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Retirement Investments & IRAs: Standardized Prior Quarter-End Performance

Retirement plans may not offer all investment choices shown below or may offer additional investment selections. Please log in to Secure Access and click "Performance Charts" at the bottom of the Account homepage to view the investment options available to you.

CREF Variable Annuities
  Average Annual Total Returns as of 10/31/2014  
  1 Year 3 Year 5 Year 10 Year Since Inception Inception Date
World
CREF Global Equities 8.67% 14.96% 11.67% 6.86% 7.73% 05/01/1992
U.S./International Equity
CREF Stock 10.60% 16.02% 13.48% 7.49% 9.93% 07/31/1952
U.S. Equity
CREF Equity Index 15.63% 19.30% 16.57% 8.13% 9.36% 04/29/1994
CREF Growth 18.42% 19.73% 17.17% 8.76% 8.17% 04/29/1994
Balanced
CREF Social Choice 8.43% 11.07% 10.43% 6.46% 8.64% 03/01/1990
Fixed Income
CREF Bond Market 3.99% 2.96% 4.25% 4.21% 6.29% 03/01/1990
CREF Inflation-Linked Bond 1.66% 0.60% 3.99% 4.17% 5.71% 05/01/1997
Money Market 1
CREF Money Market -- -- -- 1.52% 3.59% 04/01/1988
  7-day current annualized yield 0.00% as of 12/19/2014
7-day effective annualized yield 0.00% as of 12/19/2014
TIAA Variable Annuities
  Average Annual Total Returns as of 10/31/2014  
  1 Year 3 Year 5 Year 10 Year Since Inception Inception Date
Real Estate
TIAA Real Estate 11.05% 10.25% 10.48% 4.80% 6.37% 10/02/1995
TIAA-CREF Funds - Retirement Class 2
  Average Annual Total Returns as of 10/31/2014 3 Expense Ratios 4  
  1 Year 3 Year 5 Year 10 Year Since Inception 2 Gross Net Inception Date
World
Global Natural Resources -7.06% -- -- -- -1.90% 0.99% 0.99% 11/01/2011
International
Emerging Markets Equity -3.05% 2.76% -- -- 2.21% 1.20% 1.20% 08/31/2010
Emerging Markets Equity Index 0.17% 2.97% -- -- 2.72% 0.54% 0.50% 08/31/2010
International Equity 5 -4.62% 11.62% 8.06% 5.68% 4.57% 0.76% 0.76% 10/01/2002
International Equity Index 0.11% 10.32% 6.77% 5.70% 8.64% 0.32% 0.32% 10/01/2002
U.S. Equity
Equity Index 5 15.76% 19.42% 16.64% 8.30% 4.84% 0.32% 0.32% 03/31/2006
Growth & Income 5 15.26% 19.46% 16.13% 9.81% 5.08% 0.70% 0.70% 10/01/2002
Large-Cap Growth 17.89% 20.28% 17.45% -- 8.30% 0.71% 0.71% 03/31/2006
Large-Cap Growth Index 16.72% 18.93% 17.03% 8.67% 9.54% 0.32% 0.32% 10/01/2002
Large-Cap Value 11.51% 19.42% 15.11% 7.55% 10.01% 0.70% 0.70% 10/01/2002
Large-Cap Value Index 16.07% 19.99% 16.11% 7.55% 9.55% 0.32% 0.32% 10/01/2002
Mid-Cap Growth 10.40% 17.67% 17.82% 9.41% 12.17% 0.72% 0.72% 10/01/2002
Mid-Cap Value 14.62% 19.03% 16.81% 10.02% 12.88% 0.70% 0.70% 10/01/2002
S&P 500 Index 16.84% 19.37% 16.30% 7.85% 9.26% 0.31% 0.31% 10/01/2002
Small-Cap Blend Index 8.01% 18.15% 17.21% 8.44% 11.25% 0.41% 0.41% 10/01/2002
Small-Cap Equity 9.08% 18.39% 17.66% 8.16% 11.22% 0.80% 0.80% 10/01/2002
Social Choice Equity 5 14.59% 18.43% 15.96% 8.21% 4.70% 0.43% 0.43% 10/01/2002
Fixed Income
Bond 5 4.36% 3.77% 4.63% 4.47% 5.48% 0.57% 0.57% 03/31/2006
Bond Index 3.80% 2.31% 3.76% -- 3.84% 0.37% 0.37% 09/14/2009
Bond Plus 4.73% 4.42% 5.51% -- 5.07% 0.58% 0.58% 03/31/2006
High-Yield 5.29% 8.32% 9.37% -- 7.79% 0.62% 0.62% 03/31/2006
Inflation-Linked Bond 6 1.56% 0.53% 3.89% 4.13% 4.73% 0.52% 0.52% 03/31/2006
Short-Term Bond 0.88% 1.53% 2.31% -- 3.25% 0.53% 0.53% 03/31/2006
Social Choice Bond 6.89% -- -- -- 3.43% 0.85% 0.65% 09/21/2012
Money Market
Money Market 5, 7 -- -- -- 1.61% 2.15% 0.38% 0.38% 03/31/2006
  7-day current annualized yield 0.00% as of 12/19/2014
7-day effective annualized yield 0.00% as of 12/19/2014
Asset Allocation
Managed Allocation 7.20% 11.44% 10.59% -- 5.62% 0.71% 0.67% 03/31/2006
Real Estate
Real Estate Securities 19.27% 14.45% 19.00% 7.86% 11.24% 0.77% 0.77% 10/01/2002
Lifecycle
Lifecycle 2010 6.00% 9.12% 8.97% 5.74% 5.85% 0.82% 0.64% 10/15/2004
Lifecycle 2015 6.41% 9.99% 9.63% 5.90% 6.03% 0.83% 0.65% 10/15/2004
Lifecycle 2020 6.92% 11.12% 10.40% 6.00% 6.13% 0.84% 0.66% 10/15/2004
Lifecycle 2025 7.41% 12.22% 11.13% 6.10% 6.25% 0.86% 0.68% 10/15/2004
Lifecycle 2030 7.82% 13.28% 11.83% 6.13% 6.28% 0.87% 0.69% 10/15/2004
Lifecycle 2035 8.12% 14.22% 12.45% 6.38% 6.54% 0.88% 0.70% 10/15/2004
Lifecycle 2040 8.35% 14.74% 12.72% 6.71% 6.89% 0.88% 0.71% 10/15/2004
Lifecycle 2045 8.35% 14.70% 12.66% -- 4.16% 0.90% 0.71% 11/30/2007
Lifecycle 2050 8.29% 14.73% 12.70% -- 4.13% 0.91% 0.71% 11/30/2007
Lifecycle 2055 8.35% 14.74% -- -- 9.05% 1.08% 0.71% 04/29/2011
Lifecycle Retirement Income 5.43% 8.12% 8.11% -- 4.69% 0.85% 0.63% 11/30/2007
Lifestyle
Lifestyle Income 3.73% -- -- -- 5.61% 1.10% 0.69% 12/09/2011
Lifestyle Conservative 5.41% -- -- -- 8.83% 0.99% 0.73% 12/09/2011
Lifestyle Moderate 6.95% -- -- -- 12.05% 1.00% 0.78% 12/09/2011
Lifestyle Growth 7.70% -- -- -- 14.53% 1.17% 0.81% 12/09/2011
Lifestyle Aggressive Growth 8.58% -- -- -- 17.07% 1.22% 0.84% 12/09/2011

