TIAA-CREF has joined with your employer to help you prepare for your retirement. For over 90 years, we have been helping those in the academic, government, medical, cultural and research fields.
We offer a wide array of financial products and services to help you plan for—and live well in—retirement, plus invest for life's other goals along the way. We offer:
- Low fees: Our annuity and mutual fund fees are generally less than half the industry average.1
- A long-term approach: TIAA-CREF focuses on disciplined, long-term investment strategies that carefully balance risk with the potential for high returns.
- Top ratings:2
- For its stability, claims-paying ability and overall financial strength, TIAA currently holds the highest possible ratings in the United States from the four leading insurance company rating agencies.3
Data according to Morningstar (Morningstar Direct, March 31, 2013). 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.2
These ratings don't apply to variable annuities, mutual funds or any other product or service not fully backed by TIAA's claims-paying ability. Ratings are subject to change. There is no guarantee that current ratings will be maintained.
3 For its stability, claims-paying ability and overall financial strength, TIAA currently holds the highest possible ratings from the four leading insurance company rating agencies: A.M. Best (A++ as of 5/13), Fitch (AAA as of 1/14), Moody's Investors Service (Aaa as of 7/13) and Standard & Poor's (AA+ as of 6/13). Per S&P criteria, the downgrade of U.S. 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 do not apply to variable annuities, mutual funds or any other product or service not fully backed by TIAA's claims-paying ability.