get the basics

A convenient, simple approach to investing

A mutual fund is collection of professionally selected and managed stocks, bonds, cash or alternative investments grouped together in one fund.

Advantages of mutual funds

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Don't put all your eggs in one basket

Mutual funds provide multiple investment opportunities in one fund.  This can provide lower risk through diversification and lower costs for you.
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Professional money management

We handle all the day-to-day decisions, such as buying, selling and researching investment opportunities for our actively managed funds.
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Easy access to your money

Mutual funds allow you to buy and sell shares as well as convert your assets to cash with ease.
tiaa options

Choose from mutual funds that help you meet your goals.

MUTUAL FUNDS

Target date

Pick a Lifecycle fund with a date closest to when you plan to retire, and it automatically adjusts over time.
MUTUAL FUNDS

Risk level

Lifestyle funds let you choose and maintain the risk level that's right for YOU.
MUTUAL FUNDS

Featured funds

These funds cover a spectrum of asset classes and investment styles, including equity, fixed income, and asset allocation.
MUTUAL FUNDS

Interested in responsible investment?

Our responsible investment funds have a dual objective of seeking competitive returns and making a positive economic, social and environmental impact.
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Performance

69% of TIAA-CREF’s funds and variable annuity accounts received an Morningstar overall rating of 4 or 5 stars (45.33% 4 stars and 24.00% 5 stars), based on risk-adjusted returns as of June 30, 2016.1
Star Ratings
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MUTUAL FUND ACCOUNT

Open a mutual fund account

Open an individual or joint account and buy no-load TIAA mutual funds.2
MY Account

View your plan

Log in to review your current investments  and make changes, if needed.
INSIGHTS

Investing 101

Introduction to investing concepts and common terms.
INSIGHTS

TIAA market commentary

Up-to-date market and investment insight from our experts.
TIAA-CREF products may be subject to market and other risk factors. See the applicable product literature, or visit tiaa.org for details.
 
Please note, the target date for Lifecycle funds is the approximate date when investors plan to start withdrawing their money. The principal value of the fund(s) is not guaranteed at any time, including at the target date.
 
Diversification is a technique to help reduce risk. There is no guarantee that diversification will protect against a loss of income.
 
1Morningstar ratings based on the lowest cost share class for each mutual fund, based on U.S. open end mutual funds; CREF Variable Accounts; and the Life Funds. For a fund or account with multiple share classes and the same pricing, the share class with the longest performance history is used. Please note Morningstar rates CREF group variable annuities within the open end mutual fund universe.  Morningstar ratings may be higher or lower on a monthly basis. Morningstar is an independent service that rates mutual funds. The top 10% of funds or accounts in an investment category receive five stars, the next 22.5% receive four stars and the next 35% receive three stars. Morningstar proprietary ratings reflect historical risk-adjusted performance and can change every month. They are calculated from the fund or account’s three-, five- and ten-year average annual returns in excess of 90-day Treasury bill returns with appropriate fee adjustments, and a risk factor that reflects fund or account performance below 90-day T-bill returns. The overall star ratings are Morningstar’s published ratings, which are weighted averages of its three-, five- and ten-year ratings for periods ended June 30, 2016. Past performance cannot guarantee future results. For current performance and rankings, please visit www.tiaa.org/public/investment-performance.
 
2Other fees and expenses do apply to a continued investment in our no-load funds and are described in the fund’s current prospectus.
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