Lifecycle target date funds

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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


Find the lifecycle fund that can help meet your long-term needs*

I am

years old and

I plan to retire at 65.

* You will see an actively managed lifecycle fund appropriate to your age. To see other funds, including target date funds based on indexes, please visit the fund list page.
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.


76% of TIAA-CREF’s funds received an Morningstar overall rating of 4 or 5 stars (44.83% 4 stars and 31.03% 5 stars), based on risk-adjusted returns as of September 30, 2016.1

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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 September 30, 2016. 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.