Stick to investment objectives

Size: px
Start display at page:

Download "1 2 3 4 5 Stick to investment objectives"

Transcription

1 Why choose TIAA-CREF? Investing for retirement requires a lot of thought. TIAA-CREF has spent nearly 100 years thinking about it for you. Investing to achieve your personal financial goals can often present daunting challenges. At TIAA-CREF, we believe that well-thought-out retirement and financial planning can minimize many of those challenges. That we re always thinking ahead is just one of the many important reasons nearly 4 million of your colleagues in the academic, medical, cultural and research fields have trusted TIAA-CREF with their retirement investments. Here are a few more. What s different about TIAA-CREF? Following the fundamentals TIAA-CREF believes a central challenge of investing is to make money grow consistently over time while avoiding unintended risks. Our approach is built on these fundamentals: Stick to investment objectives Maintain a diversified portfolio Understand market trends Control expenses Manage risk

2 Investments for your long-term goals We re known for our retirement plans,* and we also offer a variety of additional investment products to help you create a diversified portfolio: W W Launched in 1918, TIAA Traditional, a fixed annuity, offers participants safety and stability, competitive interest rates and the option to receive guaranteed income in retirement.** W W TIAA-CREF invented variable annuities in 1952, pioneering the use of variable annuities in funding retirement investing and generating income in retirement. W W TIAA-CREF is a global leader in socially responsible investing and advocating for sound governing practices at companies in which it invests. W W The CREF Social Choice Account, a balanced variable annuity account with billion in assets (as of 5/31/14), is one of the largest comprehensively socially screened investment vehicles available to individual investors in the United States. Two in a row For two consecutive years, in 2013 and 2014, TIAA-CREF received the Lipper Fund Award for Best Overall Large Fund Company. 1 W W Mutual Funds: A diversified family of mutual funds designed to help meet a wide variety of investment goals and risk levels. 98% of TIAA-CREF s funds and variable annuity accounts received a Morningstar overall rating of 3, 4 or 5 stars across all asset classes. (As of March 31, 2014, 43% have 3 stars, 41% have 4 stars, and 14% have 5 stars.). 2 TIAA-CREF is ranked among the top 15 mutual fund families in a Lipper/Barron s Fund Family survey for the past three years, based on one-year asset-weighted total returns. 3 Questions? Call TIAA-CREF at Financial Consultants are available Monday-Friday, 8 a.m.-10 p.m. (ET); Saturday, 9 a.m.-6 p.m. (ET). Schedule a one-on-one advice session - As a plan participant, you also have access to one-on-one retirement plan advice from a TIAA-CREF Financial Consultant at no additional cost to you. Schedule your advice session at , Monday through Friday, 8 a.m. to 8 p.m. (ET), or schedulenow. * TIAA-CREF retirement plans are not available to the general public but instead are offered through employers who have selected TIAA-CREF as a retirement plan provider. Depending on your employer, not all products may be available to participants. ** Subject to TIAA s claims paying ability. TIAA Traditional is a guaranteed insurance contract and not an investment for federal securities law purposes.

3 TIAA-CREF Tuition Financing Inc. ( TFI ) is proud to work with more state clients to manage more 529 savings plans than any other financial services organization. These 529s are distinctive for their low program-management fees and registered college savings experts. More than retirement Another benefit of working with TIAA-CREF is that we offer a range of competitive products and services that can address your other financial needs**, including: Managed Accounts IRAs Life Insurance Education Savings Banking with TIAA Direct **** Brokerage Services *** After-Tax Annuities Low fees We strive to keep our fees low to ensure more of your money is working hard for you. W W At TIAA-CREF, our fees are generally less than half the mutual fund industry average. 4 Based on Morningstar Direct data (3/13/2014), the expense ratio on all mutual fund products and variable annuity accounts managed by TIAA-CREF is generally less than half the mutual fund industry average. (69% are less than half their respective Morningstar Universe average and 60% are less than half their respective Morningstar Universe median.) That means more of your savings may compound over time. TIAA s high ratings For its stability, claims-paying ability and overall financial strength, TIAA is one of only three insurance groups in the United States to hold the highest financial strength ratings currently awarded from all four leading independent insurance industry ratings agencies. 5 ***Certain securities may not be suitable for all investors. Securities are not FDIC-insured and are not a deposit or other obligation of or guaranteed by any bank or TIAA-CREF. Securities are subject to investment risk, including possible loss of the principal amount invested. ****TIAA Direct is a division of TIAA-CREF Trust Company, FSB. Member FDIC. Equal Housing Lender

4 Long-term commitment to nonprofits For nearly a century, TIAA-CREF has served those who serve others in the academic, medical, cultural and research fields. Our full focus is on your financial well-being $569B million clients in institutional retirement plans million individual clients One-on-one personalized guidance and advice TIAA-CREF consultants can offer you one-on-one planning, available at no additional cost to you, 6 to help you create a personalized retirement portfolio, based on your goals and your plan s investment options. W W If you work with a third-party Registered Investment Adviser, we have the services and support to help your adviser manage your TIAA-CREF accounts. Customized retirement income strategy As of March 31, 2014, we managed $569 billion in total assets for our clients Our retirement income options allow our consultants and advisors to offer targeted advice and guidance to help customize your retirement plan in line with your budget and income needs. Wherever you are, we re there. In person, by phone and online. We look at your whole financial picture where you are today, what s important to you and where you want to be at retirement to help you develop a course of action to help reach your goals. W W 8,000+ TIAA-CREF employees located in more than 90 locations WW Knowledgeable TIAA-CREF consultants are available to meet with you face to face or by phone, and to conduct retirement planning workshops, depending on your location W W 24/7 tools and information at tiaa-cref.org give you access to: Retirement Advisor, a do-it-yourself advice tool Retirement Income Planner to explore your income options 360 Financial View to see all your TIAA-CREF and other financial accounts in one place Myretirement.org, an online community for retirees Learn more about what makes TIAA-CREF different at

