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    Average Annual Returns (%)1 as of
3/31/2025
Unless otherwise noted
Morningstar Information
as of 4/30/2025
Name /
Symbol
Asset Class/
Product Type
Net / Gross Expense Ratio Daily YTD 1 YR 5 YR 10 YR
OR SI
Inception Date
Morningstar Overall Ratings
Morningstar Category Performance
T.Rowe Price Retirement 2005 Trust Class C (TC05#) Equities / Other Investment 0.34% / 0.34% --
5.83% 7.40% 5.18% 8/23/2013 5 Stars 5 Stars OUT OF 83 FUNDS Target-Date 2000-2010 View Details
T.Rowe Price Retirement 2010 Trust Class C (TC10#) Equities / Other Investment 0.34% / 0.34% --
5.84% 7.97% 5.52% 8/23/2013 5 Stars 5 Stars OUT OF 83 FUNDS Target-Date 2000-2010 View Details
T.Rowe Price Retirement 2015 Trust Class C (TC15#) Multi-Asset / Other Investment 0.34% / 0.34% --
5.78% 8.64% 5.94% 8/23/2013 5 Stars 5 Stars OUT OF 86 FUNDS Target-Date 2015 View Details
T.Rowe Price Retirement 2020 Trust Class C (TC20#) Multi-Asset / Other Investment 0.34% / 0.34% --
5.82% 9.40% 6.41% 8/23/2013 5 Stars 5 Stars OUT OF 106 FUNDS Target-Date 2020 View Details
T.Rowe Price Retirement 2025 Trust Class C (TC25#) Multi-Asset / Other Investment 0.34% / 0.34% --
5.84% 10.45% 6.96% 8/23/2013 5 Stars 5 Stars OUT OF 167 FUNDS Target-Date 2025 View Details
T.Rowe Price Retirement 2030 Trust Class C (TC30#) Multi-Asset / Other Investment 0.34% / 0.34% --
5.72% 11.60% 7.55% 8/23/2013 5 Stars 5 Stars OUT OF 188 FUNDS Target-Date 2030 View Details
T.Rowe Price Retirement 2035 Trust Class C (TC35#) Multi-Asset / Other Investment 0.34% / 0.34% --
5.65% 12.74% 8.12% 8/23/2013 5 Stars 5 Stars OUT OF 180 FUNDS Target-Date 2035 View Details
T.Rowe Price Retirement 2040 Trust Class C (TC40#) Multi-Asset / Other Investment 0.34% / 0.34% --
5.69% 13.72% 8.60% 8/23/2013 5 Stars 5 Stars OUT OF 183 FUNDS Target-Date 2040 View Details
T.Rowe Price Retirement 2045 Trust Class C (TC45#) Multi-Asset / Other Investment 0.34% / 0.34% --
5.75% 14.49% 8.93% 8/23/2013 5 Stars 5 Stars OUT OF 180 FUNDS Target-Date 2045 View Details
T.Rowe Price Retirement 2050 Trust Class C (TC50#) Multi-Asset / Other Investment 0.34% / 0.34% --
5.79% 14.58% 8.97% 8/23/2013 5 Stars 5 Stars OUT OF 181 FUNDS Target-Date 2050 View Details
    Average Annual Returns (%)1 as of
3/31/2025
Unless otherwise noted
Morningstar Information
as of 4/30/2025
Name /
Symbol
Asset Class/
Product Type
Net / Gross Expense Ratio Daily YTD 1 YR 5 YR 10 YR
OR SI
Inception Date
Morningstar Overall Ratings
Morningstar Category Performance
Vanguard Growth Index Admiral (VIGAX) Equities / Mutual Fund 0.05% / 0.05% 1.43%
8.26% 19.49% 14.21% 11/13/2000 4 Stars 4 Stars OUT OF 1027 FUNDS Large Growth View Details
Vanguard Inst Total International Stock Market Index Trust C (VISC#) Equities / Other Investment 0.06% / 0.06% --
-- -- 1.43% 9/17/2024

N/A

0 Stars
0 Stars
Foreign Large Blend View Details
Vanguard Institutional 500 Index Trust C (VITC#) Equities / Other Investment 0.01% / 0.01% --
-- -- 0.12% 8/30/2024

N/A

0 Stars
0 Stars
Large Blend View Details
Vanguard Institutional Extended Market Index Trust C (VEMC#) Equities / Other Investment 0.03% / 0.03% --
-- -- -3.16% 8/30/2024

