Our unique advantages: Tax-deferred wealth-building plus the option of guaranteed income for life in retirement.
Not only is a TIAA-CREF IRA a great way to help you build wealth during your earning years, but, as your needs change over time, it also offers a guaranteed lifetime income option — all through one IRA.In addition, TIAA-CREF IRAs offer a wide array of other retirement income options, so you can be sure there's one that meets your needs.
Honest, objective advice.Low costs.
TIAA-CREF IRAs come with no fees or maintenance expenses.2 Plus, with our nonprofit heritage, TIAA-CREF keeps operating costs low for its annuities and mutual funds.3 That means more of your money stays working for you.
A virtually unlimited selection of investments.
Your investment menu starts with TIAA-CREF's well-known family of annuity accounts (one guaranteed account and nine variable) and TIAA-CREF mutual funds (including Lifecycle Funds that automatically adjust from a more aggressive to a more conservative allocation as your retirement date nears).
But it doesn't end there. You also have access to thousands of non-TIAA-CREF mutual funds (many with no loads and no transaction fees), stocks, bonds, FDIC-insured certificates of deposit (CDs) and more.4 Please note that other fees and expenses do apply to a continued investment in no-load mutual fund and are described in the prospectus. (FDIC insurance covers up to $100,000 per employer for each type of retirement account, or up to $250,000 in qualifying retirement accounts.)
A proven track record of performance.
We don't play to the whims of the market. The investment professionals who manage TIAA-CREF's annuities and mutual funds think long-term and are committed to consistent performance. Seventy percent of TIAA-CREF’s mutual funds and annuity accounts have outperformed their Morningstar Category median over the past three years, and eighty percent have outperformed their median over the past five years. (Source: Morningstar Direct, Dec. 31, 2007). View complete information about our performance and rankings.
1 Our consultants receive no commissions. They are compensated through a salary plus an incentive program.
2 There is no account fee to own a TIAA-CREF IRA; however, brokerage transaction fees may apply. In addition, investors are subject to the underlying funds' portfolio management fees and expenses. You should evaluate all fees and expenses when making an investment decision.
3 Morningstar Direct (February 2007) based on Morningstar expense comparisons by category.
4 Brokerage fees may apply.
© 2009 and prior years, Teachers Insurance and Annuity Association - College Retirement Equities Fund (TIAA-CREF), New York, NY 10017
