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0001 index
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0002 index
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0003disp_plan_details index
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  • Find out more about the retirement plans available at {{SD:SubsidiaryName}}
0004disp_inv_opt_changes index
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  • Find out more about important changes to the investment options offered under the plans
<% end if %>
0005 index
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Log in and Access My Account at tiaa-cref.org
0006is_srsp index
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srsp
 

TIAA-CREF has partnered with {{SD:SubsidiaryName}} to help you prepare for your retirement. For more almost 90 years, we have been helping millions of people in the academic, medical, research and cultural fields plan for retirement. We offer you options to tailor your plan to your investment style and goals.
0007is_not_srsp index
MainContent1
not_srsp
 

TIAA-CREF is pleased to help the employees of {{SD:SubsidiaryName}} plan for retirement. For more almost 90 years, we have been helping millions of people in the academic, medical, research and cultural fields plan for retirement. We offer you options to tailor your plan to your investment style and goals.
0008 index
MainContent2
 
Life can be complicated, but planning for retirement doesn't have to be. To help you plan for your goals, we offer:
  • Sound guidance. Speak with a TIAA-CREF Consultant for answers that make sense for you.
  • Retirement choices that suit your style.
    0009is_lifecycle_funds_available index
    MainContent3
     
  • A simplified "one decision" strategy. You pick one from a series of new Lifecycle Funds targeted to your expected year of retirement.
  • 0010 index
    MainContent4
     
  • A "Build your own portfolio" strategy. You create your own long-term portfolio from a wide range of investment choices. You can refer to sample portfolios showing various risk tolerance levels.
  • Low cost. TIAA-CREF is committed to keeping costs low, with expenses that are among the lowest in the variable annuity and mutual funds industries1.
  • Top ratings. For its stability, sound investments, claims-paying ability, and overall financial strength, TIAA is one of only four companies to hold top ratings from the four leading insurance ratings agencies: A.M. Best Co. (6/2006), Fitch (3/2006), Moody's Investors Service (3/2006) and Standard & Poor's (6/2006). Ratings apply to TIAA Traditional only, not to CREF and TIAA Real Estate Accounts. The ratings do not apply to the performance and safety of the variable accounts.
  • 0011is_auto_enroll_no index
    MainContent5
     
    If you are new to the {{SD:SubsidiaryName}} Retirement Plans, you must first enroll to take advantage of these investment strategies.
    0012is_new_funds_not_multiplan index
    MainContent6
    not_multiplan
     
    If you are a current participant in the plan, check out our investment choices to see the new funds available to you.
    0013is_new_funds_multiplan index
    MainContent6
    multiplan
     
    If you are a current participant in one or more of the plans, check out our investment choices to see the new funds available to you.
    0014 index
    footer
     
    1 Source: Morningstar DatalabTM Charting Tool Report Peer Group Analysis [February 2005] based on Morningstar expense comparisons by category.

    C36413

    Retirement Annuity (RA) Contract Form Series 1000.24
    Group Retirement Annuity (GRA) Contract Form Series G-1000.4 and G-1000.5
    Supplemental Retirement Annuity (SRA) Contract Form Series 1200.8
    Group Supplemental Retirement Annuity (GSRA) Contract Form Series 1250.01 (not available in all states)
    Group Annuity (GA) Contract Form Series 6008.8
    Retirement Choice Annuity contract IGRS-01-84.
    Retirement Choice Annuity certificate IGRS-CERT1-84.

    plans_home

    0015 plans_home
    Title
     
    Plan Details
    0016is_not_multiplan plans_home
    Content1
    not_multiplan
     
    There are many things you need to know about the {{PD:PlanMarketingName}} including eligibility requirements, vesting schedules, and loan features. Select any of the links on the right to learn more.
    0017is_multiplan plans_home
    Content1
    multiplan
     
    Select from the retirement plans listed at the right to learn more about those that are available to you.

    plan_det_home

    0018 plan_det_home
    Title
     
    Plan Details
    0019 plan_det_home
    MainContent1
     
    There are many things you need to know about the {{PD:PlanMarketingName}} including eligibility requirements, vesting schedules, and loan features. Select any of the links on the right to learn more.

    If you have further questions, contact your institution.

    plan_det_elig

    0020 plan_det_elig
    Title
     
    Eligibility
    0021 plan_det_elig
    SubTitle
     
    {{PD:PlanMarketingName}}
    0022elig_custom plan_det_elig
    MainContent1
    custom
     
    {{PD:ELIGIBILITY_CUSTOM_TEXT}}
    0023elig_default plan_det_elig
    MainContent1
    contact
     
    To obtain eligibility information regarding this plan, contact your institution.
    0024elig_standard plan_det_elig
    MainContent1
    immediate
     
    You are eligible to participate immediately in this plan.
    0025elig_immediate_no plan_det_elig
    MainContent1
    not_immediate
     
    To obtain eligibility information regarding this plan, contact your institution.

    plan_det_contr

    0026 plan_det_contr
    Title
     
    Contributions
    0027 plan_det_contr
    SubTitle
     
    {{PD:PlanMarketingName}}
    0028contr_choice_custom plan_det_contr
    MainContent1
    custom
     
    {{PD:CONTRIBUTION_CUSTOM_TEXT}}
    0029contr_choice_default plan_det_contr
    MainContent1
    contact
     
    To obtain contribution information regarding this plan, contact your institution.
    0030contr_choice_employer plan_det_contr
    MainContent1
    employer_only
     
    This plan allows only employer contributions.
    0031contr_choice_employee plan_det_contr
    MainContent1
    employee_only
     
    This plan allows only employee contributions.
    0032contr_choice_both plan_det_contr
    MainContent1
    both
     
    This plan allows you to make contributions in addition to those made by {{SD:SubsidiaryName}}.
    0033457b_avail plan_det_contr
    MainContent3
     
    You may contribute the maximum amount permissible to both the 457(b) and your {{PD:PlanMarketingName}}. If your employer offers more than one plan for making employee contributions, you may increase the amount you save on a tax-deferred basis.

    plan_det_emp_match

    0034 plan_det_emp_match
    Title
     
    Employer Matching
    0035 plan_det_emp_match
    SubTitle
     
    {{PD:PlanMarketingName}}
    0036emp_match_choice_custom plan_det_emp_match
    MainContent1
    custom
     
    {{PD:EMPMATCH_CUSTOM_TEXT}}
    0037emp_match_choice_default plan_det_emp_match
    MainContent1
    contact
     
    For more information about the employer match provisions under this plan contact your institution.
    0038emp_match_choice_fix_dollar plan_det_emp_match
    MainContent1
    fixed_dollar
     
    {{SD:SubsidiaryName}} will match ${{PD:EMPLOYER_MATCH_AMT}} of your contribution to the plan each year.
    0039emp_match_choice_fix_percent plan_det_emp_match
    MainContent1
    fixed_percent
     
    {{SD:SubsidiaryName}} will match up to {{PD:EMPLOYER_MATCH_PCT}}% of your contribution to the plan each year.
    0040emp_match_choice_variable plan_det_emp_match
    MainContent1
    variable
     
    {{SD:SubsidiaryName}} will match your contributions according to the following schedule:
    0041list_emp_match_schedule plan_det_emp_match
    MainContent1b
    variable_table_row
     
    {{EMPLOYER_MATCH_YRS}}{{EMPLOYER_MATCH_PCT}}%
    0042emp_match_choice_no_match plan_det_emp_match
    MainContent1
    no_match
     
    {{SD:SubsidiaryName}} does not make matching contributions with this plan.

    plan_det_vest

    0043 plan_det_vest
    Title
     
    Vesting
    0044 plan_det_vest
    SubTitle
     
    {{PD:PlanMarketingName}}
    0045vesting_schedule_custom plan_det_vest
    MainContent1
    custom
     
    {{PD:VESTING_CUSTOM_TEXT}}
    0046vesting_schedule_default plan_det_vest
    MainContent1
    contact
     
    For more information about the vesting schedule for this plan, contact your institution.
    0047vesting_schedule_immediate plan_det_vest
    MainContent1
    vested_immed
     
    "Vesting" refers to employees' right, usually earned over time, to receive some retirement benefits regardless of whether or not they remain with the employer. Your contribution to this account will be 100% vested immediately.
    0048vesting_schedule_not_immediate plan_det_vest
    MainContent1
    vesting_schedule
     
    "Vesting" refers to employees' right, usually earned over time, to receive some retirement benefits regardless of whether or not they remain with the employer. You will be vested in the employer contributions according to the following schedule:
    0049vesting_schedule_sched1 plan_det_vest
    MainContent2
    vesting_sched1_title
     
    Schedule 1
    0050list_vesting_schedule_sched1 plan_det_vest
    MainContent3
    vesting_sched1_list
     
  • After {{VESTING_SCHED_YRS}} years you are {{VESTING_SCHED_PCT}}% vested
  • 0051vesting_schedule_sched2 plan_det_vest
    MainContent4
    vesting_sched2_title
     
    Schedule 2
    0052list_vesting_schedule_sched2 plan_det_vest
    MainContent5
    vesting_sched2_list
     
  • After {{VESTING_SCHED_YRS}} years you are {{VESTING_SCHED_PCT}}% vested
  • 0053vesting_schedule_sched3 plan_det_vest
    MainContent6
    vesting_sched3_title
     
    Schedule 3
    0054list_vesting_schedule_sched3 plan_det_vest
    MainContent7
    vesting_sched3_list
     
  • After {{VESTING_SCHED_YRS}} years you are {{VESTING_SCHED_PCT}}% vested
  • 0055vesting_schedule_sched4 plan_det_vest
    MainContent8
    vesting_sched4_title
     
    Schedule 4
    0056list_vesting_schedule_sched4 plan_det_vest
    MainContent9
    vesting_sched4_list
     
