An annuity that provides a safe way to guarantee returns and save more for retirement

  • A guaranteed1 fixed rate of return
    Your money is protected from market volatility while it grows at a guaranteed rate.
  • Competitive interest rates
    Check out our current rates 
  • Tax-deferred earnings
    Pay no taxes on your earnings until you begin withdrawing2 your money — allowing more of your money to remain invested and working for you.
  • A choice of 10 guarantee periods
    Lock in your interest rate for a given time period with either a single guarantee period, or as many as you need to fit your retirement planning needs.

This product may be right for you if you are concerned about:

  • Losing value on your investments as you get closer to retirement
  • Paying taxes on your earnings while you are still saving
  • Market volatility
  • Outliving your retirement savings

Not available in all states. Find a policy in your state.

Download the TIAA-CREF Investment Horizon Annuity brochure  (PDF)

Read the Prospectus. .

  • Virtually unlimited contributions
    Unlike IRAs and employer-sponsored retirement plans, there are virtually no contribution3 limits.
  • No mandatory withdrawals until age 90
    Keep assets growing tax deferred past typical 70½ deadline in retirement plans and IRAs.
  • Variety of distribution options (including lifetime income)
    Assets can be distributed in a variety of ways to customize your income to meet your specific needs:
    • Lifetime income: Pays a level income as long as you and/or your spouse live.
    • Fixed-period income: Pays a level income for a fixed period not less than two years or more than 30. (Note: not available in all states - check for details)
    • Lump sum: If you want your money all at once.

If you withdraw4 assets before the end of the guarantee period, your distribution will be subject to taxes, a surrender charge and market value adjustment which can be positive or negative.

See how a surrender charge and market value adjustment might impact your withdrawal.  (PDF)

A $25 charge will be applied on the contract anniversary date if the contract value is less than $25,000. A $25 charge will also apply if the entire contract is withdrawn and the contract value is less than $25,000.

Need Help?

Speak to an Annuity Representative

Phone ringing

Call 877 554-8282
8 a.m. - 8 p.m. (ET)

Schedule a call

5-Year Fixed Term* Deposit Rate

1.20% as of 02/01/2016

*TIAA-CREF Investment Horizon Annuity. Not available in all states. Read the prospectus carefully before investing.

Exchange Your Annuity

Learn whether exchanging your after-tax annuity to a TIAA-CREF Life after-tax annuity is right for you.

Tools and Calculators