Included in this category are multi-asset investments that can help you prepare for your retirement, conform to your risk-tolerance level, and help you allocate investment assets in a socially responsible way.

TIAA-CREF Lifecycle Accounts are "funds of funds" that seek high total return over time through a combination of capital appreciation and income. The accounts invest in underlying mutual funds according to an asset-allocation strategy designed for investors planning to retire in — or within a few years of — the account's target year. Each account's allocation gradually will become more conservative, until the mix of equity and non-equity securities reaches approximately 35% equities/65% non-equities by each account's specific target year.

Lifecycle Accounts offer:

• "One Decision" retirement strategy: Just select the fund that's closest to your expected year of retirement.
• Built-in Rebalancing: Each account's investments automatically adjust from a more aggressive, higher risk allocation to a more conservative, lower risk allocation as the target retirement date approaches.
• A managed, diversified portfolio: Each Lifecycle Account provides a ready-made diversified portfolio using TIAA-CREF mutual funds as underlying investments that include both equity and fixed-income instruments.

Performance information for your plan's investment choices is available on this performance chart.

You can choose from among the following TIAA-CREF Lifecycle Accounts:

If you're interested in socially responsible investing, your investment choices include an annuity account that is diversified among stocks and bonds and could be used as a "single choice" option.

If you need help making the choice that's best for you, call 800 TIAA-CREF (800 842-2273) to speak to one of our consultants. However, socially responsible investments may not allow you to take advantage of certain opportunities or market trends if they are excluded because of social criteria.