  • After {{VESTING_SCHED_YRS}} years you are {{VESTING_SCHED_PCT}}% vested
  • 0057vesting_schedule_sched5 plan_det_vest
    MainContent10
    vesting_sched5_title
     
    Schedule 5
    0058list_vesting_schedule_sched5 plan_det_vest
    MainContent11
    vesting_sched5_list
     
  • After {{VESTING_SCHED_YRS}} years you are {{VESTING_SCHED_PCT}}% vested
  • plan_det_invest

    0059 plan_det_invest
    Title
     
    Investments
    0060 plan_det_invest
    SubTitle
     
    {{PD:PlanMarketingName}}
    0061is_fund_lineup_different plan_det_invest
    MainContent1
    fund_lineup_different
     
    {{SD:SubsidiaryName}} offers you a variety of investment choices from an array of asset classes, which can help you diversify your retirement portfolio.
    0062is_fund_lineup_common plan_det_invest
    MainContent1
    fund_lineup_common
     
    {{SD:SubsidiaryName}} offers you a variety of investment choices from an array of asset classes, which can help you diversify your retirement portfolio.

    plan_det_exp

    0063 plan_det_exp
    Title
     
    Expenses
    0064 plan_det_exp
    SubTitle
     
    {{PD:PlanMarketingName}}
    0065 plan_det_exp
    MainContent1
     
    Expenses vary from investment to investment. To learn more about these expenses, go to the Investment Choices page, select an asset class, and then click on the name of the investment you would like to learn more about.

    plan_det_distr

    0066 plan_det_distr
    Title
     
    Distributions
    0067 plan_det_distr
    SubTitle
     
    {{PD:PlanMarketingName}}
    0068distribution_option_custom plan_det_distr
    MainContent1
    custom
     
    {{PD:DISTRIBUTION_CUSTOM_TEXT}}
    0069distribution_option_default plan_det_distr
    MainContent1
    contact
     
    For more information about the distribution options available to you, contact your institution.
    0070distribution_option_standard plan_det_distr
    MainContent1
    standard
     
    When it's time to decide how to take income from your {{PD:PlanMarketingName}}, you have a variety of options*:
      0071show_59_and_half plan_det_distr
      MainContent2
       

    • 59 in Service - You generally can withdraw funds, attributable to elective deferrals, from your account while still employed once you have reached age 59.The amount you can withdraw is subject to your plan's rules.
    • 0072show_59_and_half_ben_off plan_det_distr
      MainContent2a
       
      0073display_direct_transfer plan_det_distr
      MainContent3
       


    • 90-24 Transfer - You can directly transfer your 403(b) funds from one approved financial provider to another under your employer's retirement plan, or to another 403(b) annuity contract or mutual fund under another plan, as your plan and contract permit. This transfer is not considered a taxable distribution.
    • 0074display_disability plan_det_distr
      MainContent4
       


    • Disability - As permitted by your plan, you can withdraw elective deferrals and earnings from your retirement plan while employed by your institution but not working due to a disability. To qualify you must be totally and permanently disabled, and the deferrals and earnings must have been credited to your plan on or after January 1, 1989. Disability withdrawals are not subject to the 10% IRS penalty on withdrawals prior to age 59.
    • 0075display_fixed_period_annuity plan_det_distr
      MainContent5
       


    • Fixed Period - You can choose to receive income for a set period of two to 30 years, depending on the terms of our contract and your plan's rules (and not to exceed your life expectancy). Payments stop at the end of the period, during which you will have received all your principal and earnings.
    • 0076display_fixed_period_annuity_ben_off plan_det_distr
      MainContent5a
       
      0077display_hardship plan_det_distr
      MainContent6
       


    • Hardship Distribution - If your plan permits, you can withdraw your elective deferrals (but not earnings) due to financial hardship while still employed. Generally, you must show an immediate, significant need that cannot be met with other resources, including loans from your retirement plan.
    • 0078display_interest_option_55 plan_det_distr
      MainContent7
       


    • Interest Only - You can receive the current interest earned on your TIAA Traditional Account in monthly payments. Your principal remains intact while you receive the interest. (Note: These payments are generally available to individuals between ages 55 and 70 when minimum distributions are required.)
    • 0079display_lifetime_annuity plan_det_distr
      MainContent8
       


    • Lifetime Retirement Income


      • One-life annuity - provides income for as long as you live.

      • Two-life annuity - provides lifetime income for you and an annuity partner (your spouse or someone else you name) for as long as either of you live.

      • One- or two-life annuity with guaranteed period - guarantees income for up to 20 years, as long as the period you choose does not exceed your life expectancy. It ensures that income continues to go to your beneficiaries if you (one-life annuity) or both you and your annuity partner (two-life annuity) die before the end of the guaranteed period for the remainder of the guaranteed period.
    • 0080display_limited_periodic plan_det_distr
      MainContent9
       


    • Limited Periodic Option - If you're over age 55, you can withdraw as cash up to 7% of your holdings in the CREF and TIAA Real Estate accounts (currently available only in plans funded with TIAA-CREF group retirement annuity [GRA] contracts that don't allow CREF cash).
    • 0081display_lump_sum plan_det_distr
      MainContent10
       


    • Lump Sum - You can withdraw all or part of your account in a single cash payment, depending on your plan rules and the terms of your contracts. (Your right to a lump-sum distribution from your TIAA Traditional Account may be restricted to taking 10 annual payments under those terms).
    • 0082display_lump_sum_ben_off plan_det_distr
      MainContent10a
       
      0083display_mdo plan_det_distr
      MainContent11
       


    • Minimum Distribution Option - Generally, you must begin taking minimum withdrawals from your account by April 1 following the year in which you turn age 70 or retire, whichever is later. This can help you defer the minimum required distribution while keeping you in compliance with federal regulations.
    • 0084display_other_in_service plan_det_distr
      MainContent12
       


    • Other in Service - If your plan permits, you can withdraw cash from your account while still employed by your institution, but you generally must meet an IRS-defined "triggering event," such as attainment of age 59 , to qualify.
    • 0085display_retirement_loan plan_det_distr
      MainContent13
       


    • Retirement Loan - Some retirement plans allow you to borrow funds from your account. Generally, under the Internal Revenue Code the maximum loan allowed from all your employer's plans is up to $50,000 or 50% of your vested accumulation, whichever is less. (This may be further limited by the terms of your contract.) Borrowing funds from your retirement plan is a nontaxable event as long as you repay your loan in full.
    • 0086display_rollover plan_det_distr
      MainContent14
       


    • Rollover - If you have had an IRS-defined "triggering event," and your plan allows withdrawals, you can roll over your accumulations to another retirement plan that will accept them or to an Individual Retirement Account (IRA). Direct rollovers -- from one account to another -- are nontaxable and not reported as income to the federal government. Your plan's rules specify when you are eligible for a distribution.
    • 0087display_rollover_ben_off plan_det_distr
      MainContent14a
       
      0088display_rtb plan_det_distr
      MainContent15
       


    • Retirement Transition Benefit - If your contract allows, you can withdraw, in cash, up to 10% of your accumulation at the beginning of a conversion to lifetime annuity income. The amount you withdraw will reduce your lifetime annuity income accordingly.
    • 0089display_benficiary_death_benefit plan_det_distr
      MainContent16
       


    • Single-Sum Death Benefit - A set amount your beneficiary(ies) will receive from your retirement account if you die before taking income.
    • 0090display_minimum_distr_70_and_half plan_det_distr
      MainContent17
       


    • Small-Sum Distribution - If your plan doesn't otherwise allow cash distributions, upon separation from service you can withdraw your entire retirement savings if your TIAA Traditional Account value does not exceed $2,000 and your overall account balance is below a limit set by your employer's plan (typically $4,000). If your plan does allow cash distributions, upon separation you may be able to withdraw your TIAA Traditional accumulation if the value does not exceed $2,000.
    • 0091display_minimum_distr_70_and_half_ben_off plan_det_distr
      MainContent17a
       
      0092display_systematic_withdrawal plan_det_distr
      MainContent18
       


    • Systematic Withdrawals - If your plan allows, you can choose to receive regular income payments (minimum $100) on a semimonthly, monthly, quarterly, semiannual or annual basis. You can increase, decrease or suspend the payments at any time. (Note: These withdrawals are not available from TIAA Traditional Account balances.)
    • 0093display_cash_withdrawal plan_det_distr
      MainContent19
       


    • TPA to Cash - If your plan allows, you can withdraw your TIAA Traditional Account accumulation through a Transfer Payout Annuity (TPA) in 10 approximately equal annual payments. A lump-sum payment, subject to a surrender fee, may be available depending on your plan rules and the terms of your contract.
    • 0094display_cash_withdrawal_ben_off plan_det_distr
      MainContent19a
       
      0095distribution_option_standard plan_det_distr
      MainContent20
       

      * The availability of certain distributions may depend on the type of contract underlying your plan. Also, if you're married, your right to choose an option may be subject to your spouses right to survivor benefits.
      0096display_benefits_office plan_det_distr
      MainContent20a
       
      0097distribution_option_standard plan_det_distr
      MainContent21
       
      Your {{PD:PlanMarketingName}} is designed to provide you with income throughout your retirement. Leaving money in your account may allow the funds to grow on a tax-deferred basis.

      The {{PD:PlanMarketingName}} allows you to receive a cash withdrawal. This may be restricted by the terms of your TIAA-CREF contracts Taxes and penalties may apply.
      0098display_partial_payments plan_det_distr
      MainContent22
       
      If you're married, you may be required to get spousal consent to receive any distribution option other than a qualified joint and survivor annuity.
      0099distribution_option_standard plan_det_distr
      MainContent23
       
      C35711

      plan_det_tax

      0100 plan_det_tax
      Title
       
      Taxation
      0101 plan_det_tax
      SubTitle
       
      {{PD:PlanMarketingName}}
      0102taxation_choice_custom plan_det_tax
      MainContent1
      custom
       
      {{PD:TAXATION_CUSTOM_TEXT}}
      0103taxation_choice_default plan_det_tax
      MainContent1
      contact
       
      Contact your HR Office for more information
      0104is_retirement_plan_avail plan_det_tax
      SubHeading1
      retirement
       
      Retirement Plans
      0105is_retirement_plan_avail plan_det_tax
      MainContent1a
      retirement
       
      Retirement plan contributions are usually made with before-tax dollars so Federal income taxes are deferred until you begin taking withdrawals later on.

