Different approaches

Take a guided approach to investing

We've set up different portfolios, or investment mixes, to help make choosing easier. Find a portfolio that suits your goals for risk and return.

Understanding the approach

Which investment style is right for you?

Explore options

Learn which mutual funds and other investments are available

    Average Annual Returns (%)1 as of
12/31/2024
Unless otherwise noted
Morningstar Information
as of 12/31/2024
Name /
Symbol
Asset Class/
Product Type
Net / Gross Expense Ratio Daily YTD 1 YR 5 YR 10 YR
OR SI
Inception Date
Morningstar Overall Ratings
Morningstar Category Performance
TIAA Traditional Annuity - Retirement Choice Guaranteed / TIAA Fixed Annuity -- / -- --
4.66% 4.23% 4.20% 8/01/2005

N/A

0 Stars
0 Stars
View Details
TIAA Traditional Annuity - Retirement Choice Plus Guaranteed / TIAA Fixed Annuity -- / -- --
3.92% 3.48% 3.45% 6/01/2006

N/A

0 Stars
0 Stars
View Details
American Funds EuroPacific Growth Fund - R6 (RERGX) Equities / Mutual Fund 0.47% / 0.47% 4.10%
5.04% 3.95% 5.66% 5/01/2009 3 Stars 3 Stars OUT OF 365 FUNDS Foreign Large Growth View Details
Baird Core Plus Bond Fund Institutional Class (BCOIX) Fixed Income / Mutual Fund 0.30% / 0.30% 0.30%
2.54% 0.56% 2.15% 9/29/2000 4 Stars 4 Stars OUT OF 535 FUNDS Intermediate Core-Plus Bond View Details
CREF Core Bond Account (R4) (QCBMFX)
Fixed Income / CREF Variable Annuity 0.10% / 0.10%
0.36%
2.51% 0.22%* 1.77%* 9/16/2022
3/01/1990
4 Stars 4 Stars OUT OF 431 FUNDS Intermediate Core Bond
Alerts

CREF Core Bond Account (R4)

MNSCU INDIVIDUAL RETIREMENT ACCOUNT PLAN: The investment will not be available to receive new contributions (or transferred accumulations), but existing accumulations in the investment may remain invested in it.
MNSCU SUPPLEMENTAL RETIREMENT PLAN: The investment will not be available to receive new contributions (or transferred accumulations), but existing accumulations in the investment may remain invested in it.
MNSCU TAX SHELTERED ANNUITY PLAN: The investment will not be available to receive new contributions (or transferred accumulations), but existing accumulations in the investment may remain invested in it.
View Details
CREF Equity Index Account (R4) (QCEQFX)
Equities / CREF Variable Annuity 0.03% / 0.03%
3.30%
23.71% 13.77%* 12.38%* 9/16/2022
4/29/1994
3 Stars 3 Stars OUT OF 1280 FUNDS Large Blend
Alerts

CREF Equity Index Account (R4)

MNSCU INDIVIDUAL RETIREMENT ACCOUNT PLAN: The investment will not be available to receive new contributions (or transferred accumulations), but existing accumulations in the investment may remain invested in it.
MNSCU SUPPLEMENTAL RETIREMENT PLAN: The investment will not be available to receive new contributions (or transferred accumulations), but existing accumulations in the investment may remain invested in it.
MNSCU TAX SHELTERED ANNUITY PLAN: The investment will not be available to receive new contributions (or transferred accumulations), but existing accumulations in the investment may remain invested in it.
View Details
CREF Global Equities Account (R4) (QCGLFX)
Equities / CREF Variable Annuity 0.10% / 0.10%
3.14%
19.27% 11.38%* 9.68%* 9/16/2022
5/01/1992
4 Stars 4 Stars OUT OF 319 FUNDS Global Large-Stock Blend
Alerts

CREF Global Equities Account (R4)

MNSCU INDIVIDUAL RETIREMENT ACCOUNT PLAN: The investment will not be available to receive new contributions (or transferred accumulations), but existing accumulations in the investment may remain invested in it.
MNSCU SUPPLEMENTAL RETIREMENT PLAN: The investment will not be available to receive new contributions (or transferred accumulations), but existing accumulations in the investment may remain invested in it.
MNSCU TAX SHELTERED ANNUITY PLAN: The investment will not be available to receive new contributions (or transferred accumulations), but existing accumulations in the investment may remain invested in it.
View Details
CREF Growth Account (R4) (QCGRFX)
Equities / CREF Variable Annuity 0.07% / 0.07%
2.57%
32.21% 17.29%* 15.20%* 9/16/2022
4/29/1994
4 Stars 4 Stars OUT OF 1020 FUNDS Large Growth
Alerts

CREF Growth Account (R4)