5 1 The Lipper Award is given to the group with the lowest average decile ranking of three years Consistent Return for eligible funds over the three-year period ended 11/30/12 and 11/30/13, respectively. TIAA-CREF was ranked against 36 fund companies in 2012 and 48 fund companies in 2013 with at least five equity, five bond, or three mixed-asset portfolios. Past performance does not guarantee future results. For current performance and rankings, please visit the Research and Performance section on tiaa-cref.org. 2 Morningstar ratings include Retail, Retirement, Premier and Institutional fund share classes that have completed one calendar year of performance; CREF Variable Annuity Accounts; and the Life Funds. Please note Morningstar rates CREF group variable annuities within the open-end mutual fund universe. Current rankings may be higher or lower on a monthly basis. 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 3/31/14. Past performance cannot guarantee future results. For current performance and rankings, please visit 3 As of 12/31 for respective years, TIAA-CREF ranked 13th among 64 fund families in 2013, 10th among 62 fund families in 2012, 13th among 58 fund families in The Lipper/Barron s Fund Family survey uses an asset-weighted ranking system. Each fund s return was measured against all those in its Lipper category, and the resulting percentile ranking was then weighted by asset size relative to the fund family s other assets in its general category. The family s overall ranking was then determined by weighting the five fund categories in proportion to their overall importance within Lipper s fund universe. In the five-year overall ranking, TIAA-CREF is ranked 19th out of 55 mutual fund families in 2013, 29th out of 53 mutual fund families in 2012 and TIAA-CREF does not qualify for the 10-year ranking. Past performance is no guarantee of future results. 4 The expense ratio on all mutual fund products and variable annuity accounts managed by TIAA-CREF is generally less than half the mutual fund industry average. (69% are less than half their respective Morningstar Universe average and 60% are less than half their Morningstar Universe median). Source: Morningstar Direct, March 31, 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. 5 For its stability, claims-paying ability and overall financial strength, TIAA currently holds the following ratings: A.M. Best (A++ as of 5/14), Fitch (AAA as of 4/14), Moody s Investors Service (Aaa as of 4/14) and Standard & Poor s (AA+ as of 4/14). 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 claims, and do not apply to variable annuities, mutual funds or any other product or service not fully backed by TIAA s claims-paying ability. You should consider the investment objectives, risks, charges and expenses carefully before investing. Please call for current product and fund prospectuses that contain this and other information. Please read the prospectuses carefully before investing. 6 Advice is provided on retirement plan assets using a third-party tool from Ibbotson Associates, Inc. Investment, insurance and annuity products are not FDIC insured, are not bank guaranteed, are not bank 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 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 of America (TIAA) and College Retirement Equities Fund (CREF), New York, NY. TIAA Direct is a division of TIAA-CREF Trust Company, FSB. Member FDIC Equal Housing Lender FDIC. Life Insurance and after-tax annuity products are issued by TIAA-CREF Life Insurance Company, New York, NY. Exclusions, restrictions, limitations, and reductions in benefits will, in certain situations, apply to your life insurance policy. Annuity contracts may contain surrender charges and terms for keeping them in force. For full details, including costs, call us at Please note that TIAA-CREF Life Insurance Company has the right to contest the insurance policy for misrepresentation by the applicant. TIAA-CREF Tuition Financing Inc. (TFI) is the 529 college savings plans Program Manager. Brokerage Services are provided by TIAA-CREF Brokerage Services, a division of TIAA-CREF Individual & Institutional Services, LLC. Advisory Services are provided by Advice & Planning Services, a division of TIAA-CREF Individual & Institutional Services, LLC, a registered investment adviser. Each of the foregoing entities is solely responsible for its own financial condition and contractual obligations Teachers Insurance and Annuity Association of America College Retirement Equities Fund (TIAA-CREF), 730 Third Avenue, New York, NY C17301 (06/14)

Transfer Payout Annuities

Transfer Payout Annuities Transfer Payout Annuities Transfers and Withdrawals from TIAA Traditional tiaa-cref.org The TIAA Traditional Annuity In this guide, you ll learn about our Transfer Payout Annuity (TPA), a transfer and

More information

Get help achieving your financial goals.

Get help achieving your financial goals. Get help achieving your financial goals. TIAA-CREF: Committed to your overall financial well-being Did you know? TIAA was founded in 1918 to provide retirement security to university faculty. TIAA-CREF

More information

Transfers and Withdrawals from the Tiaa Traditional annuity

Transfers and Withdrawals from the Tiaa Traditional annuity Transfers and Withdrawals from the Tiaa Traditional annuity Tiaa s Transfer Payout annuity This guide has information about moving funds out of the Tiaa Traditional annuity using the Transfer Payout annuity

More information

The Roth contribution option

The Roth contribution option The Roth contribution option For retirement plans Contents The Roth contribution option savings choice 2 Learn about the differences between pretax and after-tax contributions Comparing Roth after-tax

More information

Self-Directed Brokerage Account Services

Self-Directed Brokerage Account Services Self-Directed Brokerage Account Services Through Your Tiaa-Cref Ira Power up your TIAA-CREF IRA with more. A no-fee TIAA-CREF IRA 1 is a great way to help build financial security for your retirement.