      No taxes are due on pre-tax contributions and earnings made until the money is withdrawn, but because these plans are intended primarily for retirement, you can generally withdraw funds only after termination of employment or age 59 (subject to plan rules). If you withdraw funds before age 59 , they may be subject to an additional 10% early-withdrawal penalty.
      0106make_after_tax_contr plan_det_tax
      MainContent2
      retirement_after_tax_yes
       
      In limited instances when you are making contributions to your retirement plan with after-tax dollars, you will not have to pay income tax on your principal. However, when monies are withdrawn, taxes may be applicable to any earnings and interest accrued.
      0107is_retirement_plan_avail plan_det_tax
      MainContent3
      retirement
       
      For additional information and guidance, contact your tax advisor.
      0108is_supplemental_plan_avail plan_det_tax
      SubHeading2
      supplemental
       
      Supplemental Plans
      0109is_supplemental_plan_avail plan_det_tax
      MainContent4
      supplemental
       
      Because you make contributions with pre-tax dollars, Federal income taxes are deferred on supplemental plans until you begin taking withdrawals later on.

      No taxes are due on contributions and earnings until the money is withdrawn, but because these plans are intended primarily for retirement, you can generally withdraw funds only after termination of employment or age 59 (subject to plan rules). If you withdraw funds before age 59 , they may be subject to an additional 10% early-withdrawal penalty.

      For additional information and guidance, contact your tax advisor.
      0110is_contr_type_457b plan_det_tax
      SubHeading3
      457b
       
      457b Plan
      0111is_contr_type_457b plan_det_tax
      MainContent5
      457b public
       
      Because you make contributions with pre-tax dollars, Federal income taxes are deferred on supplemental plans until you begin taking withdrawals later on.

      No taxes are due on contributions and earnings until the money is withdrawn, but because these plans are intended primarily for retirement, you can generally withdraw funds only after termination of employment (subject to plan rules).

      For additional information and guidance, contact your tax advisor.

      plan_det_loans

      0112 plan_det_loans
      Title
       
      Loans
      0113 plan_det_loans
      SubTitle
       
      {{PD:PlanMarketingName}}
      0114loan_choice_custom plan_det_loans
      MainContent1
      custom
       
      {{PD:LOAN_CUSTOM_TEXT}}
      0115loan_choice_default plan_det_loans
      MainContent1
      contact
       
      To obtain loan information regarding this plan, contact your institution.
      0116is_loan_allowed plan_det_loans
      MainContent1
      loan_allowed
       
      Loans are available from a minimum of $1,000 to a maximum of $50,000 from each employer. How much you can borrow depends on the amount you currently have in the plan and whether you have other outstanding loans. If you have accumulations in other employer's plans, you may be able to transfer or roll them over to the {{PD:PlanMarketingName}} to increase your maximum loan amount if {{PD:PlanMarketingName}} accepts rollovers.
      0117is_loan_not_allowed plan_det_loans
      MainContent1
      loan_not_allowed
       
      {{PD:PlanMarketingName}} does not offer a loan feature for this plan.

      inv_opt_home

      0118 inv_opt_home
      Title
       
      INVESTMENT CHOICES
      0119 inv_opt_home
      SubHeading1
       
      A broad array of investment choices
      0120is_not_multiplan inv_opt_home
      MainContent1
      multi_plan_no
       
      At TIAA-CREF, we believe in investment strategies that can help our investors prepare for their retirement.

      In keeping with our long-term investment philosophy and commitment to you, we have consistently pursued a policy of managing risk through diversification. We believe this is essential in helping you work toward achieving your ultimate financial and savings goals.

      Over many years, this practice has proved successful through market fluctuations, changing economic trends and technological innovation. Note that diversification is no guarantee of protection against loss.

      Your {{PD:PlanMarketingName}} offers an array of investment options across a broad range of categories. Refer to the asset class heading at right.
      0121is_fund_lineup_different_multi inv_opt_home
      MainContent1
      fund_lineup_different
       
      At TIAA-CREF, we believe in investment strategies that can help our investors to prepare for their retirement.

      In keeping with our long-term investment philosophy and commitment to you, we have consistently pursued a policy of managing risk through diversification. We believe this is essential in helping you work toward achieving your ultimate financial and savings goals.

      Over many years, this practice has proved successful through market fluctuations, changing economic trends and technological innovation. Note that diversification is no guarantee of protection against loss.

      Refer to the plans to the right to learn more about the asset classes available for each plan. Since each plan offers a different fund lineup, it is important that you review each plan and its investment options carefully.
      0122is_fund_lineup_common_multi inv_opt_home
      MainContent1
      fune_lineup_common
       
      At TIAA-CREF, we believe in investment strategies that can help our investors prepare for their retirement.

      In keeping with our long-term investment philosophy and commitment to you, we have consistently pursued a policy of managing risk through diversification. We believe this is essential in helping you work toward achieving your ultimate financial and savings goals.

      Over many years, this practice has proved successful through market fluctuations, changing economic trends and technological innovation. Note that diversification is no guarantee of protection against loss.

      Your {{PD:SubsidiaryName}} retirement plans offer an array of investment options across a broad range of categories. Refer to the asset classes listed at right to find out more about your available choices.

      inv_opt_plan_home

      0123 inv_opt_plan_home
      Title
       
      INVESTMENT CHOICES
      0124 inv_opt_plan_home
      MainContent1
       
      Your {{PD:PlanMarketingName}} offers an array of investment options across a broad range of categories. Refer to the asset class heading(s) listed on the right to find out more about your available allocation choices.

      inv_opt_equities

      0125 inv_opt_equities
      Title
       
      Equities
      0126 inv_opt_equities
      MainContent1
       
      Equities (stocks), which represent shares of ownership in companies, have historically outperformed other investments over long periods. They have also tended to be the most volatile in the short term, which means investors may experience fluctuating account values. (Past performance does not guarantee future results.)

      Annuity account options are available through contracts issued by TIAA or CREF. These contracts are designed for retirement or other long-term goals and they offer a variety of income options, including lifetime income. Payments from the variable annuity accounts and mutual funds are not guaranteed and will rise or fall based on investment performance. Mutual funds do not offer the range of income options available through annuities.
      0127has_equities_va inv_opt_equities
      SubHeading1
       
      Variable Annuities
      0128list_equities_va inv_opt_equities
      List1
      variable_annuities_list_item
       
    • {{IC:Name}} PDF
    • 0129has_equities_mf inv_opt_equities
      SubHeading2
      mutual_funds_yes
       
      Mutual Funds
      0130list_equities_mf inv_opt_equities
      List2
      mutual_funds_list_item
       
    • {{IC:Name}} PDF
    • inv_opt_real_estate

      0131 inv_opt_real_estate
      Title
       
      Real Estate
      0132 inv_opt_real_estate
      MainContent1
       
      Direct investment in real estate can be a good diversification tool for a retirement portfolio, providing low correlation with other asset classes, a hedge against inflation and long-term growth potential. Typically, real estate performance does not closely correspond to that of stocks and bonds, and has shown less volatility over time, marking it as a distinct asset class. Please note that real estate securities do have additional volatility. Past performance is not a guarantee of future results.
      0133has_real_estate_va inv_opt_real_estate
      SubHeading1
       
      Variable Annuities
      0134list_real_estate_va inv_opt_real_estate
      List1
      variable_annuities_list_item
       
    • {{IC:Name}} PDF
    • 0135 inv_opt_real_estate
      MainContent3
       
      Annuity account options are available through contracts issued by TIAA or CREF. These contracts are designed for retirement or other long-term goals and they offer a variety of income options, including lifetime income. Payments from the variable annuity accounts and mutual funds are not guaranteed and will rise or fall based on investment performance. Mutual funds do not offer the range of income options available through annuities.

      inv_opt_fixed_inc

      0136 inv_opt_fixed_inc
      Title
       
      Fixed Income
      0137 inv_opt_fixed_inc
      MainContent1
       
      This category includes bonds and securities that are designed to pay a rate of interest over a set time period and then return the investor's principal. The value of fixed-income investments fluctuates in response to interest and inflation rates.

      There are different ways to invest in bonds; traditional bonds are generally debt instruments of different companies and government agencies. Returns will vary based on interest income and price changes in the bond market.

