# EDGAR Filing Document

**Accession Number:** 0001084380
**File Stem:** 0000930413-26-000575
**Filing Date:** 2026-2
**Character Count:** 24289
**Document Hash:** 4e38c612af866fc2301c06e2af0ebefe
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0000930413-26-000575.hdr.sgml**: 20260227

**ACCESSION NUMBER**: 0000930413-26-000575

**CONFORMED SUBMISSION TYPE**: 497K

**PUBLIC DOCUMENT COUNT**: 6

**FILED AS OF DATE**: 20260227

**DATE AS OF CHANGE**: 20260226

**EFFECTIVENESS DATE**: 20260227

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** TIAA-CREF FUNDS
- **CENTRAL INDEX KEY:** 0001084380

**ORGANIZATION NAME:**
- **EIN:** 134055167
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 0930

**FILING VALUES:**
- **FORM TYPE:** 497K
- **SEC ACT:** 1933 Act
- **SEC FILE NUMBER:** 333-76651
- **FILM NUMBER:** 26691012

**BUSINESS ADDRESS:**
- **STREET 1:** 730 THIRD AVE.
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10017
- **BUSINESS PHONE:** 2129166746

**MAIL ADDRESS:**
- **STREET 1:** 730 THIRD AVE.
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10017

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** TIAA CREF INSTITUTIONAL MUTUAL FUNDS
- **DATE OF NAME CHANGE:** 19990415

## Series and Classes Contracts Data

### Nuveen Large Cap Growth Index Fund (Series ID: S000005387)

| Class ID   | Class Name       | Ticker Symbol   |
|:---|:---|:---|
| C000014660 | Class R6         | TILIX           |
| C000014661 | Retirement Class | TRIRX           |
| C000162564 | Class I          | TRIHX           |
| C000202753 | Class W          | TRIWX           |

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| | | |
|:---|:---|:---|
| ![](img_3d84534079bc4.jpg) | **Mutual <br>Funds** | **Summary Prospectus** |

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## Nuveen Large Cap Growth Index Fund

#### FEBRUARY 27, 2026

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| | | | | |
|:---|:---|:---|:---|:---|
| **Class:** | **Class I** | **Class R6** | **Retirement** | **Class W** |
| Ticker: | TRIHX | TILIX | TRIRX | TRIWX |

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*This summary prospectus is designed to provide investors with key Fund information in a clear and concise format. Before you invest, you may want to review the Fund's complete prospectus, which contains more information about the Fund and its risks. You can find the Fund's prospectus, reports to shareholders and other information about the Fund online at www.nuveen.com/prospectus. You can also get this information at no cost by calling 800-257-8787 or by sending an e-mail request to mutualfunds@nuveen.com. If you purchase shares of the Fund through a broker-dealer or other financial intermediary (such as a bank), the prospectus, reports to shareholders and other information will also be available from your financial intermediary. The Fund's prospectus and statement of additional information, both dated February 27, 2026, are incorporated by reference into this summary prospectus and may be obtained, free of charge, at the website, phone number or e-mail address noted above.* 

#### Investment objective
The Fund seeks a favorable long-term total return, mainly through capital appreciation, by investing primarily in a portfolio of equity securities of large domestic growth companies based on a market index.

#### Fees and expenses
The following tables describe the fees and expenses that you may pay if you buy, hold and sell shares of the Fund. **You may pay other fees, such as brokerage commissions and other fees to financial intermediaries, when buying or selling shares of the Fund, which are not reflected in the tables and examples below.**

Nuveen Large Cap Growth Index Fund ■ **Summary Prospectus** &nbsp;&nbsp;&nbsp;&nbsp;1

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#### SHAREHOLDER FEES (fees paid directly from your investment)

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| | | | | |
|:---|:---|:---|:---|:---|
| | **<br>Class I** | **<br>Class R6** | **Retirement <br>Class** | **Class W** |
| Maximum sales charge (load) imposed on purchases <br>(as a percentage of offering price) | 0% | 0% | 0% | 0% |
| Maximum deferred sales charge (load) | 0% | 0% | 0% | 0% |
| Maximum sales charge (load) imposed on reinvested <br>dividends and other distributions | 0% | 0% | 0% | 0% |
| Redemption or exchange fee | 0% | 0% | 0% | 0% |
| Maximum account fee | 0% | 0% | 0% | 0% |

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#### ANNUAL FUND OPERATING EXPENSES (expenses that you pay each year as a percentage of the value of your investment) <sup></sup>

