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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 IRAs are available to eligible investors. Please visit http://www.tiaa-cref.org/products/ira/eligibility/eligibility-ira.html to see if you are eligible to open an IRA with TIAA-CREF.
Diversification is a technique to help reduce risk. There is no absolute guarantee that diversification will protect against a loss of income.
Rebalancing does not protect against losses or guarantee that an investor's goal will be met.
Our advisors/Individual Consultants receive no commissions. We compensate them through a salary-plus-incentive program based on client service excellence and financial results. Advisors will only recommend products that help achieve our clients' goals.
Information on our mutual fund fees is based on Morningstar Direct (June 2009) based on Morningstar expense comparisons by category.
Before transferring assets, consider the differences in features, costs, surrender charges, services, company strength, and any tax consequences.
Advisory services are provided by Advice and Planning Services, a division of TIAA-CREF Individual & Institutional Services, LLC, a registered investment advisor.
