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WHY TIAA
Work with the leaders in retirement for higher education employees.
Design a plan that’s right for you
Get retirement advice and investments designed for educators.
Get guaranteed growth and income
With TIAA Traditional you can get guaranteed growth while saving and continuous payments during retirement.
Take control of your future
Retirement may seem far away. But simply by enrolling with TIAA, you can achieve a more secure future.
You deserve a secure retirement. We promise to help you get there.
At TIAA we believe in serving those that serve others. We’re the leading retirement provider for non-profits. We were among the first to offer value-driven investing. We return profits to our participants. At TIAA we don’t just say we work for our participants—we act on it.
32% more
With TIAA Traditional, our flagship fixed annuity, you can have 32% more to spend during retirement than if you followed the standard method of withdrawing 4% of your retirement savings each year.
15% bonus
People who consistently contributed to TIAA Traditional received 15% bigger retirement paychecks versus those who transferred in equal savings amounts shortly before activating their paychecks.7
$3 billion
In just the last 3 years, TIAA has shared $3 billiion annually with more than 2 million fixed annuity customers.
100 years
We know retirement. Founded in 1918 to provide guaranteed retirement income for educators, TIAA’s innovative products and trusted advice have helped millions of Americans achieve a secure retirement.
Why retire with TIAA? Ask our participants
“When I started investing with TIAA, I felt like I got really good advice.” - Lauren Reed - Educator & TIAA Participant
“I always encourage people to get TIAA, even if they're not thinking about retirement.” - Sheba Tartt, Administrative Assistant & TIAA Participant
“I really appreciate having support from a place like TIAA.” - Daniel Diaz, Director, Center of International Studies & TIAA Participant
- Hi, I'm Amy Salovin.
- My name is Sheba D. Tartt.
- I'm Lauren Reed.
- My name is Krystle Land.
- My name is Daniel Francois Diaz.
- I'm Alicia Watson.
- My perfect vision would be is that I have enough funds to cover all of our life expenses, our medical needs, everything that we might need.
- When I think about and plan for my retirement, I know that I want to travel, I hope that I'm healthy enough to do so.
- I really just wanna spend a lot of time making art and not having to worry about paying the bills.
- I have a special needs grandson, his name is Brandon Alexander Walker. And as I move towards retirement, I look forward to experience another chapter in our lives as far as greatness, as far as unity.
- I think about retirement and I picture myself on vacation, a beach somewhere, maybe a cruise.
- I would heavily rely on TIAA to help me think about those questions.
- I always encourage people to get TIAA, even if they're not thinking about retirement.
- TIAA will educate you on how to be prepared.
- When I started investing with TIAA, I felt like I got really good advice early on and that I was able to catch up. And I think coming into my 30s and feeling unprepared and then now approaching my 40s, I'm feeling really prepared and more comfortable thinking about retirement and looking toward the future.
- And how important making plans are for the future, 'cause you don't know what will happen and it's good to have support and partnership in these goals of being secure in your life. And I really appreciate having that advice and support from a place like TIAA.
- In seven months, I, Sheba D. Tartt, will begin my new adventure as a retiree. And 2025 I will be living my best life and I'm grateful.
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Enroll with TIAA today.
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Any guarantees are backed by the claims-paying ability of the issuing company. Retirement Paycheck refers to the annuity income received in retirement. ©2024 Teachers Insurance and Annuity Association of America-College Retirement Equities Fund, New York, NY. QAD-3632230CR-E0625P.
This material is for informational or educational purposes only and is not fiduciary investment advice, or a securities, investment strategy, or insurance product recommendation. This material does not consider an individual’s own objectives or circumstances which should be the basis of any investment decision.
Investment products may be subject to market and other risk factors. See the applicable product literature or visit TIAA.org for details.
All guarantees are based on TIAA’s claims-paying ability.
TIAA Traditional is a guaranteed insurance contract and not an investment for federal securities law purposes.
Retirement paychecks refers to the annuity income received in retirement. Guarantees of fixed monthly payments are only associated with TIAA's fixed annuities.