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| | | | | |
|:---|:---|:---|:---|:---|
|  | **Class I** | **Class R6** | **Retirement <br>Class** | **Class W** |
| Management fees | 0.04%  | 0.04%  | 0.04%  | 0.04%  |
| Other expenses | 0.08%  | 0.01%  | 0.25%  | 0.01% <br><sup>1</sup>  |
| Total annual Fund operating expenses | 0.12%  | 0.05%  | 0.29%  | 0.05%  |
| Waivers and expense reimbursements<sup>2</sup> | —  | —  | —  | (0.05)% <br><sup>3</sup>  |
| Total annual Fund operating expenses after <br> fee waiver and/or expense reimbursement | 0.12%  | 0.05%  | 0.29%  | 0.00%  |

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| | |
|:---|:---|
| 1 | Estimate is for the current fiscal year. |
| 2 | Under the Fund's expense reimbursement arrangements, the Fund's investment adviser, Teachers Advisors, LLC, has contractually agreed to reimburse the Fund for any Total annual Fund operating expenses (excluding interest, taxes, brokerage commissions or other transactional expenses, Acquired fund fees and expenses and extraordinary expenses) that exceed: (i) 0.24% of average daily net assets for Class I shares; (ii) 0.09% of average daily net assets for Class R6 shares; (iii) 0.34% of average daily net assets for Retirement Class shares; and (iv) 0.09% of average daily net assets for Class W shares of the Fund. These expense reimbursement arrangements will continue through at least February 28, 2027, unless changed with approval of the Board of Trustees. |
| 3 | Teachers Advisors, LLC has contractually agreed to waive and/or reimburse Class W's Management fees and Other expenses (excluding interest, taxes, brokerage commissions or other transactional expenses, Acquired fund fees and expenses, Trustee expenses and extraordinary expenses) in their entirety. Teachers Advisors, LLC expects these waiver and/or reimbursement arrangements to remain in effect indefinitely, unless changed or terminated with approval of the Board of Trustees. |

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#### Example
This example is intended to help you compare the cost of investing in shares of the Fund with the cost of investing in other mutual funds. The example assumes that you invest $10,000 in the Fund for the time periods indicated and then redeem all your shares at the end of those periods. The example also assumes that your investment has a 5% return each year and that the Fund's operating expenses, before fee waivers and/or expense reimbursements, remain the same. The example assumes that the Fund's fee waiver and/or expense reimbursement arrangements will each remain in place for the durations noted in the table above. Although your actual costs may be higher or lower, based on these assumptions your costs would be:

2&nbsp;&nbsp;&nbsp;&nbsp; **Summary Prospectus** ■ Nuveen Large Cap Growth Index Fund

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| | | | | |
|:---|:---|:---|:---|:---|
|  | **Class I** | **Class R6** | **Retirement <br>Class** | **Class W** |
| 1 year | $12 | $5 | $30 | $0 |
| 3 years | $39 | $16 | $93 | $0 |
| 5 years | $68 | $28 | $163 | $0 |
| 10 years | $154 | $64 | $368 | $0 |

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#### Portfolio turnover
The Fund pays transaction costs, such as commissions, as applicable, when it buys and sells securities (or "turns over" its portfolio). A higher portfolio turnover rate may indicate higher transaction costs and may result in higher taxes when Fund shares are held in a taxable account. These costs, which are not reflected in annual fund operating expenses or in the example, affect the Fund's performance. During the fiscal year ended October 31, 2025, the Fund's portfolio turnover rate was 27% of the average value of its portfolio.

#### Principal investment strategies
Under normal circumstances, the Fund invests at least 80% of its assets in securities of its benchmark index, the Russell 1000<sup>®</sup> Growth Index. The Russell 1000 Growth Index is a subset of the Russell 1000 Index, which represents the performance of the large-cap growth segment of the U.S. equity universe. It includes those Russell 1000 Index companies with higher relative price-to-book ratios and higher forecasted growth values. The Fund buys most, but not necessarily all, of the stocks in its benchmark index, and will attempt to closely match the overall investment characteristics of its benchmark index. For purposes of the 80% investment policy, the term "assets" means net assets, plus the amount of any borrowings for investment purposes.

