Who is TIAA-CREF?
1918
TIAA
Teachers Insurance and
Annuity Association of
America
1952
+
CREF
College Retirement
Equities Fund
We’re dedicated to serving the needs of our participants who serve the good
through their work in the academic, medical, governmental, cultural and
research fields.
5 mil+
16K+
organizations
individuals
95+yrs
experience
$840 billion
in total assets
under management*
* Asset levels as of <9/30/13>
* As of 11/2014. We serve 5 million individuals overall and 3.7 million clients in institutional retirement plans.
** As of 11/14
Defined Contribution Plan:
If you elect to enroll with TIAA-CREF:
Contributions:
Employee = 3.33% on the first $4,800, then 5%
UNI = 6.66% on the first $4,800, then 10%
IMMEDIATELY VESTED IN ALL CONTRIBUTIONS!
Contributions are allocated to the appropriate age-based TIAA-CREF
Lifecycle fund as a default.
Your estate is the designated beneficiary as a default.
It is important to update your allocation and your beneficiary designation.
You bear the investment risk which can result in higher or lower balances. Investing in securities involves risk including
loss of principal.
This slide highlights only some features of the plan. Please consult the respective plan documents for a more complete
description. In the event of any inconsistency between this summary and the plan documents, the plan documents
will govern.
Asset Allocation
Two ways to allocate your portfolio
1. Choose a Lifecycle Fund — One-step investment choice (default)
2. Create your own — Active Investing - customize your allocation to
your preferences
 Asset Allocation Evaluator at tiaa-cref.org.
 Complete the Risk Tolerance Questionnaire.
 Select the investment choices based on the asset classes in the
portfolio and your individual risk profile.
 Let us help you design a portfolio that’s right for you.
One-step investing
Professional managers adjust the fund’s asset allocation
Fixed-income Funds
Equities and Real Estate Securities Funds
The chart is only a visual representation of the lifecycle fund fixed-income and equity percentages. Please refer to the prospectus for the funds for more details on
asset allocation for each of the target date funds.
As with all mutual funds, the principal value of a lifecycle fund isn’t guaranteed. Also, please note that the lifecycle fund represents an approximate date when
investors may plan to begin withdrawing from the fund. After the lifecycle fund has been reached, some of these funds may be merged into a fund with a more
stable asset allocation. However, there is no need to withdraw the funds at that lifecycle fund .
Asset Allocation
Lifecycle Funds provide age-appropriate allocations
2010 Fund
2015 Fund
2020 Fund
2025 Fund
2030 Fund
2035 Fund
2040 Fund
2045 Fund
2050 Fund
2055 Fund
2060 Fund
2065 Fund
Fixed-income Funds
Equities Funds
As with all mutual funds, the principal value of a Lifecycle Fund isn’t guaranteed. Also, please note that
the target date of the Lifecycle Fund is an approximate date when investors may plan to begin withdrawing
from the fund. Approximately seven to ten years after a Lifecycle Fund’s target date, the fund may merge
into the Lifecycle Retirement Income Fund or a similar fund.
The charts are only visual representations of the target date, fixed income and equity percentages. Please refer to the prospectus for the funds for more details on
asset allocation for each of the target date funds.
TIAA-CREF 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 as well.
Active investing
 Use your own selections from the plan’s
investment options
 Use the Asset Allocation Evaluator at
www.tiaa-cref.org/tools
 Work with a TIAA-CREF Financial Consultant
Allocating your portfolio
Understand your…
 Investment goals
 Time horizon
 Risk tolerance
 Investment preferences
 Diversification
Consider…
 Inflation
 Less than anticipated returns
“Build Your Own Portfolio” strategy
 Complete the Risk Tolerance Questionnaire
 Select the investment choices based on the asset
classes and risk profile
 Manage and control your accounts as you like
 Revisit the Risk Tolerance Questionnaire if you have
life-changing events that may impact your comfort level
Diversify your portfolio
What is diversification?
 Spreads risk among different
asset classes
 May reduce overall
portfolio volatility*
 Asset class performance varies
Non-Equities
Equities
 Diversify…
 Across Asset Classes
 Within Asset Classes
* Diversification is a technique to help reduce risk. There is no guarantee that diversification will protect against a loss. Please keep in mind that there are risks
associated with investing in securities including loss of principal.
Allocate assets instead of timing the market
Allocation strategies with
TIAA-CREF Annuity Accounts
Real Estate
Money Market
Fixed Income
High
Guaranteed
Equities
CREF Growth
CREF Equity Index
CREF Global
Equities
CREF Stock
Risk level
TIAA Real Estate
CREF Social
Choice Equities
CREF Bond Market
Low
Inflation-Linked
Bond
*
TIAA
Traditional
Annuity*
CREF Money
Market**
Guarantees based upon TIAA’s claims-paying ability. TIAA Traditional is a guaranteed insurance contract and not an investment for Federal Securities
Law purposes.
