Knowing you need to save for retirement and having a plan to save for retirement are two different things. Whether you are pressed for time or just want a retirement account that helps you keep things simple, the TIAA-CREF Express IRA gives you a quick and easy way to start and manage your retirement savings - now. This account is designed to hold an array of Mutual Funds and includes the TIAA-CREF Lifecycle Funds, which give you a low cost1, easy way to manage your investments through your working years and into retirement.

With the Express IRA, you’ll have:

  • Easy access – The Express IRA gives you a quick and easy way to set up an account online in just a few clicks and gets you on your way to building your retirement savings.
  • Flexible, Custom Solutions – You have the ability to add a range of Mutual Funds to create your own solution for your evolving retirement savings needs.
  • Popular choices – Your options include an array of mutual funds from various fund families, including TIAA-CREF funds and non-proprietary funds, like the TIAA-CREF Lifecycle Funds.  The Lifecycle Funds consist of a series of target retirement date funds in five-year increments where you select the fund that most closely matches your retirement year, e.g. a Lifecycle 2040 Fund is for an investor planning to retire in or around 2040. They are professionally managed and automatically adjust over time—relieving you of the need to make complicated investment, portfolio allocation and rebalancing decisions every year.

Need Help?

Open an Account Online      -OR-

Contact an IRA specialist at
800 927-3059 for more information

Explore how the TIAA-CREF Lifecycle funds could work for you

I am:   years old

Target Retirement Age: 65 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.

TIAA-CREF Lifecycle 2050 Fund

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.


Compare IRA Solutions
Evaluate all your IRA options at a glance, comparing the features and benefits of each.
Compare Now 

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.