PROSPECTUSES

Equities

American Funds Capital World Growth and Income Fund

CREF Global Equities Account (test)

CREF Stock Account (test)

Lazard Emerging Markets Equity Portfolio

MassMutual Select Mid Cap Growth Equity II Fund

TIAA-CREF Growth & Income Fund

TIAA-CREF International Equity Fund

TIAA-CREF Real Estate Securities Fund

TIAA-CREF S&P 500 Index Fund

TIAA-CREF Small-Cap Blend Index Fund

TIAA-CREF Social Choice Equity Fund

Vanguard Mid-Cap Index Fund

Wells Fargo Advantage Emerging Growth Fund

Real Estate

TIAA Real Estate Account

Fixed Income

CREF Bond Market Account (test)

CREF Inflation-Linked Bond Account (test)

MainStay High-Yield Corporate Bond Fund

PIMCO Total Return Fund

Templeton Global Bond Fund

TIAA-CREF Short-Term Bond Fund

Money Market

CREF Money Market Account (test)

TIAA-CREF Money Market Fund

Guaranteed

TIAA Traditional Annuity

Multi-Asset

CREF Social Choice Account (test)

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

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