The Fund is designed to track various U.S. equity markets as a whole or a segment of these markets. The Fund primarily invests its assets in equity securities its investment adviser, Teachers Advisors, LLC ("Advisors"), has selected to track a designated stock market index. Because the return of an index is not reduced by investment and other operating expenses, the Fund's ability to match the returns of the Russell 1000 Growth Index is negatively affected by the costs of buying and selling securities as well as the Fund's fees and other expenses. The use of a particular index by the Fund is not a fundamental policy and may be changed without shareholder approval. The portfolio management team of Advisors will attempt to build a portfolio that generally matches the market weighted investment characteristics of the Fund's benchmark index.

The Fund is classified as a diversified investment company, as defined under the Investment Company Act of 1940, as amended (the "1940 Act"). However, the Fund may become non-diversified under the 1940 Act without the approval of Fund shareholders solely as a result of a change in relative market capitalization

Nuveen Large Cap Growth Index Fund ■ **Summary Prospectus** &nbsp;&nbsp;&nbsp;&nbsp;3

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or index weighting of one or more constituents of its benchmark index, the Russell 1000 Growth Index, which the Fund seeks to track.

#### Principal investment risks
You could lose money over short or long periods by investing in this Fund. An investment in the Fund, due to the nature of the Fund's portfolio holdings, typically is subject to the following principal investment risks:

&nbsp;&nbsp;&nbsp;&nbsp;· **Market Risk**—The risk that market prices of portfolio investments held by the Fund may fluctuate rapidly or unpredictably due to a variety of factors, including responses to government actions or interventions, or changing economic, political or market conditions. Market risk may affect a single issuer, industry or sector of the economy, or it may affect the market as a whole. Such conditions may add significantly to the risk of volatility in the net asset value ("NAV") of the Fund's shares and adversely affect the Fund and its investments. From time to time, the Fund may invest a significant portion of its assets in companies in one or more related sectors or industries, which would make the Fund more vulnerable to adverse developments affecting such sectors or industries. The Fund currently invests a significant portion of its assets in companies in the information technology sector, although this may change over time.

&nbsp;&nbsp;&nbsp;&nbsp;· **Index Risk**—The risk that the Fund's performance may not correspond to its benchmark index for any period of time and may underperform such index or the overall financial market. Additionally, to the extent that the Fund's investments vary from the composition of its benchmark index, the Fund's performance could potentially vary from the index's performance to a greater extent than if the Fund merely attempted to replicate the index.

&nbsp;&nbsp;&nbsp;&nbsp;· **Issuer Risk** (often called **Financial Risk**)—The risk that an issuer's earnings prospects, credit rating and overall financial position will deteriorate, causing a decline in the value of the issuer's financial instruments over short or extended periods of time.

&nbsp;&nbsp;&nbsp;&nbsp;· **Style Risk**—The risk that use of a particular investing style (such as growth or value investing) may fall out of favor in the marketplace for various periods of time and result in underperformance relative to the broader market sector or significant declines in the value of the Fund's portfolio investments.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· **Risks of Growth Investing**—Due to their relatively high valuations, growth stocks are typically more volatile than value stocks and may experience a larger decline on a forecast of lower earnings, or a negative event or market development, than would a value stock.

&nbsp;&nbsp;&nbsp;&nbsp;· **Large-Cap Risk**—The risk that large-capitalization companies are more mature and may grow more slowly than the economy as a whole and tend to go in and out of favor based on market and economic conditions.

4&nbsp;&nbsp;&nbsp;&nbsp; **Summary Prospectus** ■ Nuveen Large Cap Growth Index Fund

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&nbsp;&nbsp;&nbsp;&nbsp;· **Non-Diversification Risk**—While the Fund is considered to be a diversified investment company under the 1940 Act, the Fund may become non-diversified under the 1940 Act without Fund shareholder approval when necessary to continue to track its benchmark index. Non-diversified status means that the Fund can invest a greater percentage of its assets in the securities of a single issuer than a diversified fund. Investing in a non-diversified fund involves greater risk than investing in a diversified fund because a loss in value of a particular investment may have a greater effect on the fund's return since that investment may represent a larger portion of the fund's total portfolio assets.

