When you select TIAA-CREF to help meet your financial needs, you’re more than a client—you’re a participant.
That means we participate in a relationship with you that’s all about your personal financial journey and the specific goals you have for yourself and your family.
It’s a two-way relationship—in which we listen to what’s important to you, and where you want to be financially five, ten or even thirty years from now. Once we understand where you want to go, we can offer the choices and guidance to help you get there.
For almost 100 years, TIAA-CREF has been dedicated to the needs of our participants and their families – those, like you, who serve the greater good through your work in the academic, medical, cultural and research fields.
With our strong nonprofit heritage, we have long subscribed to a different set of guiding principles:
Consistent, long-term performance and solid returns
We have a variety of investment products with impressive track records over the long term. Having invented variable annuities in 1952, TIAA-CREF has long pioneered their use in funding retirement investing and generating income in retirement.
Graph our account performance
Personalized retirement plan advice by highly trained consultants
Our expert consultants can give you a personalized analysis of your portfolio, designed to help you plan and invest for a more successful retirement, based on your career stage and retirement income goals.
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As an individual investor, you should gain confidence from the fact that TIAA-CREF is trusted by a host of premier institutions across the nation. We’ve been a leader in corporate governance and accounting reform for many years — issues that underlie our commitment to protecting your assets for the long term.
See our accountability
We are committed to keeping our fees low to ensure more of your money is working hard for you. At TIAA-CREF, our fees are generally less than half the mutual fund industry average.3
Understanding our plan fees
While retirement investments have been at the heart of what we do, TIAA-CREF can help you achieve your financial goals through every stage of your life.
Maybe you want to open a brokerage account to take advantage of mutual funds investments. Or you could be starting a family and want to learn more about our 529 college savings options or how to get the most out of an IRA investment. We even have life insurance and banking services to help you prepare for the unexpected.
Whatever your need, we can answer your questions and guide you in the right direction. Whether you’re a seasoned investor or just starting out, learn more about our wide range of products
Whether it’s always having access to your accounts and balances or needing a little extra guidance to make a financial decision, you’ll always have help getting your savings organized.
Anytime access to your account
We’ve freshly redesigned our offering of online services, so you’ll have information and advice at your fingertips.
Take a guided tour of My TIAA-CREF
To learn more about the resources available to you, visit the Advice and Guidance section of tiaa-cref.org. And for a more personalized experience, log in to your My TIAA-CREF account today .
A community of savers
Myretirement.org is a private online community where our participants over the age of 50 can share ideas and seek guidance to help bring visions of retirement to life.
Financial education seminars
TIAA-CREF conducts financial education seminars nationwide to help you make informed decisions about your financial future.
† We serve 5 million individuals overall and 3.7 million clients in institutional retirement plans.
1Morningstar ratings based on the lowest cost share class for each mutual fund, based on U.S. open end mutual funds; CREF Variable Accounts; and the Life Funds. For a fund or account with multiple share classes and the same pricing, the share class with the longest performance history is used. Please note Morningstar rates CREF group variable annuities within the open end mutual fund universe. Morningstar ratings may be higher or lower on a monthly basis. Morningstar is an independent service that rates mutual funds. The top 10% of funds or accounts 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 or account’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 or account 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 December 31, 2014. Past performance cannot guarantee future results. For current performance and rankings, please visit https://www.tiaa-cref.org/public/tcfpi/InvestResearch.
2 Source: TIAA-CREF Advice & Planning, 2012.
3 Based on Morningstar data, 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. (70% are less than half their respective Morningstar Universe average and 60% 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.
4 LIMRA, Not-for-Profit Market Survey, fourth-quarter 2012 results. Average assets per participant based on full-service business. Please note average retirement account balances are not a measure of performance of TIAA-CREF retirement offerings.
5 PSCA Signature Awards are based on evaluations of retirement program characteristics and marketing objectives. Awards do not reflect performance of participant accounts or products.
6 Gold from Corporate Insight 2012 Monitor Awards is in the category of Annuities and is based on comprehensiveness and organization of client account data. Awards do not reflect performance of participant accounts or products.
TIAA-CREF Individual & Institutional Services, LLC, Teachers Personal Investors Services, Inc., and Nuveen Securities, LLC, Members FINRA and SIPC, distribute securities products.