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news & research tiaa perspectives press releases who we are why we re different how we serve you who we are our values our professionals why we re different customer stories how we serve you how we invest governance & accountability get in touch online help account access getting started with tiaa get in touch contact us find tiaa near you consultations & seminarsonline help faqs formssecurity centeren espa olaccount accessregister for online accessforgot user idforgot password mobile apps getting started with tiaa enroll in an employer s plan open an account individual customers for employers plan sponsorsconsultants3rd party administratorstiaa institute for institutional investors asset managementplanned givingendowments & foundations for financial advisors tiaa investmentsnuveenretirement advisors communication preferences what makes for a successful retirement discover 4 key insights from our retirees . hear what we discovered from 1 500 retirees in the voices of experience survey . see results be treated like the million bucks you might not have get personalized support for every financial need no matter how much you have to invest . start now your wallet won t know you retired our low fees and award winning funds can help keep your money working hard for you . start now hatch a savings plan that works get our high yield savings account and watch your money grow faster while protecting yournest egg . start now get a bonus of up to 600 move your retirement savings into a tiaa ira account and you could earn a big bonus up to 600 . learn more who we serve our best performing portfolio is you since 1918 we ve helped millions of people like you build secure financial futures . it s because we understand and specialize in the financial needs of people who work in the academic government and nonprofit fields . our customers i ve been actively involved in my finances so i can meet my goals . charles washington when it comes to finances stocks and investing i go to the experts . eva selhub the money you save when you re youngest is what s going to pay off later . joennis almeida show more show less performance manage your watchlist watchlist net values as of nav unit value change change % customize want to add more performance related information to your tiaa homepage no yes show me a preview of what that would look like . save take action how to get started turn to tiaa for guidance and personalized advice about managing your savings . already with tiaa discover all the products we offer beyond your 403 b or 401 k . get online access new to tiaa explore our services like managed accounts guidance and communities enroll in your plan want to talk first call us at 800 842 2252 or find a tiaa location near you . find tiaa tiaa products may be subject to market and other risk factors . 1applies to mutual fund and variable annuity expense ratios . source morningstar direct december 31 2015 . 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 . 72 % are less than half their respective morningstar universe average and 63 % are less than half their respective morningstar universe median . 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 . 2the 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 20 12 11 30 13 and 11 30 14 respectively . tiaa cref was ranked among 36 fund companies in 2012 and 48 fund companies in 2013 and 2014 with at least five equity five bond or three mixed asset portfolios . past performance does not guarantee future results . the performance data quoted represents past performance and is no guarantee of future results . your returns and the principal value of your investment will fluctuate so that your shares or accumulation units when redeemed may be worth more or less than their original cost . current performance may be lower or higher than the performance quoted above . for performance current to the most recent month end please visit https www.tiaa.org public investment performance . c32632 not a customer yet open an account ask us anything800 842 2252weekdays 8 a.m. 10 p.m. et saturday 9 a.m. 6 p.m. et find a local office finra brokercheck check the background of this firm on finra s brokercheck for employers plan sponsors consultants 3rd party administrators tiaa institute for institutional investors asset management endowments & foundations planned giving for financial advisors tiaa investments nuveen retirement advisors for individual customers tiaa.org tiaa mobile apps trust company tiaa direct tiaa communities enroll in an employer s plan en espa ol about tiaa discover tiaa news & press careers awards & recognition our leadership team governance & leadership corporate social responsibility diversity & inclusion brochures site mapsecurityaccessibilityterms & conditionsprospectusprivacybusiness continuityconfidentiality for victims of domestic violence 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 . deposit and lending services and products are provided by tiaa direct a division of tiaa cref trust company fsb . member fdic . equal housing lender . the tiaa group of companies does not provide legal or tax advice . please consult your legal or tax advisor . tiaa cref individual & institutional services llc teachers personal investors services inc. and nuveen securities llc members finra and sipc 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 . each of the foregoing 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 audited statement of financial condition as of december 31 2015 . read the statement of financial condition unaudited june 30 2016 . 2016 and prior years teachers insurance and annuity association of america college retirement equities fund new york ny 10017 .