ABOUT TIAA-CREF

TIAA-CREF has joined with University of Alabama System to help you prepare for your retirement. For over 90 years, we have been helping millions of people in the academic, government, medical, cultural and research fields plan for retirement. We offer you options to tailor your plan to your investment style and goals.

 

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 fees are generally less than half the mutual fund 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 
1 According to Morningstar data (Morningstar Direct, March 31, 2013)

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 4/12), Fitch (AAA as of 1/13), Moody's Investors Service (Aaa as of 12/12) and Standard & Poor's (AA+ as of 5/12). 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.

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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.