effect. Without such waivers ratings could be lower. For current performance, rankings and prospectuses, please visit the Research and Performance section on TIAA.org.
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