      With inflation-linked securities, the interest payments tend to rise during periods of accelerating inflation, making them a good choice for more conservative investors. However, neither traditional nor inflation-linked bonds are insured or guaranteed by the Federal Deposit Insurance Corporation (FDIC) or any other U.S. 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 they offer a variety of income options, including lifetime income. Payments from the variable annuity accounts and mutual funds are not guaranteed and will rise or fall based on investment performance. Mutual funds do not offer the range of income options available through annuities.
      0138has_fixed_va inv_opt_fixed_inc
      SubHeading1
       
      Variable Annuities
      0139list_fixed_va inv_opt_fixed_inc
      List1
      variable_annuities_list_item
       
    • {{IC:Name}} PDF
    • 0140has_fixed_mf inv_opt_fixed_inc
      SubHeading2
      mutual_funds_yes
       
      Mutual Funds
      0141list_fixed_mf inv_opt_fixed_inc
      List2
      mutual_funds_list_item
       
    • {{IC:Name}} PDF
    • 0142has_fixed_collective inv_opt_fixed_inc
      SubHeading3
      collective_funds_yes
       
      Collective Funds
      0143list_fixed_collective inv_opt_fixed_inc
      List3
      collective_funds_list_item
       
    • {{IC:Name}} PDF
    • inv_opt_money_market

      0144 inv_opt_money_market
      Title
       
      Money Market
      0145 inv_opt_money_market
      MainContent1
       
      This asset class consists of short-term debt instruments and government securities which carry little risk. They generally pay more interest than savings accounts or CDs, but historically their returns have been lower than those of stocks and bonds. Keep in mind that an investment in a money market fund or annuity account is not insured or guaranteed by the Federal Deposit Insurance Corporation (FDIC) or any other government agency and that it is possible to lose money with these investments. Although the Fund seeks to preserve the value of your investment at $1.00 per share, it is possible to lose money by investing in the Fund.
      0146has_money_market_va inv_opt_money_market
      SubHeading1
       
      Variable Annuities
      0147list_money_market_va inv_opt_money_market
      List1
      variable_annuities_list_item
       
    • {{IC:Name}} PDF
    • 0148has_money_market_mf inv_opt_money_market
      SubHeading2
      mutual_funds_yes
       
      Mutual Funds
      0149list_money_market_mf inv_opt_money_market
      List2
      mutual_funds_list_item
       
    • {{IC:Name}} PDF
    • 0150 inv_opt_money_market
      MainContent4
       
      Annuity account options are available through contracts issued by TIAA or CREF. These contracts are designed for retirement or other long-term goals and they offer a variety of income options, including lifetime income. Payments from the variable annuity accounts and mutual funds are not guaranteed and will rise or fall based on investment performance. Mutual funds do not offer the range of income options available through annuities.

      inv_opt_guaranteed

      0151 inv_opt_guaranteed
      Title
       
      Guaranteed
      0152 inv_opt_guaranteed
      MainContent1
       
      Offerings within the Guaranteed asset class guarantee your principal and a minimum interest rate, subject to the claims-paying ability of the insurer.
      0153has_guaranteed_annuity inv_opt_guaranteed
      SubHeading1
       
      Annuity
      0154list_guaranteed_annuity inv_opt_guaranteed
      MainContent2
      guaranteed_list_item
       
    • {{IC:Name}} PDF
    • inv_opt_multi_asset

      0155 inv_opt_multi_asset
      Title
       
      Multi-Asset
      0156 inv_opt_multi_asset
      MainContent1
       
      Included in this category are multi-asset investments that can help you prepare for your retirement, conform to your risk-tolerance level and help you allocate investment assets in a socially responsible way.
      0157has_multi_asset_mf inv_opt_multi_asset
      SubHeading1
      mutual_funds_yes
       
      Mutual Funds
      0158list_multi_asset_mf inv_opt_multi_asset
      List1
      mutual_funds_list_item
       
    • {{IC:Name}} PDF
    • 0159has_multi_asset_lifecycle inv_opt_multi_asset
      SubHeading2
      lifecycle_funds_yes
       
      Lifecycle Funds
      0160has_multi_asset_lifecycle inv_opt_multi_asset
      MainContent2
      lifecycle_funds_yes
       
      TIAA-CREF Lifecycle Funds are "funds of funds" that seek high total return over time through a combination of capital appreciation and income. The funds invest in underlying mutual funds according to an asset-allocation strategy designed for investors planning to retire in - or within a few years of - the fund's target year. Each fund's allocation gradually will become more conservative, until the mix of equity and non-equity securities reaches approximately 35% equities/65% non-equities by each fund's specific target year.
      Lifecycle Funds offer:
      • "One Decision" retirement strategy: Just select the fund that's closest to your expected year of retirement.
      • Built-in Rebalancing: Each fund's investments automatically adjust from a more aggressive, higher risk to a more conservative, lower risk allocation as the target retirement date approaches.
      • A managed, diversified portfolio: Each Lifecycle Fund provides a ready-made diversified portfolio using TIAA-CREF mutual funds as underlying investments that include both equity and fixed-income instruments.

      You can choose from among the following TIAA-CREF Lifecycle Funds:
      0161list_multi_asset_lifecycle inv_opt_multi_asset
      List2
      lifecycle_funds_list_item
       
    • {{IC:Name}} PDF
    • 0162has_multi_asset_socially_responsible inv_opt_multi_asset
      SubHeading3
       
      Socially Responsible Investing
      0163has_multi_asset_socially_responsible inv_opt_multi_asset
      MainContent3
       
      If you're interested in socially responsible investing, your investment choices include an annuity account that is diversified among stocks and bonds and could be used as a "single choice" option.
      If you need help making the choice that's best for you, call 800 842-2776 to speak to one of our consultants. However, socially responsible investments may not allow you to take advantage of certain opportunities or market trends if they are excluded because of social criteria.
      0164list_multi_asset_socially_responsible inv_opt_multi_asset
      List3
      socially_responsible_list_item
       
    • {{IC:Name}} PDF
    • inv_opt_brokerage

      0165 inv_opt_brokerage
      Title
       
      TIAA-CREF SELF-DIRECTED BROKERAGE ACCOUNT
      0166 inv_opt_brokerage
      MainContent1
       
      TIAA-CREF Brokerage Services* is designed to bring simplicity, flexibility and choice to your investing life.
      0167 inv_opt_brokerage
      MainContent2
       
      ROBUST INVESTMENT AND TRADING CHOICES
      0168 inv_opt_brokerage
      MainContent3
       
      TIAA-CREF Brokerage Services brings the investment world right to you. You'll have everything you need to build and manage a portfolio based upon your needs. Trade among:
      • Thousands of mutual funds from the nation's best-known fund families, many of which are no load and have no transaction fees
      • TIAA-CREF's family of low-cost mutual funds
      0169 inv_opt_brokerage
      MainContent4
       
      FULL FEATURES AT A STRONG VALUE
      0170 inv_opt_brokerage
      MainContent5
       
      A TIAA-CREF Brokerage Services account offers superior service at a competitive price you'd expect from TIAA-CREF. We've designed our brokerage account to help simplify your finances so you can focus on your goals. You'll also find many useful tools to help make informed investment decisions, including:
      • Online trading
      • Cash management with a Cash Solutions Account (minimum $25,000)
      • Mutual Funds screeners, company reports, industry news and more
      0171 inv_opt_brokerage
      MainContent6
       
      EASY CONSOLIDATION
      0172 inv_opt_brokerage
      MainContent7
       
      You can simplify your financial life by rolling over retirement assets from previous employer sponsored retirement plans or other IRAs into a TIAA-CREF Brokerage IRA. Consolidating your retirement accounts may also give you access to a wider variety of investments. Preserve the tax-deferred status of your assets and enjoy the convenience of having your retirement portfolio in a single — and trusted — place.
      0173 inv_opt_brokerage
      MainContent8
       
      FOR MORE INFORMATION
      0174 inv_opt_brokerage
      MainContent9
       
      Call us toll-free at 800 842-2776, then press *8 to speak directly to a TIAA-CREF Individual Consultant who specializes in Brokerage Services. You can also visit us online.

      Note that there are brokerage charges associated with this account. Certain securities may not be suitable for all investors. There are inherent risks in investing in securities. Investment return and principal value will fluctuate so an investor's shares, when redeemed, likely will be worth more or less than the original cost.

      *TIAA-CREF Brokerage Services is a division of TIAA-CREF Individual & Institutional Services, LLC. Member NASD/SIPC.

      inv_opt_changes

      0175 inv_opt_changes
      Title
       
      Changes to Investment Options
      0176funds_mapping_date_in_future inv_opt_changes
      MainContent1
       
      TIAA-CREF is pleased to have become the sole vendor at {{SD:SubsidiaryName}}. To learn more about this change in retirement vendors could affect you, select the link below:

      {{SD:SubsidiaryName}}
      0177has_invest_add_info inv_opt_changes
      MainContent2
       
      {{PD:invest_add_info_custom_txt}}
      0178has_invest_add_info_pdf inv_opt_changes
      MainContent3
       

      setup_home

      0179 setup_home
      Title
       
      SETTING UP MY PORTFOLIO
      0180is_lifecycle_funds_unavailable setup_home
      MainContent1
      no_lifecycle_funds
       
      Whether you are just starting to invest in your future or already participate in a retirement plan, setting up your own plan allocations involves some important decisions.

      Our consultants can explain how the plan works, the choices you have, and how to set up a portfolio that will help you meet your retirement needs.

      You also might find it helpful to read about how to Build Your Own Portfolio.
      0181is_lifecycle_funds_available setup_home
      MainContent1
      lifecycle_funds
       
      Whether you are just starting to invest in your future or already participate in a retirement plan, setting up your own plan allocations involves some important decisions.

      If you like to keep things simple and would feel most comfortable knowing that professional managers are automatically adjusting your portfolio to keep it on track with your retirement time horizon, then a TIAA-CREF Lifecycle Fund may be right for you. Funds are available for target retirement years 2010 through 2040 in five-year increments. All you need to do is pick a single Lifecycle Fund that's closest to your estimated year of retirement.

      Each fund's investments automatically adjust from a more aggressive to a more conservative allocation as the target retirement date approaches. Each Lifecycle Fund provides a ready-made diversified portfolio using TIAA-CREF mutual funds as underlying investments, which include stocks and fixed income. Please keep in mind that Lifecycle Funds share the risks associated with their underlying investments. Be sure to review the prospectus before investing.

      If you prefer to develop your own portfolio by choosing among investment options in different asset classes to match your time horizon and risk tolerance, you may want to Build Your Own Portfolio.

