S&P 500 Index

(TISPX)

The fund seeks a favorable long-term total return, mainly through capital appreciation, by investing primarily in a portfolio of equity securities of large domestic companies selected to track U.S. equity markets based on a market index.

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Net asset value as of 11/06/2009: $12.22
Total return year-to-date as of 11/06/2009: 20.87%
Fund's net invested assets as of 09/30/2009: $1.13 billion
Gross Expense Ratio: 0.06%
Net Expense Ratio*: 0.06%
Inception date: 10/01/2002
Investment class: U.S. Equity

Performance Comparison
	Performance Data as of 11/06/2009			Average Annual Total Returns as of 10/31/2009
	Net Asset Value	Net Change	YTD Return	1 Year	3 Year	5 Year	10 Year	Since Inception^¡
S&P 500 Index	$12.22	+0.33%	20.87%	9.78%	-7.03%	0.29%	--	4.84%
Standard & Poor's 500® Index^†	--	+0.26%	20.86%	9.80%	-7.02%	0.33%	--	4.93%

The performance data quoted represents past performance, and is no guarantee of future results. Your returns and the principal value of your investment will fluctuate so that your shares, when redeemed, may be worth more or less than their original cost. Current performance may be lower or higher than the performance quoted above.

¡	From November 30, 2007 on, the since inception performance shown is computed from the inception date of the fund (the date on which the fund became publicly available). Previously, since inception performance for this fund was computed from the net asset value per share on the day prior to the inception date.
†	The S&P 500® Index is a market capitalization-weighted index of 500 leading companies in leading industries of the U.S. economy. You cannot invest directly in this index. S&P 500 is a registered trademark and service mark of the McGraw-Hill Companies.

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. Annuity contracts and certificates are issued by Teachers Insurance and Annuity Association (TIAA) and College Retirement Equities Fund (CREF), New York, NY. Investment products are not FDIC insured, may lose value, and are not bank guaranteed.

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