GETTING STARTED

It’s never too early or too late to save for retirement.

The more years you have before retirement, the greater potential benefit you’ll have by saving now. And even if retirement isn’t too far off, you can still get closer to your retirement goals by starting to save now.

What You Need to Know

  • If you want to create your own investment mix, you'll need to know your investment style:

    • Conservative?
       
    • Aggressive?
       
    • Somewhere in-between?
Knowing your style will help you as you consider the different asset classes and how they’ll make up your overall investment holdings.

At that point, you'll have the information you need to pick your investment mix. Plus you'll be able to make the most of the pointers about beneficiaries and completing the enrollment process.

Once you complete your enrollment, you can still change your investment selections whenever you want by accessing your secure account online.

For help and advice, we’re only a phone call away at 800 842-2252. You can contact us anytime.

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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.

TIAA-CREF products may be subject to market and other risk factors. See the applicable product literature, or visit www.tiaa-cref.org for details.

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), 730 Third Avenue, New York, NY 10017.