      If you are not sure which strategy is right for you, consider using the suggested guidelines set up by TIAA-CREF to help simplify the process. We recommend that you start by asking yourself which investing strategy is right for you.

      setup_adv_plan

      0182 setup_adv_plan
      Title
       
      Advice and Planning Services
      0183 setup_adv_plan
      MainContent1
       
      Central to our commitment to you is to help you plan effectively for retirement with skilled TIAA-CREF Consultants. Additionally, we are expanding our services by offering personalized advice on the investment choices on our platform, including those from other companies.
      0184 setup_adv_plan
      MainContent3
       
      Highlights include:
      • Personalized Portfolio Recommendations, proposing specific mutual funds and annuity accounts considering every retirement plan option on TIAA-CREF's recordkeeping systems.
      • Guidance on Past Plans, suggesting portfolios of broad asset classes on any assets in previous employers' retirement plans on TIAA-CREF's recordkeeping systems.
      • A Retirement Strategy Review that can take into account the full range of your retirement assets and present models that assess the likelihood of reaching income goals. The financial and economic assumptions underlying the projections are based on historical rates of return that may not reoccur, as well as volatility measures and other factors.
      0185 setup_adv_plan
      MainContent4
       
      The advice is provided in one-on-one sessions, in person or on the phone, to ensure the highest level of service and immediate attention to your needs.

      The portfolio recommendations, projections and other information we provide you are generated by an analytic tool from Ibbotson Associates, a company noted for its integrity and the soundness of its methodology. First, the tool estimates your chances of achieving your retirement income goal. If changes are warranted, the tool will recommend an increased savings rate; a revised retirement plan investment portfolio based on your age, retirement plan savings rate, current investment selections and outside investments; or both. Investment recommendations start by defining an appropriate mix of asset classes. Projections of potential returns for each asset class reflect aspects of historical performance, including a real risk-free rate, an estimate of future inflation and a "risk premium" (the additional potential return from taking on additional risk). From there, the tool then recommends specific funds available to you through your plan.

      As with any projection, the outcomes shown are hypothetical, do not reflect actual investment returns and do not guarantee future results. Recommendations for younger clients with a longer savings time horizons generally have higher amounts of portfolio risk. The results may vary with each use over time.
      0186 setup_adv_plan
      MainContent5
       
      Next Steps
      0187 setup_adv_plan
      MainContent6
       
      Call TIAA-CREF AT 800 842-2776 to schedule an appointment.
      After the session you'll receive a detailed report showing the key information driving your results, the investment and savings strategies Ibbotson recommends, and actions you can take that could help keep your retirement on track. While the advice can take all of your retirement assets into account, the service only provides specific portfolio recommendations on assets within TIAA-CREF's recordkeeping systems.
       
      0188 setup_adv_plan
      MainContent7
       
      Advice and Planning Services offers retirement planning services and is a Registered Investment Advisor and a division of TIAA-CREF Individual & Institutional Services, LLC, a registered broker/dealer, member NASD/SIPC.

      setup_enh_guid

      0189 setup_enh_guid
      Title
       
      Enhanced Guidance
      0190 setup_enh_guid
      SubHeading1
       
      OBJECTIVE SUPPORT FROM AN INDEPENDENT RESOURCE
      0191 setup_enh_guid
      MainContent1
       
      As a TIAA-CREF participant in your institution's retirement plan, you are eligible for personalized, independent retirement planning guidance, at no additional cost. It's your opportunity to get specific, objective guidance for developing a plan to pursue your retirement income goal, or to find out if your current retirement planning strategy is on the right track.

      Through a candid, confidential conversation, a TIAA-CREF consultant will get to know more about you and your total retirement savings picture.

      Next, the consultant will use sophisticated planning tools from Ibbotson Associates, one of the world's most respected independent financial services, to create a detailed report that:
      0192 setup_enh_guid
      MainContent2
       
      • assesses your current strategy in light of your retirement goals; and
      • offers retirement investment guidance to enhance your strategy (or, if you're just starting out, a plan that makes sense for you), which you can put into action right now.
      0193 setup_enh_guid
      SubHeading2
       
      What's Available
      0194 setup_enh_guid
      MainContent3
       
      • Objective Investment Guidance
        You can get personalized retirement plan portfolio suggestions including some or all of the following asset classes:
        • Equities (Stocks)
        • Fixed-Income
        • Guaranteed
        • Cash
        • Real Estate
        Your suggested portfolio is based on your retirement goals and expected retirement date, and can take into account all of your retirement assets to help maintain an overall balance between risk and opportunity. In addition to your current retirement plan, you can get guidance on all of your current and past plans on TIAA-CREF's recordkeeping system.
      • Portfolio Development Assistance
        We can identify the specific accounts that fall into the asset classes in your suggested portfolio to enable you to make your decisions about which options may best fit your needs.
      • A review of potential outcomes
        Ibbotson's guidance tool assesses the probability of meeting your goals with current savings strategies, and recommends a savings rate that may help you meet your goal. You can also adjust some of the factors to help you explore the effects of different savings rates, retirement dates and other factors. (The financial and economic assumptions underlying these projections are based on historical rates of return that may not reoccur, as well as volatility measures and other factors.)
      0195 setup_enh_guid
      SubHeading3
       
      Your Enhanced Guidance Report
      0196 setup_enh_guid
      MainContent4
       
      Within a week of your consultation, you'll receive a personalized report that provides valuable information based on the information you provided. The report will show your suggested retirement plan portfolio as well as a comparison between your current retirement strategy and a proposed strategy. Although no strategy is guaranteed, such a comparison can help you consider whether you are saving enough to reach your income goals. If not, the report will tell you how much more you might need to save.

      Ibbotson Associates is a leading provider of investment and planning services known for its independence, experience in portfolio analysis, sound business practices, and expertise in software development.
      0197 setup_enh_guid
      SubHeading4
       
      How to Get Started
      0198 setup_enh_guid
      MainContent5
       
      Call TIAA-CREF at 800 842-2776 to schedule an appointment.

      Plan to bring statements showing current accumulations in non-TIAA-CREF retirement plans, IRAs and other plans, including Social Security. And if you're married, you may want to bring information on your spouse's retirement assets.

      Before your session, your TIAA-CREF consultant will ask you to complete a suitability questionnaire to make sure the guidance we provide fits your needs and situation. In addition to basic personal information, the survey will cover topics like your income and investments and your anticipated retirement goals.

      We look forward to helping you make educated decisions about your retirement planning and investments.

      Note: The portfolio recommendations, projections and other information we provide you are generated by an analytic tool from Ibbotson Associates, a company noted for its integrity and the soundness of its methodology.

      First, the tool estimates your chances of achieving your retirement income goal. Then, if changes are warranted, the tool will recommend:
      0199 setup_enh_guid
      MainContent6
       
      • an increased savings rate;
      • a revised retirement plan investment portfolio based on your age, retirement plan savings rate, current investment selections and outside investments;
      • or both.
      0200 setup_enh_guid
      MainContent7
       
      Investment recommendations define an appropriate mix of asset classes. Projections of potential returns for each asset class reflect aspects of historical performance, including a real risk-free rate, an estimate of future inflation and a "risk premium" (the additional potential return from taking on additional risk).

      As with any projection, the outcomes shown are hypothetical, do not reflect actual investment returns and do not guarantee future results. Recommendations for younger clients with a longer savings time horizons generally have higher amounts of portfolio risk. The results may vary with each use over time.
      0201 setup_enh_guid
      MainContent8
       
      TIAA-CREF Individual & Institutional Services, LLC provides advisory services and distributes securities products.
      0202 setup_enh_guid
      MainContent9
       
      C34175

      setup_choose_strat

      0203 setup_choose_strat
      Title
       
      Choose Your Investment Strategy
      0204 setup_choose_strat
      MainContent1
       
      Having a retirement portfolio that's right for you begins with making a basic decision: How much involvement do you want to have in building your portfolio?
      0205 setup_choose_strat
      SubHeading1
       
      Which of the following hypothetical investors sounds most like you?
      0206 setup_choose_strat
      MainContent2
       
      Investor A
       
      0207 setup_choose_strat
      MainContent3
       
      "When it comes to saving for retirement, I believe in keeping it simple. I'm not a financial wiz and don't have the time or interest to become one. As long as I know my portfolio is in expert hands, I'd rather not worry about it myself. I'm more comfortable knowing that professional managers will keep my portfolio on track and rebalance my assets in keeping with my time horizon or portfolio goals."
      0208 setup_choose_strat
      MainContent4
       
      Investor B
       
      0209 setup_choose_strat
      MainContent5
       
      "I enjoy learning about investing and try to stay on top of how economic trends are affecting my nest egg. Keeping an eye on my portfolio's asset allocation gives me the kind of hands-on control I want. As my life situation and market conditions change, I like making any necessary adjustments to my investment mix myself."
      0210 setup_choose_strat
      MainContent6
       

      If you identified with Investor A:
      A simplified "one decision" strategy could be a good fit for you.

      If you are more like Investor B:
      You are likely to prefer the "build your own portfolio" strategy.
      0211 setup_choose_strat
      MainContent7
       
      In either case, we encourage you to contact one of our consultants, who can explain how the plan works, the choices you have, and how to set up a portfolio that will help you meet your investment needs.

      setup_simple_strat

      0212 setup_simple_strat
      Title
       
      Simplified One Decision Strategy
      0213 setup_simple_strat
      SubHeading1
       
      Why Choose a Lifecycle Fund?
      0214 setup_simple_strat
      MainContent1
       
      If you lack the time or experience to research all of your retirement plan's account options, a TIAA-CREF Lifecycle Fund may be right for you. Lifecycle Funds offer a way to make a single choice for your retirement investments based on your expected year of retirement.
      0215 setup_simple_strat
      SubHeading2
       
      How Do Lifecycle Funds Work?
      0216 setup_simple_strat
      MainContent2
       
      Lifecycle Funds provide a ready-made portfolio of funds using TIAA-CREF mutual funds as underlying investments with exposure to different investment choices, including stocks, bonds and real estate investments. Please keep in mind that Lifecycle Funds share the risks associated with their underlying investments. Be sure to review the prospectus before investing.

