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For professional guidance on your investment strategy, over the phone, where you work or at one of our offices.
Your TIAA financial consultant can provide:
  • An overall review of your financial picture and goals
  • Guidance on retirement saving strategies based on your age, your goals and your projected retirement date
  • A review of your current investments along with an explanation of your investment options 

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A lifecycle fund is an age-appropriate, diversified mutual fund where the asset allocation (such as stocks and bonds) within the fund is automatically adjusted over time to become more conservative as retirement nears, and continues to become more conservative during retirement.
It's also sometimes called a target-date fund since you choose the fund that most closely matches your retirement date (the "target date").
Lifecycle funds are managed by a professional investment team who aim for a high total return over time while maintaining a diversified, risk-managed exposure across a wide range of asset classes.
As with all mutual funds, the principal value in a lifecycle fund is not guaranteed. Diversification cannot eliminate the risk of investment losses. 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 these funds, there is exposure to the fees and expenses associated with the underlying mutual funds as well. The target date represents an approximate date when investors may plan to begin withdrawing from a lifecycle fund.

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TIAA provides professional portfolio management, making day-to-day decisions on your behalf. That includes research, analysis and investment.
This is a fee-based advisory program that works with your goals, risk tolerance, and timeframes in mind.

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The primary difference? Taxes.
Traditional IRA contributions are often tax-deductible (depending on income limits). Traditional IRA distributions are generally taxable, though. Contributions to Roth IRAs are never tax-deductible, but qualified withdrawals are tax-free in retirement.
There are eligibility requirements and other differences to consider before choosing an IRA. Visit our IRAs page to learn the ins and outs of Traditional and Roth IRAs.

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Take advantage of our online tools. Browse our retirement planning tools and spend a few minutes with Retirement Advisor and Retirement Income Planner to get personalized recommendations.

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Asset classes are the major categories of financial securities. TIAA categorizes investments into five classes:
- Money market
- Fixed income (bonds)
- Equities (stocks)
- Real estate
- Guaranteed products1
Multi-asset is used to identify investments that contain more than one asset class. Brokerage holdings are labeled accordingly.
1Guarantees are based on the claims paying ability of the issuer.
You should consider the investment objectives, risks, charges and expenses carefully before investing. Please call 877-518-9161 or visit tiaa.org for current product and fund prospectuses that contain this and other information. Please read the prospectuses carefully before investing.
There are inherent risks in investing in securities. Products may be subject to market and other risk factors. It is possible to lose money by investing in securities.

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