More information

Strategies for staying on track. throughout your retirement

Strategies for staying on track. throughout your retirement Strategies for staying on track throughout your retirement TIAA-CREF and you: Planning an income for life For nearly a century, we at TIAA-CREF have dedicated ourselves to helping those who serve others

More information

TRANSFER PAYOUT ANNUITIES

TRANSFER PAYOUT ANNUITIES SAVING FOR RETIREMENT TRANSFER PAYOUT ANNUITIES TRANSFERS AND WITHDRAWALS FROM TIAA TRADITIONAL TIAA-CREF: FINANCIAL SERVICES FOR THE GREATER GOOD TIAA-CREF is dedicated to serving the retirement needs

More information

Power. Simplicity. Value.

Power. Simplicity. Value. Power. Simplicity. Value. TIAA-CREF Brokerage Services: The freedom to build, control and adjust your portfolio of investments according to your goals. We have a 95-year legacy of trust. TIAA-CREF Brokerage

More information

Money At Work 1: Foundations of investing

Money At Work 1: Foundations of investing It s not about how much money you earn. It s about how much you save and invest. November 12, 2015 A TIAA-CREF Financial Essentials Workshop Bill Thorne TIAA-CREF Money At Work 1: Foundations of investing

More information

Understanding Your Retirement Plans Changes Essential Information for Participants of the tufts university retirement plans

Understanding Your Retirement Plans Changes Essential Information for Participants of the tufts university retirement plans Understanding Your Retirement Plans Changes Essential Information for Participants of the tufts university retirement plans 2 Introducing the changes to your Tufts University retirement plans Effective

More information

Get a head start on your future. A step-by-step overview of the coming Swarthmore College Regular Retirement Plan updates

Get a head start on your future. A step-by-step overview of the coming Swarthmore College Regular Retirement Plan updates Get a head start on your future. A step-by-step overview of the coming Swarthmore College Regular Retirement Plan updates Welcome to your updated retirement program. What do the updates mean to you? How

More information

Welcome! Thanks for investing your time today.

Welcome! Thanks for investing your time today. Welcome! Thanks for investing your time today. Please sign in Fill out your name tag Address your mail card It s not about how much money you earn. It s about how much you save and invest. October 2015

More information

Taking the next step. A guide for beneficiaries

Taking the next step. A guide for beneficiaries Taking the next step A guide for beneficiaries TIAA-CREF listening, caring, ready to serve At TIAA-CREF, we ve been helping people build their financial futures for nearly a century. We started out offering

More information

Strategies for staying on track to your retirement

Strategies for staying on track to your retirement Strategies for staying on track to your retirement TIAA-CREF and you: Planning an income for life For more than 90 years, we at TIAA-CREF have dedicated ourselves to helping those who serve the greater

More information

Minimum distribution. Making it simple

Minimum distribution. Making it simple Minimum distribution Making it simple Required minimum distributions What you need to know What are required minimum distributions?... 03 TIAA-CREF s Minimum Distribution Option (MDO)... 04 Is the Minimum

More information

Innovative, flexible, low-cost retirement solution

Innovative, flexible, low-cost retirement solution TIAA-CREF Life Insurance Company Innovative, flexible, low-cost retirement solution The Intelligent Variable Annuity How do you define retirement? Some people dream of traveling. Others can t wait to roll

More information

SAVING FOR RETIREMENT. The ROTH

SAVING FOR RETIREMENT. The ROTH SAVING FOR RETIREMENT The ROTH CONTRIBUTION Option ABOUT TIAA-CREF TIAA-CREF is dedicated to serving the retirement needs of those in the academic, medical, cultural and research fields. We are committed

More information

Building Successful, State Sponsored Retirement Programs for Private Sector Employees

Building Successful, State Sponsored Retirement Programs for Private Sector Employees Building Successful, State Sponsored Retirement Programs for Private Sector Employees April 25, 2016 2.25 x 0.875 Confronting a retirement readiness gap 55 million Americans do not have access to a pension

More information

LIVING WELL IN RETIREMENT. Minimum Distribution: Making it simple

LIVING WELL IN RETIREMENT. Minimum Distribution: Making it simple LIVING WELL IN RETIREMENT Minimum Distribution: Making it simple TIAA-CREF: FINANCIAL SERVICES FOR THE GREATER GOOD. TIAA-CREF is dedicated to serving the retirement needs of those in the academic, medical,

More information

How to make changes to your annuity income

How to make changes to your annuity income How to make changes to your annuity income What s inside 2 Your annuity income 4 TIAA Traditional annuity income 6 TIAA and CREF variable annuity income 9 Ways to adjust your annuity income 9 Transfer

More information

TIAA-CREF Asset Management. Global capabilities Recognized performance

TIAA-CREF Asset Management. Global capabilities Recognized performance TIAA-CREF Asset Management Global capabilities Recognized performance Earning our clients trust since 1918 TIAA-CREF s greatest assets are the lasting relationships we ve developed and maintained since

More information

Annuities - TIAA, CREF lifetime Income

Annuities - TIAA, CREF lifetime Income Lifetime retirement income The foundation to seeking a secure future Retirement income options from TIAA-CREF TIAA-CREF understands that your financial priorities can change over time. This is why we

More information

THE UNIVERSITY SYSTEM OF MARYLAND MAKING RETIREMENT PROGRAM ENROLLMENT EASY FOR YOU

THE UNIVERSITY SYSTEM OF MARYLAND MAKING RETIREMENT PROGRAM ENROLLMENT EASY FOR YOU THE UNIVERSITY SYSTEM OF MARYLAND MAKING RETIREMENT PROGRAM ENROLLMENT EASY FOR YOU WHAT MAKES TIAA-CREF DIFFERENT It is in our interest to serve your interests at TIAA-CREF; you re more than just a client

More information

Executive Compensation Strategies. For Academic, Medical, Research and Cultural Institutions

Executive Compensation Strategies. For Academic, Medical, Research and Cultural Institutions Executive Compensation Strategies For Academic, Medical, Research and Cultural Institutions For institutional investor use only. Not for use with or distribution to the public. TIAA-CREF: A leading provider

