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As you chart your
course for retirement,

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it’s a good idea to keep
some basics on your radar.

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Like lifetime income,

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so you know you can rely on a stream
of income once you stop working.

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Investment diversification,
to help mitigate your risks.

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And flexibility,

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so you can choose when and how to turn
your retirement investment into income.

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The CREF Stock Account helps
deliver on all of these.

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Launched in 1952 this account was the
first variable annuity in history.

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And today, it remains at the core
of many TIAA retirement plans.

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The CREF Stock Account offers you
the opportunity to turn your savings

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into lifetime income
once you retire.

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It provides you with exposure to globally
diversified equities within one account…

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covering multiple investment
management strategies,

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an array of securities
based asset classes

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and exposure around the
world in 68 industries.

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Once you retire, you
have income choices,

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including lifetime payments that may
adjust to help keep pace with inflation,

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lump-sum withdrawals, and more.

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And costs associated with
the CREF Stock Account

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are generally less than half the
mutual fund industry average.*

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With all that the CREF
Stock Account offers,

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it’s no surprise that
millions of people rely on it

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to help plan for
lifetime income.

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Learn more about how TIAA can
help you navigate retirement

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with the CREF Stock Account.

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You should consider the
investment objectives,

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risks, charges and expenses
carefully before investing.

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Please call 877-518-9161

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or log in to TIAA.org for
product and fund prospectuses

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that contain this and
other information.

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There are risks associated
with investing in securities

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including possible
loss of principal.

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Please read the prospectuses
carefully before investing.