PRODUCTS

Brokerage services

Power. Simplicity. Value.

Build and adjust your investment portfolio based on your goals. Do it yourself, ask us for help, or let us manage it for you.¹

Call 800-927-3059 to speak to a Brokerage Services specialist.

Open Brokerage Account

WHAT IS IT

A brokerage account offers investing options so your money can work as hard as you do.

Look at all of the things you can put in a TIAA Brokerage Services Account

Our brokerage accounts give you flexibility and convenience-pick an option that works for you.

SELF-DIRECTED

Build your own portfolio

Access to the tools and resources our professionals use to find investments such as stocks, bonds, ETFs and mutual funds.

RESEARCH OPTIONS

Ready to do some research?

When you open a brokerage services account you'll have access to our tools.

Financial Research & Information	You get these features with a brokerage account
Market Research Track domestic and international stock and bond markets	✔
Industry News and Insights Keep up with developments that affect investments and markets + insights from TIAA-CREF professionals	✔
Online Tools
Quick Quotes Get real-time quotes and performance data for securities and other investments	✔
Investment Screeners Narrow your search and compare potential investments for your portfolio by using our stock, ETF, Mutual Fund and Fixed Income screeners	✔
Alerts and Watch Lists Set up email alerts for investments you want to track	✔
Investment Comparison Tool Compare attributes of investments versus their peers, indexes and/or markets overall	✔
Investment Inventory & Pricing
Bond and CD Center Find or build individual or laddered CDs and bonds.	✔

MANAGED

Let a professional manage it for you

We can manage your portfolio for you based on your personal needs and goals.

MANAGED ACCOUNTS

Need help deciding which route to go?

The perks of working with TIAA

Choose your level of support

You can invest on your own, take advantage of our professional guidance or let us manage your investments.

Competitive fees

Buy stocks or exchange traded funds (ETFs) online for just $7.95 per trade.²

Lots of choice

Use a brokerage account to choose from a wide array of investment options.

HOW DOES A BROKERAGE ACCOUNT WORK?

An investment account beyond retirement savings

STEP ONE Open a brokerage account online or by phone.

STEP TWO Fund your account by personal check, wire transfers, pension payments, or transfers from another firm.

STEP THREE Invest on your own, or with guidance from us, and manage your investments on tiaa.org.

STEP FOUR Take money out when you need it. A great way to invest funds for emergencies.

OPEN AN ACCOUNT

800-927-3059
Weekdays, 8 a.m.-7 p.m.(ET)

WHY TIAA

Investments that suit your style

Lifestyle

Conservative, aggressive or in-between, our Lifestyle funds provide instant diversification within a single solution.³

Responsible investment

These funds offer competitive returns while promoting economic development, a healthier environment and a positive impact in society.

Lifecycle

Pick the fund with a year closest to when you plan to retire. It will automatically adjust to become more conservative over time.⁴

Lifestyle

Conservative, aggressive or in-between, our Lifestyle funds provide instant diversification within a single solution.³

Responsible investment

These funds offer competitive returns while promoting economic development, a healthier environment and a positive impact in society.

Lifecycle

Pick the fund with a year closest to when you plan to retire. It will automatically adjust to become more conservative over time.⁴

GET STARTED

Open a TIAA Brokerage Services Account

A TIAA Brokerage Services Account is an option for anyone—whether you have your retirement plan with us or not.

Open an account online

Open a brokerage account and start trading today. It takes just a few steps.

OPEN AN ACCOUNT

Want to talk first?

Our specialists will listen to your goals, explain your options and help you select a brokerage account that works with your financial plan.

Call us at

Weekdays, 8 a.m.-7 p.m. (ET) or request a call

REQUEST A CALL

Discover more

PRODUCTS

Fund your brokerage account

Fund your brokerage account by electronic check, wire, check, brokerage account transfer or stock certificates.

Make a transfer

SERVICES

Individual Advisory Services

Get personalized advice and guidance for every stage of your financial life.

LEARN MORE

TOOLS

Research and analysis tools

Access real-time equity quotes, detailed company reports and investment expertise of our asset management team.

LEARN MORE

PRODUCTS

Which IRA is for you?

Have five minutes? Just answer a few questions and our IRA Decision Support Tool will suggest options that work with your retirement goals.

CHOOSE AN IRA

You should consider the investment objectives, risks, charges and expenses carefully before investing. Please call 877-518-9161 for product and fund prospectuses that contain this and other information. Please read the prospectuses carefully before investing.

¹ TIAA-CREF managed account services provide discretionary investment management services for a fee. Certain securities may not be suitable for all investors.