*Please see the non-summary portion of the Prospectus for more detailed information about the risks described above.*

#### Past performance
The following chart and table help illustrate some of the risks of investing in the Fund by showing changes in the Fund's performance from year to year. The bar chart shows the annual total returns of Class R6 of the Fund, before taxes, in each full calendar year for the last ten years. Because the expenses vary across share classes, the performance of Class R6 may vary from the other share classes. Below the bar chart are the best and worst returns of Class R6 for a calendar quarter during the full calendar-year periods covered by the bar chart. The performance table following the bar chart shows the Fund's average annual total returns for Class R6, Class I and the Retirement Class over the applicable one-year, five-year, ten-year and since-inception periods ended December 31, 2025, and how those returns compare to those of the Fund's broad-based securities market index and benchmark index. Performance information is not included for Class W as it is not currently operational. After-tax performance is shown only for Class R6 shares, and after-tax returns for the other classes of shares will vary from the after-tax returns presented for Class R6 shares.

The returns shown below reflect previous agreements by Advisors to waive or reimburse the Fund for certain fees and expenses. Without these waivers and reimbursements, the returns of the Fund would have been lower. Past performance of the Fund (before and after taxes) is not necessarily an indication of how it will perform in the future. The broad-based securities market index and benchmark index listed below are unmanaged, and you cannot invest directly in an index. The returns for the broad-based securities market index and benchmark index reflect no deduction for fees, expenses or taxes.

*For current performance information of each share class, including performance to the most recent month-end, please visit www.nuveen.com/performance or call 800-257-8787.*

Nuveen Large Cap Growth Index Fund ■ **Summary Prospectus** &nbsp;&nbsp;&nbsp;&nbsp;5

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#### ANNUAL TOTAL RETURNS FOR CLASS R6 SHARES (%)

#### Nuveen Large Cap Growth Index Fund
![PerformanceBarChartData(2016:7.05, 2017:30.07, 2018:-1.55, 2019:36.27, 2020:38.43, 2021:27.52, 2022:-29.17, 2023:42.63, 2024:33.28, 2025:18.5)](img_fb922d5954f24.jpg)

Best quarter: 27.79%, for the quarter ended June 30, 2020. Worst quarter: -20.95%, for the quarter ended June 30, 2022.

#### AVERAGE ANNUAL TOTAL RETURNS
For the Periods Ended December 31, 2025

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| | | | |
|:---|:---|:---|:---|
| **Class name (Inception date)** | **One year** | **Five years** | **Ten years** |
| **Class R6 (10/01/2002)** |  |  |  |
| Return before taxes | 18.50% | 15.26% | 18.06% |
| Return after taxes on distributions | 17.10% | 13.60% | 16.88% |
| Return after taxes on distributions |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;and sale of Fund shares | 11.60% | 11.71% | 15.01% |
| **Class I (12/04/2015)** |  |  |  |
| Return before taxes | 18.43% | 15.14% | 17.94% |
| **Retirement Class (10/01/2002)** |  |  |  |
| Return before taxes | 18.21% | 14.98% | 17.77% |
| Russell 1000<sup>®</sup> Index |  |  |  |
| (reflects no deductions for fees, expenses or taxes) | 17.37% | 13.59% | 14.59% |
| Russell 1000<sup>®</sup> Growth Index |  |  |  |
| (reflects no deductions for fees, expenses or taxes) | 18.56% | 15.32% | 18.13% |
| *Current performance of the Fund's shares may be higher or lower than that shown above.* | *Current performance of the Fund's shares may be higher or lower than that shown above.* | *Current performance of the Fund's shares may be higher or lower than that shown above.* | *Current performance of the Fund's shares may be higher or lower than that shown above.* |
| After-tax returns are calculated using the historical highest individual federal marginal income tax rates in effect during the periods shown and do not reflect the impact of state and local taxes. Actual after-tax returns depend on the investor's tax situation and may differ from those shown. The after-tax returns shown are not relevant to investors who hold their Fund shares through tax-deferred arrangements such as 401(a), 401(k) or 403(b) plans or Individual Retirement Accounts (IRAs). After-tax returns are shown for only one class, and after-tax returns for other classes will vary. | After-tax returns are calculated using the historical highest individual federal marginal income tax rates in effect during the periods shown and do not reflect the impact of state and local taxes. Actual after-tax returns depend on the investor's tax situation and may differ from those shown. The after-tax returns shown are not relevant to investors who hold their Fund shares through tax-deferred arrangements such as 401(a), 401(k) or 403(b) plans or Individual Retirement Accounts (IRAs). After-tax returns are shown for only one class, and after-tax returns for other classes will vary. | After-tax returns are calculated using the historical highest individual federal marginal income tax rates in effect during the periods shown and do not reflect the impact of state and local taxes. Actual after-tax returns depend on the investor's tax situation and may differ from those shown. The after-tax returns shown are not relevant to investors who hold their Fund shares through tax-deferred arrangements such as 401(a), 401(k) or 403(b) plans or Individual Retirement Accounts (IRAs). After-tax returns are shown for only one class, and after-tax returns for other classes will vary. | After-tax returns are calculated using the historical highest individual federal marginal income tax rates in effect during the periods shown and do not reflect the impact of state and local taxes. Actual after-tax returns depend on the investor's tax situation and may differ from those shown. The after-tax returns shown are not relevant to investors who hold their Fund shares through tax-deferred arrangements such as 401(a), 401(k) or 403(b) plans or Individual Retirement Accounts (IRAs). After-tax returns are shown for only one class, and after-tax returns for other classes will vary. |

