For nearly a century, TIAA Traditional Annuities issued by Teachers Insurance and Annuity Association of America have been helping Americans plan for their retirements. With guaranteed growth and the option for a guaranteed income you'll never outlive, it is well suited to be the foundation of your retirement-savings plan. (All guarantees are subject to TIAA's claims-paying ability.)

TIAA Traditional is a fixed annuity that works like your personal pension plan. When complemented by Social Security and other investments and long-term assets, it can help provide you with reliable income you need to enjoy your future.

Four reasons to choose TIAA Traditional

1. Your money is guaranteed: The contributions you make to TIAA Traditional will not decrease in value, no matter how volatile markets may be. They are guaranteed and backed by the claims-paying ability of TIAA, one of the three highest rated insurance companies in terms of overall financial strength.

2. Your savings earn a competitive interest rate: While you’re contributing to TIAA Traditional, your money is guaranteed to receive a minimum interest rate that may be as high as 3% and no less than 1%.

3. You have the potential to earn more: Your contributions can grow by more than the guaranteed minimum interest rate if TIAA’s Board of Trustees declares additional amounts. Also, when you retire, any declared additional amounts will increase your income payments. While additional amounts are not guaranteed, TIAA’s Board has paid them every year since 1948.

4. You can receive guaranteed income for life: When you retire and choose lifetime income, you will not have to worry about outliving your money.

Q&A: Ten things you need to know about TIAA Traditional

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