You should consider the investment objectives, risks, charges and expenses carefully before investing. Please call 877-518-9161 or go to www.TIAA.org/prospectuses for current product and fund prospectuses that contain this and other information. Please read the prospectuses carefully before investing.
Equity funds invest in the stocks of companies—thus purchasing ownership or equity in the company. As an equity owner or shareholder you are tied to the successes and failures of a company itself. As a result, equity funds can be risky, including the loss of principal, and may offer an opportunity for relatively higher returns.
TIAA-CREF Growth & Income Fund (Retail) TIIRX TIAA-CREF Large-Cap Growth Fund (Retail) TIRTX TIAA-CREF Mid-Cap Value Fund (Retail) TCMVX TIAA-CREF Social Choice Equity Fund (Retail) TICRX
Fixed income funds invest in government or corporate debt, also known as bonds, and are considered more conservative than most equity funds. Fixed income funds also provide the opportunity for income. An increase in interest rates may cause the price of bonds and bond mutual funds to decline.
TIAA-CREF High Yield Fund (Retail) TIYRX TIAA-CREF Core Plus Bond Fund (Retail) TCBPX TIAA-CREF Short-Term Bond Fund (Retail) TCTRX TIAA-CREF Core Impact Bond Fund (Retail) TSBRX
International funds invest in the stocks and bonds of companies based outside of the U.S. Some funds focus on foreign investments in developing countries to access emerging growth opportunities, while others focus on regions that are more developed and stable. International investing involves special risks such as currency fluctuation and political instability and may not be suitable for all investors. These risks are often heightened for investments in emerging markets.
TIAA-CREF International Equity Fund (Retail) TIERX TIAA-CREF Emerging Markets Equity Fund (Retail) TEMRX TIAA-CREF Emerging Markets Debt Fund (Retail) TEDLX
Multi-asset funds invest across a combination of stocks and bonds, and other investments like cash or real estate, in a single fund. These funds are more diversified than a portfolio comprised entirely of one asset class. A Lifecycle fund is a “fund of funds,” primarily invested in shares of other mutual funds. The fund’s investments are adjusted from more aggressive to more conservative over time as the target retirement date approaches. The principal value of a target-date fund isn’t guaranteed at any time, including at the target-date, and will fluctuate with market changes. The target date represents an approximate date when investors may plan to begin withdrawing from the fund. However, you are not required to withdraw the funds at that target date.