Why we're different

Help with your financial goals

No matter what your financial goals are, we can help you pursue them.

Lifelong service

For every age and stage of life, we’re here to help

We can help you go from thinking about big goals to actually developing a plan to achieve them. No matter what financial challenges you face, we’re here for you.
Guidance, Convenience, Choice & Flexibility, Trusted
Customer stories

“I wanted to do work that was meaningful and could have some impact.”

Karen Hammerness
Educational Researcher
Participant since 2012
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Advice & support

At TIAA, we believe everyone should have access to real, personalized advice

Have retirement or other investment questions? No matter what amount you have to invest, TIAA’s professionals are here to help you plan and invest with personalized advice for every stage of your life.
“I help people plan for their financial goals.”
Field Consulting Group
TIAA employee since 1998
“The advice I give reflects what I would do for myself.”
Wealth Management
TIAA employee since 2000
“We do our best to help clients fulfill their financial needs.”
Customer resolutions
TIAA employee since 2000
This material is for informational or educational purposes only and does not constitute a recommendation or investment advice in connection with a distribution, transfer or rollover, a purchase or sale of securities or other investment property, or the management of securities or other investments, including the development of an investment strategy or retention of an investment manager or advisor. This material does not take into account any specific objectives or circumstances of any particular investor, or suggest any specific course of action. Investment decisions should be made in consultation with an investor’s personal advisor based on the investor’s own objectives and circumstances.
The expense ratio on all mutual fund products and variable annuity accounts managed by TIAA-CREF is generally less than half the mutual fund industry average. Applies to mutual fund and variable annuity expense ratios. Source: Morningstar Direct, June 30, 2016. 70% are less than half their respective Morningstar Universe average and 62% are less than half their respective Morningstar Universe median. Our mutual fund and variable annuity products are subject to various fees and expenses, including but not limited to management, administrative, and distribution fees; our variable annuity products have an additional mortality and expense risk charge.
69% of TIAA-CREF’s funds and variable annuity accounts received an Morningstar overall rating of 4 or 5 stars (45.33% 4 stars and 24.00% 5 stars), based on risk-adjusted returns as of June 30, 2016. 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, 2016. Past performance cannot guarantee future results. For current performance and rankings, please visit www.danc5.com/public/investment-performance.
In 2016, TIAA was named the Best Overall Large Fund Company by Lipper for the fourth straight year. The Lipper Large Fund Award is given to the group with the lowest average decile ranking of three years’ Consistent Return for eligible funds over the three-year period ended 11/30/12, 11/30/13, 11/30/14 and 11/30/15 respectively. TIAA was ranked among 36 fund companies in 2012, 48 fund companies in 2013 and 2014 and 37 fund companies in 2015 with at least five equity, five bond, or three mixed-asset portfolios. Classification averages are calculated with all eligible share classes for each eligible classification. The calculation periods extend over 36, 60, and 120 months. The highest Lipper Leader for Consistent Return (Effective Return) value within each eligible classification determines the fund classification winner over three, five, or ten years.
From Thomson Reuters Lipper Awards, ©2016 Thomson Reuters. All rights reserved. Used by permission and protected by the Copyright Laws of the United States. The printing, copying, redistribution, or retransmission of this Content without express written permission is prohibited. Certain funds have fee waivers in effect. Without such waivers ratings could be lower. For current performance and rankings, please visit the Research and Performance section on TIAA.org.
TIAA products may be subject to market and other risk factors.  See the applicable product literature, or visit TIAA.org for details.
1 Guarantees are based on the claims paying ability of the issuing company.