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A Simplified "One Decision" Strategy for Investing

The TIAA-CREF Lifecycle Funds offer a convenient solution for investors who prefer to have their retirement investments professionally managed using a strategically-developed, disciplined approach.

What we offer
TIAA-CREF Lifecycle Funds are managed to target the retirement years of 2010 through 2050 in five-year increments. Simply select the Lifecycle Fund that's closest to the year you expect to retire. We also offer a Retirement Income Fund, which provides you with asset allocation management throughout your retirement years.

Actual fund allocations may differ at the time of investment.

All you need to do
Move the orange box in the tool above to select the number of years until you plan to retire and the tool will provide a Lifecycle Fund that may be right for you.

What are the benefits?
By investing in a selection of TIAA-CREF Funds, whose underlying investments include stocks and bonds, each Lifecycle Fund provides a diversified portfolio whose asset allocation dynamically adapts over time to help meet investment objectives consistent with an investor’s planned retirement date.

These funds are professionally managed, relieving your need to make complicated investment, portfolio allocation and adjusting decisions as your time horizon changes.

How to invest in a Lifecycle Fund

IRAs

Employer-Sponsored Retirement Plans
Availability is subject to your institution's rules. If the Lifecycle Funds do not appear as an option in your account, your institution has not yet adopted them.

The Lifecycle Funds share the risks associated with the types of securities held by each of the underlying funds in which they invest, including market risk, company risk, foreign investment risks, interest-rate risk, credit risk, illiquid security risk, prepayment risk and extension risk. For a detailed discussion of risk, consult the prospectus.

Lifecycle Fund Profiles

Invest In a Lifecycle Fund

IRAs

Employer-Sponsored Retirement Plans
Availability is subject to your institution's rules.
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