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The performance data quoted represents past performance, and is no guarantee of future results. Your returns and the principal value of your investment will fluctuate so that your mutual fund shares and annuity account accumulation units, and shares or units of the investment vehicles in your model-based accounts, when redeemed, may be worth more or less than their original cost. Current performance may be lower or higher than the performance quoted. The net asset values used to calculate the hypothetical account performance for model-based accounts are compiled using values for underlying funds as of the prior business day and current business day for fixed annuities. For performance current to the most recent month-end, call 800-842-2252 or visit TIAA.org/planinvestmentoptions and enter your plan ID. Performance may reflect waivers or reimbursements of certain expenses. Absent these waivers or reimbursement arrangements, performance results would have been lower. Since Inception performance shown is cumulative for periods less than one year.
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The performance data quoted represents past performance, and is no guarantee of future results. Your returns and the principal value of your investment will fluctuate so that your accumulation units or shares, when redeemed, may be worth more or less than their original cost. Current performance may be lower or higher than the performance quoted above. Performance may reflect waivers or reimbursements of certain expenses. Absent these waivers or reimbursement arrangements, performance results would have been lower. Since Inception performance shown is cumulative for funds that have less than one year of performance history. For performance current to the most recent month‐end, visit TIAA.org or call 877 518‐9161
Investment products, insurance and annuity products and investments based on Models: 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.
The model's underlying investments' performance can be found under the appropriate asset class. Please refer to the RetirePlus Pro Model Portfolio Target Allocations section of this document for information on the model's current target allocations and other important information about your investment through the RetirePlus Pro Model program.
Class A Shares of 5-15 Year Laddered Tax-Exempt Bond Fund has a 3.0% maximum sales charge. Class A Shares have a maximum sales charge of 4.75% for the High Yield Fund. Bond Index, Core Bond, Core Impact Bond, Core Plus Bond, Green Bond and Inflation Linked Bond Funds’ Class A Shares have a maximum sales charge of 3.75%. The Short Duration Impact Bond, Short Term Bond and Short Term Bond Index Funds’ Class A Shares have a maximum sales charge of 2.5%. Class A Shares of the Nuveen equity and asset allocation Funds have a maximum sales charge of 5.75%. Class I shares have no sales charge and may be purchased by specified classes of investors. Class R6 shares are available to certain qualified retirement plans and other investors as set forth in the statement of additional information. Retirement Class and Premier Class shares are generally available for purchase through employee benefit plans or other types of savings plans or accounts. Class W shares have limited availability, please see the Fund’s prospectus for more details.
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. This tool is intended to provide you with information to help you make informed decisions. You should not view or construe the availability of this tool as a suggestion that you take or refrain from taking a particular course of action, as the advice of an impartial fiduciary, as an offer to sell or a solicitation to buy or hold any securities, as a recommendation of any securities transactions or investment strategy involving securities (including account recommendations), a recommendation to rollover or transfer assets to TIAA or a recommendation to purchase an insurance product. In making this tool and information available to you, TIAA assumes that you are capable of evaluating the information and exercising independent judgment. As such, you should consider your other assets, income and investments and you should not rely on the information as the primary basis for making investment or insurance product purchase or contribution decisions. The information that you may derive from this tool is for illustrative purposes only and is not individualized or based on your particular needs. This material does not take into account your specific objectives or circumstances, or suggest any specific course of action. Investment, insurance product purchase or contribution decisions should be made based on your own objectives and circumstances. The purpose of the tool is not to predict future returns, but to be used as education only. The assumptions underlying this tool are provided here and will change over time and from time to time. Contact your tax advisor regarding the tax implications. You should read all associated disclosures.
You could lose money by investing in the Nuveen Money Market Fund. Although the Fund seeks to preserve the value of your investment at $1.00 per share, it cannot guarantee it will do so. An investment in the Fund is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. The Fund's sponsor has no legal obligation to provide support to the Fund, and you should not expect that the sponsor will provide financial support to the Fund at any time.
Consider the investment objectives, risks, charges and expenses carefully before investing. The prospectus contains this and other information. Please select the name of a fund above to go to the Fund Profile page that contains the link to the fund's prospectus. Read the prospectus carefully before investing.
Clients of TIAA-CREF Trust Company may hold investments other than TIAA-CREF Funds, but performance information about those other investments is not available on our web site.
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Investment results shown here are after all applicable investment, administrative, and distribution expenses
The Hypothetical Growth of $10k chart illustrates the performance of a hypothetical $10,000 investment made on the date indicated. Total returns are not adjusted to reflect sales charges or the effects of taxation, but are adjusted to reflect actual ongoing expenses, and assume reinvestment of dividends and capital gains, net of all recurring costs.
