TIAA-CREF Lifecycle Funds


Save For Retirement In One Easy Step

The TIAA-CREF Lifecycle Funds give you an easy way to manage your investments through your working years and into retirement. The Lifecycle Funds consist of a series of target retirement date funds in five-year increments where you select the fund that most closely matches your retirement year, e.g. a Lifecycle 2040 Fund is for an investor planning to retire in or around 2040. They are professionally managed and automatically adjust over time—relieving you of the need to make complicated investment, portfolio allocation and rebalancing decisions every year.

Explore How a Lifecycle Fund Could Work For You

Simply enter your age below to find the Lifecycle Fund that most closely matches when you plan to retire.

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 NOTE: The fund suggestion below assumes a minimum investment age of 18.

Asset Allocation Over Time for TIAA-CREF Lifecycle Funds

 US Equity  
 International Equity  
 Fixed Income  
 Short-Term Fixed Income  
 Inflation Protected Assets  
As you approach retirement, allocations automatically adjust to become more conservative. The Funds assume a retirement age of 65.

 Start: 2011  Retirement Retirement
  invests in underlying funds according to an asset allocation strategy designed for investors retiring near  . For the fund’s current target allocations click on the following link:  View details and performance of this fund
The TIAA-CREF Retirement Income Fund seeks high return over time primarily through income, with a secondary emphasis on capital appreciation. The fund employs a more conservative asset allocation strategy consisting of 40% stocks and 60% bonds.  View details and performance of this fund

What is a Lifecycle Fund?

A Lifecycle Fund is an age-appropriate, diversified mutual fund where the asset allocation (such as stocks and bonds) within the fund is automatically adjusted over time to become more conservative as retirement nears, and continues to become more conservative during retirement. It is sometimes called a ”target-date” fund, since you chose the fund that most closely matches your retirement date (the “target-date”).

Lifecycle Funds are managed by a professional investment team who aim for a high total return over time while maintaining a diversified, risk-managed exposure across a wide range of asset classes.

The TIAA-CREF Lifecycle Funds consist of a series of target-date funds in 5-year increments that seek to deliver competitive, risk-adjusted returns through your working years and into retirement. The Lifecycle Funds draw on our decades of unique asset allocation experience and offer age-appropriate asset allocation portfolios to help provide retirement security and income.


Invest Through a New Account
Open an IRA   
Enroll in an employer plan* 

Need Help Finding a Lifecycle Fund?
Give us a call at 800 842-2888
Monday - Friday, 8 a.m. - 10 p.m. (ET)
Saturday, 9 a.m. - 6 p.m. (ET)