Flex Investment Approach

With our flexible investment approach, you choose from among our traditional and social choice pools plus these additional options from TIAA-CREF.

The performance data quoted represents past performance and is no guarantee of future results. Returns and the principal value of your contributions will fluctuate so that when sold may be worth more or less than their original cost. Current performance may be lower or higher than the performance quoted above.  For performance data current to the most recent month-end, please visit the performance section of tiaa.org and search for the respective fund. 

Consider the investment objectives, risks, charges and expenses carefully. Go to tiaa.org for fund prospectuses that contain this and other information. Read carefully. Please note that investing involves market risk. Investments in fixed income securities are not guaranteed and are subject to interest rate, inflation, and credit risks. Investments in foreign securities are subject to special risks, including currency fluctuation and political and economic instability. Investments in socially responsible funds are subject to social criteria risk, namely the risk that because social criteria exclude securities of certain issuers for non-financial reasons, investors may forgo some market opportunities available to those that don’t use these criteria.

The risks that the fund is subject to include asset allocation risks, active management risks and social criteria risks. This may include equity investment risks, fixed income investment risks, market risks, company risks, foreign investment risks and small-cap risks. Social criteria excludes securities of certain issuers for non-financial reasons; investors may forgo some market opportunities available to those that don’t use these criteria. Additional risks include interest rate risk, prepayment risk, extension risk, issuer risk, income volatility risk, credit risk, call risk, fixed-income foreign investment risk, market volatility, liquidity, valuation risk, mortgage roll risk, downgrade risk, non-investment-grade securities risk and derivatives risk.

Allocations to each of these funds will be subject to fund operating expenses. Please refer to each fund’s current prospectus for a detailed description of all fees and expenses. 

1Inception date is the date the investment initially launched.

2Your Giving Fund could lose money by investing in the TIAA-CREF Money Market Fund. Although the Fund seeks to preserve the value of your Giving Fund’s investment at $1.00 per share, it cannot guarantee it will do so. An investment in the Fund is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. The Fund’s sponsor has no legal obligation to provide support to the Fund, and you should not expect that the sponsor will provide financial support to the Fund at any time.

3Data provided by Morningstar, Inc. ©2017 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. Neither TIAA nor its affiliates has independently verified that accuracy or completeness of this information.

The Barclays U.S. T- Bill Index includes all publicly issued zero-coupon U.S. Treasury Bills that have a remaining maturity of less than 3 months and more than 1 month, are rated investment grade, and have $250 million or more of outstanding face value. In addition, the securities must be denominated in U.S. dollars and must be fixed rate and non-convertible. 

5The Bloomberg Barclays U.S. Aggregate Bond Index measures the performance of the U.S. investment-grade, fixed-rate bond market, including government and credit securities, agency mortgage pass-through securities, asset-backed securities and commercial mortgage-backed securities.

6The Russell 3000 Index measures the performance of the stocks of the 3,000 largest publicly traded U.S. companies, based on market capitalization. The index measures the performance of about 98% of the total market capitalization of the publicly traded U.S. equity market. 

7The S&P 500 Index is a market-capitalization-weighted index of the stocks of 500 leading companies in major industries of the U.S. economy. 

8The MSCI EAFE (Europe, Australasia, Far East) Index measures the performance of the leading stocks in 21 developed countries outside North America. The returns noted above include the calculation of reinvested net dividends. 

Donors cannot recommend investments directly in any index. Index returns do not include a deduction for fees or expenses.

TIAA·CREF Individual & Institutional Services, LLC, Teachers Personal Investors Services. Inc. and Nuveen Securities, LLC. Members FINRA and SIPC distribute securities products. Investment products are not FDIC insured, are not bank guaranteed, are not deposits, are not insured by any federal government agency, are not a condition to any banking service or activity and may lose value.

Contributions to the Giving Fund are irrevocable. All recommendations from donors are subject to review and approval by TIAA Charitable.

TIAA Charitable does not provide tax advice. Taxpayers should seek advice based on their own particular circumstances from an independent tax advisor.

TIAA Charitable is the brand name for an independent public charity that maintains a donor-advised fund program. The TIAA name is a registered mark of Teachers Insurance of America and is used by TIAA Charitable pursuant to a license.