Lifecycle target date funds

Call 800-842-2252 to speak with one of our consultants.
Get the basics

The basics of lifecycle funds

Lifecycle funds, also known as target date funds, can help make it easier to save for retirement. When planning your retirement, select a lifecycle fund that’s closest to the date and the fund automatically adjusts over time.

A lifecycle fund adjusts over time

Get the basics

Invest for retirement in one easy step

I’m 25

Since I plan to work for 40 more years, I want my money to work as hard as I do.

I’m 45

I need my money to work through market ups and downs.

I’m 60

I want to keep my retirement money working so I’ll have enough income to live on.


72% of TIAA-CREF’s funds received a Morningstar overall rating of 4 or 5 stars ( 37.93% 4 stars and 34.48% 5 stars ), based on risk-adjusted returns as of June 30, 2017 .2


Five times in a row!

We’re the only company to win “Best Overall Large Fund Company” five years in a row, from Thomson Reuters Lipper, an independent ratings organization.1


72% of TIAA-CREF’s funds received a Morningstar overall rating of 4 or 5 stars ( 37.93% 4 stars and 34.48% 5 stars ), based on risk-adjusted returns as of June 30, 2017 .2
Take action

We’re here to help you

Ready to invest in mutual funds?

Get started

Give us a call

Weekdays, 8 a.m. – 10 p.m. (ET)
Saturday, 9 a.m. – 6 p.m. (ET)

Schedule a call

Tell us when to call you.

Discover more


Investing 101

Introduction to investing concepts and common terms.

Planning for your retirement

Take steps today to have the retirement you want tomorrow.

Mutual fund performance

See our entire list of TIAA-CREF mutual funds.

Open a mutual fund account

Open an individual or joint account where you can buy no-load TIAA-CREF mutual funds.
1 The Thomson Reuters Lipper Large Fund Award is given to the group with the lowest average decile ranking of three years’ Consistent Return for eligible funds over the three-year period ended 11/30/12, 11/30/13, 11/30/14, 11/30/15 and 11/30/2016, respectively. TIAA was ranked among 36 fund companies in 2012, 48 fund companies in 2013 and 2014,  37 fund companies in 2015 and 34 fund companies in 2016 with at least five equity, five bond, or three mixed-asset portfolios. Classification averages are calculated with all eligible share classes for each eligible classification. The calculation periods extend over 36, 60, and 120 months. The highest Lipper Leader for Consistent Return (Effective Return) value within each eligible classification determines the fund classification winner over three, five, or ten years. From Thomson Reuters Lipper Awards, ©2017 Thomson Reuters. All rights reserved. Used by permission and protected by the Copyright Laws of the United States. The printing, copying, redistribution, or retransmission of this Content without express written permission is prohibited. Certain funds have fee waivers in effect. Without such waivers ratings could be lower. For current performance and rankings, please visit the Research and Performance section on TIAA-CREF Individual & Institutional Services, LLC, Teachers Personal Investors Services, Inc., and Nuveen Securities, LLC, members FINRA and SIPC, distribute securities products.
2 Morningstar ratings are based on the lowest-cost share class for each mutual fund and include U.S. open-end mutual funds. For a fund with multiple share classes and the same pricing, the share class with the longest performance history is used. The top 10% of funds 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’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 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, 2017 . Morningstar is an independent service that rates mutual funds. Past performance cannot guarantee future results. For current performance and rankings, please visit
Diversification is a technique to help reduce risk. There is no guarantee that diversification will protect against a loss of income.
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.
Other fees and expenses do apply to a continued investment in our no-load funds and are described in the fund’s current prospectus.
TIAA-CREF products may be subject to market and other risk factors.  See the applicable product literature, or visit for details.
This material is for informational or educational purposes only and does not constitute a recommendation or investment advice in connection with a distribution, transfer or rollover, a purchase or sale of securities or other investment property, or the management of securities or other investments, including the development of an investment strategy or retention of an investment manager or advisor. 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 in consultation with an investor's personal advisor based on the investor’s own objectives and circumstances