The performance data quoted represents past performance, and is no guarantee of future results. For Variable Annuities and Mutual Funds 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.

Click here for performance current to the most recent month-end or call 800 842-2242.

1.
Beginning July 16, 2009, part or all of the 12b-1 distribution expenses and/or administrative expenses attributable to the CREF Money Market Account are being voluntarily waived. Without these waivers, the 7-day current and effective annualized yields and total returns would have been lower. These waivers may be discontinued at any time without notice. Amounts waived on or after October 1, 2010 are subject to possible recovery by TIAA under certain conditions. Please see the prospectus for additional information. An investment in this account is not a deposit of any bank and is neither insured nor guaranteed by the Federal Deposit Insurance Corporation or any other U.S. government agency. It is possible to lose money in this Account. The current yield more closely reflects the account's current earnings than does the total return.
2.
Mutual Fund performance information posted here is for the TIAA-CREF Funds - Retirement Class only.

The Since Inception values presented for the Lifecycle 2055 Fund, Global Natural Resources Fund, Lifestyle Income Fund, Lifestyle Conservative Fund, Lifestyle Moderate Fund, Lifestyle Growth Fund and Lifestyle Aggressive Growth Fund are cumulative values and not average annualized total returns.
3.
Performance figures include the reinvestment of all dividends and any capital gains distribution.
4.
The net annual expense ratio represents expenses after reimbursement and waivers, while the gross annual expense ratio represents expenses without any reimbursements and waivers. Certain funds have expense reimbursement arrangements that will continue through at least July 31, 2015, except for equity funds and lifestyle funds, which have an expiration date of February 28, 2015 and September 30, 2015, respectively, and can only be changed with approval of the Board of Trustees. Without these waivers and reimbursements, Fund expenses would be higher and their performance would have been lower.
5.
The fund's Institutional Class began operations on July 1, 1999. Performance shown prior to the inception of the Retirement Class is based on the performance of the fund's Institutional Class. Performance has not been restated to reflect the higher expenses of the Retirement Class. If the expense differential had been reflected, performance for these periods would have been lower.
6.
The fund's Institutional Class began operations on October 1, 2002. Performance shown prior to the inception of the Retirement Class is based on the performance of the fund's Institutional Class. Performance has not been restated to reflect the higher expenses of the Retirement Class. If the expense differential had been reflected, performance for these periods would have been lower.
7.
Beginning August 18, 2009, part or all of the service and investment management fees of the Retirement Class of the TIAA-CREF Money Market Fund are being voluntarily waived. Without these waivers, the 7-day current and effective annualized yields and total returns would have been lower. These voluntary fee waivers may be discontinued at any time without notice.

The TIAA-CREF Money Market Fund is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. Although the fund seeks to preserve the value of your investment at $1 per share, it is possible to lose money by investing in the fund.
The current yield more closely reflects the fund's current earnings than does the total return.

TIAA-CREF Individual & Institutional Services, LLC, and Teachers Personal Investors Services, Inc., and Nuveen Securities, LLC, members FINRA and SIPC, distribute securities products. You should consider the investment objectives, risks, charges and expenses carefully before investing. Please click here or call 877 518-9161 for a product and the underlying fund prospectuses that contains this and other information. Please read the prospectus carefully before investing. Investment, insurance and annuity products are not FDIC insured, are not bank guaranteed, are not deposits, are not insured by any federal government agency, and are not a condition to any banking service or activity and may lose value.

© 2014 and prior years, Teachers Insurance and Annuity Association - College Retirement Equities Fund (TIAA-CREF), New York, NY 10017