TIAA-CREF managed account services are offered through TIAA-CREF Advice and Planning Services and TIAA-CREF Individual & Institutional Services, LLC , a registered investment adviser and broker-dealer, and the Private Asset Management offered by TIAA-CREF Trust Company, FSB, a federal savings bank.

² To learn more about our expense and fee policies, access the TIAA-CREF Brokerage Account Customer Agreement. Additional investment-related fees and expenses may apply.

³ Be sure to reassess goals regularly and if your situation has changed, you may want to choose another Lifestyle fund that more closely matches your new risk profile.

⁴ Please note that TIAA-CREF Lifecycle Funds share the risks associated with the types of securities held by each of the underlying funds in which they invest. In addition to the fees and expenses associated with the Lifecycle funds, there is exposure to the fees and expenses associated with the underlying mutual funds as well.

C26585

ONLINE	Equity trades - $7.95
AUTOMATED TELEPHONE SYSTEM (ATS)	$35
CLIENT SERVICE ASSISTANCE 800 927-3059	$55
FOREIGN SECURITIES	$75 for each order (not applicable to American Depositary Receipts) + commission
FINANCIAL TRANSACTION TAX (FTT) ORDINARY AND ADR	All opening transactions in designated French companies will be subject to the French FTT at a rate of 0.20% of the total transaction cost. All opening transactions in designated Italian companies with a market capitalization greater than 500 million Euros will be subject to the Italian FTT. 2013 rate = .0012- .0022; 2014 rate = .0010 - .0020.
ADR AGENT SERVICING FEE	Fee will generally range from $0.01 - $0.03 per share. Amounts will differ by ADR. Please refer to the ADR prospectus for specific fee and other information.

NO TRANSACTION FEE (NTF) FUNDS	Minimum initial investment for most funds: The greater of either the listed amount in the fund's prospectus or $500. Different minimums may apply for managed accounts. Short-term redemptions fee: $50 minimum for shares held less than six months (waived for shares transferred from another brokerage firm or financial institution). Additional redemption fees may apply as set forth in each fund's prospectus. Dollar cost averaging transactions, no fee; minimum transaction $100.
TRANSACTION FEE (TF) FUNDS	Transaction fee: $50 per trade regardless of order size. Minimum initial and additional investments typically based on amount listed in the fund's prospectus. Recurring automatic transactions, no fee; minimum transaction $100. Exchanges: $8 per trade regardless of order size.

U.S. TREASURY SECURITIES
NEW ISSUES (AT AUCTION)	$50 per transaction
EXISTING ISSUES	$1 per $1,000 face amount, $50 minimum
MUNICIPAL BONDS, GOVERNMENT AGENCY BONDS, UNLISTED (OVER-THE-COUNTER, OR OTC) CORPORATE BONDS AND MORTGAGE-BACKED SECURITIES	$50 + $2 per bond
CERTIFICATES OF DEPOSIT
NEW ISSUES	Purchase minimums of $5,000, no commission (interest rate reflects issuing bank's fee)
SALE BEFORE MATURITY	$35 per transaction (actual value may be less than par due to early redemption)

ONLINE	$7.95 + $2 per contract based on eligibility
AUTOMATED TELEPHONE	$35 + $2 per contract
PERSON	$55 + $2.50 per contract
OPTIONS EXERCISE / ASSIGNMENT FEE	$25

FOREIGN SECURITIES	$75 for each order (not applicable to American Depositary Receipts) + commission
FOREIGN SECURITY RECEIVE AND DELIVERY	$75
SAFEKEEPING FEE FOR PHYSICAL SECURITIES	$2 per account, per position, per month
WIRED FUNDS FEE	$25
OVERNIGHT CHECK DELIVERY	$12
NSF/RETURN CHECK DEPOSIT	$25
MARGIN EXTENSION	$15
TRANSFERS - GNMA, RESTRICTED, LEGAL	$65 (per transfer)
TRANSFERS - REGISTER AND SHIP	$80 (per transfer, plus any third-party charges, including a DTCC charge of $500)
TRANSFERS - OUTGOING ACCOUNT	$50
TRANSFERS - ACCOMMODATION	$80 (per transfer)
REORGANIZATIONS - VOLUNTARY	$25
POST EFFECTIVE REORGANIZATION REQUESTS - VOLUNTARY	$75
ACCOUNT RESEARCH	$20 per hour
STOP PAYMENT	$15
IRA TERMINATION	$130
ACH RETURN	$25

Brokerage services

Power. Simplicity. Value.

A brokerage account offers investing options so your money can work as hard as you do.

Our brokerage accounts give you flexibility and convenience-pick an option that works for you.

Build your own portfolio