Independent fiduciary support

Transcription

TIAA-CREF Investment Fiduciary Services
Ibbotson model menus: sharing fiduciary responsibilities
Selecting a menu of investment options for your retirement plan can be challenging.
It’s important to meet your responsibility as a fiduciary while also allowing plan participants
to seek the best possible outcomes for their retirement savings. TIAA-CREF can help you
find that balance.
We have established a strategic relationship with Ibbotson Associates that gives you
the option of sharing fiduciary responsibility for your plan’s investment menu selection.
Ibbotson, an independent research company now part of Morningstar, Inc., is an authority
on asset allocation and portfolio implementation.
Ibbotson has applied its industry-recognized due diligence process to create three model
menus: Basic, Standard and Complex. These investment menus are designed to help meet
your plan’s investment objectives as well as the diverse needs of plan participants. If you
implement one of the three menus, Ibbotson will sign an Advisory Services agreement with
your organization and assume co-fiduciary responsibility for the menu and the investment
options included in it (providing assurance that it represents appropriate diversity and
prudent investment opportunity). 1
If you prefer to take on the fiduciary responsibility of creating your own menus, Ibbotson
also offers a selected list of investment options you can use to create them. Read on to
learn about each menu’s key features and advantages.
TIAA-CREF Asset Management’s mission is to create and deliver
investment solutions that meet your needs, and pursue favorable
returns on those investments.
Investment menu 1: Basic
The Basic menu allows you to create a well-diversified portfolio without having to make
complex decisions about which supplemental asset classes to include. This menu includes
all core asset classes as well as target-date allocation options.
Category/fund name (share class)
Ticker
Investment style
TIAA-CREF S&P 500 Index (Retirement)
TRSPX
Large-Cap Blend
T. Rowe Price Dividend Growth (Advisor)
TADGX
Large-Cap Blend
ASTON/Fairpointe Mid Cap (N)
CHTTX
Mid-Cap Blend
TIAA-CREF Small-Cap Blend Index (Retirement)
TRBIX
Small-Cap Blend
American Funds EuroPacific Growth (R4)
REREX
Large-Cap Blend
CREF Stock (Variable annuity)
N/A
World Stock
Metropolitan West Total Return Bond (M)
MWTRX
Intermediate-Term Bond
T. Rowe Price Short Term Bond (Advisor)
PASHX
Short-Term Bond
BlackRock Inflation Protected Bond (A)
BPRAX
Inflation-Protected Bond
TIAA-CREF Lifecycle Index 2010 (Retirement)
TLTRX
Target Date
TLGRX
Target Date
TLWRX
Target Date
TLQRX
Target Date
TLHRX
Target Date
TLYRX
Target Date
TLZRX
Target Date
TLMRX
Target Date
TLLRX
Target Date
TTIRX
Target Date
TIAA-CREF Lifecycle Index Ret Income (Retirement)
TRCIX
Retirement Income
American Funds American Balanced (R4)
RLBEX
Moderate Allocation
TIEXX
Money Market
TIAA Traditional Annuity
N/A
Guaranteed 2
TIAA Stable Value3
N/A
Guaranteed
Domestic equity
International/Global equity
Fixed income (domestic & international)
Multi-asset
Money market
TIAA-CREF Money Market (Retirement)
Guaranteed
2
Investment menu 2: Standard
The Standard menu offers participants more flexibility to tailor their investment portfolio
selections, based on individual risk tolerance and income needs. This menu includes
all core asset classes as well as additional large-cap, mid-cap, emerging market and
real estate options.
Ticker
Investment style
Prudential Jennison Growth (A)
PJFAX
Large-Cap Growth
TRSPX
Large-Cap Blend
Hartford Dividend & Growth (R4)
HDGSX
Large-Cap Value
ASTON/Fairpointe Mid Cap (N)
CHTTX
Mid-Cap Blend
Prudential Jennison Small Company (A)
PGOAX
Small-Cap Growth
American Beacon Small Cap Value (Advisor)
AASSX
Small-Cap Value
REREX
Large-Cap Blend
TIAA-CREF International Equity Index (Retirement)
TRIEX
Large-Cap Blend
Harding Loevner Emerging Markets
HLEMX
Diversified Emerging Markets
N/A
World Stock
Dreyfus Bond Market Index (Investor)
DBMIX
MWTRX
PASHX
Short-Term Bond
BPRAX
Loomis Sayles Bond (Admin)
LBFAX
High-Yield Bond
TLTRX
Target Date
TLGRX
Target Date
TLWRX
Target Date
TLQRX
Target Date
TLHRX
Target Date
TLYRX
Target Date
TLZRX
Target Date
TLMRX
Target Date
TLLRX
Target Date
TTIRX
Target Date
TRCIX
Retirement Income
CREF Social Choice (Variable annuity)
N/A
Moderate Allocation
TIEXX
Money Market
N/A
Guaranteed 2
TIAA Stable Value3
N/A
Guaranteed
N/A
US Real Estate
Domestic equity
Multi-asset
Money market
Guaranteed
Alternative
