Wherever you are in life, a TIAA-CREF IRA is a smart way to manage your retirement goals. Our IRAs complement your workplace plan and offer a combination of benefits, including:

  • Advice and guidance. You can choose a TIAA-CREF IRA that offers advice and guidance to help you figure it all out — which investments are right for you, how much to put in each, how to receive income in retirement.
  • A virtually unlimited array of investments. You can access thousands of investments through TIAA-CREF Brokerage Services, including mutual funds, stocks, bonds, options, ETFs and CDs.
  • Low costs. Expenses on our mutual funds and annuities are generally less than half the mutual fund industry average, so more money stays in your account.1
  • Flexibility to take your money with you. Your TIAA-CREF IRA isn’t tied to your employer, so it's yours to keep even if you change jobs.

A variety of IRA solutions to fit your needs

Different retirement needs require different approaches to investing. That’s why we offer a variety of IRA solutions that address what matters most to you – from offering greater investment choice to professionally managed options.

Look at each of the scenarios below to see which one most fits your current needs.


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Investment, insurance and annuity products are not FDIC insured, are not bank guaranteed, are not deposits, are not insured by any federal government agency, are not a condition to any banking service or activity, and may lose value. TIAA-CREF products may be subject to market and other risk factors. See the applicable product literature, or visit www.tiaa-cref.org for details

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