If you want access to the full range of TIAA-CREF annuities and mutual funds, and professional help when you need it, then our Investment Solutions IRA is an excellent choice for you. This IRA provides one of the widest arrays of investment choices in the industry and includes: TIAA Traditional Annuity, TIAA real estate account, TIAA-CREF Lifecycle Funds. You'll also have access to a brokerage account for stocks, bonds, ETFs, CDs and more.1
Minimum Investment: $0
What you can invest in
Stocks, bonds, CDs, ETFs, thousands of non-proprietary funds and TIAA-CREF funds including:
TIAA-CREF Lifecycle Funds
a series of target retirement date funds where you select the fund that most closely matches your retirement year.Our Lifecycle 2040 Fund, for example, is if you plan to retire in or around 2040. With these funds your investment mix is adjusted automatically, going from more aggressive to more conservation as you near retirement.4
You can open an Investment Solutions IRA if you or a family member:
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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 Brokerage and transaction fees may apply. Certain securities may not be suitable for all investors.
2 Guarantees based on fixed annuities only. Subject to TIAA’s claims-paying ability.
3 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. (69% are less than half their respective Morningstar Universe average and 58% are less than half their Morningstar Universe median). Source: Morningstar Direct, September 30, 2014. 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.
4 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.
5 Some TIAA-CREF products and services, like the Investment Solutions IRA, 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. Learn more.
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 (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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