TIAA Real Estate Account (Variable annuity)
3
Investment menu 3: Complex
The Complex menu offers participants the ability to take advantage of asset classes
with a potentially higher risk/reward tradeoff. This menu provides great flexibility and
choice to participants, including more growth and value options, plus additional foreign
large-capitalization investments, specialty asset classes, and fixed income options.
Ticker
Investment style
Prudential Jennison Growth (A)
PJFAX
Large-Cap Growth
T. Rowe Price Growth Stock (Advisor)
TRSAX
Large-Cap Growth
TRSPX
Large-Cap Blend
Hartford Dividend & Growth (R4)
HDGSX
Large-Cap Value
John Hancock Disciplined Value (R3)
JDVHX
Large-Cap Value
Voya MidCap Opportunities (A)
NMCAX
Mid-Cap Growth
American Century Mid Cap Value (A)
ACLAX
Mid-Cap Value
Prudential Jennison Small Company (A)
PGOAX
Small-Cap Growth
TIAA-CREF Small-Cap Blend Index (Retirement)
TRBIX
Small-Cap Blend
American Beacon Small Cap Value (Advisor)
AASSX
Small-Cap Value
Invesco International Growth (A)
AIIEX
Large-Cap Growth
REREX
Large-Cap Blend
Oakmark International (II)
OARIX
Large-Cap Value
Columbia Acorn International (A)
LAIAX
Foreign Small/Mid-Growth
Harding Loevner Emerging Markets
HLEMX
Diversified Emerging Markets
N/A
World Stock
CREF Global Equities (Variable annuity)
N/A
World Stock
Dreyfus Bond Market Index (Investor)
DBMIX
MWTRX
American Century Government Bond (A)
ABTAX
Intermediate Government
PASHX
Short-Term Bond
BPRAX
Loomis Sayles Bond (Admin)
LBFAX
High-Yield Bond
Wells Fargo Advantage Intl Bond (A)
ESIYX
World Bond
TLTRX
Target Date
TLGRX
Target Date
TLWRX
Target Date
TLQRX
Target Date
TLHRX
Target Date
TLYRX
Target Date
TLZRX
Target Date
Domestic equity
Multi-asset
4
Get started today!
Investment menu 3: Complex (continued)
Please contact your
Relationship Manager for more
information. If you are served
exclusively by the Administrator
Telephone Center, call
888 842‑7782, 8 a.m. to
8 p.m. (ET), Monday to Friday.
Our proactive approach helps
ensure that you meet your
fiduciary responsibilities while
providing your employees
with the range of investment
choices they need to find
the combination that works
for them.
Ticker
Investment style
TLMRX
Target Date
TLLRX
Target Date
TTIRX
Target Date
TRCIX
Retirement Income
American Funds American Balanced (R4)
RLBEX
Moderate Allocation
CREF Social Choice (Variable annuity)
N/A
Moderate Allocation
TIEXX
Money Market
N/A
Guaranteed 2
TIAA Stable Value3
N/A
Guaranteed
TIAA Real Estate Account (Variable annuity)
N/A
US Real Estate
Cohen & Steers Realty Shares
CSRSX
US Real Estate
Voya Global Real Estate (A)
IGLAX
Global Real Estate
RS Global Natural Resources (A)
RSNRX
Natural Resources
Multi-asset (continued)
Money market
Guaranteed
Alternative
1
The Ibbotson investment menus are subject to change.
2
Any guarantees under annuities issued by TIAA are subject to TIAA’s claims-paying ability. TIAA Traditional is a
guaranteed insurance contract and not an investment for Federal Securities Law purposes.
3
TIAA Stable Value is an optional investment option. Please discuss with your Relationship Manager.
Consider the investment objectives, risks, charges and expenses carefully before investing.
For a prospectus that contains this and other important information, please call 800 842‑2252.
We urge you to read the prospectus carefully before investing.
Ibbotson Associates, Inc. is a registered investment advisor and wholly owned subsidiary of Morningstar, Inc.
Ibbotson Associates and TIAA-CREF are not affiliated.
TIAA-CREF Asset Management provides investment advice and portfolio management services for the TIAA-CREF
group of companies through our investment advisers including Teachers Advisors, Inc., a registered investment
adviser and wholly-owned indirect subsidiary of Teachers Insurance and Annuity Association of America (TIAA).
TIAA-CREF Individual & Institutional Services, LLC, Teachers Personal Investors Services, Inc., and Nuveen
Securities, LLC, members FINRA and SIPC, distribute securities products. Annuity contracts and certificates
are issued by Teachers Insurance and Annuity Association of America (TIAA) and College Retirement Equities
Fund (CREF), New York, NY.
©2015 Teachers Insurance and Annuity Association of America-College Retirement Equities Fund (TIAA-CREF),
730 Third Avenue, New York, NY 10017
C9287
141007557
For Institutional Investor Use Only. Not For Use With Or Distribution To The Public.
210820_335816
(03/15)

Independent fiduciary support

Transcription

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