More information

ROTH 403(b) CONTRIBUTIONS

ROTH 403(b) CONTRIBUTIONS SAVING FOR RETIREMENT ROTH 403(b) CONTRIBUTIONS A NEW WAY TO SAVE FOR RETIREMENT TIAA-CREF: FINANCIAL SERVICES FOR THE GREATER GOOD TIAA-CREF is dedicated to serving the retirement needs of those in the

More information

Retirement Information Guide

Retirement Information Guide Retirement Information Guide Image courtesy of the University of Utah University of Utah Retirement Plans: 401(a) Defined Contribution Retirement Plan for Plan H Benefit Program Participants and Employee

More information

INVESTING FOR LIFE S GOALS

INVESTING FOR LIFE S GOALS TIAA-CREF LIFE GOALS SERIES INVESTING FOR LIFE S GOALS SAVING FOR MAJOR PURCHASES AND OBJECTIVES TIAA-CREF: FINANCIAL SERVICES FOR THE GREATER GOOD OUR COMMITMENT TIAA-CREF is dedicated to serving the

More information

Lifetime retirement income

Lifetime retirement income Lifetime retirement income The foundation to seeking a secure future Retirement income options from TIAA-CREF Your financial priorities can change over time. That s why we offer a wide range of income

More information

TIAA TRADITIONAL ANNUITY PRODUCT COMPARISON NOVEMBER 2008

TIAA TRADITIONAL ANNUITY PRODUCT COMPARISON NOVEMBER 2008 TIAA TRADITIONAL ANNUITY PRODUCT COMPARISON NOVEMBER 2008 PRODUCT OBJECTIVE To provide safety of principal, stability, guaranteed minimum interest crediting rates, plus the potential for additional amounts

More information

Guide to online withdrawals

Guide to online withdrawals Streamlined withdrawal processing The online withdrawal process on the secure My TIAA-CREF website has the same easy-to-use navigation and functionality as other websites that you visit regularly to shop,

More information

SYSTEMATIC WITHDRAWALS AND TRANSFERS FROM TIAA TRADITIONAL

SYSTEMATIC WITHDRAWALS AND TRANSFERS FROM TIAA TRADITIONAL SYSTEMATIC WITHDRAWALS AND TRANSFERS FROM TIAA TRADITIONAL THE TIAA TRADITIONAL ANNUITY The TIAA Traditional Annuity is a guaranteed annuity backed by TIAA s claims-paying ability. In the accumulation

More information

BUILDING YOUR RETIREMENT PORTFOLIO WITH TIAA-CREF

BUILDING YOUR RETIREMENT PORTFOLIO WITH TIAA-CREF BUILDING YOUR RETIREMENT PORTFOLIO WITH TIAA-CREF TIAA-CREF: FINANCIAL SERVICES FOR THE GREATER GOOD FOR MORE THAN 85 YEARS, we have been helping millions of people working in the academic, medical and

More information

Building Your Retirement Portfolio

Building Your Retirement Portfolio Building Your Retirement Portfolio With the Help of TIAA-CREF 111075_L01.indd 1 ABOUT TIAA-CREF: For more than 90 years, we at TIAA-CREF have dedicated ourselves to helping those who serve the greater

More information

July 28, 2015. Re: Important information about your retirement plan

July 28, 2015. Re: Important information about your retirement plan JOHN CARROLL UNIVERSITY One John Carroll Blvd. UNIVERSITY HEIGHTS, OH 441184520 July 28, 2015 SECTION1 Re: Important information about your retirement plan The enclosed information is being provided to

More information

Introducing the New York State Voluntary Defined Contribution Program

Introducing the New York State Voluntary Defined Contribution Program Introducing the New York State Voluntary Defined Contribution Program The new retirement t option for New York State t employees A presentation for human resources and payroll professionals Welcome Today

More information

A guide to payment options for employees of tax-exempt institutions. 457(b) Deferred Compensation Plan. Income choices from TIAA-CREF

A guide to payment options for employees of tax-exempt institutions. 457(b) Deferred Compensation Plan. Income choices from TIAA-CREF A guide to payment options for employees of tax-exempt institutions 457(b) Deferred Compensation Plan Income choices from TIAA-CREF TIAA-CREF: leaders in retirement planning After you stop working for

More information

ADVANCING YOUR FINANCIAL FUTURE

ADVANCING YOUR FINANCIAL FUTURE ADVANCING YOUR FINANCIAL FUTURE The Washington University Retirement Savings Plan Table of contents Making it easier to plan and invest for retirement...4 Plan information for TIAA-only participants...5

More information

Practice Management Value-Add Programs. TIAA-CREF Asset Management. Practice Management. Preparing you for new investors and new opportunities

Practice Management Value-Add Programs. TIAA-CREF Asset Management. Practice Management. Preparing you for new investors and new opportunities Practice Management Value-Add Programs TIAA-CREF Asset Management Practice Management Preparing you for new investors and new opportunities Say hello to today s new investors. And to tomorrow s retirement

More information

Get a head start on your future. A step-by-step guide to the coming University of Dallas Retirement Program changes

Get a head start on your future. A step-by-step guide to the coming University of Dallas Retirement Program changes Get a head start on your future. A step-by-step guide to the coming University of Dallas Retirement Program changes Table of Contents Be prepared for the changes ahead 1 Your new investment menu 2 Investment

