Choose from several different mutual funds to build a customized portfolio that’s flexible and easy to manage.
Minimum Investment: $2,000
Talk to an IRA specialist
Monday – Friday 8 AM – 10 PM (ET)
Saturday 9 AM – 6 PM (ET)
Find the right TIAA-CREF IRA
It'll take less than five minutes to find the right fit
Explore how the TIAA-CREF Lifecycle Funds could work for you
I am: 53 years old
This fund was selected for you based on your current age and a projected retirement age of 65. For example, if you’re going to be 65 in 2036, we would suggest the Lifecycle 2035 Fund since our Funds are offered in 5-year increments.
Below is the initial asset mixture of the selected fund. See the "View Over Time" tab to see how the allocations change over time.
The fund's asset allocation is an investment strategy that aims to balance risk and reward by allocating and diversifying the fund's assets. The asset allocation becomes more conservative as you reach retirement since investment time horizons are shorter and there is greater sensitivity to market movements. Please note that there is no guarantee that asset allocation reduces risk or increases returns.
As you approach retirement, allocations automatically adjust to become more conservative. The Funds assume a retirement age of 65.
Open to all
Compare IRA Solutions
Evaluate all your IRA options at a glance, comparing the features and benefits of each.
You should consider the investment objectives, risks, charges and expenses carefully before investing. Please contact your financial advisor or call 877-518-9161 for a current prospectus that contains this and other information. Please read the prospectus carefully before investing.
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.
** Through an Investment Solutions IRA, available to eligible participants only through our guaranteed annuity products only. Guarantees are backed by the issuer.
*** Morningstar ratings include Retail, Retirement, Premier and Institutional fund share classes; CREF Variable Annuity Accounts; and the Life Funds. Please note Morningstar rates CREF group variable annuities within the open-end mutual fund universe. Current rankings may be higher or lower on a monthly basis. Morningstar is an independent service that rates mutual funds and variable annuities. The top 10 percent of accounts in an investment category receive five stars, the next 22.5 percent receive four stars, and the next 35 percent receive three stars. Morningstar proprietary ratings reflect historical risk-adjusted performance and can change every month. They are calculated from the account’s three-, five- and 10-year average annual returns in excess of 90-day Treasury bill returns with appropriate fee adjustments, and a risk factor that reflects subaccount 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 10-year ratings for periods ended September 30, 2014. Past performance cannot guarantee future results. For current performance and rankings, please visit https://www.tiaa-cref.org/public/tcfpi/InvestResearch.
† Approximately seven to ten years following a Lifecycle Fund’s target date, the fund may merge into the Lifecycle Retirement Income Fund or other similar fund.
1 As with all mutual funds, the principal value of a Lifecycle Fund isn’t guaranteed. Also, please note that the target date of the Lifecycle Fund is an approximate date when investors may plan to begin withdrawing from the fund. Approximately seven to ten years after a Lifecycle Fund’s target date, the fund may merge into the Lifecycle Retirement Income Fund or a similar fund.
Brokerage Services are provided by TIAA-CREF Brokerage Services, a division of TIAA-CREF Individual & Institutional Services, LLC, members FINRA and SIPC . Annuity contracts and certificates are issued by Teachers Insurance and Annuity Association (TIAA) and College Retirement Equities Fund (CREF), New York, NY.TIAA-CREF Individual & Institutional Services, LLC, Teachers Personal Investors Services, Inc., and Nuveen Securities, LLC, Members FINRA and SIPC, distribute securities products. Each is solely responsible for its own financial condition and contractual obligations.