Employees of participating institutions may be eligible for TIAA-CREF Supplemental Retirement Annuities (SRAs) or Group Supplemental Retirement Annuities (GSRAs), a tax-advantaged investment you can use to build extra retirement savings.* SRAs and GSRAs are funded with voluntary, pre-tax dollars under a salary-reduction agreement between you and your employer.

Organizations that meet our criteria to offer TIAA-CREF retirement plans include nonprofit colleges and universities, public and private nonprofit elementary and secondary schools, teaching hospitals, museums, libraries and other nonprofit institutions. Generally, you are eligible to contribute to an SRA or GSRA immediately upon employment. 

* Withdrawals of earnings are subject to ordinary income tax and a Federal 10% penalty may apply prior to age 59½.
Supplemental Retirement Annuity contract form series 1200.7 and 1200.8, Group Supplemental Retirement Annuity contract form series G1250.1. GSRA not available in all states.

© 2014 and prior years, Teachers Insurance and Annuity Association - College Retirement Equities Fund (TIAA-CREF), New York, NY 10017