TIAA-CREF Funds - Institutional Class

Lifecycle 2035 (TCIIX )

The Lifecycle 2035 Fund seeks high total return over time through a combination of capital appreciation and income.

Net asset value as of 03/19/2010 : $8.23
Total return year-to-date as of 03/19/2010 : 3.65%
Fund's net invested assets as of 12/31/2009 : $501.28 million
Gross Expense Ratio : 0.68%
Net Expense Ratio 1 : 0.47%
Inception date : 01/17/2007
Investment class : Lifecycle

Performance Comparison
	Performance Data as of 03/18/2010			Average Annual Total Returns as of 02/28/2010
	Net Asset Values	Net Change	YTD Return	1 Year	3 Year	5 Year	10 Year	Since Inception
Lifecycle 2035 2	$8.28	-0.12%	4.28%	51.14%	-5.31%	0.65%	--	2.14%
2035 Fund Composite Index 3	--	--	4.11%	50.53%	-5.18%	1.01%	--	2.43%

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.

In addition to asset allocation risk, the Lifecycle Funds are subject to the risks associated with the types of securities held by each of their underlying funds. For equity securities, these risks may include market risk, company risk, foreign investment risk, growth investing risk, value investing risk, style risk, and small-cap/mid-cap risk. For fixed-income securities, these risks may include interest rate risk, income volatility risk, credit risk, call risk, prepayment and extension risk, and special risks for inflation-indexed bonds. This fund’s overall risk level should gradually decline as the target allocation shifts more toward fixed income with the approach of the year 2035. For a more complete discussion of these and other risks, please see the prospectus.

The net annual expense ratio represents expenses after reimbursement and waivers, while the gross annual expense ratio represents expenses without any reimbursements and waivers. These expense reimbursement arrangements will continue through at least April 30, 2010 for the Index Funds (excluding the Enhanced Index Funds) and January 31, 2010 for the other Funds, and can only be changed with approval of the Board of Trustees. Without these waivers and reimbursements, the Fund expenses would be higher and their performance would have been lower.

The fund's Retirement Class began operations on October 15, 2004. Performance shown prior to the inception of the Institutional Class is based on the performance of the fund's Retirement Class. Performance has not been restated to reflect the lower expenses of the Institutional Class. If the expense differential had been reflected, performance for these periods would have been higher.

The fund's benchmark is a weighted average of the benchmarks for each of the underlying funds in which the fund invests. The fund's target allocations to each underlying fund will change as the fund approaches its target retirement date, and the benchmark weightings will change accordingly.

TIAA-CREF Individual & Institutional Services, LLC and Teachers Personal Investors Services, Inc., members FINRA, distribute securities products. You should consider the investment objectives, risks, charges and expenses carefully before investing. Please click here or call 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.

TIAA-CREF Funds - Institutional Class

Lifecycle 2035 (TCIIX )

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