The Investment Horizon Annuity is designed to help protect your money from market volatility while it grows at a guaranteed rate. With an initial investment of as little as $2,500, you can invest knowing that your earnings are predictable and tax-deferred.1 Additionally, the Investment Horizon Annuity offers you the ability to lock in your interest rate for a fixed period of time — anywhere from one to ten years — which protects your interest rate from market fluctuations during that period.2 After this fixed term expires, if you’re not ready to begin withdrawing your money, you will have the option to set another fixed term at a new interest rate. Then, when you are ready to begin receiving income from the annuity, you can choose from one of three distribution options: lump sum, income for a specific period or fixed income guaranteed for life.3 Not available in all states. Find a policy in your state
1 We reserve the right to limit premiums to no more than $1,000,000 in a calendar year. See contract for details.
2 For any lump sum withdrawal from the TIAA-CREF Investment Horizon Annuity, federal income tax law requires that any tax-deferred earnings must be withdrawn first, followed by principal. If you own multiple annuity contracts issued by the same company during the same calendar year, the IRS will treat all your contracts as one for tax reporting on any lump sum taken.
3 Guarantees subject to the claims-paying ability of the issuing insurance company.