TIAA-CREF Lifestyle Funds

A convenient, single-solution approach to investing.

Life is so busy these days, it’s no wonder why investment planning often falls to the bottom of the list. TIAA-CREF Lifestyle Funds offer a single-solution approach to investing and an easy way to achieve immediate diversification based on your risk profile.

TIAA-CREF Lifestyle Funds:

  • Invest in a combination of equity and/or fixed-income funds.
  • Target a distinct level of risk and return, ranging from conservative to aggressive.
  • Have equity exposures that increase in 20% increments, from 20% in the Income Fund, to 100% in the Aggressive Growth Fund.
  • Are monitored by professional fund managers who determine asset allocation, select underlying funds, and rebalance regularly to keep funds on track , so you can rest assured the money you’ve invested is continuously managed according to your chosen level of risk. And when your life situation or risk tolerance changes, you can move to another Lifestyle Fund.

Find the Lifestyle Fund that’s right for you
Click on the buttons below to see which risk profile and Lifestyle Fund is right for you.

TIAA-CREF Lifestyle Funds Comparison Tool

Low Risk
High Risk
  • Lifestyle
    Income
    Fund

    Income
    Risk Profile

    Your investment horizon is five years or less; so you seek greater stability and minimal risk.

  • Lifestyle
    Conservative
    Fund

    Conservative
    Risk Profile

    Your investment horizon is five-to-ten years; you’re looking to balance stability and growth opportunity.

  • Lifestyle
    Moderate
    Fund

    Moderate
    Risk Profile

    Your investment horizon is 10 or more years; you’re looking for growth opportunity with moderate risk.

  • Lifestyle
    Growth
    Fund

    Growth
    Risk Profile

    Your investment horizon is 10 years or more; you prefer greater risk for greater growth opportunity.

  • Lifestyle
    Aggressive Growth
    Fund

    Aggressive
    Risk Profile

    Your investment horizon is 10 years or more; you prefer higher risk for maximum growth opportunity.

  • Equities
  • International Equities
  • Fixed Income
  • Short Term Fixed Income
  • Lifestyle Income Fund

    Income Risk Profile

    Your investment horizon is five years or less; so you seek greater stability and minimal risk.

    Seeks current income with some capital appreciation. Asset allocation of 80% bonds and 20% stock targets a conservative, income-oriented risk/return profile. Invests predominantly in bonds, with some stocks, which can help produce a blend of income and limited capital appreciation for very conservative investors.


    View Fund Profile

  • Lifestyle Conservative Fund

    Conservative Risk Profile

    Your investment horizon is five-to-ten years; you’re looking to balance stability and growth opportunity.

    Seeks long-term returns consisting of current income and capital appreciation. Asset allocation of 60% bonds and 40% stocks targets a conservative risk/return profile. Invests in bonds and stocks, which can help produce a blend of income and capital appreciation for conservative investors.


    View Fund Profile

  • Lifestyle Moderate Fund

    Moderate Risk Profile

    Your investment horizon is 10 or more years; you’re looking for growth opportunity with moderate risk.

    Seeks long-term total return, consisting of capital appreciation and current income. Asset allocation of 60% stocks and 40% bonds targets a moderate risk/return profile. Invests in stocks and bonds, which can help produce a blend of capital appreciation and income for investors with a moderate risk tolerance over time.


    View Fund Profile

  • Lifestyle Growth Fund

    Growth Risk Profile

    Your investment horizon is 10 years or more; you prefer greater risk for greater growth opportunity.

    Seeks long-term growth of capital with some current income. Asset allocation of 80% stocks and 20% bonds targets a moderately aggressive, growth-oriented risk/return profile. Invests predominantly in stocks, with some bond exposure, to help grow principal over time for moderately aggressive investors.


    View Fund Profile

  • Lifestyle Aggressive Growth Fund

    Aggressive Risk Profile

    Your investment horizon is 10 years or more; you prefer higher risk for maximum growth opportunity.

    Seeks long-term growth of capital. Asset allocation of 100% stocks targets an aggressive, growth-oriented risk/return profile. Invests predominately in stocks, which can help grow principal over time for investors with an aggressive risk tolerance.


    View Fund Profile

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Open an Account  Need help? 800 223-1200

Helping you achieve your goals
The Lifestyle Funds offer many advantages for investors interested in a diversified and professionally managed portfolio.

Still not sure? We can help you choose the Lifestyle Fund that most closely matches your risk profile and investment goals, whether that’s retirement, saving for college or a home, or all of the above. Call us at 800 223-1200.

As your investing goals change over time
Your preferences can change over time — you may become more cautious as you near retirement, or decide you can tolerate more risk. You may also experience a triggering event, like the birth of a child, so be sure to reassess goals regularly and if your situation has changed, you may want to choose another Lifestyle Fund that more closely matches your new risk profile.

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