TIAA may share profits with TIAA Traditional Annuity owners through declared additional amounts of interest during accumulation, higher initial annuity income, and through further increases in annuity income benefits during retirement. These additional amounts are not guaranteed beyond the period for which they were declared.
TIAA may provide a Loyalty Bonus that is only available when electing lifetime income. The amount of the bonus is discretionary and determined annually.
Annuity contracts may contain terms for keeping them in force. We can provide you with costs and complete details.
TIAA Traditional is a fixed annuity product issued through these contracts by Teachers Insurance and Annuity Association of America (TIAA), 730 Third Avenue, New York, NY, 10017: Form series including but not limited to: 1000.24; G-1000.4; IGRS-01-84-ACC; IGRSP-01-84-ACC; 6008.8. Not all contracts are available in all states or currently issued.
Not all contracts are available in all states or currently issued.
Transfers and withdrawals from TIAA Traditionalare restricted by its underlying agreements that can affect the liquidity of the product. Converting some or all of your savings to income benefits (referred to as "annuitization") is a permanent decision. Once income benefit payments have begun, you are unable to change to another option.
When markets are up, you can capture the gains, but you may also experience losses when markets are down. When you retire, you can choose to receive income for life and/ or other income options.
Responsible investing incorporates Environmental Social Governance (ESG) factors that may affect exposure to issuers, sectors, industries, limiting the type and number of investment opportunities available, which could result in excluding investments that perform well.
1. Souce: 2023 PLANSPONSOR 403(b) Market Survey
2. Source: Pension Funds and Sustainable Investment: Challenges and Opportunities, P. Brett Hammond (ed.) et al.
3. The 2024 Annuity Paycheck Advantage is hypothetical and for illustrative purposes only. The Annuity Paycheck Advantage calculations use the TIAA Traditional “new money” income rate for a single life annuity (SLA) with a 10-year guarantee period at age 67 using TIAA’s standard payment method beginning income on March 1, 2024. Individual results may vary. Example: Participants A and B both had a retirement savings balance of $1 million as of March 1, 2024. Participant A withdrew 4% ($40,000) in year 1. Participant B made a one-time transfer to TIAA Traditional and selected an SLA with a guarantee period of 10 years at age 67, starting on March 1, 2024. Participant B received an income rate of 7.8% ($26,000) on $333,333 annuitized in year 1; Participant B also withdrew 4% ($26,667) from the $666,667 remaining saving balance in year 1. The result ($52,667) is initial income for Participant B in year 1 that is 32% higher than the initial income of Participant A ($40,000). Income rates for TIAA Traditional annuitizations are subject to change monthly. TIAA Traditional Annuity income benefits include guaranteed amounts plus additional amounts as may be declared on a year-by-year basis by the TIAA Board of Trustees. The additional amounts, when declared, remain in effect through the "declaration year", which begins each January 1 for payout annuities. Additional amounts are not guaranteed beyond the period for which they are declared. TIAA has paid more in lifetime income than its guaranteed minimum amount every year since 1949. Over the past 30 years, TIAA has given 19 income increases to existing annuitants (as of January 2024). Past performance is not a guarantee of future results. An annuity is a product issued by an insurance company. It is an agreement that comes with a contract outlining certain guarantees. Fixed annuities guarantee a minimum rate of interest while you save and, if you choose lifetime income, a minimum monthly amount in retirement. Converting some or all of your savings to income benefits (referred to as “annuitization”) is a permanent decision. Once income benefit payments have begun, you are unable to change to another option.
4. Based on an analysis of income benefits available to participants who have made level monthly contributions for 30 years to TIAA Traditional, relative to participants who deposited the same accumulated balance into TIAA Traditional just before converting to lifetime income. Assumes a participant age 67, single life annuity with a 10-year guaranteed period, and average payment differentials each month for retirement dates over the last 30 years ending Dec. 31, 2023. Past performance is not a guarantee of future results.
5. Clients were not compensated for their testimonials. There is no material conflict of interest between these clients and TIAA. Their experiences may be different than yours.