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The Overall Morningstar Rating for a managed product is based on risk adjusted return and is derived from a weighted average of the performance figures associated with its 3-, 5-, and 10-year (if applicable) Morningstar Rating metrics.
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Each business day, unit values and net asset values for tiaa-cref investments are usually posted between 6:00 p.m. and 9:00 p.m. ET. Net asset values for Collective Investment Trusts are usually updated the following day by 10am ET.
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The SEC 30-day yield is computed under an SEC standardized formula and is based on the maximum offer price per share. Subsidized (Sub.) yields reflect fee waivers in effect. Without such waivers, yields would be reduced. Unsubsidized (Unsub.) yields do not reflect fee waivers in effect.
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The current yield more closely reflects current earnings than does the total return.
7-Day Current Annualized Yield – A simple interest calculation. A measure of return that divides average net income received over a 7-day period by the average balance in your account and multiplies the result by 365 to get an annual equivalent. This measure reflects income actually received over the last 7 days and differs from Effective Annualized Yield in that it does not reflect compounding.
7-Day Effective Annualized Yield – A compound interest calculation. A measure of return that compounds the 7-Day Current Yield to an annual figure. This measure assumes that dividends are reinvested and that an investor will earn the 7-Day Yield for an entire year. It also reflects interest earned on interest, or compounded interest."
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Interest credited to TIAA Traditional Annuity accumulations includes a minimum guaranteed rate plus additional amounts that are not guaranteed but may be established on a year-by-year basis by the TIAA Board of Trustees. Additional amounts, when declared, remain in effect through the end of the "declaration year", which begins each March 1 for accumulating annuities. Additional amounts are not guaranteed for the future years. Any guarantees under annuities issued by TIAA are subject to TIAA's claims-paying ability. This product is a guaranteed insurance contract and not an investment for Federal securities law purposes. The guaranteed annual interest rate is 3% for all premiums remitted since 1979 under all TIAA Traditional Annuity accumulating contracts, except that for Retirement Choice, Retirement Choice Plus, and IRA (issued on or after 10/11/2010) Annuities the guaranteed rate is between 1% and 3%, as specified in the contract. The minimum guaranteed rate applicable to contributions and transfers into the TIAA Traditional Annuity account under RC contracts during 2025 is 3.00%. This rate will continue to be guaranteed to these 2025 contributions and transfers for 10 calendar years. The minimum guaranteed rate applicable to contributions and transfers into the TIAA Traditional Account under RCP and IRA contracts (issued on or after 10/11/2010) from March 1, 2025 through February 28, 2026 is 3.00%.
Note: All IRA Minimum Distribution Option contracts and IRA contracts issued as a result of a divorce settlement will be given the same rate as the originating contract.
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This annuity offers you the option to convert a portion of your balance into lifetime income when you retire. Guarantees are based on the claims-paying ability of TIAA. TIAA Traditional is a guaranteed insurance contract and not an investment for federal securities law purposes.
Funds applied to TIAA Traditional from May 1, 2025 through May 31, 2025 will be credited with the indicated rates until February 28 2026.
As of April 24, 2015, additional classes of CREF Accounts are available with different eligibility requirements. Please visit the account's prospectus at tiaa.org for more information.
For RetirePlus Pro Models, the performance shown is of the underlying funds and that of a hypothetical account invested in accordance with the Model during the relevant time periods and reflects the weighted average return of the underlying investments assuming an annual rebalance from the model inception date. Actual and current performance may be higher or lower. The net asset values used to calculate the hypothetical account performance are compiled using values for underlying funds as of the prior business day and current business day for fixed annuities. For current performance information, including performance to the most recent month-end, call 800-842-2888. Performance may reflect waivers or reimbursements of certain expenses at both the model and underlying investment level. Absent these waivers or reimbursement arrangements, performance may be lower. Such waivers or reimbursements may not apply in the future.
Illustrative RetirePlus Model Performance Data Provider Disclosure
As of the first quarter of 2025, illustrative RetirePlus Model Performance results are generated by FactSet Research Systems Inc. © FactSet Research Systems Inc. All Rights Reserved. Illustrative RetirePlus Model performance results were recalculated since the Model inception date. A variation may appear due to the optimized calculation process implemented to better align with industry standards.
