Given today's turmoil, you may be anxious about moving 401(k) or IRA funds around. But with TIAA-CREF, there are plenty of reasons to feel good about rolling over.

For over 90 years, we've consistently put our participants' interests first, with an investment philosophy based on a long-term vision and prudent diversification.

Last year, over 245,000 people moved their money to TIAA-CREF.

Now is a good time to speak with one of our noncommissioned retirement specialists³ about rolling over assets to a no-fee² TIAA-CREF IRA.

Together, we'll come up with a plan to help you meet your goals.

Prospectus

The TIAA-CREF Difference

• A consistent, responsible investment philosophy for over 90 years
  
  
• Personalized, objective advice
  
  
• A wide selection of funds, 96% of which are rated 3 or more stars by Morningstar⁴ across all asset classes
  
  

• 8 a.m. to 10 p.m. (ET) Monday — Friday
  
• 9 a.m. to 6 p.m. (ET) Saturday
  
  

¹ Rollover and transfers may be subject to differences in features, costs, surrender charges and other important aspects. Indirect transfers may be subject to taxation and penalties. Consult your tax advisor regarding your particular situation.
² There is no account fee to own a TIAA-CREF IRA; however, brokerage transaction fees may still apply. In addition, investors are subject to the underlying fund's/account's portfolio management fees and expenses.
³ Our consultants receive no commissions. They are compensated through a salary-plus-incentive program that emphasizes client service excellence.
⁴ As of March 31, 2009. Morningstar star ratings are based on risk-adjusted returns. Past performance is no guarantee of future results. TIAA-CREF products may be subject to market and other risk factors. See the applicable product literature or visit tiaa-cref.org for details. Our funds have been negatively impacted due to the recent market volatility. For current performance, please visit tiaa-cref.org/performance.

Annuity contracts and certificates are issued by Teachers Insurance and Annuity Association (TIAA) and College Retirement Equities Fund (CREF), New York, NY. TIAA-CREF Individual & Institutional Services, LLC and Teachers Personal Investors Services, Inc., members FINRA, distribute securities products

Investment products are not FDIC insured, may lose value and are not bank guaranteed. You should consider the investment objectives, risks, charges and expenses carefully before investing. Please read the prospectus that contains this and other information before investing.