TIAA-CREF Mutual Funds

TIAA-CREF Growth & Income Fund (Retirement)

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Daily NAV


Day's Change


Portfolio Net Assets


Gross / Net Expense Ratio

Under the Fund’s expense reimbursement arrangements, the Fund’s investment adviser, Teachers Advisors, Inc., has contractually agreed to reimburse the Fund for any Total Annual Fund Operating Expenses (excluding interest, taxes, brokerage commissions or other transactional expenses, Acquired Fund Fees and Expenses and extraordinary expenses) that exceed: 0.77% of average daily net assets for Retirement Class shares. These expense reimbursement arrangements will continue through at least February 29, 2016, unless changed with approval of the Board of Trustees.

Overall Morningstar Rating

The Overall Morningstar Rating is based on risk-adjusted return, and is a weighted average of the applicable 3-, 5-, and 10-year Ratings.

52 Week Range

0.01 (0.08%)
0.67% / 0.67%
$11.48 - $13.52
As of close 11/27/2015As of 10/31/2015
As of 10/31/2015
Based on risk adjusted returns


Management Team

Susan Kempler, CPAManaging Director, Equity Investments, Active Portfolio Management

Susan Kempler is a managing director and equity portfolio manager for the TIAA-CREF organization. Ms. Kempler manages the large-cap equity blend investment portfolios including the TIAA-CREF Growth & Income strategy. She joined TIAA-CREF in 2005.Ms. Kempler has over 25 years of investment experience. Previously, she worked at Citigroup Asset Management, where she specialized in the large- and mid-cap core equity market segments and co-managed the Smith Barney Mid Cap Core offering. In prior years, Ms. Kempler was a portfolio manager with U.S. Trust focusing on the high-net-worth market segment and an equity research analyst at Morgan Stanley, where she followed the media and entertainment sectors. Ms. Kempler earned a B.S. in economics from The Wharton School of the University of Pennsylvania. She is also a certified public accountant.

Our Investment Philosophy

The portfolio management team believes that investment opportunities exist when a stock’s fundamentals are not reflected in its valuation. Consistent relative outperformance can be captured through rigorous research and analysis that focuses on identifying stocks with clear growth drivers and attractive relative valuations. This philosophy leads the Fund to emphasize equity securities of larger, well-established, mature-growth companies that the management team believes are attractively valued, show the potential to appreciate faster than the rest of the market and offer a growing stream of dividend income. The team concentrates on finding companies that are leaders in their respective industries and have sustainable competitive advantages. They also look for companies with management teams that are dedicated to creating shareholder value.

The risks that the fund is subject to include market risk, company risk, foreign investment risks and small-cap risk