Advisors Working with Individuals

Make a Post-Retirement Transfer

Clients receiving income from TIAA-CREF under a lifetime annuity option can still make changes, including:

  • Transferring among variable CREF and variable TIAA accounts
  • Transferring from a CREF or TIAA variable account to TIAA Traditional
  • Transferring from TIAA Traditional (standard or graded method) to the CREF equity accounts (Money transferred from TIAA Traditional to CREF cannot be transferred back)
  • Changing TIAA Traditional Annuity payment methods from graded to standard
  • Switching between annual and monthly valuation periods for variable annuity income

Transfers are effective as of the close of business on the day the request is received, unless a future effective date is requested. Requests received on a non-business day are effective as of the close of business on the next business day. Once the requested transfer has been completed, we’ll send a statement confirming the transaction.

You or your client can make transfers:

  • Once per calendar quarter when transferring from a variable account to another variable account or to TIAA Traditional, as well as changes from TIAA’s graded method to the standard method
  • Once per calendar year when transferring from TIAA Traditional (graded or standard) to the CREF equity accounts
  • Once a year on March 31 for switches between annual and monthly income for variable payments

If your client is considering transferring from TIAA Traditional (standard or graded income), we’ll send an illustration outlining the impact it might have on his or her income. For this type of transfer, your client will also need to complete and return a transfer request form.

Guidelines for post-retirement transfers

There is no minimum transfer amount. Transfers from a variable account can be designated as a percentage of income (up to 100 percent), any whole dollar amount, or a fixed number of annuity units.

Transfers from TIAA’s Graded to Standard Method can be stated as a percentage (up to 100 percent) or any whole dollar amount.

Transfers from TIAA Traditional to CREF equity accounts can be made up to 20 percent per year or 100 percent in equal installments over five years.

TIAA-CREF does not charge fees for transfers.

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