Keeping the Long View

Please note that all TIAA-CREF investment products are subject to market risk and other risk factors.

Diversification is a technique to help reduce risk. There is no absolute guarantee that diversification will protect against a loss of income.

Please follow this link [http://www.tiaa-cref.org/prospectuses/] for a current prospectus.

Diversification is a technique to help reduce risk. There is no absolute guarantee that diversification will protect against a loss of income.

TIAA-CREF Individual & Institutional Services, LLC and Teachers Personal Investors Services, Inc., members FINRA, distribute securities products.