About the TIAA-CREF IRA


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Wherever you are in life, a TIAA-CREF IRA is a smart way to manage your retirement goals. Our IRAs are customized to complement your workplace plan and offer a unique combination of benefits, including:

  • Honest, objective advice. You can choose an IRA that offers personalized advice to help you figure it all out — which investments are best for you, how much to put in each, how to receive income in retirement — at no additional cost.
  • A virtually unlimited array of investments. You can access thousands of investments through TIAA-CREF Brokerage Services, including mutual funds, stocks, bonds, options, ETFs and CDs.
  • Low costs. Expenses on our mutual funds and annuities are generally less than half the industry average, so more money stays in your account.1
  • Flexibility to take your money with you. Your IRA isn’t tied to your employer, so it's yours to keep even if you change jobs.

A variety of IRA solutions to fit your needs

Different retirement needs require different approaches to investing. That’s why we offer a variety of IRA solutions that address what matters most to you – from offering greater investment choice to professionally managed options.

Look at each of the scenarios below to see which one most fits your current needs.

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I want more investment choices

I want stability

I want guaranteed income in retirement

I need professional management of my retirement assets

IRA Rollover - Compare Callout


Investment, insurance and annuity products are not FDIC insured, are not bank guaranteed, are not deposits, are not insured by any federal government agency, are not a condition to any banking service or activity, and may lose value.

1 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. Source: Morningstar Direct (3/31/2012), based on Morningstar expense comparisons by category.

Brokerage Services are provided by TIAA-CREF Brokerage Services, a division of TIAA-CREF Individual & Institutional Services, LLC, members FINRA and SIPC . 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.

TIAA-CREF Individual & Institutional Services, LLC and Teachers Personal Investors Services, Inc., members FINRA, distribute securities products.
Annuity contracts and certificates are issued by Teachers Insurance and Annuity Association (TIAA) and College Retirement Equities Fund (CREF), New York, NY.

© 2013 and prior years, Teachers Insurance and Annuity Association - College Retirement Equities Fund (TIAA-CREF), New York, NY 10017