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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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 an Existing IRA or Employer-Sponsored Plan* †
Transfer your existing savings into this fund
Change your future contributions to allocate to this fund
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)
* Availability is subject to your institution’s rules.
† Requires login to your account.
Please note that TIAA-CREF Lifecycle Funds share the risks associated with the types of securities held by each of the underlying funds in which they invest. In addition to the fees and expenses associated with the Lifecycle Funds, there is exposure to the fees and expenses associated with the underlying mutual funds as well.
Since TIAA-CREF Lifecycle Funds are actively managed, their asset allocations are subject to change and may vary from those shown or discussed. Approximately seven to ten years following a Lifecycle Fund’s target date, the fund may merge into the Lifecycle Retirement Income Fund or other similar fund.
Investment, insurance and annuity products are not FDIC insured, are not bank guaranteed, are not deposits, are not insured by any federal government agency, are not a condition to any banking service or activity, and may lose value.
TIAA-CREF Individual & Institutional Services, LLC and Teachers Personal Investors Services, Inc., members FINRA, distribute securities products.