N/A

0 Stars
0 Stars
Mid-Cap Blend View Details
Vanguard Institutional Total Bond Market Index Trust C (VTBC#) Fixed Income / Other Investment 0.02% / 0.02% --
-- -- 0.98% 8/30/2024

N/A

0 Stars
0 Stars
Intermediate Core Bond View Details
Vanguard Mid-Cap Growth Index Admiral (VMGMX) Equities / Mutual Fund 0.07% / 0.07% 7.39%
4.49% 14.82% 9.37% 9/27/2011 4 Stars 4 Stars OUT OF 479 FUNDS Mid-Cap Growth View Details
Vanguard Mid-Cap Value Index Fund Admiral (VMVAX) Equities / Mutual Fund 0.07% / 0.07% 2.17%
5.37% 17.24% 8.21% 9/27/2011 4 Stars 4 Stars OUT OF 385 FUNDS Mid-Cap Value View Details
Vanguard Real Estate Index Fund Admiral (VGSLX) Equities / Mutual Fund 0.13% / 0.13% 2.45%
9.00% 9.41% 4.85% 11/12/2001 3 Stars 3 Stars OUT OF 209 FUNDS Real Estate View Details
Vanguard Small-Cap Growth Index Fund Admiral (VSGAX) Equities / Mutual Fund 0.07% / 0.07% -3.37%
-2.83% 11.47% 7.30% 9/27/2011 3 Stars 3 Stars OUT OF 529 FUNDS Small Growth View Details
Vanguard Small-Cap Value Index Fund Institutional (VSIIX) Equities / Mutual Fund 0.06% / 0.06% -1.58%
-0.76% 18.42% 7.71% 12/07/1999 4 Stars 4 Stars OUT OF 477 FUNDS Small Value View Details
    Average Annual Returns (%)1 as of
3/31/2025
Unless otherwise noted
Morningstar Information
as of 4/30/2025
Name /
Symbol
Asset Class/
Product Type
Net / Gross Expense Ratio Daily YTD 1 YR 5 YR 10 YR
OR SI
Inception Date
Morningstar Overall Ratings
Morningstar Category Performance
TIAA Traditional Annuity - Retirement Choice Guaranteed / TIAA Fixed Annuity -- / -- --
4.59% 4.26% 4.21% 8/01/2005

N/A

0 Stars
0 Stars
View Details
American Funds EuroPacific Growth Fund - R6 (RERGX) Equities / Mutual Fund 0.47% / 0.47% 11.65%
0.34% 9.93% 5.33% 5/01/2009 3 Stars 3 Stars OUT OF 368 FUNDS Foreign Large Growth View Details
CREF Social Choice Account (R4) (QSCCFX)
Multi-Asset / CREF Variable Annuity 0.07% / 0.07%
5.63%
4.78% 9.53%* 6.58%* 9/16/2022
3/01/1990
3 Stars 3 Stars OUT OF 433 FUNDS Moderate Allocation View Details
CREF Stock Account (R4) (QCSTFX)
Equities / CREF Variable Annuity 0.11% / 0.11%
4.98%
5.64% 15.68%* 9.19%* 9/16/2022
7/31/1952
5 Stars 5 Stars OUT OF 94 FUNDS Aggressive Allocation View Details
JPMCB Core Plus Bond Fund CF Shares (JCPC#) Fixed Income / Other Investment 0.25% / 0.25% --
5.77% 1.04% 2.03% 12/27/2017 4 Stars 4 Stars OUT OF 541 FUNDS Intermediate Core-Plus Bond View Details
JPMorgan Large Cap Growth Fund Class R6 (JLGMX) Equities / Mutual Fund 0.44% / 0.50%
0.64%
6.59% 21.29% 16.41% 11/30/2010 5 Stars 5 Stars OUT OF 1027 FUNDS Large Growth View Details
JPMorgan Mid Cap Value Fund Class R6 (JMVYX) Equities / Mutual Fund 0.60% / 0.69%
0.68%
2.54% 17.10% 8.64% 9/09/2016 3 Stars 3 Stars OUT OF 385 FUNDS Mid-Cap Value View Details
MassMutual Mid Cap Growth I (MEFZX) Equities / Mutual Fund 0.66% / 0.67%
-1.40%
-6.31% 11.83% 8.52% 11/15/2010 3 Stars 3 Stars OUT OF 479 FUNDS Mid-Cap Growth View Details
MFS Large Cap Value CIT CT (MFLC#) Equities / Other Investment 0.41% / 0.41% --
6.89% -- 9.01% 6/01/2022