      Each Lifecycle Fund starts with investment mixes generally considered appropriate for investors at different stages of retirement planning, with the goal of achieving the highest possible returns while minimizing potential risks. (Keep in mind that there is no guarantee that this objective will be met.) Then, the funds adjust periodically to maintain an appropriate asset allocation for the remaining time horizon.
      0217 setup_simple_strat
      SubHeading3
       
      What Are the Main Benefits?
      0218 setup_simple_strat
      MainContent3
       
      With a TIAA-CREF Lifecycle Fund, you enjoy broad portfolio diversification and ongoing professional management - without the need to make complicated investment, portfolio reallocation and adjustment decisions as your time horizon changes.
      0219 setup_simple_strat
      SubHeading4
       
      Select the Lifecycle Fund Closest to Your Estimated Year of Retirement.
      0220 setup_simple_strat
      MainContent4
       
      Now all you need do is select the fund that is the closest to your estimated year of retirement, using the chart below as a guide. Lifecycle Funds are available for target retirement years of 2010 through 2040 in five-year increments.
      0221 setup_simple_strat
      Image1
       

      setup_build_your_own

      0222 setup_build_your_own
      Title
       
      "Build Your Own Portfolio" Strategy
      0223 setup_build_your_own
      MainContent1
       
      Building your own portfolio allows you to tailor your investments to meet your specific needs and goals. It enables you to have a high level of involvement in your own financial retirement planning.

      Before starting out, however, it would be to your advantage to learn the basics of investing - or review them if you already have some investment knowledge.

      setup_learn_basics

      0224 setup_learn_basics
      Title
       
      Learn the Basics
      0225 setup_learn_basics
      MainContent1
       
      0226 setup_learn_basics
      MainContent2
       
      0227 setup_learn_basics
      SubHeading1
       
      0228 setup_learn_basics
      MainContent3
       
      The way you choose your investment mix is the foundation of your portfolio's performance. The goal of asset allocation is to create the most efficient mix of investments or asset classes that have the potential to appreciate while meeting your tolerance for risk or market volatility. What you want to do is combine asset classes that tend to perform differently from one another under certain market conditions. How you divide your money among broad asset classes is often more important than the choice of specific investments within those classes.

      back to top

      0229 setup_learn_basics
      SubHeading2
       
      0230 setup_learn_basics
      MainContent4
       
      The key to smart asset allocation - and one of the best ways to manage risk - is to diversify, or "spread the risk" over a variety of investments. Since different types of investments may perform better than others at different times, diversification can help you offset the volatility (and potential losses) of a single investment and take greater advantage of the strengths of several asset classes working together.

      To ensure adequate diversification, most investment experts recommend that you include at least three asset classes in your long-term portfolio. Diversifying does not guarantee that you won't lose money, but it can keep you from being overexposed to a major downturn in one type of investment. How much you allocate to each of the asset classes (and the investment options within those classes) will depend on your particular goals and preferences. Of course, diversification is no guarantee against losses.

      back to top

      0231 setup_learn_basics
      SubHeading3
       
      0232 setup_learn_basics
      MainContent5
       
      At the cornerstone of any savings or investment plan is the relationship between risk and return. As a rule, the potential return on any investment corresponds to its level of risk.

      Most experts agree that you shouldn't take too much risk with your pension accumulation. On the other hand, you may want to assume enough risk to build the assets to finance the retirement you want. Maintaining that delicate balance is the challenge of successful asset allocation.

      back to top

      0233 setup_learn_basics
      SubHeading4
       
      0234 setup_learn_basics
      MainContent6
       
      When it comes to retirement, your investment perspective should always be long term, because your actual time horizon should extend far beyond the day you actually retire. To keep pace with inflation, your money will have to keep working even after you stop, so you'll need to maintain some growth potential even when you've begun making withdrawals.

      How can a long-term perspective affect your allocation decision? If you're just getting started with your retirement savings, you have a longer time horizon to absorb and recover from the ups and downs of the markets. So you may want to consider allocating a greater percentage of your contributions to stocks, which have historically offered greater potential for growth than other options. Past performance, of course, does not guarantee future results.

      As you approach retirement, you may be less willing to take risks within your retirement portfolio. Many people move accumulated funds to more conservative accounts at this stage.

      back to top

      0235 setup_learn_basics
      SubHeading5
       
      0236 setup_learn_basics
      MainContent7
       
      It's important to coordinate the decisions you make about your TIAA-CREF retirement plan allocations with any other assets you're likely to have during retirement (such as Social Security benefits, defined benefit plans or IRAs). All of these savings will need to work together to produce the retirement income you're looking for.

      back to top

      0237 setup_learn_basics
      SubHeading6
       
      0238 setup_learn_basics
      MainContent8
       
      As we've mentioned, it's a good idea to revisit your investment mix periodically, as your goals, investment time horizon and personal situation change.

      back to top

      0239 setup_learn_basics
      SubHeading7
       
      0240 setup_learn_basics
      MainContent9
       
      Consolidating your retirement accounts can make your asset allocation strategy a bit easier to evaluate and adjust, because you can view the "big picture" of how your retirement assets are invested through one consolidated statement. Be sure to check the terms of your existing investment. Certain surrender and other charges may apply.

      back to top

      setup_investor_profile

      0241 setup_investor_profile
      Title
       
      Investor Profile Worksheet
      0242 setup_investor_profile
      MainContent1
       
      To launch the interactive Investor Profile Worksheet, select a plan below.
      0243list_plans setup_investor_profile
      List1
      plan_list_item
       

      setup_model_port_home

      0244 setup_model_port_home
      Title
       
      Model Portfolios
      0245 setup_model_port_home
      MainContent1
       
      Select the plan for which you would like to see model portfolios.

      Since the plans available to you offer different fund line-ups, it is important to review the model portfolios for each plan since different asset classes will be represented depending on the plan selected.
      0246list_plans setup_model_port_home
      List1
      plan_list_item
       

      setup_model_port

      0247 setup_model_port
      Title
       
      Model Portfolios
      0248 setup_model_port
      MainContent1
       
      The model portfolios presented here were not created specifically for you and may not take into account your particular retirement goals or investment preferences. The ultimate allocation decision is up to you after you have considered investment information that pertains to your own personal circumstances.

      There are inherent risks to investing in securities products. However, the investment risks that apply to all of the model portfolios generally increase as the portfolios become more aggressive. Therefore, participants who are approaching retirement (e.g., who expect to retire within the next 10 years), or those who lack substantial retirement assets outside this plan, may want to take a more conservative approach.
      0249plan_has_re setup_model_port
      Image1
      re
       
      0250plan_has_re setup_model_port
      Image2
      re
       
      0251plan_has_re setup_model_port
      Image3
      re
       
      0252plan_has_re setup_model_port
      Image4
      re
       
      0253plan_has_re setup_model_port
      Image5
      re
       

      0254plan_has_no_re setup_model_port
      Image1
      no_re
       
      0255plan_has_no_re setup_model_port
      Image2
      no_re
       
      0256plan_has_no_re setup_model_port
      Image3
      no_re
       
      0257plan_has_no_re setup_model_port
      Image4
      no_re
       
      0258plan_has_no_re setup_model_port
      Image5
      no_re
       

      0259 setup_model_port
      MainContent2
       
      Used with permission. 2005 Ibbotson Associates, Inc. All rights reserved.

      setup_other_consid

      0260 setup_other_consid
      Title
       
      Other Considerations When Planning Your Investment Mix
      0261 setup_other_consid
      MainContent1
       
      Each of our model portfolios provides a model asset allocation mix that corresponds to a specific investment strategy based on tolerance for risk. However, there are essentially two different ways to evaluate how much risk you want to take:
      0262 setup_other_consid
      MainContent2
       
      • One is to understand the psychological impact of risk whether or not you'll be able to tolerate the potential ups and downs that may be associated with certain types of investments.
      • The second consideration is your actual risk capacity, or your ability to weather the potential fluctuations associated with market volatility, based on your own personal circumstances.
      0263 setup_other_consid
      MainContent3
       
      For example, a young investor who anticipates continuing to accrue savings for many years to come and who also has other assets to potentially draw from in the future such as Social Security benefits may be able to take a more aggressive stance in order to achieve a retirement income goal compared to the approach of an investor with a shorter time horizon who may be well along the way toward achieving retirement objectives through existing savings.

      Understanding how much risk you may need to take in order to achieve your goal and how much risk you'll be able to tolerate is a considerable challenge. For this reason, you may want to contact one of our consultants to review your personal circumstances and evaluate the "bigger picture" of your retirement investing strategy.

      setup_choices

      0264 setup_choices
      Title
       
      A Diversified Range of Choices
      0265is_advice_available setup_choices
      MainContent1
      advice_available
       
      If you prefer to create your own investment mix for retirement savings, your plan offers a wide range of choices. Whether you're a first-time investor or a long-time participant, determining the right combination of investments for your retirement plan is not easy.

      Our consultants can explain how the plan works, the choices you have, and how to set up a portfolio that can help you meet your investment needs.

      We urge you to contact one of our consultants and/or set up a meeting at any time, to get objective retirement planning advice and discuss any questions or concerns you may have.

      To learn more about the broad asset classes below, and the individual investments they contain, go to the Investment Options page, where you may view the various fund descriptions and prospectuses.
      0266is_advice_unavailable setup_choices
      MainContent1
      advice_unavailable
       
      If you prefer to create your own investment mix for retirement savings, your plan offers a wide range of choices. Whether you're a first-time investor or a long-time participant, determining the right combination of investments for your retirement plan is not easy.

      To learn more about the broad asset classes below, and the individual investments they contain, go to the Investment Options page, where you may view the various fund descriptions and prospectuses.
      0267 setup_choices
      MainContent2
       
        0268list_asset_class setup_choices
        MainContent3
         
      • {{AC:Name}}
      • 0269 setup_choices
        MainContent4
         

        tools_home

        0270 tools_home
        Title
         
        TOOLS AND EDUCATION
        0271 tools_home
        MainContent1
         
        At TIAA-CREF, we want you to be financially savvy so you can make informed investment decisions.

