Understanding Plan Fees

When it comes to planning for retirement, it's important you take into account plan fees when making investment decisions — just as you would consider how investment performance, your contribution amount, and asset allocation strategy all impact your retirement savings. 

At TIAA-CREF, we believe in transparency when it comes to your plan fees and information. The topics below address some of the most frequently asked questions regarding plan fees and the value we provide to our customers.


Who pays for plan fees?

How are expense ratios calculated?

How can you get the most from your plan?

1Guarantees are subject to the claims-paying ability of the issuer. Payments from the variable accounts will rise or fall based on investment performance.

2While risk management is a key strategy at TIAA-CREF, no strategy or investment policy can eliminate or anticipate all market risks

3Using an advice methodology from Ibbotson Associates, Inc.

4-CREF Tuition Financing Inc. (TFI) is the 529 college savings plans Program Manager.

5Based on Morningstar data (3/31/12), the expense ratio on all mutual fund products managed by TIAA-CREF are generally less than half the mutual fund industry average.

You should consider the investment objectives, risks, charges and expenses carefully before investing. Please call 877 518-9161 or log on to tiaa-cref.org for a prospectus that contains this and other information. Please read the prospectus carefully before investing.

TIAA-CREF Individual & Institutional Services, LLC, and Teachers Personal Investors Services, Inc., members FINRA, distribute securities products. Annuity contracts and certificates are issued by Teachers Insurance and Annuity Association (TIAA) and College Retirement Equities Fund (CREF), New York, NY.

Investment, insurance and annuity products are not FDIC insured, are not bank guaranteed, are not deposits, are not insured by any federal government agency, are not a condition to any banking service or activity, and may lose value.

TIAA-CREF products may be subject to market and other risk factors. See the applicable product literature, or visit tiaa-cref.org for details.

©2012 Teachers Insurance and Annuity Association-College Retirement Equities Fund (TIAA-CREF), 730 Third Avenue, New York, NY 10017.


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