PROSPECTUSES

Equities

CREF Equity Index Account

CREF Global Equities Account

CREF Growth Account

CREF Stock Account

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 Emerging Markets Stock Index Fund

Vanguard European Stock Index Fund

Vanguard Institutional Index Fund

Vanguard Pacific Stock Index Fund

Vanguard REIT Index Fund

Vanguard Total International Stock Index Fund

Vanguard Total Stock Market Index Fund

Real Estate

TIAA Real Estate Account

Fixed Income

CREF Bond Market Account

CREF Inflation-Linked Bond Account

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

TIAA-CREF Social Choice Bond Fund

Vanguard Inflation-Protected Securities Fund

Vanguard Intermediate-Term Treasury Fund

Vanguard Long-Term Treasury Fund

Vanguard Short-Term Treasury Fund

Vanguard Total Bond Market Index Fund

Money Market

CREF Money Market Account

TIAA-CREF Money Market Fund

Vanguard Prime Money Market Fund

Guaranteed

TIAA Stable Value

TIAA Traditional Annuity

Multi-Asset

CREF Social Choice Account

TIAA-CREF Lifecycle Index 2010 Fund

TIAA-CREF Lifecycle Index 2015 Fund

TIAA-CREF Lifecycle Index 2020 Fund

TIAA-CREF Lifecycle Index 2025 Fund

TIAA-CREF Lifecycle Index 2030 Fund

TIAA-CREF Lifecycle Index 2035 Fund

TIAA-CREF Lifecycle Index 2040 Fund

TIAA-CREF Lifecycle Index 2045 Fund

TIAA-CREF Lifecycle Index 2050 Fund

TIAA-CREF Lifecycle Index 2055 Fund

TIAA-CREF Lifecycle Index Retirement Income Fund

TIAA-CREF Managed Allocation Fund

Vanguard Balanced Index Fund

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