CONSOLIDATE YOUR ASSETS WITH
TIAA-CREF

Your employer-sponsored retirement plan should be the core of your retirement strategy. In addition, if you have IRAs or 401(k) plans with previous employers, consider rolling over those assets into a single, No-Fee TIAA-CREF IRA. You'll not only simplify your planning — you'll take full advantage of TIAA-CREF's consistent, long-term approach to investing.

Maximize your choices

We'll help you ensure your portfolio is properly diversified for your needs. Choose from a variety of investments, including highly rated TIAA-CREF funds,³ annuities and third-party funds.

The TIAA-CREF Difference

• Consistent, long-term investment philosophy for more than 90 years
  
• Wide range of highly ranked mutual funds and annuities to suit your individual investment needs
  
• Guaranteed income for life⁴
  
• Personalized, objective advice from noncommissioned consultants⁵
  

You should consider the investment objectives, risks, charges and expenses carefully before investing. Please read the prospectus carefully before investing.
¹ Rollovers and transfers may be subject to differences in features, costs and surrender charges. Indirect transfers may be subject to taxation and penalties. Consult with your tax advisor regarding your particular situation.
² There is no account fee to own a TIAA-CREF IRA; however, brokerage transaction fees may still apply. In addition, investors are subject to the underlying fund's/account's portfolio management fees and expenses.
³ Like many fund families, TIAA-CREF's mutual funds have been impacted by recent market volatility resulting in negative performance for a number of our funds.
⁴ When you annuitize and based on TIAA's claims paying ability.
⁵ Our retirement consultants receive no commissions. They are compensated through a salary-plus-incentive program that emphasizes client service excellence.