More information

TIAA-CREF LIFE GOALS SERIES SAVING FOR EDUCATION FINDING THE RIGHT WAY TO PAY FOR COLLEGE

TIAA-CREF LIFE GOALS SERIES SAVING FOR EDUCATION FINDING THE RIGHT WAY TO PAY FOR COLLEGE TIAA-CREF LIFE GOALS SERIES SAVING FOR EDUCATION FINDING THE RIGHT WAY TO PAY FOR COLLEGE TIAA-CREF: FINANCIAL SERVICES FOR THE GREATER GOOD OUR HISTORY For more than 90 years, TIAA-CREF has been dedicated

More information

Tax-smart ways to save and invest. TIAA-CREF Financial Essentials

Tax-smart ways to save and invest. TIAA-CREF Financial Essentials Tax-smart ways to save and invest TIAA-CREF Financial Essentials Today s agenda: 1. Finding funds for saving 2. Tax law provisions promoting saving 3. TIAA-CREF savings opportunities 4. TIAA-CREF can help

More information

Get a head start on your future. A step-by-step guide to the coming Cornell University Retirement Plan updates

Get a head start on your future. A step-by-step guide to the coming Cornell University Retirement Plan updates Get a head start on your future. A step-by-step guide to the coming Cornell University Retirement Plan updates Retirement program updates are coming. Cornell University is committed to offering you the

More information

Your Guide to 403(b) Tax-Deferred Annuity Voluntary Savings Plans

Your Guide to 403(b) Tax-Deferred Annuity Voluntary Savings Plans Your Guide to 403(b) Tax-Deferred Annuity Voluntary Savings Plans How much can you contribute in 2015? Tax-Deferred Annuity Plans ( TDA Plans ) are voluntary savings plans that help you build the extra

More information

TIAA-CREF Life Insurance Company. Single Premium Immediate Annuities. Step closer to meeting your lifetime income needs.

TIAA-CREF Life Insurance Company. Single Premium Immediate Annuities. Step closer to meeting your lifetime income needs. TIAA-CREF Life Insurance Company Single Premium Immediate Annuities Step closer to meeting your lifetime income needs. Securing a lifetime of retirement income TIAA-CREF: Financial services More than 90

More information

TIAA-CREF RETIREMENT CHOICE ANNUITIES PRODUCT COMPARISON

TIAA-CREF RETIREMENT CHOICE ANNUITIES PRODUCT COMPARISON TIAA-CREF RETIREMENT CHOICE ANNUITIES PRODUCT COMPARISON To help you effectively manage your retirement plan in today s increasingly complex regulatory and compliance environment, TIAA-CREF offers the

More information

Loans from your Retirement Accounts

Loans from your Retirement Accounts Loans from your Retirement Accounts Table of contents 1 Borrowing limits and collateral 2 Getting your loan: What you need to know 4 Repaying your loan: What you need to know 6 Loans from retirement plans

More information

August 26, 2015. Re: Important information about your retirement plan

August 26, 2015. Re: Important information about your retirement plan MANHATTANVILLE COLLEGE 2900 PURCHASE STREET PURCHASE, NY 105772131 August 26, 2015 SECTION1 Re: Important information about your retirement plan The enclosed information is being provided to help you make

More information

TIAA-CREF Life Insurance Company. TIAA-CREF Investment Horizon Annuity. Save tax deferred with guaranteed rates

TIAA-CREF Life Insurance Company. TIAA-CREF Investment Horizon Annuity. Save tax deferred with guaranteed rates TIAA-CREF Life Insurance Company TIAA-CREF Investment Horizon Annuity Save tax deferred with guaranteed rates TIAA-CREF: Financial services Almost 100 years ago, Teachers Insurance and Annuity Association

More information

Ratings and Rankings: What They Can Tell You About Financial Companies

Ratings and Rankings: What They Can Tell You About Financial Companies STINVESTMENTS AND OVERALL FINANCIAL Ratings and Rankings Ratings and Rankings: What They Can Tell You About Financial Companies STABILITY, SOUND A++ AAA Aaa AAA (Superior) A.M. BEST CO. DUFF & PHELPS MOODY

More information

CHOOSING YOUR INVESTMENTS

CHOOSING YOUR INVESTMENTS CHOOSING YOUR INVESTMENTS FOR ASSISTANCE CONTACT US TODAY FOR MORE INFORMATION, ADVICE OR HELP OPENING AN ACCOUNT, IT S EASY TO REACH US: BY PHONE Call us at 800 TIAA-CREF (800 842-2273) to speak with

More information

TIAA-CREF Asset Management. TIAA-CREF Global Equity Strategies. Combining discipline and innovation for investments that seek to consistently deliver

TIAA-CREF Asset Management. TIAA-CREF Global Equity Strategies. Combining discipline and innovation for investments that seek to consistently deliver TIAA-CREF Asset Management TIAA-CREF Global Equity Strategies Combining discipline and innovation for investments that seek to consistently deliver A distinguished heritage of intelligent equity investing

More information

Your Retirement Income Options. TIAA-CREF Financial Essentials

Your Retirement Income Options. TIAA-CREF Financial Essentials Your Retirement Income Options TIAA-CREF Financial Essentials Today we will discuss: 1. Determining your retirement income needs Income sources Covering your expenses 2. Threats to your retirement cash

More information

Make the Most of Your Retirement Plan: The University System of Georgia Optional Retirement Plan Enrollment Guide

Make the Most of Your Retirement Plan: The University System of Georgia Optional Retirement Plan Enrollment Guide B:8.75 T:8.5 Make the Most of Your Retirement Plan: The University System of Georgia Optional Retirement Plan Enrollment Guide Gotham (Book, Medium) Page: 1 Links: 188551763.tif (CMYK; 534 ppi), BOR_logo_

More information

Your fiscal fitness review. Financial wellness tips, tools and checklists from TIAA-CREF

Your fiscal fitness review. Financial wellness tips, tools and checklists from TIAA-CREF Your fiscal fitness review Financial wellness tips, tools and checklists from TIAA-CREF Keeping fiscally fit is more important than ever before. No matter where you are in your life and career, chances

More information

How to make changes to your annuity income

How to make changes to your annuity income How to make changes to your annuity income What s inside 2 Is it time to make a change? 3 Your annuity income 5 TIAA Traditional income 7 TIAA and CREF variable income 10 Ways to adjust your annuity income

More information

CHOOSING YOUR INVESTMENTS

CHOOSING YOUR INVESTMENTS CHOOSING YOUR INVESTMENTS FOR ASSISTANCE GO ONLINE For more information on your retirement plan, investment education, retirement planning tools and more, please go to www.tiaa-cref.org/carnegiemellon.

