Institutional InvestorsBusiness Banking Open an accountGet Help Retire Invest Bank Learn About TIAA Search LOG IN INSIGHTS Investing 101 You can call 800-842-2252 to speak with a financial consultant. What's on this page: Get The Basics Why TIAA Insights Next Steps GET THE BASICS GET THE BASICS Take advantage of compound interest Compound interest is when you earn interest on your interest—and that may mean more money for you. It’s never too late to start saving, but the sooner you start, the more compounding is likely to help your money grow. Steve contributed $50,000 more than Cathy, but started 15 years later. At age 65, Cathy had $232,418 more than Steve. Saving early has its advantages when it comes to compounding. Hypothetical illustration only. Not intended to represent the past or future performance of any investment. Assumes contributions are made monthly at a 6% annual effective rate, compounded monthly. Actual performance will vary with market conditions. GET THE BASICS What is dollar cost averaging? Dollar cost averaging is when you contribute consistently and don’t try to time the market. Research shows that making regular and consistent contributions throughout your career can potentially result in more money when you retire.1 WHY TIAA No matter how much you know, sometimes you need a little help TIAA provides consultations for all participants. A CONVERSATION An experienced consultant speaks with you and listens to your needs and goals. A PERSONALIZED STRATEGY We help you understand and choose investment options that might be best for your situation. A LONG-TERM APPROACH We’re committed to your long-term financial growth and well-being. WHY TIAA Meet real TIAA customers “I make sure to automatically set aside funds before I can touch them.” Leah Bitat International Education Development Administrator 43 years old Participant since 2012 “TIAA is teaching me how to manage my money and plan for the future.” Brian Fisher Professor and entomologist Participant since 2012 *These quotes describe the circumstances and experiences of specific participants from one or more of the companies in the TIAA organization (“TIAA”). It may not be representative of the experience of other TIAA customers and is not indicative of future performance or success. Individual results and experiences will vary. INSIGHTS NEXT STEPS Consider getting started Calling us We’re here to help. Weekdays, 8 a.m. to 10 p.m. (ET) 800-842-2252 Call Now Start your plan Get started with the Retirement Income Evaluator. Log in is required. Start My Plan Discover more PRODUCTS Annuities Learn how investing in annuities at any stage can help you generate guaranteed income in retirement.2 Learn More INSIGHTS Starting out Just starting to save for retirement? Pick up helpful tips and pointers. Learn More COMMUNITIES Woman2Woman Share ideas with experts and peers. Join the conversation in our Woman2Woman community. JOIN THE CONVERSATION 1 Dollar cost averaging does not assure a profit or protect against a loss in declining markets. Because such a strategy involves periodic investment, you should consider your financial ability and willingness to continue purchases through periods of low price levels. 2 Guaranteed income for life is subject TIAA’s claims-paying ability. TIAA products may be subject to market and other risk factors. See the applicable product literature, or visit www.tiaa.org for details. This material is for informational or educational purposes only and does not constitute a recommendation or investment advice in connection with a distribution, transfer or rollover, a purchase or sale of securities or other investment property, or the management of securities or other investments, including the development of an investment strategy or retention of an investment manager or advisor. This material does not take into account any specific objectives or circumstances of any particular investor, or suggest any specific course of action. Investment decisions should be made in consultation with an investor’s personal advisor based on the investor’s own objectives and circumstances. 145130 Not a customer yet? 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