Why Roll Over?


Consolidating your retirement accounts with a single provider has its advantages:

IRA Rollover - Why ChartA clearer picture of your retirement savings
When your retirement savings are spread among multiple accounts at multiple providers, it's hard to see where you stand. Consolidating your accounts lets you see your entire retirement picture more clearly, and to know if you’re adequately diversified to help reduce risk.

IRA Rollover - Why WalletA single source of income to manage at retirement
When it comes time to take distributions, having your retirement investments in a single account takes the guesswork out of deciding how much to take from each account. A consolidated account gives you a comprehensive view of all your investments, simplifying your investment management.

IRA Rollover - Why CalculatorReduced expense
The fewer accounts you maintain, the fewer fees you have to pay for each account. And TIAA-CREF has kept operating costs low for its annuities and mutual funds – generally less than half the industry average.1 That means more of your money stays invested.


For more than 90 years, TIAA-CREF has been a leader in helping people save for retirement. In uncertain economic times, more and more people are rolling over to TIAA-CREF for a unique combination of benefits, including:

  • Expertise in managing assets
    TIAA-CREF focuses on disciplined, long-term investment strategies that carefully balance risk with the potential returns.
  • Track record of competitive investment performance
    Our seasoned portfolio management teams are committed to seeking consistent growth and strong long-term performance.2 96% of our mutual funds and annuities received an overall Morningstar Rating of three or more stars across all asset classes (as of September 30, 2011, 66% received 3 stars, 25% received 4 stars and 5% received 5 stars).3
  • Low investment management fees
    TIAA-CREF’s low fees1 are less than half the industry average - this means more of your money stays invested. 
  • Calm in the face of market volatility
    With decades of experience and a long-term outlook, we remain calm and continue to follow a disciplined investment approach – even in an unsteady market.


1 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 (09/30/2011), based on Morningstar expense comparisons by category.”

2 Past performance cannot guarantee future results.

3 Based on Morningstar data for funds that have completed one calendar year of performance. Morningstar is an independent service that rates mutual funds and variable annuities. The top 10% of 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 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 subaccount 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 September 30, 2011. Current rankings may be higher or lower on a monthly basis.

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