More information

A NEW WAY TO SAVE FOR RETIREMENT INTRODUCING THE ROTH OPTION C46803

A NEW WAY TO SAVE FOR RETIREMENT INTRODUCING THE ROTH OPTION C46803 A NEW WAY TO SAVE FOR RETIREMENT INTRODUCING THE ROTH OPTION C46803 TODAY S DISCUSSION 1. WHAT IS THE ROTH OPTION? 2. WHO MIGHT BENEFIT? 3. CONTRIBUTION LIMITS 4. DISTRIBUTION AND ROLLOVER OPTIONS 5. WHAT

More information

Your fiscal fitness review. Financial wellness tips, tools and checklists from TIAA-CREF

Your fiscal fitness review. Financial wellness tips, tools and checklists from TIAA-CREF Your fiscal fitness review Financial wellness tips, tools and checklists from TIAA-CREF Keeping fiscally fit is more important than ever before No matter where you are in your life and career, chances

More information

FOR DISCUSSION TODAY WHAT IS AN IRA? IRA EDUCATION WORKSHOP

FOR DISCUSSION TODAY WHAT IS AN IRA? IRA EDUCATION WORKSHOP IRA EDUCATION WORKSHOP More Choices, More Flexibility, More Control C40949 FOR DISCUSSION TODAY 1. WHAT IS AN IRA? 2. 3. CHOOSING YOUR IRA 4. FIVE THINGS TO REMEMBER Transfers may be subject to differences

More information

PLACEHOLDER IMAGE Replace with Photography. Your guide to Tax-Deferred Annuities or Voluntary Savings Plans. How much can you contribute?

PLACEHOLDER IMAGE Replace with Photography. Your guide to Tax-Deferred Annuities or Voluntary Savings Plans. How much can you contribute? PLACEHOLDER IMAGE Replace with Photography Your guide to Tax-Deferred Annuities or Voluntary Savings Plans How much can you contribute? Saving for retirement is one of your most important financial goals.

More information

New opportunities for your retirement strategy. Announcing upcoming changes to the University of Southern California Retirement Plans

New opportunities for your retirement strategy. Announcing upcoming changes to the University of Southern California Retirement Plans New opportunities for your retirement strategy Announcing upcoming changes to the University of Southern California Retirement Plans The University of Southern California is dedicated to helping you prepare

More information

LIVING WELL IN RETIREMENT

LIVING WELL IN RETIREMENT TIAA-CREF LIFE GOALS SERIES LIVING WELL IN RETIREMENT MANAGING YOUR INCOME AND EXPENSES TIAA-CREF: FINANCIAL SERVICES FOR THE GREATER GOOD TIAA -CREF is dedicated to serving the retirement needs of those

More information

SAVING FOR RETIREMENT LOANS FROM YOUR RETIREMENT ACCOUNTS

SAVING FOR RETIREMENT LOANS FROM YOUR RETIREMENT ACCOUNTS SAVING FOR RETIREMENT LOANS FROM YOUR RETIREMENT ACCOUNTS TABLE OF CONTENTS 02 Borrowing Limits and Collateral 03 Getting Your Loan 05 Repaying Your Loan 09 Retirement, Group Retirement, Retirement Choice

More information

This guide provides you with important information about the. Gonzaga University 403(b) Retirement Plan

This guide provides you with important information about the. Gonzaga University 403(b) Retirement Plan This guide provides you with important information about the Gonzaga University 403(b) Retirement Plan Use this guide to help you enroll in your Gonzaga University 403(b) Retirement Plan. Table of Contents

More information

TIAA-CREF IRA Survey Executive Summary March 18, 2015

TIAA-CREF IRA Survey Executive Summary March 18, 2015 TIAA-CREF IRA Survey Executive Summary March 18, 2015 1 . TIAA-CREF Survey: Despite Low Contributions, More Americans Will Consider IRAs in Their Retirement Planning According to a new TIAA-CREF survey,

More information

Supplemental 457(b) Plan Guide. A quick reference for governmental plan sponsors

Supplemental 457(b) Plan Guide. A quick reference for governmental plan sponsors Supplemental 457(b) Plan Guide A quick reference for governmental plan sponsors For Institutional Investor Use Only. Not for Use With or Distribution to the Public. Table of Contents Introduction 1 457(b)

More information

The Intelligent Life

The Intelligent Life TIAA-CREF Life Insurance Company The Intelligent Life Advantage A family of life insurance policies designed to help meet a lifetime of needs Designed to meet a lifetime of needs When it comes to life

More information

Please read this important information for Yale University Matching Retirement Plan participants

Please read this important information for Yale University Matching Retirement Plan participants Please read this important information for Yale University Matching Retirement Plan participants This notice gives you important information about the default investment funds selected for the Matching

More information

SAVING FOR RETIREMENT

SAVING FOR RETIREMENT TIAA-CREF LIFE GOALS SERIES SAVING FOR RETIREMENT INVESTING AT WORK AND ON YOUR OWN TIAA-CREF: FINANCIAL SERVICES FOR THE GREATER GOOD OUR HISTORY For more than 90 years, TIAA-CREF has been dedicated to

