This material is for informational or educational purposes only and does not constitute fiduciary investment advice under ERISA, a securities recommendation under all securities laws, or an insurance product recommendation under state insurance laws or regulations. This material does not take into account any specific objectives or circumstances of any particular investor, or suggest any specific course of action. Investment decisions should be made based on the investor’s own objectives and circumstances.
What's a mutual fund?
It's a collection of professionally selected stocks, bonds, cash or other types of investments managed together in one fund.
Here are some common investment categories:
Equity funds invest in the shares of companies, and are generally more risky than other investments.
Fixed income (bonds)
Fixed income funds invest in debt (bonds) and are generally more conservative than equities; however, they can lose money.
International funds invest in stocks and bonds outside the U.S. and tend to be more risky than other equity investments.
Multi-asset funds invest in a combination of other investment categories and carry the risks of those underlying securities.
A range of funds for every goal
Investing in mutual funds can help you save and grow your money for the things that are important to you. Consider when you will need the money and how much risk you’re comfortable with.
What are you saving for?
A rainy day
Prepare for emergencies with lower risk mutual funds that seek to keep your investment stable and accessible when you need it.
The retirement you want—when you want it
Pursue retirement on your terms with mutual funds of various risk levels in your employer's retirement plan, an IRA, or a brokerage account.
A new home
Growing family? Thinking about a bigger place? Whatever your plans, mutual funds can help you invest for your goals, such as your next home.
Find other TIAA-CREF funds
See the complete list of TIAA-CREF mutual funds available to investors.
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News & research
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Open a mutual fund account
Invest in TIAA-CREF mutual funds across a wide range of categories.