Save for retirement with a TIAA-CREF IRA and get access to our wide range of investment choices.
Understanding the basics, choosing an IRA, tax advantages, contribution limits—it's all here.
ways to invest
Whether you're a do it yourself investor or want a pro to manage your IRA, we can help.
It takes five minutes—just choose the IRA you want to open and answer a few questions.
Keep it simple and possibly reduce expenses. Consolidate all your retirement savings —such as 401(k) plans and pensions— from old jobs into one TIAA-CREF IRA.1
Which TIAA-CREF IRA is for you?
Based on your retirement goals, this tool helps you pick the right IRA for you.
Traditional vs. Roth
Use this calculator to determine which type of IRA meets your needs.
IRA Contribution Limits
See how much you can contribute to a Roth and/or a Traditional IRA.
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 based on the lowest cost share class for each mutual fund, based on U.S. open end mutual funds; CREF Variable Accounts; and the Life Funds. For a fund or account with multiple share classes and the same pricing, the share class with the longest performance history is used. Please note Morningstar rates CREF group variable annuities within the open end mutual fund universe. Morningstar ratings may be higher or lower on a monthly basis. Morningstar is an independent service that rates mutual funds. The top 10% of funds or accounts in an investment category receive five stars, the next 22.5% receive four stars and the next 35% receive three stars. Morningstar proprietary ratings reflect historical risk-adjusted performance and can change every month. They are calculated from the fund or account’s three-, five- and ten-year average annual returns in excess of 90-day Treasury bill returns with appropriate fee adjustments, and a risk factor that reflects fund or account 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 ten-year ratings for periods ended June 30, 2015. Past performance cannot guarantee future results. For current performance and rankings, please visit https://www.tiaa-cref.org/public/tcfpi/InvestResearch.
1 Prior to rolling over, consider your other options. You may also be able to leave money in your current plan, withdraw cash or rollover the assets to a new employer's plan if one is available and rollovers are permitted. Compare the differences in investment options, services, fees and expenses, withdrawal options, required minimum distributions, other plan features, and tax treatment. Speak with a TIAA-CREF Consultant and your tax advisor regarding your situation. Review your options.
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.
Talk to an IRA specialist
Monday – Friday 8 AM – 10 PM (ET)
Saturday 9 AM – 6 PM (ET)
Contribute to your IRA
Already have an IRA with us?
Complete your saved application