Data for products managed by TIAA or its affiliates is provided by TIAA. Data for products not managed by TIAA or its affiliates is provided by FactSet Research Systems Inc. © FactSet Research Systems Inc. All Rights Reserved. The information contained herein: (1) is proprietary to FactSet Research Systems Inc. and/or its content providers; (2) may not be copied or distributed; and (3) is not warranted to be accurate, complete or timely. Neither FactSet Research Systems Inc. nor its content providers are responsible for any damages or losses arising from any use of this information. Neither TIAA nor its affiliates has independently verified the accuracy or completeness of this information.
IMPORTANT INFORMATION ABOUT RETIREPLUS PRO MODEL PORTFOLIOS
The TIAA RetirePlus Pro® Models are asset allocation recommendations developed in one of three ways,
depending on your plan structure: i) by your plan sponsor, ii) by your plan sponsor in consultation with consultants
and other investment advisors designated by the plan sponsor, or iii) exclusively by consultants and other investment
advisors selected by your plan sponsor whereby assets are allocated to underlying mutual funds and annuities
that are permissible investments under the plan. Model-based accounts will be managed on the basis of the plan
participant’s personal financial situation and investment objectives.
This material is for informational purposes only and does not constitute a recommendation to invest through a model or to purchase any security or advice about investing or managing retirement savings. This material does not take into account the specific objectives or circumstances of a plan participant, or suggest any specific course of action.
You should consider the investment objectives, principal strategies, principal risks, portfolio turnover rate, performance data, and fee and expense information of each underlying investment carefully before directing an investment based on the model. For a free copy of the program description and the prospectus or other offering documents for each of the underlying investments (containing this and other information), call TIAA at 877-518-9161. Please read the program description and the prospectuses or other offering documents for the underlying investments carefully before investing.
The Plan Fiduciary and the Plan Advisor may determine that an Underlying Investment(s) is appropriate for a Model Portfolio, but not appropriate as a stand-alone investment for a Participant who is not participating in the Program. In such case, Participants who elect to unsubscribe from the Program while holding an Underlying Investment(s) in their Model-Based Account that has been deemed inappropriate as a stand-alone investment option by the Plan Fiduciary and/or the Plan Advisor will be prohibited from allocating future contributions to that investment option(s).
Established Restrictions: Each Plan Participant may, but need not, propose restrictions for his or her Model-Based Account, which will further customize such Plan Participant’s own portfolio of Underlying Investments. The Plan Fiduciary is responsible for considering any restrictions proposed by a Plan Participant, and for determining (together with Plan Advisor(s)) whether the proposed restriction is “reasonable” in each case.
No registration under the Investment Company Act, the Securities Act or state securities laws–The Model is not a mutual fund or other type of security and will not be registered with the Securities and Exchange Commission as an investment company under the Investment Company Act of 1940, as amended, and no units or shares of the Model will be registered under the Securities Act of 1933, as amended, nor will they be registered with any state securities regulator. Accordingly, the Model is not subject to compliance with the requirements of such acts, nor may plan participants investing in underlying investments based on the Model avail themselves of the protections there under, except to the extent that one or more underlying investments or interests therein are registered under such acts.
No guarantee–Investments based on the Model are not deposits of, or obligations of, or guaranteed or endorsed by TIAA, the Investment Advisor, The Plan or their affiliates, and are not insured by the Federal Deposit Insurance Corporation, or any other agency. An investment based on the Model is not guaranteed, and you may experience losses, including losses near, at, or after the target date. There is no guarantee that investments based on the Model will provide adequate income at and through your retirement. Investors should not allocate their retirement savings based on the Model unless they can readily bear the consequences of such loss.
TIAA RetirePlus Pro is administered by Teachers Insurance and Annuity Association of America ("TIAA") as plan recordkeeper. TIAA-CREF Individual & Institutional Services LLC, Member FINRA, distributes securities products. If offered under your plan, TIAA and CREF annuity contracts and certificates are issued by Teachers Insurance and Annuity Association of America (TIAA) and College Retirement Equities Fund (CREF), New York, NY, respectively. Each is solely responsible for its own financial condition and contractual obligations. Transactions in the underlying investments invested in based on the Model on behalf of the plan participants are executed through TIAA-CREF Individual & Institutional Services, LLC, Member FINRA.
TIAA RetirePlus Pro® is a registered trademark of Teachers Insurance and Annuity Association of America-College Retirement Equities Fund, 730 Third Avenue, New York, NY 10017.
© 2025 Teachers Insurance and Annuity Association of America-College Retirement Equities Fund, 730 Third Avenue, New York, NY 10017.
TIAA Traditional Annuity accumulations are credited with interest based on
when contributions and transfers are received, and your performance will reflect your pattern of
contributions. The returns shown in the table reasonably represent what an individual making level
monthly premiums would have historically earned over the time periods. Returns for different time
periods are calculated in two steps: monthly performance returns are calculated from an accumulation
created by a series of level monthly premiums over the prior 10 years (or the inception date of the
product if later), and those monthly returns are linked together to determine historical performance
for each of the return periods shown.
