Help your employees build retirement savings
The simplicity of an all-in-one solution is appealing to retirement investors. That's why we offer award-winning1 actively managed and index lifecycle funds.
Winner of the 2019 Lipper Best Mixed Assets Large Fund Group Award including TIAA-CREF Lifecycle Active and Index Series
Three ways our lifecycle funds stand out
Fees are among the lowest for actively managed Target-Date Funds, and fees for the Lifecycle Index Funds rank in the bottom 4% across all Target Date Funds.2
100% of both the Active and Index Lifecycle Funds received an overall Morningstar rating of 4 or 5 stars (29% 4 stars and 71% 5 stars), based on risk-adjusted returns as of 6/30/19.3
Our lifecycle funds balance market risk and longevity risk to help employees prepare for a potentially longer retirement.
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TIAA's unique glidepath
Our through-retirement glidepath balances market risk against the risks caused by the longer life expectancies in the U.S.
TIAA 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.
1 The Lipper Mixed-Assets 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. Note this award pertains to mixed-assets mutual funds within the TIAA-CREF group of mutual funds; other funds distributed by Nuveen Securities were not included. From Thomson Reuters Lipper Awards, © 2019 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. Past performance does not guarantee future results. For current performance, rankings and prospectuses, please visit the Research and Performance section on TIAA.org. The investment advisory services, strategies and expertise of TIAA Investments, a division of Nuveen, are provided by Teachers Advisors, LLC and TIAA-CREF Investment Management, LLC. 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, 06/30/19, institutional share class. The expense ratio on the TIAA-CREF Lifecycle Funds (active) and the TIAA-CREF Lifecycle Index Funds falls in the bottom 20th percentile and bottom 4th percentile, respectively.
3 Source: Morningstar Direct, 6/30/19 institutional share class. Morningstar Rankings based on total returns. Rankings for other time periods may not be as favorable. Please note Lifecycle Funds are subject to the equity and fixed-income risk, as well as asset allocation risk. 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. TIAA-CREF has 24 Lifecycle Funds (12 actively managed funds and 12 index funds). The Morningstar category for Lifecycle Funds is named Target Date and Morningstar groups funds within the same target date in compiling its individual fund rankings.
Source: 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 maybe 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. 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, 2019. Past performance cannot guarantee future results. For current performance and rankings, please visit TIAA.org/public/tcfpi/InvestResearch
Diversification is a technique to help reduce risk. However, there is no guarantee that diversification will protect against a loss of income.
As with all mutual funds, the principal value of a Lifecycle Fund isn’t guaranteed at any time and will fluctuate with market changes. The target date approximates when investors may plan to start making withdrawals. However, you are not required to withdraw the funds at that target date. After the target date has been reached, some of your money may be merged into a fund with a more stable asset allocation.
Lifecycle Funds share the risks associated with the types of securities held by each of the underlying funds in which they invest. In addition to the fees and expenses associated with the Lifecycle Funds, there is exposure to the fees and expenses associated with the underlying mutual funds.