        As your life circumstances change, your financial goals are likely to change as well. Select any of the links on the right for tools, calculators, and publications TIAA-CREF offers. They can help you determine if you're on track towards meeting your financial goals.

        tools_investor_profile

        0272 tools_investor_profile
        Title
         
        Investor Profile Worksheet
        0273 tools_investor_profile
        MainContent1
         
        To launch the interactive Investor Profile Worksheet, select a plan below.
        0274list_plans tools_investor_profile
        List1
        plan_list_item
         

        tools_retirement_goal

        0275 tools_retirement_goal
        Title
         
        Retirement Goal Evaluator
        0276 tools_retirement_goal
        MainContent1
         
        Will your retirement account be large enough to meet your financial needs when you're ready to stop working? This calculator can show how much of your salary you might need at retirement. It will also calculate how much more you might need to invest to eliminate any shortfall.

        Retirement Goal Evaluator

        tools_financial_organizer

        0277 tools_financial_organizer
        Title
         
        Your Financial Organizer
        0278 tools_financial_organizer
        MainContent1
         
        Your Financial Organizer is a take-action tool intended to help you put your finances and budget in order as a first step toward preparing an effective savings strategy. The sooner you start saving, the more time your money will have to work for you.

        Your Financial Organizer

        tools_exp_grow

        0279 tools_exp_grow
        Title
         
        Expense/Growth Calculator
        0280 tools_exp_grow
        MainContent1
         
        Before you invest, look carefully at the associated fees and charges in addition to any product features. Sales, surrender, and transaction costs vary widely from company to company. Even when such fees are low or waived, annual expense charges can make a big difference in your total return over time. You can use this interactive calculator to see just how dramatic the effect can be.

        Expense/Growth Calculator

        tools_adj_gross_inc

        0281 tools_adj_gross_inc
        Title
         
        Adjusted Gross Income
        0282 tools_adj_gross_inc
        MainContent1
         
        Adjusted Gross Income is used in calculating federal taxes. It appears on the bottom of the first page of your federal income tax return. AGI is determined before itemized deductions are taken, but it subtracts adjustments, such as certain IRA contributions, from gross income.

        Adjusted Gross Income

        tools_target_value

        0283 tools_target_value
        Title
         
        Target Value
        0284 tools_target_value
        MainContent1
         
        Compute how much you'll need to save to reach a future income goal. The income calculation assumes systematic withdrawals that exhaust your principal and accrued earnings over the specified payout period. If you want a lump-sum distribution rather than income over time, enter "0" in the "Duration" field.

        Target Value

        tools_pubs

        0285 tools_pubs
        Title
         
        Publications
        0286 tools_pubs
        MainContent1
         
        Browse TIAA-CREFs Online Publications, where you can view and download publications spanning a variety of topics, including publications about retirement planning, investment education and more.

        faq

        0287 faq
        Title
         
        FREQUENTLY ASKED QUESTIONS
        0288uses_pss faq
        Question1
        uses_pss_no
         
        Q. How do I find my Plan Access Code?
        0289uses_pss faq
        Answer1
        uses_pss_no
         
        A. Your access code(s) can be found on the Enrollment Page after your date of migration. There is one code per plan.

        back to top
        0290 faq
        Question2
         
        Q. What do I do after I've enrolled?
        0291 faq
        Answer2
         
        A. After you have enrolled, you will receive a TIAA-CREF Welcome Kit and a Legal Package, which will include your contract and contract number. Review your Welcome Kit carefully as it will contain the information you indicated during the enrollment process - including allocations and beneficiary information.

        You will also be able to review your accounts and perform transactions online by using Secure Access.

        back to top

        0292 faq
        Question3
         
        Q. How do I get help choosing my allocation mix?
        0293 faq
        Answer3
         
        A. TIAA-CREF offers a series of financial education seminars through Demo University or at various locations in your local area. You may also be able to meet with a TIAA-CREF investment professional to assess your financial situation.

        back to top
        0294has_mf faq
        Question4
        mf_yes
         
        Q. What is the difference between a fixed annuity, a variable annuity and a mutual fund?
        0295has_mf faq
        Answer4
        mf_yes
         
        A. In general, an annuity is a contract by which an insurance company agrees to make regular payments. A fixed annuity guarantees principal and a specified interest rate, and may also offer additional amounts based on the claims-paying ability of the issuing company. A variable annuity does not make any guarantees.

        The returns and value of a variable annuity account will fluctuate based on the investment performance of the underlying securities in its portfolio. For the purposes of your retirement plan, the main difference between variable annuities and mutual funds is that a mutual fund cannot be used for receiving income in the same manner as an annuity. However mutual funds offer more focused investment styles than annuities, offering you the ability to choose the funds that correspond closely to your more specific investment objectives.

        back to top
        0296has_mf_and_va faq
        Question5
        mf_and_va_yes
         
        Q. Is there an advantage to owning variable annuities over mutual funds?
        0297has_mf_and_va faq
        Answer5
        mf_and_va_yes
         
        A. No, there is no advantage to contributing to either variable annuities or mutual funds in your TIAA-CREF-funded retirement plan. Both options receive favorable tax treatment under the plan.

        back to top
        0298has_mf faq
        Question6
        mf_yes
         
        Q. What are the advantages of owning mutual funds?
        0299has_mf faq
        Answer6
        mf_yes
         
        A. Many participants enjoy the advantages of owning mutual funds alongside annuity accounts in their retirement plans. The mutual funds chosen for your retirement savings plan provide the opportunity to focus on specific market segments - all of which offer varying degrees of risk and reward opportunities.

        By owning a combination of funds with different investment characteristics, you may be able to offset the poor performance of one asset class with another that is benefiting from an upward trend. However, diversification doesn't guarantee against loss.

        back to top
        0300has_mf faq
        Question7
        mf_yes
         
        Q. Who would benefit most from owning mutual funds?
        0301has_mf faq
        Answer7
        mf_yes
         
        A. For some participants, being able to invest in accounts that broadly represent their asset classes is an appropriate investment strategy. Others may want to exercise more control over their exposure to different types of investments. Having mutual funds on your fund lineup allows you to fine-tune your portfolio to the extent you wish.

        back to top
        0302 faq
        Question8
         
        Q. How can I see my accounts and perform transactions online?
        0303 faq
        Answer8
         
        A. You can view your account information, change allocations, and make transfers by visiting Secure Access. You will need a user ID and password to use this portion of our site.

        back to top
        0304 faq
        Question9
         
        Q. How do I speak to someone at TIAA-CREF?
        0305 faq
        Answer9
         
        A. Call a TIAA-CREF Consultant at 800-842-2776, Monday to Friday, 8:00 a.m. to 10:00 p.m. ET, Saturday, 9:00 a.m. to 6:00 p.m. ET.

        You may also be able to meet with a TIAA-CREF investment professional to assess your financial situation.

        back to top

        glossary

        0306 glossary
        Title
         
        Glossary
        0307 glossary
        SubNavigation
         
        A | B | C | D | E | F | G | H | I | J | K | L | M | N | O | P | Q | R | S | T | U | V | W | X | Y | Z
        0308 glossary
        contentHeaderA
         
        0309 glossary
        contentDefinitionA1
         
        Active Strategy: An investment strategy that seeks to outperform the average returns of the financial markets.
        0310 glossary
        contentDefinitionA2
         
        Asset Allocation: The process of assigning investments to one or more asset classes in an investment portfolio.
        0311 glossary
        contentHeaderB
         
        0312 glossary
        contentDefinitionB1
         
        Beneficiary: Any person or institution named to receive benefits if you die during the accumulation period or if you (and your annuity partner, if you have one) die before the end of any guaranteed period.
        0313 glossary
        contentDefinitionB2
         
        Blend: An account or fund that generally includes stocks from different market capitalizations, as well as both growth and value.
        0314 glossary
        contentDefinitionB3
         
        Broadly Based Accounts: Investment accounts or funds that encompass a wide range of different types of investment styles and capitalizations, and offer exposure to the various choices within a particular asset class.
        0315 glossary
        contentDefinitionB4
         
        Business Day: Any day the New York Stock Exchange (NYSE) is open for trading. A business day ends at 4:00 p.m. Eastern Time or when trading closes on the NYSE, if earlier.
        0316 glossary
        contentHeaderC
         
        0317 glossary
        contentDefinitionC1
         
        Calendar Day: Any day of the year. Calendar days end at the same time as business days.
        0318 glossary
        contentDefinitionC2
         
        Commuted Value: The present value of annuity payments due under an income option or method of payment not based on life contingencies.
        0319 glossary
        contentDefinitionC3
         
        Contribution Limits: Contributions can be either plan contributions required by an employer and/or voluntary additional amounts employees make on their own.
        0320 glossary
        contentHeaderD
         
        0321 glossary
        contentDefinitionD1
         
        Diversification: The process of allocating investments over a variety of asset classes, with the aim of "spreading the risk" and offsetting potential market volatility and subsequent losses.
        0322 glossary
        contentHeaderE
         
        0323 glossary
        contentDefinitionE1
         
        Eligible Institution: A non-profit institution, including any governmental institution, organized in the United States.
        0324 glossary
        contentDefinitionE2
         
        Employee Retirement Income Security Act of 1974 (ERISA): The federal pension law governing the rights of participants and beneficiaries of private pension plans and the duties of plan fiduciaries. It is not applicable to government plans like those at state colleges and universities.
        0325is_equities_available glossary
        contentDefinitionE3
         
        Equities: An asset class that represents shares of ownership in companies.
        0326is_fixed_income_available glossary
        contentHeaderF
         
        0327is_fixed_income_available glossary
        contentDefinitionF1
         
        Fixed Income: An asset class that includes bonds — securities that are designed to pay a rate of interest over a set time period and then return the investor's principal.
        0328 glossary
        contentHeaderG
         
