What is an IRA rollover?

An IRA rollover is created by transferring funds from existing retirement accounts — for example, any 401(k)s you may have with previous employers — into a new, consolidated IRA. We can work with you to help you understand your investment options, including whether a rollover is right for you.

You can roll multiple retirement accounts, both employer plans and other IRAs, into a single Traditional or Roth IRA.

What are the benefits of an IRA rollover?

Consolidating multiple retirement accounts into a single account with one company has its advantages:

IRA Rollover - Why Chart

A clearer picture of your retirement savings
With multiple accounts managed by multiple companies, it's hard to see where you stand. Consolidating accounts can give you a clearer picture of investments, so you can help ensure asset diversity and help reduce risk.1

IRA Rollover - Why Wallet

A single source of income to manage at retirement
Managing accounts — and distributions at retirement — is a lot easier with one statement and one source of income.

IRA Rollover - Why Calculator

Potentially reduced expense
The fewer accounts you maintain, the fewer fees you potentially pay for each account. Based on Morningstar data, 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.2

Need Help?

Talk to an IRA specialist
Monday – Friday 8 AM – 10 PM (ET)
Saturday 9 AM – 6 PM (ET

Schedule a callback

Ready to roll over now?

Start my rollover

Need help with your rollover?

Compare IRA Solutions

Evaluate all your TIAA-CREF IRA options at a glance, comparing the features and benefits of each. Compare now