TIAA-CREF Lifestyle Funds

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What is a lifestyle fund?

A lifestyle fund1 is a single solution approach designed to offer a consistent level of risk that matches your financial goals.

LIfestyle funds basic styles
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Deciding how much risk to take

TIAA-CREF Lifestyle Funds provide varying levels of exposure to global equity and fixed income markets across the risk spectrum to meet your needs.

Consider risk in your mix

You can select a lifestyle fund as an ingredient to dial up or down the risk in your portfolio.

Choose your risk level

Once invested in a fund, you can be confident that your risk level will not change substantially over time.


All five Lifestyle Funds rank in the top-half of peers over the 5-year or 10-year periods, based on total returns.2

Competitive fees

Fees ranked in the bottom decile relative to each Lifestyle Fund’s peer group.3

Extensive experience

We have been managing asset allocation portfolios for more than 60 years.

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Managed accounts

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Mutual fund performance

See our entire list of TIAA-CREF mutual funds.


Investing 101

Introduction to basic investing concepts and terminology.


Nuveen market commentary

Hear what our experts are saying about the market.

1 Lifestyle funds are subject to include asset allocation risk, active management risk and underlying fund risk. These funds are also subject to the risks of the underlying funds in which the fund invests in. This may include equity investment risk and fixed income investment risks. 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.

2 Source: Morningstar Direct as of June 30, 2022; Institutional share class.

3 Source: Morningstar Direct. Latest data run on July 7, 2022. Categories are within the US Fund Universe (includes Open-End Funds and ETFs).

TIAA products may be subject to market and other risk factors. See the applicable product literature for details.

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.