PROSPECTUSES

Equities

AdvisorOne Amerigo Fund

AdvisorOne Descartes Fund

AdvisorOne Liahona Fund

AdvisorOne Select Allocation Fund

American Funds American Mutual Fund

American Funds EuroPacific Growth Fund

American Funds Fundamental Investors Fund

American Funds Growth Fund of America

Columbia Acorn International Fund

Columbia Mid Cap Index Fund

CREF Equity Index Account

CREF Global Equities Account

CREF Growth Account

CREF Stock Account

DFA Emerging Markets Value Portfolio

DWS Small Cap Value Fund

Eaton Vance Large-Cap Value Fund

Invesco Small Cap Value Fund

Lord Abbett Developing Growth Fund

Morgan Stanley Inst Fund Trust Mid Cap Growth Portfolio

Perkins Mid Cap Value Fund

Principal Mid Cap Fund

Prudential Jennison Growth Fund

Prudential Jennison Natural Resources Fund

RS Emerging Markets Fund

T. Rowe Price Capital Appreciation Fund

Thornburg Global Opportunities Fund

TIAA-CREF Equity Index 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

Voya Global Real Estate Fund

Real Estate

TIAA Real Estate Account

Fixed Income

CREF Bond Market Account

CREF Inflation-Linked Bond Account

Lord Abbett Short Duration Income Fund

PIMCO GNMA Fund

PIMCO Total Return Fund

Templeton Global Bond Fund

TIAA-CREF Bond Fund

TIAA-CREF Bond Index 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

AdvisorOne Clermont Fund

AdvisorOne Shelter Fund

BlackRock Global Allocation Fund

CREF Social Choice Account

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

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