More information

Flexible protection to help meet a lifetime of needs

Flexible protection to help meet a lifetime of needs TIAA-CREF Life Insurance Company Flexible protection to help meet a lifetime of needs Intelligent Life Universal Life Insurance and Intelligent Life Survivorship Universal Life Insurance Designed to meet

More information

Making the most of your retirement. Your income options

Making the most of your retirement. Your income options Making the most of your retirement Your income options This brochure is for people within 10 years of retiring and starting to explore the options for withdrawing funds from their retirement plans. You

More information

Investment Menu and Transfer Strategy

Investment Menu and Transfer Strategy Investment Menu and Transfer Strategy Investment Menu Effective February 9, 2015, all of your TIAA-CREF and Vanguard options within the University of Pittsburgh Retirement Savings Plan will be consolidated

More information

TIAA-CREF THE BROWN UNIVERSITY DEFERRED VESTING RETIREMENT PLAN. Summary of Plan Services and Costs

TIAA-CREF THE BROWN UNIVERSITY DEFERRED VESTING RETIREMENT PLAN. Summary of Plan Services and Costs THE BROWN UNIVERSITY DEFERRED VESTING RETIREMENT PLAN Summary of Plan Services and Costs July 3, 2013 This summary provides important information to assist you in making decisions related to your participation

More information

Portfolio Advisor. Cover title is Agenda Semibold, sentence case. Smart, simple and all about you

Portfolio Advisor. Cover title is Agenda Semibold, sentence case. Smart, simple and all about you Cover title is Agenda Semibold, sentence case. Portfolio Advisor Smart, simple and all about you Cover subtitle is Agenda Medium 13/16. Personalized portfolio management from TIAA Investing doesn t have

More information

SAMPLE OF INVESTMENT POLICY STATEMENT

SAMPLE OF INVESTMENT POLICY STATEMENT investment services SAMPLE OF INVESTMENT POLICY STATEMENT FOR THE (PLAN NAME) OUR HISTORY We are TIAA-CREF. We re a full-service financial services organization that has dedicated itself to helping those

More information

College & University Retirement Plan Handbook

College & University Retirement Plan Handbook College & University Retirement Plan Handbook Table of contents 3 Introduction 3 About TIAA-CREF 4 Plan eligibility 5 Enrolling in the plan 6 Contributing to the plan 6 Leaves of absence/sabbaticals 7

More information

LIVING WELL IN RETIREMENT MAKING THE MOST OF YOUR RETIREMENT HOW TO CHOOSE THE RIGHT INCOME OPTIONS FOR YOU

LIVING WELL IN RETIREMENT MAKING THE MOST OF YOUR RETIREMENT HOW TO CHOOSE THE RIGHT INCOME OPTIONS FOR YOU LIVING WELL IN RETIREMENT MAKING THE MOST OF YOUR RETIREMENT HOW TO CHOOSE THE RIGHT INCOME OPTIONS FOR YOU TIAA-CREF: Helping to provide you A GUARANTEED income for life For more than 90 years, we at

More information

Table of contents. 2 Federal income tax rates. 12 Required minimum distributions. 4 Child credits. 13 Roths. 5 Taxes: estates, gifts, Social Security

Table of contents. 2 Federal income tax rates. 12 Required minimum distributions. 4 Child credits. 13 Roths. 5 Taxes: estates, gifts, Social Security 2015 Tax Guide Table of contents 2 Federal income tax rates 4 Child credits 5 Taxes: estates, gifts, Social Security 6 Rules on retirement plans 8 Saver s credit 12 Required minimum distributions 13 Roths

More information

Paving the way to a secure retirement: A model DC approach

Paving the way to a secure retirement: A model DC approach Paving the way to a secure retirement: A model DC approach Life expectancy (age) 95 90 85 49% 73% 0 20 40 60 80 100% Probability at age 65 A couple at age 65 has an 89 percent chance of one of them living

More information

Helping You Maximize Your Retirement

Helping You Maximize Your Retirement Helping You Maximize Your Retirement New 403(b) Program Guide The System Appalachian State University East Carolina University Elizabeth City State University Fayetteville State University Agricultural

More information

TIAA Traditional Annuity: Adding safety and stability to retirement portfolios

TIAA Traditional Annuity: Adding safety and stability to retirement portfolios Summer 2012 TIAA-CREF Asset Management TIAA Traditional Annuity: Adding safety and stability to retirement portfolios Overview Launched with the founding of TIAA in 1918, the TIAA Traditional Annuity is

More information

New York University NYU STDA Plan

New York University NYU STDA Plan TIAA-CREF Quarterly Performance New York University NYU STDA Plan Performance as of 06/30/2013 Before making your investment choices and completing your enrollment form, you should consider the investment

More information

University of Pittsburgh. Your guide to the University of Pittsburgh Retirement Savings Plan updates

University of Pittsburgh. Your guide to the University of Pittsburgh Retirement Savings Plan updates University of Pittsburgh Your guide to the University of Pittsburgh Retirement Savings Plan updates This guide provides an overview of the updates to the Defined Contribution Program, which will now be

More information

Saving for retirement with a 403(b) plan

Saving for retirement with a 403(b) plan Saving for retirement with a 403(b) plan 2 Saving for retirement with a 403(b) plan Saving for retirement with a 403(b) plan Retirement can be a welcome turning point in your life a time to enjoy hobbies,

More information

A guide to your retirement income options with TIAA-CREF

A guide to your retirement income options with TIAA-CREF A guide to your retirement income options with TIAA-CREF Helping you make important decisions about your retirement How will I know when the time is right to retire? Making the decision to retire is no

More information

WHEATON COLLEGE RETIREMENT PLAN QUALIFIED DEFAULT INVESTMENT ALTERNATIVE NOTICE

WHEATON COLLEGE RETIREMENT PLAN QUALIFIED DEFAULT INVESTMENT ALTERNATIVE NOTICE WHEATON COLLEGE RETIREMENT PLAN QUALIFIED DEFAULT INVESTMENT ALTERNATIVE NOTICE FY 2016 PLAN YEAR The Wheaton College Retirement Plan (the "Plan") permits each Participant to direct how money in her/his

More information

Getting Started... 2. Retirement Plan Details... 5. Retirement Plan Details Quick Guide... 5. Emory University 403(b) Retirement Plan Details...

