If you lack the time or experience to research all of your retirement plan's account options, a TIAA-CREF Lifecycle Account may be right for you. Lifecycle Accounts offer a way to make a single choice for your retirement investments based on your expected year of retirement.

Lifecycle Accounts provide a ready-made portfolio of accounts using TIAA-CREF mutual funds as underlying investments with exposure to different investment choices, including stocks, bonds and real estate investments. Please keep in mind that Lifecycle Accounts share the risks associated with their underlying investments. Be sure to review the prospectus before investing.

Each Lifecycle Account starts with investment mixes generally considered appropriate for investors at different stages of retirement planning, with the goal of achieving the highest possible returns while minimizing potential risks. (Keep in mind that there is no guarantee that this objective will be met.) Then, the accounts adjust periodically to maintain an appropriate asset allocation for the remaining time horizon.

What Are the Main Benefits?

With a TIAA-CREF Lifecycle Account, you enjoy broad portfolio diversification and ongoing professional management - without the need to make complicated investment, portfolio reallocation and adjustment decisions as your time horizon changes.

Select the Lifecycle Account Closest to Your Estimated Year of Retirement.

Now all you need do is select the account that is the closest to your estimated year of retirement, using the chart below as a guide. Lifecycle Accounts are available for target retirement years of 2010 through 2040 in five-year increments.