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Mutual Fund IRA
TIAA-CREF Mutual Funds can be used to fund an IRA1. Mutual funds from TIAA-CREF offer:
•  A range of investment choices - IRAs funded with our mutual funds offer a wide selection of no-load funds to create a portfolio tailored to specific investment objectives. As with any mutual fund, performance is not guaranteed and principal and returns will fluctuate.
•  Low-cost2/no annual IRA fees - TIAA-CREF mutual funds have some of the lowest expenses in the industry.2 Total expenses range from 0.14 percent to 0.86 percent. In addition, currently there are no withdrawal3 or transaction fees.

1 Mutual Funds offered by TIAA-CREF comprise the TIAA-CREF Mutual Funds and the TIAA-CREF Institutional Mutual Funds - Retail Class.
2 Morningstar Datalab Charting Tool Report Peer Group Analysis (February 2006) based on Morningstar expense comparisons by category.
3

Income taxes will be due when you withdraw your money, and if you are under age 59½, you may also be subject to a 10 percent early withdrawal penalty. Investment return and principal value will fluctuate so an investor's share, when redeemed, will be worth more or less than the original cost.

TIAA-CREF Individual & Institutional Services, LLC and Teachers Personal Investors Services, Inc. distribute securities products. You should consider the investment objectives, risks, charges and expenses carefully before investing. Please click here or call 1 877 518-9161 for a prospectus that contains this and other information. Please read the prospectus carefully before investing.


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