Whether you’re pressed for time or just want a retirement account that helps you keep things simple, rolling over with a TIAA-CREF Express IRA gives you a quick and easy way to manage your retirement savings through mutual fund investments. This account is designed to hold an array of Mutual Funds, including 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:
The Express IRA only holds mutual fund investments. If you’re looking for a broader range of investments such as stocks and bonds, (or if you’re rolling over investments other than mutual funds) other TIAA-CREF IRA solutions may be right for you.
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800 927-3059 for more information
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.
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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.
1Based 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. (70% are less than half their respective Morningstar Universe average and 60% are less than half their respective Morningstar Universe median.) Morningstar Direct, September 30, 2013.
As with all mutual funds, the principal value in a Lifecycle Fund is not guaranteed. Also, please note that the target date of the Lifecycle Fund is an approximate date when investors 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 and Teachers Personal Investors Services, Inc., members FINRA, distribute securities products.
Lifestyle and Lifecycle funds share the risks associated with the types of securities held by each of the underlying funds in which they invest, including market risk, company risk, foreign investment risks, interest-rate risk, credit risk, illiquid security risk, prepayment risk and extension risk. For a detailed discussion of risk, consult the prospectus.