TIAA-CREF Supplemental Retirement Plans and Group Supplemental Retirement Plans provide tax-deferred savings and let you put away more for retirement beyond the basic retirement plan your employer offers.

While the details of different tax-deferred plans vary, they all work the same way: Money goes straight from your paycheck to an investment account, reducing your current taxable income. What's more, your potential investment earnings won't be taxable until you withdraw them in retirement.1

If employers offer a supplemental retirement plan, they determine the investment choices and other plan features. Then you decide how much to contribute and to which investments.

With higher contribution limits than IRAs and the potential for a larger tax benefit near term, tax-deferred plans from TIAA-CREF may be one of the best ways for you to save more for the retirement you want.2

TIAA-CREF managed investment options have no sales charges.3 We aim to keep expenses low, so more of your dollars will be working for you.4


You can allocate your contributions among a variety of investment options that are offered under your plan by your employer. You can change your allocation of future contributions at any time.5

Contribution Limits

Contributions are voluntary additional amounts you can make on your own. The Internal Revenue Code limits the total amount you can contribute.

Limits on Employee Contributions

The maximum depends on your income, years of service, tax-deferred contributions you've made in the past and other factors. Most employees can contribute a maximum of $18,000 for the years 2015 and 2016. Employees age 50 and over can contribute an additional $6,000.

You may also be able to contribute more if you have 15 consecutive years of service with your employer.

Income and Distributions

Either within or outside of your plan, we have a variety of flexible options  that can provide lifetime income6 - where regular payments are based on:

Generally, you may also be able to take cash withdrawals, or use other options to design your own payout schedule. (Based upon contract type and plan provisions.)


No taxes are due on contributions and earnings until the money is withdrawn. But because these plans are intended primarily for retirement, you can generally withdraw funds without penalties only after you've reached age 59½. Ordinary income tax will apply on all withdrawals made.


Find out if you are eligible for a TIAA-CREF supplemental retirement plan.

Open an Account

Learn more about opening a TIAA-CREF retirement plan account.

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