The California Institute of Technology Retirement Plan (the "Plan") is a defined contribution plan. Benefits are provided through fixed-dollar annuities issued by the Teachers Insurance and Annuity Association (TIAA) or through variable annuities offered by TIAA’s companion organization, the College Retirement Equities Fund (CREF).  TIAA is an insurance company founded in 1918 and incorporated under New York State Law.  CREF is registered with the Securities and Exchange Commission as an open-end diversified investment company.

The Tax Deferred Account(TDA) operates under the Section 403(b) of the Internal Revenue Code and uses TIAA and CREF Retirement Annuities to provide benefits.  The Administrator of the Plan is the Institute.  The Plan year begins on January 1 and ends on December 31. The Institutes eligible participants may select from investment vehicles offered by Fidelity and TIAA CREF.

Upcoming Retirement Workshops
TIAA CREF and Fidelity provide retirement savings counseling and workshops on campus during the year. To see the current schedule of events and one-one-one counseling opportunities please see the Retirement & Education Programs brochure.