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6&nbsp;&nbsp;&nbsp;&nbsp; **Summary Prospectus** ■ Nuveen Large Cap Growth Index Fund

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#### Portfolio management
**Investment Adviser.** Teachers Advisors, LLC.

#### Portfolio Managers.

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| | | | |
|:---|:---|:---|:---|
| **Name:** | **Philip James (Jim) Campagna, CFA** | **Darren Tran, CFA** | **Nazar Romanyak, CFA** |
| Title: | Senior Managing Director | Managing Director | Senior Director |
| Experience on Fund: | since 2005 | since 2019 | since 2024 |

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#### Purchase and sale of Fund shares
You may purchase, redeem or exchange shares of the Fund on any day that the New York Stock Exchange ("NYSE") or its affiliated exchanges, NYSE Arca Equities or NYSE American, are open for trading (each such day a "Business Day") directly from the Fund (for certain share classes) or through a financial advisor, employee benefit plan or other financial intermediary. The Fund's initial and subsequent investment minimums generally are as follows, although certain financial intermediaries may impose their own investment minimums and the Fund may reduce or waive the minimums in some cases:

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| | | |
|:---|:---|:---|
|  | **Eligibility and Minimum Initial Investment** | **Minimum Additional Investment** |
| **Class I** | **Available only through fee-based programs and certain retirement plans, and to other limited categories of investors as described in the Prospectus.**<br>**$100,000 for all accounts except:**<br>· **$250 for clients of financial intermediaries and family offices that have accounts holding Class I shares with an aggregate value of at least $100,000 (or that are expected to reach this level).**<br>· **No minimum for eligible retirement plans and certain other categories of eligible investors as described in the Prospectus.** | **No minimum.** |
| **Class R6** | **Available only to certain eligible investors as described in the Prospectus and through fee-based programs.**<br>**$1 million for all accounts except:**<br>· **$1,000 for clients of financial intermediaries who charge such clients an ongoing fee for advisory, investment, consulting or related services.** | **No minimum.** |
| **Retirement Class** | **Available only through certain employee benefit plans, other types of savings plans or accounts and certain financial intermediaries as described in the Prospectus.**<br>**No minimum.** | **No minimum.** |
| **Class W** | **Available directly from the Fund only by funds advised by Advisors or its affiliates or other clients or accounts of Advisors or its affiliates that are subject to a contractual fee for advisory, management or other similar or related services provided by Advisors or its affiliates.**<br>**No minimum.** | **No minimum.** |

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Nuveen Large Cap Growth Index Fund ■ **Summary Prospectus** &nbsp;&nbsp;&nbsp;&nbsp;7

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#### Tax information
The Fund intends to make distributions to shareholders that may be taxed as ordinary income or capital gains. Distributions made to tax-exempt shareholders or shareholders who hold Fund shares in a tax-deferred account are generally not subject to income tax in the current year, but redemptions made from tax-deferred accounts may be subject to income tax.

#### Payments to broker-dealers and other financial intermediary compensation
If you purchase shares of the Fund through a broker-dealer or other financial intermediary (such as a bank), the Fund and/or its related companies may pay the financial intermediary for providing investor services. The Fund's related companies may also pay the financial intermediary for the sale of Fund shares and related services. These payments may create a conﬂict of interest by influencing the broker-dealer or other financial intermediary and your salesperson to recommend the Fund over another investment. Ask your salesperson or visit your financial intermediary's website for more information.

8&nbsp;&nbsp;&nbsp;&nbsp; **Summary Prospectus** ■ Nuveen Large Cap Growth Index Fund

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| ![](img_67ad1dd5e4ab4.jpg) | Printed on paper containing recycled fiber | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;MPM-TCFXLCG-0226P |

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<br>MPM-TCFXLCG-0226P

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