We understand that you need financial support for every stage of your life — not just retirement. That’s why we offer a wide range of investment solutions that can help you and your family meet your financial goals.
TIAA-CREF is a full-service financial services company and a leading provider of retirement benefits. We’ve been committed to making your financial well-being possible since 1918.
But more than that, we’re a company that knows the right thing to do — and cares enough to do it.
In today’s economic climate, individuals and institutions looking for a trusted partner increasingly rely on us for a unique combination of advantages. Our plan participants enjoy::
Because customers need financial support at every stage in life, TIAA-CREF offers a full range of financial services, including retirement plans, IRAs, 529 college savings plans, mutual funds, brokerage services, and life insurance.
Our consultants and advisors are here to help every step of the way. They work with our clients to understand their particular goals and risk tolerance, and provide trusted, objective recommendations.
When it comes to helping clients prepare for retirement, partnering with TIAA-CREF clearly has its advantages. In fact, in a recent survey of 30 companies, TIAA-CREF participants had the highest average retirement account balances.4
1 Guarantees are based on the claims-paying ability of TIAA. This applies to annuity products only. Annuity account options are available through contracts issued by TIAA or CREF. These contracts are designed for retirement or other long-term goals, and offer a variety of income options, including lifetime income. Payments from the variable annuity accounts [and mutual funds] are not guaranteed and will rise or fall based on investment performance.
2 The expense ratio on all mutual fund products and Variable Annuity Accounts managed by TIAA-CREF are generally less than half the mutual fund industry average. Source: Morningstar Direct (12/31/11), based on Morningstar expense comparisons by category (downloaded January 11, 2012).
3 For its stability, claims-paying ability and overall financial strength, TIAA currently holds the following ratings: A.M. Best (A++ as of 4/12), Fitch (AAA as of 6/12), Moody's Investors Service (Aaa as of 6/12) and Standard & Poor's (AA+ as of 5/12). Per S&P criteria, the downgrade of US long-term government debt limits the highest rating of U.S. insurers to AA+ (the second highest rating available).There is no guarantee that current ratings will be maintained. Ratings represent a company’s ability to meet policyholders’ obligations and claims and do not apply to variable annuities, mutual funds or any other product or service not fully backed by TIAA's claims-paying ability.
4 Source: LIMRA, Not-for-Profit Market Survey, third-quarter 2011 results. Average assets per participant based on full-service business. Please note average retirement account balances are not a measure of performance of TIAA-CREF retirement offerings.
Annuity contracts and certificates are issued by Teachers Insurance and Annuity Association (TIAA) and College Retirement Equities Fund (CREF), New York, NY. TIAA-CREF Individual & Institutional Services, LLC and Teachers Personal Investors Services, Inc., members FINRA, distribute securities products."