MUTUAL FUNDS

TIAA-CREF Lifecycle target date funds

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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

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I’m 25

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

High ratings

100% of Lifecycle Funds received 4 or 5 stars from Morningstar as of December 31, 2017.2
 
Active Funds: 8% received 4 stars, 92% received 5 stars
 
Index funds: 25% received 4 stars, 75% received 5 stars

Why TIAA

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Thomson Reuters Lipper awards eight of TIAA’s Lifecycle Series target-date funds in six categories based on risk-adjusted returns as of November 30, 2017.3

 

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Why TIAA

Performance

73% of TIAA-CREF’s funds received a Morningstar overall rating of 4 or 5 stars ( 35.0% 4 stars and 38.33% 5 stars ), based on risk-adjusted returns as of June 30, 2018 .2
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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.

Target date 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 target date funds, there is exposure to the fees and expenses associated with the underlying mutual funds.
 
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, © 2018 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. Nuveen Securities, LLC, member FINRA and SIPC.
2 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 _ve 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-, _ve- and ten-year ratings for periods ended June 30, 2018 . Past performance cannot guarantee future results. For current performance and rankings, please visit TIAA.org/public/tcfpi/InvestResearch. Morningstar proprietary ratings re_ect 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 re_ects 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 December 31, 2017. Past performance cannot guarantee future results. For current performance and rankings, please visit https://www.tiaa.org/public/investment-performance. 
3 The calculation periods extend over 36, 60, and 120 months. The highest Thomson Reuters Lipper Leader for Consistent Return (Effective Return) value within each eligible classification determines the fund classification winner over three, five, or ten years.

Diversification is a technique to help reduce risk. There is no guarantee that diversification will protect against a loss of income.
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. 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. 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.
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 www.tiaa.org 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
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