Why TIAA-CREF mutual Funds?

• High quality funds with low fees
• Wide range of choices across all asset classes to meet your goals, time horizon, and risk tolerance
• Over a five-year period, 94% of our funds are ranked three stars or higher by Morningstar (61% three star, 28% four star, and 6% five star.)¹

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¹Based on Morningstar data for share classes that have completed one calendar year of performance. Current rankings may be higher or lower on a monthly basis. Morningstar is an independent service that rates mutual funds and variable annuities. The top 10% of accounts in an investment category receive five stars, the next 22.5% receive four stars, and the next 35% receive three stars. Morningstar proprietary ratings reflect historical risk-adjusted performance and can change every month. They are calculated from the account’s three-, five- and ten-year average annual returns in excess of 90-day Treasury bill returns with appropriate fee adjustments, and a risk factor that reflects subaccount performance below 90-day T-bill returns. The overall star ratings are Morningstar’s published ratings, which are weighted averages of its three-, five- and ten-year ratings for periods ended December 31, 2011.