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TIAA-CREF QUARTERLY PERFORMANCE |
Lenoir-Rhyne Employee Supplemental Plan
As of 03/31/2009
As of 03/31/2009
The performance data quoted represents past performance, and is no guarantee of future results. Your returns and the principal value of your investment will fluctuate so that your mutual fund shares/variable annuity account accumulation units, when redeemed, may be worth more or less than their original cost. Current performance may be lower or higher than the performance quoted. For performance current to the most recent month-end, call 800 TIAA-CREF (800 842-2273).
Annuity account options are available through annuity contracts issued by TIAA or CREF. These contracts are designed for retirement or other long-term goals, and offer a variety of income options, including lifetime income. Payments from the variable annuity accounts are not guaranteed and will rise or fall based on investment performance. Mutual funds do not offer the range of income options available through annuities.
There are inherent risks in investing in mutual funds and variable annuity accounts including loss of principal. Please be sure to read carefully the notes that appear at the end of this section for details.
| Equities As of 03/31/2009 | Total Returns | Average Annual Total Returns | Gross/Net Expense Charge |
Fee Waiver Expiration |
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| Variable Annuity | Symbol | Inception Date | 3-Month | YTD | 1 Year |
5 Years |
10 Years |
Since Inception | |||
|
CREF Equity Index Account Account number: 008 See notes: 25, 34, 105, 121 |
-- | 04/29/94 | -10.86% | -10.86% | -38.35% | -4.95% | -2.57% | 5.45% | 0.56%/0.56% | -- | |
|
CREF Global Equities Account Account number: 006 See notes: 25, 34, 105, 121 |
-- | 05/01/92 | -11.19% | -11.19% | -43.13% | -4.10% | -2.41% | 4.79% | 0.66%/0.66% | -- | |
|
CREF Growth Account Account number: 007 See notes: 25, 34, 105, 121 |
-- | 04/29/94 | -3.97% | -3.97% | -34.88% | -4.63% | -5.75% | 3.81% | 0.63%/0.63% | -- | |
|
CREF Stock Account Account number: 002 See notes: 25, 34, 105, 121 |
-- | 08/01/52 | -10.59% | -10.59% | -40.31% | -4.14% | -2.08% | 9.13% | 0.62%/0.62% | -- | |
| Mutual Fund | |||||||||||
|
TIAA-CREF International Equity Fund Fund number: 013 See notes: 34, 121, 131 |
TRERX | 10/01/02 | -15.61% | -15.61% | -51.47% | -3.76% | -- | 3.83% | 0.79%/0.79% | -- | |
|
TIAA-CREF Large-Cap Value Fund Fund number: 014 See notes: 34, 121 |
TRLCX | 10/01/02 | -12.83% | -12.83% | -41.64% | -5.16% | -- | 1.82% | 0.74%/0.74% | -- | |
|
TIAA-CREF Mid-Cap Growth Fund Fund number: 015 See notes: 34, 121 |
TRGMX | 10/01/02 | -2.98% | -2.98% | -41.25% | -4.35% | -- | 4.12% | 0.81%/0.81% | -- | |
|
TIAA-CREF Mid-Cap Value Fund Fund number: 016 See notes: 34, 121 |
TRVRX | 10/01/02 | -9.14% | -9.14% | -41.01% | -1.96% | -- | 5.80% | 0.77%/0.77% | -- | |
|
TIAA-CREF Small-Cap Equity Fund Fund number: 028 See notes: 34, 121, 131 |
TRSEX | 10/01/02 | -14.99% | -14.99% | -37.50% | -6.15% | -- | 2.84% | 0.78%/0.78% | -- | |
| Real Estate As of 03/31/2009 | Total Returns | Average Annual Total Returns | Gross/Net Expense Charge |
Fee Waiver Expiration |
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| Variable Annuity | Symbol | Inception Date | 3-Month | YTD | 1 Year |
5 Years |
10 Years |
Since Inception | |||
|
TIAA Real Estate Account Account number: 009 See notes: 25, 34, 101, 105 |
-- | 10/02/95 | -8.36% | -8.36% | -21.87% | 5.14% | 6.20% | 6.77% | 0.84%/0.84% | -- | |
| Fixed Income As of 03/31/2009 | Total Returns | Average Annual Total Returns | Gross/Net Expense Charge |
Fee Waiver Expiration |
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| Variable Annuity | Symbol | Inception Date | 3-Month | YTD | 1 Year |
5 Years |
10 Years |
Since Inception | |||
|
CREF Bond Market Account Account number: 005 See notes: 25, 34, 105, 121 |
-- | 03/01/90 | 0.47% | 0.47% | 0.22% | 3.12% | 5.14% | 6.67% | 0.58%/0.58% | -- | |
|
CREF Inflation-Linked Bond Account Account number: 010 See notes: 25, 34, 105 |
-- | 05/01/97 | 4.17% | 4.17% | -2.77% | 3.68% | 6.86% | 6.32% | 0.56%/0.56% | -- | |
| Money Market As of 03/31/2009 | Yields | Total Returns | Average Annual Total Returns | Gross/Net Expense Charge |
Fee Waiver Expiration |
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| Variable Annuity | Symbol | Inception Date | 7-Day Current Yield* |
3-Month | YTD | 1 Year |
5 Years |
10 Years |
Since Inception | ||
|
CREF Money Market Account Account number: 003 See notes: 25, 30, 34, 78, 105, 121 |
-- | 04/01/88 | 0.37 | 0.11% | 0.11% | 1.67% | 3.17% | 3.24% | 4.57% | 0.54%/0.54% | -- |
| *The current yield more closely reflects the earnings of this investment choice. | |||||||||||
| Guaranteed As of 03/31/2009 | Rates of Return | ||||||||||
| Guaranteed Annuity | 1 Year |
5 Years |
10 Years |
Current Rate |
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|
TIAA Traditional Account Account number: 001 See notes: 26, 32, 101, 105 |
4.41% | 3.55% | 5.52% | 3.00% | |||||||
| Multi-Asset As of 03/31/2009 | Total Returns | Average Annual Total Returns | Gross/Net Expense Charge |
Fee Waiver Expiration |
