Investment, insurance and annuity products are not FDIC insured, are not bank guaranteed, are not deposits, are not insured by any federal government agency, are not a condition to any banking service or activity, and may lose value.
1 Nothing in this document is intended to, nor should it be construed to, suggest the creation a legal partnership or joint enterprise.
* When TIAA, FSB is acting as Trustee, TIAA, FSB either prepares or oversees the preparation of the trust's tax returns.
Investment, insurance and annuity products are not insured by the Federal Deposit Insurance Corporation (FDIC) or any other agency of the United States, TIAA, FSB, or its affiliates; are not deposits or other obligations of, or guaranteed by, TIAA, FSB; are not a condition to any banking service or activity; and are subject to investment risks, including the possible loss of the principal invested. The statements contained in this newsletter are based on the opinions of the Investment Management Group. The information provided here is for informational purposes only. It does not constitute an offer or recommendation to buy or sell any security and should not be construed as financial planning or investment advice. The views expressed in this newsletter may change in response to changing economic and market conditions. Past performance is not indicative of future returns.
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.
The TIAA group of companies does not provide legal or tax advice. Please consult your legal or tax advisor about your specific circumstances.
TIAA managed account services provide discretionary investment management services for a fee.
Investing involves risk and the value of your investments may gain or lose value and fluctuate over time. Investments in managed accounts should be considered in view of a larger, more diversified investment portfolio. Individuals should consult with an independent tax advisor, CPA and/or attorney for specific advice based on the individual's personal circumstances.
TIAA, FSB provides investment management, custody and trust services. Advisory services provided by Advice & Planning Services, a division of TIAA-CREF Individual & Institutional Services, LLC, a registered investment adviser.
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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.