MNSCU INDIVIDUAL RETIREMENT ACCOUNT PLAN: The investment will not be available to receive new contributions (or transferred accumulations), but existing accumulations in the investment may remain invested in it.
MNSCU SUPPLEMENTAL RETIREMENT PLAN: The investment will not be available to receive new contributions (or transferred accumulations), but existing accumulations in the investment may remain invested in it.
MNSCU TAX SHELTERED ANNUITY PLAN: The investment will not be available to receive new contributions (or transferred accumulations), but existing accumulations in the investment may remain invested in it.
View Details
CREF Inflation-Linked Bond Account (R4) (QCILFX)
Fixed Income / CREF Variable Annuity 0.06% / 0.06%
0.62%
3.59% 2.95%* 2.50%* 9/16/2022
5/01/1997
5 Stars 5 Stars OUT OF 139 FUNDS Inflation-Protected Bond
Alerts

CREF Inflation-Linked Bond Account (R4)

MNSCU INDIVIDUAL RETIREMENT ACCOUNT PLAN: The investment will not be available to receive new contributions (or transferred accumulations), but existing accumulations in the investment may remain invested in it.
MNSCU SUPPLEMENTAL RETIREMENT PLAN: The investment will not be available to receive new contributions (or transferred accumulations), but existing accumulations in the investment may remain invested in it.
MNSCU TAX SHELTERED ANNUITY PLAN: The investment will not be available to receive new contributions (or transferred accumulations), but existing accumulations in the investment may remain invested in it.
View Details
CREF Money Market Account (R4) (QCMMFX)
Money Market / CREF Variable Annuity 0.04% / 0.04%
0.25%
5.29% 2.39%* 1.60%* 9/16/2022
4/01/1988

N/A

0 Stars
0 Stars
Money Market-Taxable
Alerts

CREF Money Market Account (R4)

MNSCU INDIVIDUAL RETIREMENT ACCOUNT PLAN: The investment will not be available to receive new contributions (or transferred accumulations), but existing accumulations in the investment may remain invested in it.
MNSCU SUPPLEMENTAL RETIREMENT PLAN: The investment will not be available to receive new contributions (or transferred accumulations), but existing accumulations in the investment may remain invested in it.
MNSCU TAX SHELTERED ANNUITY PLAN: The investment will not be available to receive new contributions (or transferred accumulations), but existing accumulations in the investment may remain invested in it.
View Details
7-day current annualized yield 4.38% as of 1/21/2025 7-day effective annualized yield 4.48% as of 1/21/2025

You could lose money by investing in the CREF Money Market Account. Because the accumulation unit value of the Account will fluctuate, the value of your investment may increase or decrease. An investment in the Account is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. The Account's sponsor has no legal obligation to provide support to the Account, and you should not expect that the sponsor will provide financial support to the Account at any time.

Interested in Brokerage Investments?

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Daily Year-to-Date returns for this investment is as of 1/21/2025.

Daily Year-to-Date returns for this investment is as of 1/21/2025.

CREF Core Bond Account (R4):

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

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

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

Daily Year-to-Date returns for this investment is as of 1/21/2025.

CREF Equity Index Account (R4):

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

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

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

Daily Year-to-Date returns for this investment is as of 1/21/2025.

CREF Global Equities Account (R4):

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

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

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

Daily Year-to-Date returns for this investment is as of 1/21/2025.

CREF Growth Account (R4):

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

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

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

Daily Year-to-Date returns for this investment is as of 1/21/2025.

CREF Inflation-Linked Bond Account (R4):

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

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

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

Daily Year-to-Date returns for this investment is as of 1/21/2025.

CREF Money Market Account (R4):

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

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

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

Daily Year-to-Date returns for this investment is as of 1/21/2025.

You can enroll now

Enroll or make changes in your plan(s) today

1These asset allocation approaches are intended to serve as educational tools to help you identify a mix of assets that may be able to help you meet your investment goals and should not be deemed to be investment advice. Your circumstances are unique and you need to assess your own situation and consult with an investment adviser to receive personalized advice. All examples used are hypothetical and are designed for illustrative purposes only.

Investing involves risk. There is no assurance that the goals will be met. The ultimate decision on asset allocation is yours to make. It is up to you to implement this asset mix if you choose to do so. In considering these model allocations for your portfolio, keep in mind that they do not take into account your other assets or other sources of retirement income. It's therefore important that you consider your entire personal financial situation in evaluating the proposed portfolio. In addition, your circumstances may change over time so review your financial strategy periodically to make sure it continues to meet your goals and needs.

Nothing contained herein is a recommendation to buy, sell or exchange any fund or account. We cannot guarantee the suitability or potential value of any investment and we are not responsible for any losses incurred on any investment.

There is no guarantee that asset allocation reduces risk or increases returns.