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| Variable Annuity | Symbol | Inception Date | 3-Month | YTD | 1 Year |
5 Years |
10 Years |
Since Inception | |||
|
CREF Social Choice Account Account number: 004 See notes: 25, 34, 105, 121 |
-- | 03/01/90 | -6.36% | -6.36% | -24.85% | -1.62% | 0.59% | 7.21% | 0.59%/0.59% | -- | |
| Mutual Fund | |||||||||||
|
TIAA-CREF Lifecycle Fund 2010 Fund number: 135 See notes: 34, 121, 301 |
TCLEX | 10/15/04 | -5.32% | -5.32% | -23.66% | -- | -- | -1.12% | 0.87%/0.66% | 01/31/10 | |
|
TIAA-CREF Lifecycle Fund 2015 Fund number: 136 See notes: 34, 121, 301 |
TCLIX | 10/15/04 | -6.28% | -6.28% | -26.86% | -- | -- | -1.86% | 0.89%/0.67% | 01/31/10 | |
|
TIAA-CREF Lifecycle Fund 2020 Fund number: 137 See notes: 34, 121, 301 |
TCLTX | 10/15/04 | -7.22% | -7.22% | -30.09% | -- | -- | -2.83% | 0.92%/0.69% | 01/31/10 | |
|
TIAA-CREF Lifecycle Fund 2025 Fund number: 138 See notes: 34, 121, 301 |
TCLFX | 10/15/04 | -8.24% | -8.24% | -33.20% | -- | -- | -3.75% | 0.94%/0.70% | 01/31/10 | |
|
TIAA-CREF Lifecycle Fund 2030 Fund number: 139 See notes: 34, 121, 301 |
TCLNX | 10/15/04 | -9.19% | -9.19% | -36.20% | -- | -- | -4.73% | 0.96%/0.71% | 01/31/10 | |
|
TIAA-CREF Lifecycle Fund 2035 Fund number: 140 See notes: 34, 121, 301 |
TCLRX | 10/15/04 | -9.72% | -9.72% | -37.92% | -- | -- | -5.06% | 0.98%/0.72% | 01/31/10 | |
|
TIAA-CREF Lifecycle Fund 2040 Fund number: 141 See notes: 34, 121, 301 |
TCLOX | 10/15/04 | -9.69% | -9.69% | -37.86% | -- | -- | -4.65% | 0.95%/0.72% | 01/31/10 | |
IMPORTANT INFORMATION
| 121 |  Data Provided by Morningstar, Inc. © 2009 Morningstar, Inc. All Rights Reserved. The information contained herein: (1) is proprietary to Morningstar and/or its content providers; (2) may not be copied or distributed; and (3) is not warranted to be accurate, complete or timely. Neither Morningstar nor its content providers are responsible for any damages or losses arising from any use of this information. |
| 34 | The returns quoted represent past performance, which is no guarantee of future results. Returns and the principal value of your investment will fluctuate. Current performance may be higher or lower than that shown above, and you may have a gain or a loss when you redeem your mutual fund shares/annuity account accumulation units. For current performance information, including performance to the most recent month-end, call 800 TIAA-CREF (800 842-2273). |
| 78 | An investment in the CREF Money Market Account is not a deposit of any bank and is neither insured nor guaranteed by the Federal Deposit Insurance Corporation or any other U.S. government agency. |
| 30 | The 7-day money market yield listed more closely reflects the current earnings of the money market annuity account than does the total return. |
| 25 | All CREF accounts estimate expenses each year based on projected expense and asset levels. Differences between actual expenses and the estimate are adjusted quarterly and are reflected in current investment results. Historically, adjustments have been small. |
| 26 | The TIAA Traditional Annuity guarantees principal and a specified interest rate (based upon TIAA's claims-paying ability). It also offers the potential for greater growth through additional amounts, which may be declared on a year-by-year basis by the TIAA Board of Trustees. If you have an RA contract, the TIAA annuity contract does not allow lump-sum cash withdrawals from the TIAA Traditional Annuity and transfers must be spread over a ten-year period. If you have a GRA contract, lump-sum withdrawals are available from the TIAA Traditional Annuity only within 120 days after termination of employment and are subject to a surrender charge. All other withdrawals and all transfers to the Real Estate Account or to CREF must be spread over a ten-year period (five years for withdrawals after termination of employment). |
| 32 | Interest credited to TIAA Traditional Annuities includes a guaranteed rate of between 1% and 3%, plus any additional amounts that are established on a year-by-year basis. The additional amounts, when declared, remain in effect through the "declaration year," which begins each March 1. |
| 101 | All displayed performance and statistical data have been compiled by TIAA-CREF. |
| 105 | Annuities are designed for retirement savings or for other long-term goals. They offer several payment options, including lifetime income. Payments from TIAA and CREF variable annuities are not guaranteed, and the payment amounts will rise or fall depending on investment returns. Mutual funds do not offer the range of income options available through annuities. |
| 131 | You will be charged a 2.00% fee of the amount redeemed or exchanged out of the fund within 60 calendar days of the initial purchase date. Please see the prospectus for details about this redemption fee and certain exemptions that may apply. The above performance data does not reflect the deduction of the redemption fee, and if reflected, the fee would reduce the performance quoted. |
| 301 | The net annual expense reflects a contractual reimbursement of various expenses by the fund’s advisor. This reimbursement may be discontinued at any time. |