N/A

0 Stars
0 Stars
Large Value View Details
TIAA Real Estate Account (QREARX) Real Estate / TIAA Variable Annuity 0.90% / 0.90%
1.77%
-0.55% 1.10% 3.04% 10/02/1995

N/A

0 Stars
0 Stars
Miscellaneous Sector View Details

A Brokerage Window can offer access to a broad array of investments, such as mutual funds, equities, and exchange traded funds, in your plan. Investment options vary depending on plan type and lineup selection made by your employer/plan.

Please note: For some plans, premium allocations to mutual funds are available. In the event that your selected mutual fund allocations do not meet the fund investment minimums, contributions for your account instead will be transferred to the default money market investment option for your account.

*There are conditions or fee waivers and expirations relevant to the net expense ratios disclosed. Please refer to the fund's most recent prospectus for additional information. It is important to understand that your Plan Sponsor will not monitor the performance of the funds offered through Brokerage Services account and TIAA does not offer investment advice for brokerage assets. Plan participants will bear the risk of investing through the Brokerage account. You should exercise caution and consider seeking professional guidance when investing through a TIAA Brokerage Services Account.

The performance data quoted represents past performance, and is no guarantee of future results. Your returns and the principal value of your investment will fluctuate so that your accumulation units or shares, when redeemed, may be worth more or less than their original cost. Current performance may be lower or higher than the performance quoted above. Performance may reflect waivers or reimbursements of certain expenses. Absent these waivers or reimbursement arrangements, performance results would have been lower. Since Inception performance shown is cumulative for funds that have less than one year of performance history.

TIAA Traditional Annuity and TIAA Stable Return accumulations are credited with interest based on when contributions and transfers are received, and your performance will reflect your pattern of contributions. The returns shown in the table reasonably represent what an individual making level monthly premiums would have historically earned over the time periods. Returns for different time periods are calculated in two steps: monthly performance returns are calculated from an accumulation created by a series of level monthly premiums over the prior 10 years (or the inception date of the product if later), and those monthly returns are linked together to determine historical performance for each of the return periods shown.

For TIAA Access annuities, please click on the prospectus or call 877-518-9161 for contract and underlying fund prospectuses that contain this and other information. Please read the prospectuses carefully before investing. The data displayed above for the TIAA Access Account is based on that of the underlying investments. Please note that with respect to variable annuities, your contributions will be allocated to the underlying investments.

TIAA Stable Value is a guaranteed annuity contract issued by Teachers Insurance and Annuity Association (TIAA), New York, NY 10017. Contributions from different plans are pooled together and deposited in a non-unitized pooled separate account to TIAA. This guaranteed annuity contract is not considered to be an "investment" or "security" under federal securities laws. In addition, the contract provides a guaranteed minimum rate of interest of between 1% and 3% (before deductions for contract fees). Contract fees are described in the annuity contract and are collected on a daily basis. Payment obligations and the fulfillment of the guarantees provided for in the contract in the accumulation phase are supported by the assets in the separate account. If the assets in the separate account are insufficient to meet these obligations, the shortfall is supported by the General Account of TIAA and is therefore subject to TIAA's claims-paying ability. Lifetime annuity payments are provided by TIAA, are subject to TIAA's claims-paying ability, and are not supported by the assets in the separate account. Past interest rates are not indicative of future interest rates. This product is not a mutual fund, variable annuity or bank product. The obligations of TIAA are not insured by the FDIC or any other federal governmental agency. As provided for in the annuity contract, restrictions may apply to certain plan sponsor and/or participant initiated transactions. Please refer to the annuity contract or certificate for further details. Please refer to the TIAA Stable Value profile page for the minimum guaranteed rate.

Consider the investment objectives, risks, charges and expenses carefully before investing. The prospectus contains this and other information. Please select the name of a fund above to go to the Fund Profile page that contains the link to the fund's prospectus. Read the prospectus carefully before investing.

