SHARETIAA-CREF Lifecycle Funds Are Rated Above Average by Morningstar®1
Save For Retirement In One Easy Step
The TIAA-CREF Lifecycle Funds give you a low cost, easy way to manage your investments through your working years and into retirement. The Lifecycle Funds consist of a series of target retirement date funds in five-year increments where you select the fund that most closely matches your retirement year, e.g. a Lifecycle 2040 Fund is for an investor planning to retire in or around 2040. They are professionally managed and automatically adjust over time—relieving you of the need to make complicated investment, portfolio allocation and rebalancing decisions every year.
Explore How a Lifecycle Fund Could Work For You
Simply enter your age below to find the Lifecycle Fund that most closely matches when you plan to retire.
NOTE: The fund suggestion below assumes a minimum investment age of 18.
Asset Allocation Over Time for TIAA-CREF Lifecycle Funds
TIAA-CREF Lifecycle Funds
View Fund Details
| Asset Allocation at | |
| US Equity | |
| International Equity | |
| Fixed Income | |
| Short-Term Fixed Income | |
| Inflation Protected Assets | |
As you approach retirement, allocations automatically adjust to become more conservative. The Funds assume a retirement age of 65.
Start: 2011 Retirement Retirement
invests in underlying funds according to an asset allocation strategy designed for investors retiring near . In 2012 the fund expects to allocate approximately of assets to equity and of assets to fixed income. View details and performance of this fund 
The TIAA-CREF Retirement Income Fund seeks high return over time primarily through income, with a secondary emphasis on capital appreciation. The fund employs a more conservative asset allocation strategy consisting of 40% stocks and 60% bonds. View details and performance of this fund
What is a Lifecycle Fund?
A Lifecycle Fund is an age-appropriate, diversified mutual fund where the asset allocation (such as stocks and bonds) within the fund is automatically adjusted over time to become more conservative as retirement nears, and continues to become more conservative during retirement. It is sometimes called a ”target-date” fund, since you chose the fund that most closely matches your retirement date (the “target-date”).
Lifecycle Funds are managed by a professional investment team who aim for a high total return over time while maintaining a diversified, risk-managed exposure across a wide range of asset classes.
The TIAA-CREF Lifecycle Funds consist of a series of target-date funds in 5-year increments that seek to deliver competitive, risk-adjusted returns through your working years and into retirement. The Lifecycle Funds draw on our decades of unique asset allocation experience and offer age-appropriate asset allocation portfolios to help provide retirement security and income.
Lifecycle Funds Resources
Learn more details about the design and investment approach: Lifecycle Fund Methodology and Design (PDF)
OTHER RESOURCES
Invest Through a New Account
Open an IRA
Enroll in an employer plan*
Invest Through an Existing IRA or Employer-Sponsored Plan* †
Transfer your existing savings into this fund
Change your future contributions to allocate to this fund
Need Help Finding a Lifecycle Fund?
Give us a call at 800 842-2888
Monday - Friday, 8 a.m. - 10 p.m. (ET)
Saturday, 9 a.m. - 6 p.m. (ET)
1 Morningstar ranked Lifecycle offerings by 21 mutual fund families based on an assessment of performance, underlying fund holdings, expense ratios, glidepath construction, portfolio management and corporate governance. Morningstar uses a five point ranking scale, with “Top” the highest ranking. Past performance does not guarantee future results.
* Availability is subject to your institution’s rules.
† Requires login to your account.
