Helping employees build  retirement savings

The simplicity of an all-in-one solution is appealing to retirement investors. That’s why we offer our award-winning, actively-managed and index lifecycle funds.
 lipper awards
Winner of the 2017 Thomson Reuters Lipper Best Mixed Assets Large Fund Award including the TIAA-CREF Lifecycle and Lifecycle Index Series1

Three benefits of our lifecycle funds

Competitive fees

Both our active and index lifecycle funds have lower expenses than 88% of their Morningstar peers.2

Highly rated

100% of our lifecycle funds have received 4 or 5 stars from Morningstar® (5 stars- 73%, 4 stars - 27%, as of 9/30/2016).3

Risk management

Balances market risk and longevity risk to prepare for a potentially longer retirement.
We’re here to help
Contact your TIAA relationship manager, or call the Administrator Telephone Center at 888-842-7782.
New to TIAA? Call call us at 844-NEW-TIAA

Consider our unique glidepath

Our “through-retirement” glidepath balances market risk against the risks caused by growing life expectancy of the U.S. population.
TIAA-CREF Lifecycle Funds include investments in commercial real estate, helping diversification and risk control. Stable cash flows from long-term leases have the potential to result in attractive yields and risk-adjusted returns.

Engage employees and manage your plan more effectively

Contact TIAA

Let’s work together to help employees pursue lifetime income

New to TIAA

If you don’t currently work with TIAA, call 844-NEW-TIAA.


Contact your TIAA relationship manager, or call the Administrator Telephone Center at


1 ©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. Past performance does not guarantee future results. Certain funds have fee waivers in effect. Without such waivers ratings could be lower. You should consider the investment objectives, risks, charges and expenses carefully before investing. Please call 877-518-9161 or log on to for product and fund prospectuses that contain this and other information. Please read the prospectuses carefully before investing. TIAA-CREF mutual funds are subject to market and other risk factors. TIAA-CREF Individual & Institutional Services, LLC, Teachers Personal Investors Services, Inc., and Nuveen Securities, LLC, members FINRA and SIPC, distribute securities products.
2 Source: Morningstar Direct (September 30, 2016). The expense ratio on the TIAA-CREF Lifecycle Funds, Institutional Class, and the TIAA-CREF Lifecycle Index Funds, institutional class, fall into the lowest quartile in terms of fees.
3 Morningstar ratings based on the lowest cost share class (Institutional Share Class) for each mutual fund, based on 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. 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 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 September 30, 2016. Past performance cannot guarantee future results. For current performance and rankings, please visit
The principal value in a Lifecycle Fund is not guaranteed. The target date of the Lifecycle Fund is an approximate date when investors may plan to begin withdrawing from the fund.