* The performance shown prior to the investment's inception date (first inception date shown) is based on the performance of the investment's older share class (second inception date shown). The performance for these periods has not been restated to reflect the actual expenses of the newer share class. If the actual expenses had been reflected, the performance for these periods would have been different because of differing expenses

1 Investment results shown here are after all applicable investment, administrative, and distribution expenses

The information for Non TIAA-CREF investments herein was obtained from multiple sources: we do not guarantee its accuracy or completeness. Data on TIAA-CREF investments is provided by TIAA-CREF.

Morningstar is an independent service that rates mutual funds and variable annuities.

Morningstar Rating and Morningstar Style Box and category information (if shown) provided by Morningstar, Inc. ©2025 Morningstar, Inc. All Rights Reserved. The information contained herein: (1) is proprietary to Morningstar and/or its content providers; (2) may not be copied or distributed; and (3) is not warranted to be accurate, complete or timely. Neither Morningstar nor its content providers are responsible for any damages or losses arising from any use of this information. Neither TIAA nor its affiliates has independently verified the accuracy or completeness of this information.

The Morningstar Rating™ - or “star rating” - is calculated for managed products (including mutual funds, variable annuity and variable life subaccounts, exchange-traded funds, closed-end funds and separate accounts) with at least a three-year history. Exchange-traded funds and open-ended mutual funds are considered a single population for comparative purposes. The rating is calculated based on a Morningstar Risk-Adjusted Return measure that accounts for variation in a managed product's monthly excess performance, placing more emphasis on downward variations and rewarding consistent performance. The top 10% of products in each product category receive 5 stars, the next 22.5% receive 4 stars, the next 35% receive 3 stars, the next 22.5% receive 2 stars, and the bottom 10% receive 1 star. The weights are: 100% three-year rating for 36-59 months of total returns, 60% five-year rating/40% three-year rating for 60-119 months of total returns, and 50% 10-year rating/30% five-year rating/20% three-year rating for 120 or more months of total returns. While the 10-year overall star rating formula seems to give the most weight to the 10-year period, the most recent three-year period actually has the greatest impact because it is included in all three rating periods. Where applicable, ratings are based on linked performance that considers the differences in expense ratios. The Morningstar Rating™ is for individual share classes only. Other classes may have different performance characteristics.

The information contained in these reports is the proprietary information of Morningstar, Inc., may not be copied or redistributed for any purpose and may only be used for non-commercial, personal purposes. Additionally, Morningstar, Inc. shall not be responsible for investment decisions, damages or other losses resulting from use of this information. Morningstar, Inc. has not granted consent for it to be considered or deemed an 'expert' under the Securities Act of 1933.

Mutual funds and CREF Annuities: When more than one inception date is displayed, the performance shown prior to the investment's inception date (first inception date shown) is based on the performance of the investment's older share class (second inception date shown). The performance for these periods has not been restated to reflect the actual expenses of the newer share class. If the actual expenses had been reflected, the performance for these periods would have been different because of differing expenses.

TIAA Access Accounts: When more than one inception date is displayed, the performance shown for since inception is based on the annuity account inception date (first inception date shown). Performance for periods prior to the annuity account inception date are based on the underlying fund inception date (second inception date shown). Account performance is net of all annuity contract recurring costs such as mortality and expense risk charges and annual administrative fees. Pre-inclusion fund performance is also adjusted for these costs.

Since Inception (SI) returns are provided for funds/accounts with less than 10 years of history. 10 year returns are provided for funds/accounts with greater than 10 years of history. Please click on the fund/account name for more detail.

The Overall Morningstar Rating for a managed product is based on risk adjusted return and is derived from a weighted average of the performance figures associated with its 3-, 5-, and 10-year (if applicable) Morningstar Rating metrics.

Daily Year-to-Date returns for this investment is as of 5/19/2025.

Daily Year-to-Date returns for this investment is as of 5/19/2025.

Daily Year-to-Date returns for this investment is as of 5/19/2025.

Daily Year-to-Date returns for this investment is as of 5/19/2025.

Daily Year-to-Date returns for this investment is as of 5/19/2025.

Daily Year-to-Date returns for this investment is as of 5/19/2025.

Daily Year-to-Date returns for this investment is as of 5/19/2025.

Daily Year-to-Date returns for this investment is as of 5/19/2025.

Daily Year-to-Date returns for this investment is as of 5/19/2025.

Daily Year-to-Date returns for this investment is as of 5/19/2025.