Morningstar is an independent service that rates mutual funds and variable annuities.
Morningstar Rating and Morningstar Style Box and category information (if shown) provided by Morningstar, Inc. ©2025 Morningstar, Inc. All Rights Reserved. The information contained herein: (1) is proprietary to Morningstar and/or its content providers; (2) may not be copied or distributed; and (3) is not warranted to be accurate, complete or timely. Neither Morningstar nor its content providers are responsible for any damages or losses arising from any use of this information. Neither TIAA nor its affiliates has independently verified the accuracy or completeness of this information.
The Morningstar Rating™ - or “star rating” - is calculated for managed products (including mutual funds, variable annuity and variable life subaccounts, exchange-traded funds, closed-end funds and separate accounts) with at least a three-year history. Exchange-traded funds and open-ended mutual funds are considered a single population for comparative purposes. The rating is calculated based on a Morningstar Risk-Adjusted Return measure that accounts for variation in a managed product's monthly excess performance, placing more emphasis on downward variations and rewarding consistent performance. The top 10% of products in each product category receive 5 stars, the next 22.5% receive 4 stars, the next 35% receive 3 stars, the next 22.5% receive 2 stars, and the bottom 10% receive 1 star. The weights are: 100% three-year rating for 36-59 months of total returns, 60% five-year rating/40% three-year rating for 60-119 months of total returns, and 50% 10-year rating/30% five-year rating/20% three-year rating for 120 or more months of total returns. While the 10-year overall star rating formula seems to give the most weight to the 10-year period, the most recent three-year period actually has the greatest impact because it is included in all three rating periods. Where applicable, ratings are based on linked performance that considers the differences in expense ratios. The Morningstar Rating™ is for individual share classes only. Other classes may have different performance characteristics.
Although Morningstar data are gathered from reliable sources, neither Morningstar nor TIAA can guarantee its completeness and accuracy. Morningstar does not rate money market funds/accounts and the other TIAA Funds are too new to be rated. Past performance does not guarantee future results. Accumulation net asset values and returns will vary.
The information contained in these reports is the proprietary information of Morningstar, Inc., may not be copied or redistributed for any purpose and may only be used for non-commercial, personal purposes. Additionally, Morningstar, Inc. shall not be responsible for investment decisions, damages or other losses resulting from use of this information. Morningstar, Inc. has not granted consent for it to be considered or deemed an "expert" under the Securities Act of 1933.
Fees and expenses are only one of many factors to consider when you decide to invest in an option. You may also want to think about whether an investment in a particular option, along with your other investments, will help you achieve your financial goals.
The cumulative effect of fees and expenses can substantially reduce the growth of your retirement savings. Visit the Department of Labor for an example showing the long-term effect of fees and expenses.
Expense ratios shown are based on the most recent information available, but may not reflect all updates and may differ slightly from the prospectus due to rounding. Please consult the most recent prospectus or offering document for more detailed information.
The Total Operating Expense Ratio of a plan participant's model-based account is based on the total expense ratio (including fees) of each underlying investment blended in accordance with the Target Allocations for the Model, plus the amount of Program-related fees and other expenses allocated to each model-based account by the Plan Fiduciary. For information concerning each underlying investment's fees and expenses, see its most current prospectus or similar offering document.
As Target Retirement Date Models are actively managed, their asset allocations are subject to change and may vary from those indicated. They invest in many underlying funds and are exposed to the risks of different areas of the market. Please note that, as with all Model Portfolios, the principal value of a Target Retirement Date Model is not guaranteed. The higher a Model's allocation to stocks, the greater the risk. After the target date has been reached, some of these Models may be merged into a Model with a more stable asset allocation. Please consult the fact sheet or offering document for more complete information.
Model Strategy, Model Fees and Expenses and Target Allocations information provided by the Plan Sponsor. Neither TIAA nor its affiliates has independently verified the accuracy or completeness of this information.
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.
TIAA-CREF Individual & Institutional Services, LLC, Member FINRA and SIPC, distributes securities products. SIPC only protects customers' securities and cash held in brokerage accounts. Annuity contracts and certificates are issued by Teachers Insurance and Annuity Association of America (TIAA) and College Retirement Equities Fund (CREF), New York, NY. Each is solely responsible for its own financial condition and contractual obligations.
© 2024 and prior years, Teachers Insurance and Annuity Association of America-College Retirement Equities Fund, New York, NY 10017
