¹Account assets in the FDIC-Insured Portfolio are 100% invested in an interest-bearing custodial account at TIAA Bank, a division of TIAA, FSB and an affiliate of the Program Manager. As of January 2, 2019, investments in the FDIC-Insured Portfolio will earn an Annual Percentage Yield (APY) of 0.45%, and because those investments are in a variable-rate, interest-bearing deposit account at TIAA Bank, the APY may change without notice in TIAA Bank’s sole discretion. The APY with respect to the FDIC-Insured Portfolio may be higher or lower than the APY available to individuals or entities making deposits directly with TIAA Bank or other depository institutions in comparable accounts. There is no minimum investment to invest in the FDIC-Insured Portfolio. Fees may reduce earnings. For additional information on the FDIC-Insured Portfolio, including information on compounding and crediting of interest, please see the Program Disclosure Statement and Participation Agreement.

²As of prior market close.

The performance data quoted represent past performance and are net of all fees and expenses. Past performance is not a guarantee of future results. Performance may be substantially affected over time by changes in the Investment Options’ target asset allocations or changes in the Investment Options’ underlying investments. Investment returns and the principal value will fluctuate so that your Account, when redeemed, may be worth more or less than the amounts contributed to your Account. Since inception figures represent cumulative, non-annualized returns.

Fees and Expenses