Mutual funds and CREF Annuities: When more than one inception date is displayed, the performance shown prior to the investment's inception date (first inception date shown) is based on the performance of the investment's older share class (second inception date shown). The performance for these periods has not been restated to reflect the actual expenses of the newer share class. If the actual expenses had been reflected, the performance for these periods would have been different because of differing expenses.

TIAA Access Accounts: When more than one inception date is displayed, the performance shown for since inception is based on the annuity account inception date (first inception date shown). Performance for periods prior to the annuity account inception date are based on the underlying fund inception date (second inception date shown). Account performance is net of all annuity contract recurring costs such as mortality and expense risk charges and annual administrative fees. Pre-inclusion fund performance is also adjusted for these costs.

Since Inception (SI) returns are provided for funds/accounts with less than 10 years of history. 10 year returns are provided for funds/accounts with greater than 10 years of history. Please click on the fund/account name for more detail.

The Overall Morningstar Rating for a managed product is based on risk adjusted return and is derived from a weighted average of the performance figures associated with its 3-, 5-, and 10-year (if applicable) Morningstar Rating metrics.

Daily Year-to-Date returns for this investment is as of 5/19/2025.

Daily Year-to-Date returns for this investment is as of 5/19/2025.

Daily Year-to-Date returns for this investment is as of 5/19/2025.

Daily Year-to-Date returns for this investment is as of 5/19/2025.

Daily Year-to-Date returns for this investment is as of 5/19/2025.

Daily Year-to-Date returns for this investment is as of 5/19/2025.

Daily Year-to-Date returns for this investment is as of 5/19/2025.

Daily Year-to-Date returns for this investment is as of 5/19/2025.

Daily Year-to-Date returns for this investment is as of 5/19/2025.

Daily Year-to-Date returns for this investment is as of 5/19/2025.

Mutual funds and CREF Annuities: When more than one inception date is displayed, the performance shown prior to the investment's inception date (first inception date shown) is based on the performance of the investment's older share class (second inception date shown). The performance for these periods has not been restated to reflect the actual expenses of the newer share class. If the actual expenses had been reflected, the performance for these periods would have been different because of differing expenses.

TIAA Access Accounts: When more than one inception date is displayed, the performance shown for since inception is based on the annuity account inception date (first inception date shown). Performance for periods prior to the annuity account inception date are based on the underlying fund inception date (second inception date shown). Account performance is net of all annuity contract recurring costs such as mortality and expense risk charges and annual administrative fees. Pre-inclusion fund performance is also adjusted for these costs.

Since Inception (SI) returns are provided for funds/accounts with less than 10 years of history. 10 year returns are provided for funds/accounts with greater than 10 years of history. Please click on the fund/account name for more detail.

The Overall Morningstar Rating for a managed product is based on risk adjusted return and is derived from a weighted average of the performance figures associated with its 3-, 5-, and 10-year (if applicable) Morningstar Rating metrics.

Daily Year-to-Date returns for this investment is as of --.

Daily Year-to-Date returns for this investment is as of 5/19/2025.

CREF Social Choice Account (R4):

* The performance shown for Classes R1, R2 and R4 that is prior to their respective inception dates is based on the performance of the Accounts' Class R3. The performance for Classes R1 and R2 for periods prior to their inception has not been restated to reflect the current expenses of Classes R1 or R2, which may be higher or lower than Class R3 for the same period. The performance for Class R4 for periods prior to its inception has not been restated to reflect the lower expenses of Class R4. Class R3 is now considered the oldest share class for CREF, previously it was R1.

Expenses (Investment Advisory Expenses, Administrative Expenses, Distribution Expenses (12b-1), Mortality and Expense Risk Charges) are estimated each year based on projected expense and asset levels. Differences between actual expenses and the estimate are adjusted quarterly and are reflected in current investment results.

The Account’s total annual expense deduction appears in the Account's prospectus, and may be different than that shown herein due to rounding. Please refer to the prospectus for further details.

Daily Year-to-Date returns for this investment is as of 5/19/2025.

CREF Stock Account (R4):

* The performance shown for Classes R1, R2 and R4 that is prior to their respective inception dates is based on the performance of the Accounts' Class R3. The performance for Classes R1 and R2 for periods prior to their inception has not been restated to reflect the current expenses of Classes R1 or R2, which may be higher or lower than Class R3 for the same period. The performance for Class R4 for periods prior to its inception has not been restated to reflect the lower expenses of Class R4. Class R3 is now considered the oldest share class for CREF, previously it was R1.