Getting Started... 2. Retirement Plan Details... 5. Retirement Plan Details Quick Guide... 5. Emory University 403(b) Retirement Plan Details... GETTING STARTED Table of Contents Getting Started.... 2 Retirement Plan Details.... 5 RETIREMENT PLAN DETAILS Retirement Plan Details Quick Guide... 5 Emory University 403(b) Retirement Plan Details....

More information

Overview of Your TIAA-CREF Investment Solutions SM Accounts

Overview of Your TIAA-CREF Investment Solutions SM Accounts Overview of Your TIAA-CREF Investment Solutions SM Accounts TIAA-CREF Investment Solutions SM now offers you nine mutual funds in addition to our fixed and variable annuity accounts. TIAA-CREF Investment

More information

Best practices for confident plan compliance

Best practices for confident plan compliance Best practices for confident plan compliance Ongoing efforts to expand retirement plan participation, promote transparency and enhance benefit security have increased responsibilities for plan sponsors.

More information

Wellesley College Retirement Plan Transition Guide. Inside is everything you need to know about the transition to the new Investment Menu.

Wellesley College Retirement Plan Transition Guide. Inside is everything you need to know about the transition to the new Investment Menu. Learn Prepare Engage Wellesley College Retirement Plan Transition Guide Inside is everything you need to know about the transition to the new Investment Menu. 1 Introduction 2 Building Your Retirement

More information

The TIAA-CREF Advisor Network

The TIAA-CREF Advisor Network The TIAA-CREF Advisor Network Expanding Employee Advice Services Through Independent RIA s Robert Rickey, CFP, AIF December 18, 2013 Full Spectrum of Advice Services TIAA-CREF recognizes how important

More information

Your Fiscal Fitness Review. Financial wellness tips, tools and checklists from TIAA-CREF especially for State University of New York employees

Your Fiscal Fitness Review. Financial wellness tips, tools and checklists from TIAA-CREF especially for State University of New York employees Your Fiscal Fitness Review Financial wellness tips, tools and checklists from TIAA-CREF especially for State University of New York employees Keeping fiscally fit is now more important and easier than

More information

The George Washington University Retirement Plans. How to get started

The George Washington University Retirement Plans. How to get started The George Washington University Retirement Plans How to get started Table of Contents Why Save 3 Plans at a Glance 4 Approved Investment Providers 7 How to Enroll 8 Provider Fact Sheets 9 Investment Education

More information

Take Care. Discover Your Retirement Options

Take Care. Discover Your Retirement Options Take Care Discover Your Retirement Options OTHER INFORMATION GOVERNANCE ACCESSING YOUR FUNDS HOW TO ENROLL VENDOR INFORMATION FOUR WAYS TO INVEST RETIREMENT PLAN DETAILS GETTING STARTED PUB 10/14 Emory

More information

lifetime the foundation to a secure future

lifetime the foundation to a secure future LIVING WELL IN RETIREMENT lifetime RETIREMENT INCOME the foundation to a secure future TIAA-CREF: FINANCIAL SERVICES FOR THE GREATER GOOD. TIAA-CREF is dedicated to serving the retirement needs of those

More information

Choosing Your Investments. North Dakota Public Employees Retirement System

Choosing Your Investments. North Dakota Public Employees Retirement System Choosing Your Investments North Dakota Public Employees Retirement System For Assistance, Contact Us Today For more information, advice or help opening an account, it s easy to reach us: By Phone Call

More information

Our strength, your security RiverSource Life Insurance Co. of New York

Our strength, your security RiverSource Life Insurance Co. of New York December 2015 Our strength, your security RiverSource Life Insurance Co. of New York The company you choose matters. When you choose RiverSource Life Insurance Co. of New York, you want to be confident

More information

TIAA Traditional Annuity: Adding safety and stability to retirement portfolios

TIAA Traditional Annuity: Adding safety and stability to retirement portfolios TIAA-CREF Asset Management TIAA Traditional Annuity: Adding safety and stability to retirement portfolios Overview Teachers Insurance and Annuity Association of America (TIAA) was established in 1918 as

More information

REVIEWING YOUR TIAA-CREF INCOME CHOICES A GUIDE TO YOUR PAYMENT OPTIONS

REVIEWING YOUR TIAA-CREF INCOME CHOICES A GUIDE TO YOUR PAYMENT OPTIONS REVIEWING YOUR TIAA-CREF INCOME CHOICES A GUIDE TO YOUR PAYMENT OPTIONS FLEXIBILITY & CHOICE TIAA-CREF UNDERSTANDS YOUR FINANCIAL PRIORITIES can change over time, which is why we offer you a wide range

More information

YOUR PERSONAL FINANCIAL ORGANIZER

YOUR PERSONAL FINANCIAL ORGANIZER YOUR PERSONAL FINANCIAL ORGANIZER WHAT'S INSIDE INTRODUCTION: UNDERSTANDING YOUR FINANCIAL ORGANIZER...1 I. FIGURING YOUR FINANCES...2 Net Worth Analysis...2 Cash Flow Analysis...4 II. GOALS, PRODUCTS

More information