Institutional InvestorsBusiness Banking Open an accountGet Help Retire Invest Bank Learn About TIAA Search LOG IN WHY TIAA Why we’re different You have to be different to make a difference What's on this page: Who We Serve Performance Low Costs Retirement Planning Awards & Recognition WHO WE SERVE We help real people with ambitious goals For over a hundred years we’ve helped millions of people like you build more secure financial futures. That’s because we understand and specialize in the financial needs of people who work in academic, government, medical and other non-profit fields. PERFORMANCE Our retirees have relied on us for over a century Our retired participants have received 100% of their income payouts—more than $505 billion since 1918. 1 Facts & Stats LOW COSTS You’re valuable to us, so we offer value for your goals No matter what you’re up to—we can help support it. That’s why our fees are low and so many of our services are offered at no additional cost. INVESTMENTS 93% of TIAA-CREF mutual funds and CREF variable annuities have expense ratios below the median of their respective Morningstar categories 2 ADVICE Included Personalized financial advice for retirement included with your plan INSIGHTS No additional cost 1:1 consultations, online resources, and supportive communities BROKERAGE Free No monthly maintenance fees or commissions for online stock and ETF trades Help With Your Goals RETIREMENT PLANNING Making sure your money lasts is our priority It’s all about you and your unique vision for retirement. We’ll follow your lead, create a personalized plan, and help you make changes over time. Knowing where you stand today We can help you understand whether you’re on track for the retirement you envision. Creating a personalized plan We take the time to understand your values and goals, then help you create a plan to move towards retirement. Helping meet your goals We provide ways to help take your retirement savings to the next level. Our Approach AWARDS & RECOGNITION We’re not in it for the trophies, but it’s nice to be recognized for how we’re different We focus on driving performance and helping our customers pursue their own goals while staying true to our mission and values. The recognition we receive isn’t only about how we perform; it’s also about who we are and what we believe. View All Awards This material is for informational or educational purposes only and does not constitute investment advice under ERISA. 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 based on the investor’s own objectives and circumstances. Certain products and services are only available to eligible individuals. 1 As of December 31, 2020. Other benefits from TIAA include: surrender benefits and other withdrawals, death benefits, health insurance and disability insurance benefits, and all other policy proceeds paid. 2 Based on Morningstar Direct (as of December 31, 2020) expense comparisons by category, excluding Money Market products. Actual percentage is 92.66%. TIAA-CREF mutual fund and CREF 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. Excludes the class W shares, which are not available for purchase by retail investors. TIAA-CREF mutual fund and CREF 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. 1571390 Not a customer yet? 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Consumer and commercial deposit and lending products and services are provided by TIAA Bank®, a division of TIAA, FSB. Member FDIC. Equal Housing Lender. The TIAA group of companies does not provide legal or tax advice. Please consult your tax or legal advisor to address your specific circumstances. TIAA-CREF Individual & Institutional Services, LLC, Member FINRA and SIPC , distributes securities products. SIPC only protects customers’ securities and cash held in brokerage accounts. Annuity contracts and certificates are issued by Teachers Insurance and Annuity Association of America (TIAA) and College Retirement Equities Fund (CREF), New York, NY. Each is solely responsible for its own financial condition and contractual obligations. Teachers Insurance and Annuity Association of America is domiciled in New York, NY, with its principal place of business in New York, NY. Its California Certificate of Authority number is 3092. TIAA-CREF Life Insurance Company is domiciled in New York, NY, with its principal place of business in New York, NY. Its California Certificate of Authority number is 6992. Read the TIAA-CREF Individual & Institutional Services, LLC, Statement of Financial Condition . © 2021 and prior years, Teachers Insurance and Annuity Association of America-College Retirement Equities Fund, New York, NY 10017