Effective May 1, 2025, the Annuity changed its primary benchmark from CREF Stock Composite Index to MSCI ACWI IMI.

Expenses (Investment Advisory Expenses, Administrative Expenses, Distribution Expenses (12b-1), Mortality and Expense Risk Charges) are estimated each year based on projected expense and asset levels. Differences between actual expenses and the estimate are adjusted quarterly and are reflected in current investment results.

The Account’s total annual expense deduction appears in the Account's prospectus, and may be different than that shown herein due to rounding. Please refer to the prospectus for further details.

Daily Year-to-Date returns for this investment is as of 5/19/2025.

Daily Year-to-Date returns for this investment is as of 5/19/2025.

The Fund’s adviser and/or its affiliates have contractually agreed to waive fees and/or reimburse expenses to the extent Total Annual Fund Operating Expenses (excluding Acquired Fund Fees and Expenses other than certain money market fund fees as described below, dividend and interest expenses related to short sales, interest, taxes, expenses related to litigation and potential litigation, expenses related to trustee elections, and extraordinary expenses) exceed 1.19%, 0.94%, 0.69%, 0.54% and 0.44% of the average daily net assets of Class R2, Class R3, Class R4, Class R5 and Class R6 Shares, respectively. The Fund may invest in one or more money market funds advised by the adviser or its affiliates (affiliated money market funds). These waivers are in effect through 10/31/25, at which time it will be determined whether such waivers will be renewed or revised.

Daily Year-to-Date returns for this investment is as of 5/19/2025.

The Fund’s adviser and/or its affiliates have contractually agreed to waive fees and/or reimburse expenses to the extent Total Annual Fund Operating Expenses (excluding acquired fund fees and expenses other than certain money market fund fees as described below, dividend and interest expenses related to short sales, interest, taxes, expenses related to litigation and potential litigation, expenses related to trustee elections, and extraordinary expenses) exceed 1.35%, 1.10%, 0.85%, 0.70% and 0.60% of the average daily net assets of Class R2, Class R3, Class R4, Class R5 and Class R6 Shares, respectively. The Fund may invest in one or more money market funds advised by the adviser or its affiliates (affiliated money market funds). These waivers are in effect through 10/31/25, at which time it will be determined whether such waivers will be renewed or revised.

Daily Year-to-Date returns for this investment is as of 5/19/2025.

The expenses in the above table reflect a written agreement by MML Advisers to cap the fees and expenses of the Fund (other than extraordinary legal and other expenses, Acquired Fund Fees and Expenses, interest expense, expenses related to borrowings, securities lending, leverage, taxes, and brokerage, short sale dividend and loan expense, or other non-recurring or unusual expenses such as organizational expenses and shareholder meeting expenses, as applicable) through January 31, 2026, to the extent that Total Annual Fund Operating Expenses after Expense Reimbursement would otherwise exceed 0.66%, 0.76%, 0.86%, 0.96%, 1.11%, 1.16%, 1.36%, and 0.76% for Classes I, R5, Service, Administrative, R4, A, R3, and Y, respectively. The Total Annual Fund Operating Expenses after Expense Reimbursement shown in the above table may exceed these amounts, because, as noted in the previous sentence, certain fees and expenses are excluded from the cap.

Daily Year-to-Date returns for this investment is as of 5/19/2025.

Daily Year-to-Date returns for this investment is as of 5/19/2025.

Expenses (Investment Advisory Expenses, Administrative Expenses, Distribution Expenses (12b-1), Mortality and Expense Risk Charges) are estimated each year based on projected expense and asset levels. Differences between actual expenses and the estimate are adjusted quarterly and are reflected in current investment results.

The Account’s total annual expense deduction appears in the Account's prospectus, and may be different than that shown herein due to rounding. Please refer to the prospectus for further details.

Daily Year-to-Date returns for this investment is as of 5/19/2025.

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1As with all mutual funds, the principal value in a target date fund is not guaranteed at any time. Diversification cannot eliminate the risk of investment losses. 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 these funds, there is exposure to the fees and expenses associated with the underlying mutual funds as well. Also, the target date represents an approximate date when investors may plan to begin withdrawals. After the target date has been reached, some of these funds may be merged into a fund with a more stable asset allocation.