** NOTE: An investment in the CREF Money Market Account is not insured or guaranteed by the Federal
Deposit Insurance Corporation or any other government agency.
Annuity account options are available through contracts issued by TIAA or CREF. These contracts are designed for retirement or other long-term goals, and
offer a variety of income options, including lifetime income. Payments from the variable annuity accounts are not guaranteed and will rise or fall based on
investment performance.
Get personalized retirement plan advice from a
TIAA-CREF Financial Consultant at no additional cost!
 Receive objective and personalized recommendations
 Determine if you’re saving enough to achieve your goals
 Choose the appropriate investment mix
 Consolidate assets, where appropriate, to better manage your
portfolio
Withdrawal and Income Options
Taking income with TIAA-CREF
An Array of Flexibility and Choice*
Life Annuity
Cash Or
Systematic
Withdrawals**
TIAA
Interest Only
(RA only)
Fixed Period
Annuities***
Minimum
Distribution
Option at
70 1/2
* Income option availability is subject to your institution’s plan provisions and contract type.
** If you have an RA contract, the TIAA annuity contract does not allow lump-sum cash withdrawals from the TIAA. If you have an RA contract, the TIAA
annuity contract does not allow lump-sum cash withdrawals from the TIAA Traditional Annuity and transfers must be spread over a ten-year period. If
you have a GRA contract, lump-sum withdrawals are available from the TIAA Traditional Annuity only within 120 days after termination of employment
and are subject to a surrender charge. All other withdrawals and all transfers to the Real Estate Account or to CREF must be spread over a ten-year
period (five years for withdrawals after termination of employment).
*** Traditional Annuity and transfers must be spread out in ten payments over a nine-year period. If you have a GRA or Retirement Choice (RC) contract,
lump-sum withdrawals are available from the TIAA Traditional Annuity only within 120 days after termination of employment and are subject to a
surrender charge. All other withdrawals and all transfers to the Real Estate Account or to CREF must be spread over a ten-year period (five years for
withdrawals after termination of employment) for GRA and an 84-month (7 year) period for RC.
Sign up for your plan today
 No One Can Make This Decision For You
 If you choose the defined contribution plan, it’s easy to sign up with
TIAA-CREF.
 If you’re still undecided, please let us know how we can help. We
can give you the guidance and information you need to help make
your decision.
 Remember, you have only 30 days from your hire date to decide!
 Remember, your decision is irrevocable.
To enroll with TIAA-CREF, complete the Retirement Benefit Election form
AND enroll on-line via this micro site.
www.tiaa-cref.org/uni
Online tools to help you plan for retirement
Retirement Advisor
Recommends a portfolio of investments in just a few minutes to help you
develop a portfolio that fits your investment style
Retirement Income Planner
Shows the different income options when approaching retirement and
what they might look like.
Maximize tax deferral calculators
Shows you how to take full advantage of your
retirement plan contributions
Visit tiaa-cref.org/uni for these and additional
tools to help you effectively save for retirement
Common Questions
 Can I roll money from a previous employer into this plan?
 What if I had TIAA-CREF at a previous institution?
 Do I need to do anything?
 What if I want to save more than what the University and I are
contributing?
 Can I change my investment options?
 How often?
 Can I change them on my own?
 How often should I meet with TIAA-CREF?
Keep in touch with TIAA-CREF
Become a Fan
Follow us on
Facebook.com/TIAA-CREF
Twitter.com/TC_Talks
Join your peers in
redefining retirement
iTunes podcasts
iPhone App
For an appointment, call the local
TIAA-CREF office:
319-356-8000
327 2nd St., Suite 350
Coralville, IA 52241
Nat’l Call Center: 800-842-2252
TIAA-CREF products may be subject to market and other risk factors.
See the applicable product literature, or visit tiaa-cref.org for details.
Investment products, insurance products and annuity products: are not
FDIC insured, are not bank guaranteed, are not bank deposits, are not
insured by any federal government agency, are not a condition to any
banking service or activity, and may lose value.
You should consider the investment objectives, risks, charges and
expenses carefully before investing. Please call 877 518-9161 or visit
www.tiaa-cref.org/prospectuses for a prospectus that contains this and
other information. Please read the prospectus carefully before
investing.
TIAA-CREF Individual & Institutional Services, LLC and Teachers Personal Investors
Services, Inc., members FINRA, distribute securities products. Annuity contracts and
certificates are issued by Teachers Insurance and Annuity Association (TIAA) and College
Retirement Equities Fund (CREF), New York, NY.
.
tiaa-cref.org
© 2013 Teachers Insurance and Annuity Association – College Retirement Equities Fund (TIAA-CREF), 730 Third Avenue, New York, NY 10017
C7734