        0329 glossary
        contentDefinitionG1
         
        Growth Stocks: Stocks of companies believed to offer above-average prospects for capital growth as a result of their strong earnings and revenue potential.
        0330is_guaranteed_available glossary
        contentDefinitionG2
         
        Guaranteed: An asset class containing investment offerings that protect an individuals principal and guarantee a minimum interest rate.
        0331 glossary
        contentHeaderH
         
        0332 glossary
        contentHeaderI
         
        0333 glossary
        contentDefinitionI1
         
        Indexing: An investment strategy that seeks to match, rather than outperform, the return and risk characteristics of a specific benchmark by holding all securities that make up an index (or a statistically representative sample of the index).
        0334 glossary
        contentHeaderJ
         
        0335 glossary
        contentHeaderK
         
        0336is_lifecycle_funds_available glossary
        contentHeaderL
         
        0337is_lifecycle_funds_available glossary
        contentDefinitionL1
         
        Lifecycle Funds: A ready-made diversified portfolio option, comprised of "funds of funds" that seek high total return over time through a combination of capital appreciation and income.
        0338 glossary
        contentHeaderM
         
        0339 glossary
        contentDefinitionM1
         
        Market Capitalization (cap): A determination of a company's value, calculated by multiplying the total number of company stock shares outstanding by the price per share.
        0340is_money_market_available glossary
        contentDefinitionM2
         
        Money Market: An asset class consisting of short-term debt instruments and government securities that carry little risk.
        0341 glossary
        contentHeaderN
         
        0342 glossary
        contentHeaderO
         
        0343 glossary
        contentHeaderP
         
        0344 glossary
        contentDefinitionP1
         
        Portability: This feature allows participants to continue contributing to a plan originated through a prior employer.
        0345 glossary
        contentHeaderQ
         
        0346 glossary
        contentHeaderR
         
        0347is_real_estate_available glossary
        contentDefinitionR1
         
        Real Estate: An asset class that provides low correlation with other asset classes, a hedge against inflation and long-term growth potential.
        0348 glossary
        contentDefinitionR2
         
        Risk and Return: The relationship between risk and return whereby, as a rule, the potential return on any investment corresponds to its level of risk.
        0349is_social_choice_available glossary
        contentHeaderS
         
        0350is_social_choice_available glossary
        contentDefinitionS1
         
        Socially Responsible Investing: A "socially sensitive" approach to investing where investors choose fund (or other investment) allocations they feel are committed to promoting political, social or moral issues.
        0351 glossary
        contentHeaderT
         
        0352 glossary
        contentHeaderU
         
        0353 glossary
        contentHeaderV
         
        0354 glossary
        contentDefinitionV1
         
        Valuation Day: Any business day plus the last calendar day of each month. Valuation days end as of the close of all U.S. national exchanges where securities or other investments of CREF are principally traded. Valuation days that are not business days end at 4:00 p.m. Eastern Time.
        0355 glossary
        contentDefinitionV2
         
        Value Stocks: Value stocks trade at lower than average valuations but have lower growth prospects than growth stocks.
        0356 glossary
        contentHeaderW
         
        0357 glossary
        contentHeaderX
         
        0358 glossary
        contentHeaderY
         
        0359 glossary
        contentHeaderZ
         

        contact

        0360 contact
        Title
         
        Contact
        0361 contact
        SubTitle1
         
        Contact your Benefits Office
        0362 contact
        Content1
         
        If you have any questions or need assistance, contact
        0363repeat_content_for_each_ben_off contact
        Content2
         
        {{CD:Office_Name}}
        {{CD:FIRST_NAME}} {{CD:LAST_NAME}}
        {{CD:BUSINESS_PHONE}}, {{CD:BUSINESS_HOUR}}
        {{CD:EMAIL}}
        {{CD:CONTACT_URL}}

        0364 contact
        SubTitle2
         
        Contact TIAA-CREF
        0365is_generic_contact contact
        Content3
         
        If you have any questions or need assistance regarding TIAA-CREF retirement plans or investment options, speak to one of our Consultants at 800-842-2776 Monday - Friday 8:00 a.m.-10:00 p.m. ET and Saturday 9:00 a.m.- 6:00 p.m. ET; or you can contact us online.
        0366uses_pss contact
        Content4
         
        {{SD:institution_EAS_CALL_CENTER}}
        {{SD:institution_EAS_CALL_NBR}}
        {{SD:institution_EAS_days_and_Hrs_operation}}
        0367uses_dcc contact
        Content5
         
        {{SD:CallCenterName}}
        {{SD:CallCenterPhoneNumber}}
        {{SD:CallCenterHours}}

        enrollment

        0368 enrollment
        Title
         
        ENROLL NOW
        0369has_enrollment_custom_top enrollment
        MainContent1a
         
        {{PD:ENROLLMENT_CUSTOM_TEXT_TOP}}
        0370has_own_enroll_sys enrollment
        MainContent1
        has_own_enroll_sys_yes
         
        To enroll in the {{SD:SubsidiaryName}} plan, you must use the {{SD:SubsidiaryName}} enrollment page.
        0371has_own_enroll_sys enrollment
        MainContent2
        has_own_enroll_sys_yes
         
        Before you enroll in the {{SD:SubsidiaryName}} plan, have the following information readily available.

        • Your investment allocations, which you select from your investment options
        • Your Social Security number
        • Your beneficiary's Social Security number, birth date, and address
        0372has_own_enroll_sys enrollment
        MainContent3
        has_own_enroll_sys_yes
         
        0373uses_tiaa_enroll_sys enrollment
        MainContent4
        has_own_enroll_sys_no
         
        We are pleased to offer you online enrollment for your {{SD:SubsidiaryName}} retirement plan. It is the fastest and easiest way to enroll. Before you enroll, have the following information available:

        • Your investment allocations, which you select from your investment options
        • The Access Code for each plan for which you are eligible:
        0374list_plan_codes enrollment
        List1
        plan_codes_list_item
         
      • {{PD:PlanAccessCode}}
      • 0375uses_tiaa_enroll_sys enrollment
        MainContent4b
        has_own_enroll_sys_no
         
      • Your Social Security number
      • Your beneficiary's Social Security number, birthdate, and address
      • 0376is_SRA enrollment
        MainContent5
        is_SRA_yes
         
        Don't forget that your enrollment is not complete until you also download and complete the required Salary Reduction Agreement:
        0377list_SRA_pdf enrollment
        List2
        SRA_list_item
         
        0378is_SRA enrollment
        MainContent5b
        is_SRA_yes
         
        To ensure that you are able to view PDF files on this page correctly, disable the pop-up blocker if it is in use.
        0379uses_tiaa_enroll_sys enrollment
        MainContent6
        has_own_enroll_sys_no
         
        0380has_paper_enroll enrollment
        MainContent7
        has_paper_enroll_yes
         
        We are pleased to offer your {{SD:SubsidiaryName}} retirement plan. To enroll, follow these instructions:

        • Download the enrollment materials below
        • Complete the fields as indicated
        • Sign the forms as needed
        • Submit the forms to:
        0381has_paper_enroll enrollment
        MainContent8
        has_paper_enroll_yes
         
        {{CD:Contacts[CONTACT_TYPE_CD/ContactTypeDesc="Enrollment Forms Return Address"]/ADDRESS1}}
        0382has_paper_enroll enrollment
        MainContent9
        has_paper_enroll_yes
         
        {{CD:Contacts[CONTACT_TYPE_CD/ContactTypeDesc="Enrollment Forms Return Address"]/ADDRESS2}}
        0383has_paper_enroll enrollment
        MainContent10
        has_paper_enroll_yes
         
        {{CD:Contacts[CONTACT_TYPE_CD/ContactTypeDesc="Enrollment Forms Return Address"]/ADDRESS3}}
        0384has_paper_enroll enrollment
        MainContent11
        has_paper_enroll_yes
         
        {{CD:Contacts[CONTACT_TYPE_CD/ContactTypeDesc="Enrollment Forms Return Address"]/ADDRESS4}}
        0385has_paper_enroll enrollment
        MainContent12
        has_paper_enroll_yes
         
        {{CD:Contacts[CONTACT_TYPE_CD/ContactTypeDesc="Enrollment Forms Return Address"]/CITY}}, {{CD:Contacts[CONTACT_TYPE_CD/ContactTypeDesc="Enrollment Forms Return Address"]/STATE_CD}} {{CD:Contacts[CONTACT_TYPE_CD/ContactTypeDesc="Enrollment Forms Return Address"]/ZIP_CD}}
        0386list_enrollment_pdf_links enrollment
        List3
        enrollment_pdf_links_list_item
         
        0387has_enrollment_custom_bottom enrollment
        MainContent13
         
        {{PD:ENROLLMENT_CUSTOM_TEXT_BOTTOM}}

        prospectus

        0388 prospectus
        Title
         
        Prospectuses
        0389 prospectus
        confirmation_script
         
        0390 prospectus
        SubTitle1
         
        Equities
        0391list_prospectus_equities prospectus
        List1
        prospectus_equities_list_item
         
                {{IC:Name}}
        0392 prospectus
        SubTitle2
         
        Real Estate
        0393list_prospectus_real_estate prospectus
        List2
        prospectus_real_estate_list_item
         
                {{IC:Name}}
        0394 prospectus
        SubTitle3
         
        Fixed Income
        0395list_prospectus_fixed_income prospectus
        List3
        prospectus_fixed_income_list_item
         
                {{IC:Name}}
        0396 prospectus
        SubTitle4
         
        Money Market
        0397list_prospectus_money_market prospectus
        List4
        prospectus_money_market_list_item
         
                {{IC:Name}}
        0398 prospectus
        SubTitle5
         
        Multi-Asset
        0399list_prospectus_multi_asset prospectus
        List5
        prospectus_multi_asset_list_item
         
                {{IC:Name}}