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:
Portfolio Advisor IRA4
The Portfolio Advisor program professionally manages IRA investments using a strategy customized to your individual needs, goals and personal beliefs. We handle investment selection, asset allocation, and rebalancing—on your behalf.
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3Applies to mutual fund and variable annuity expense ratios. Source: Morningstar Direct, September 30, 2015. 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. 67% are less than half their respective Morningstar Universe average and 61% are less than half their respective Morningstar Universe median.
2Some TIAA-CREF products and services are only available to employees and retirees (and their family members) of nonprofit colleges and universities, public and private nonprofit elementary and secondary schools, teaching hospitals, museums, libraries and other nonprofit institutions. Any guarantee under annuities issued by TIAA are subject to TIAA’s claims-paying ability. Payments form the variable accounts will rise or fall based on investment performance.
4Portfolio Advisor is a fee-based service provided through Advice and Planning Services.
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.
TIAA-CREF Individual & Institutional Services, LLC, and its affiliates do not offer tax or legal advice services. Individuals should consult with a qualified independent tax advisor, CPA and/or attorney for specific advice based on the individual’s personal circumstances.
Investment, insurance and annuity products are not FDIC insured, are not bank guaranteed, are not bank deposits, are not insured by any federal government agency, are not a condition to any banking service or activity, and may lose value.
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 product and fund prospectus that contains this and other information. Please read the prospectus carefully before investing.
TIAA-CREF Individual & Institutional Services, LLC, Teachers Personal Investors Services, Inc., and Nuveen Securities, LLC, Members FINRA and SIPC , distribute securities products. Annuity contracts and certificates are issued by Teachers Insurance and Annuity Association of America (TIAA) and College Retirement Equities Fund (CREF), New York, NY. Each is solely responsible for its own financial condition and contractual obligations.
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