TIAA is one of Salisbury University’s providers for the Optional Retirement Program (ORP) account and supplement retirement accounts. TIAA is scheduled to be on campus throughout the year for in-person, one-on-one appointments. You will be required to schedule an appointment in order to meet with your selected vendor. William Ross, TIAA Workplace Financial Consultant, will be on campus for in-person appointments on the dates listed below. One-on-one appointments at Salisbury University are available on the following dates. Please consider bringing relevant account statements and any paperwork to help address your questions and needs. To attend during scheduled work hours, please contact your supervisor for prior approval. You will receive location information after you register for an appointment. To schedule a free, one-on-one appointment, visit tiaa.org/schedulenow or call 800-732-8353, weekdays, 8 a.m.-8 p.m. (ET). - June 17
- July 22
- August 19
- September 16
- October 22
- November 18
- December 10
A simple approach to saving You don’t need a six-figure salary or to be a financial wiz to grow your retirement savings. One of the most effective strategies1 to saving more is surprisingly simple—consistency over time. By adopting a long-term approach and assuming the market will tend upward, you allow your savings to benefit from the power of compound growth. And by harnessing this power, even someone who earns a modest living could have significant savings by the time they reach retirement age. What is compound growth? Think of compound growth as a snowball rolling down a hill—starting small, then gaining momentum as it grows. Over time, your money earns interest, then that interest earns even more interest. By leveraging compound growth, you can accelerate your savings. While it may not make you an overnight millionaire, with patience and consistency, compound growth can possibly get you there over time. Keep growing: Tips for smart investing To maximize compound growth potential, consider these strategies: - Diversify your investments: Spread your investments across various asset classes to balance risk. This helps ensure that your portfolio isn’t overly dependent on a single type of investment. How you diversify depends on factors like your risk tolerance and career stage. A diversified portfolio can provide more stability over time.
- Understand your risk tolerance: Different investments carry different levels of risk. The younger you are, the more risk you may be comfortable taking because you have time to recover from market downturns.
- Rebalance your portfolio for your evolving risk tolerance over your working life and as you draw closer to retirement age.
- Stay the course: Market volatility can be unsettling, but sticking with your investment plan is essential. Over the last 30 years, history has shown us that by missing out on the 20 best days in the market your returns could be reduced by 73%.6 That’s why staying invested is key.
Pursue your goals with confidence Compound growth is a powerful ally in your journey toward financial security. You can build a strong foundation for your future by starting early, staying consistent, and making informed decisions. No matter where you are in your career, TIAA is here to help you build confidence in your financial future by strengthening your long-term investment strategy. Notes: Diversification is a technique to help reduce risk. It is not guaranteed to protect against loss. Investing involves risk including the risk of loss. This material is for informational or educational purposes only and is not fiduciary investment advice, or a securities, investment strategy, or insurance product recommendation. This material does not consider an individual’s own objectives or circumstances which should be the basis of any investment decision. | 
