PROSPECTUSES

Equities

American Funds Capital World Growth and Income Fund

American Funds Capital World Growth and Income Fund

BlackRock Global Small Cap Fund

Columbia Small Cap Value Fund I

CREF Equity Index Account

CREF Global Equities Account

CREF Growth Account

CREF Stock Account

Lazard Emerging Markets Equity Portfolio

TIAA-CREF Equity Index Fund

TIAA-CREF Growth & Income Fund

TIAA-CREF Growth & Income Fund

TIAA-CREF International Equity Fund

TIAA-CREF International Equity Fund

TIAA-CREF International Equity Index Fund

TIAA-CREF Large-Cap Growth Index Fund

TIAA-CREF Large-Cap Value Fund

TIAA-CREF Large-Cap Value Index Fund

TIAA-CREF Mid-Cap Growth Fund

TIAA-CREF Mid-Cap Value Fund

TIAA-CREF Real Estate Securities Fund

TIAA-CREF Real Estate Securities Fund

TIAA-CREF S&P 500 Index Fund

TIAA-CREF S&P 500 Index Fund

TIAA-CREF Small-Cap Blend Index Fund

TIAA-CREF Small-Cap Blend Index Fund

TIAA-CREF Small-Cap Equity Fund

TIAA-CREF Social Choice Equity Fund

TIAA-CREF Social Choice Equity Fund

Vanguard Mid-Cap Index Fund

Wells Fargo Advantage Emerging Growth Fund

Wells Fargo Advantage Emerging Growth Fund

Real Estate

TIAA Real Estate Account

Fixed Income

CREF Bond Market Account

CREF Inflation-Linked Bond Account

MainStay High-Yield Corporate Bond Fund

MainStay High-Yield Corporate Bond Fund

PIMCO Total Return Fund

PIMCO Total Return Fund

Templeton Global Bond Fund

TIAA-CREF Short-Term Bond Fund

TIAA-CREF Short-Term Bond Fund

Money Market

CREF Money Market Account

TIAA-CREF Money Market Fund

Guaranteed

TIAA Traditional Annuity

Multi-Asset

CREF Social Choice Account

TIAA-CREF Lifecycle 2010 Fund

TIAA-CREF Lifecycle 2010 Fund

TIAA-CREF Lifecycle 2015 Fund

TIAA-CREF Lifecycle 2015 Fund

TIAA-CREF Lifecycle 2020 Fund

TIAA-CREF Lifecycle 2020 Fund

TIAA-CREF Lifecycle 2025 Fund

TIAA-CREF Lifecycle 2025 Fund

TIAA-CREF Lifecycle 2030 Fund

TIAA-CREF Lifecycle 2030 Fund

TIAA-CREF Lifecycle 2035 Fund

TIAA-CREF Lifecycle 2035 Fund

TIAA-CREF Lifecycle 2040 Fund

TIAA-CREF Lifecycle 2040 Fund

TIAA-CREF Lifecycle 2045 Fund

TIAA-CREF Lifecycle 2045 Fund

TIAA-CREF Lifecycle 2050 Fund

TIAA-CREF Lifecycle 2050 Fund

TIAA-CREF Lifecycle 2055 Fund

TIAA-CREF Lifecycle 2055 Fund

TIAA-CREF Lifecycle Retirement Income Fund

TIAA-CREF Lifecycle Retirement Income Fund

C10279