PROSPECTUSES

Equities

American Funds New Perspective Fund

CREF Equity Index Account

CREF Global Equities Account

CREF Growth Account

CREF Stock Account

DFA U.S. Small Cap Portfolio

DFA U.S. Small Cap Value Portfolio

MFS Massachusetts Investors Growth Stock Fund

Oppenheimer Developing Markets Fund

Principal Mid Cap Fund

T. Rowe Price Equity Income Fund

TIAA-CREF Emerging Markets Equity Fund

TIAA-CREF Emerging Markets Equity Index Fund

TIAA-CREF Equity Index Fund

TIAA-CREF Global Natural Resources Fund

TIAA-CREF Growth & Income Fund

TIAA-CREF International Equity Fund

TIAA-CREF International Equity Index Fund

TIAA-CREF Large-Cap Growth 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 S&P 500 Index Fund

TIAA-CREF Small-Cap Blend Index Fund

TIAA-CREF Small-Cap Equity Fund

TIAA-CREF Social Choice Equity Fund

Vanguard Energy Fund

Vanguard Growth Index Fund

Vanguard REIT Index Fund

Vanguard Small-Cap Growth Index Fund

Vanguard Total Stock Market Index Fund

Real Estate

TIAA Real Estate Account

Fixed Income

BlackRock High Yield Bond Fund

CREF Bond Market Account

CREF Inflation-Linked Bond Account

PIMCO Real Return Fund

PIMCO Total Return Fund

Prudential Short-Term Corporate Bond Fund

Templeton Global Bond Fund

TIAA-CREF Bond Fund

TIAA-CREF Bond Plus Fund

TIAA-CREF High-Yield Fund

TIAA-CREF Inflation-Linked 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

American Funds American Balanced Fund

CREF Social Choice Account

PIMCO Commodity Real Return Strategy Fund

TIAA-CREF Lifecycle 2010 Fund

TIAA-CREF Lifecycle 2015 Fund

TIAA-CREF Lifecycle 2020 Fund

TIAA-CREF Lifecycle 2025 Fund

TIAA-CREF Lifecycle 2030 Fund

TIAA-CREF Lifecycle 2035 Fund

TIAA-CREF Lifecycle 2040 Fund

TIAA-CREF Lifecycle 2045 Fund

TIAA-CREF Lifecycle 2050 Fund

TIAA-CREF Lifecycle 2055 Fund

TIAA-CREF Lifecycle Retirement Income Fund

TIAA-CREF Managed Allocation Fund

C2145

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 www.tiaa-cref.org for details.

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.

© 2013 and prior years, Teachers Insurance and Annuity Association-College Retirement Equities Fund (TIAA-CREF), 730 Third Avenue, New York, NY 10017.