# EDGAR Filing Document

**Accession Number:** 0000777535
**File Stem:** 0000930413-26-001544
**Filing Date:** 2026-5
**Character Count:** 7113
**Document Hash:** 3bb27dbc6df6d6bf472b30266bc44280
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0000930413-26-001544.hdr.sgml**: 20260511

**ACCESSION NUMBER**: 0000930413-26-001544

**CONFORMED SUBMISSION TYPE**: 497VPU

**PUBLIC DOCUMENT COUNT**: 2

**FILED AS OF DATE**: 20260511

**DATE AS OF CHANGE**: 20260511

**EFFECTIVENESS DATE**: 20260511

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** COLLEGE RETIREMENT EQUITIES FUND
- **CENTRAL INDEX KEY:** 0000777535

**ORGANIZATION NAME:**
- **EIN:** 136022042
- **STATE OF INCORPORATION:** NY
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 497VPU
- **SEC ACT:** 1933 Act
- **SEC FILE NUMBER:** 033-00480
- **FILM NUMBER:** 26961325

**BUSINESS ADDRESS:**
- **STREET 1:** 730 THIRD AVE
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10017
- **BUSINESS PHONE:** 2129164905

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

## Series and Classes Contracts Data

### Total Global Stock Account (Series ID: S000005080)

| Class ID   | Class Name   | Ticker Symbol   |
|:---|:---|:---|
| C000154473 | Class R1     | QCSTRX          |
| C000154474 | Class R2     | QCSTPX          |
| C000154475 | Class R3     | QCSTIX          |
| C000234671 | Class R4     | QCSTFX          |

### Global Equities Account (Series ID: S000005081)

| Class ID   | Class Name   | Ticker Symbol   |
|:---|:---|:---|
| C000154476 | Class R1     | QCGLRX          |
| C000154477 | Class R2     | QCGLPX          |
| C000154478 | Class R3     | QCGLIX          |
| C000234672 | Class R4     | QCGLFX          |

### Growth Account (Series ID: S000005082)

| Class ID   | Class Name   | Ticker Symbol   |
|:---|:---|:---|
| C000154479 | Class R1     | QCGRRX          |
| C000154480 | Class R2     | QCGRPX          |
| C000154481 | Class R3     | QCGRIX          |
| C000234673 | Class R4     | QCGRFX          |

### S&P 500 Index Account (Series ID: S000005083)

| Class ID   | Class Name   | Ticker Symbol   |
|:---|:---|:---|
| C000154482 | Class R1     | QCEQRX          |
| C000154483 | Class R2     | QCEQPX          |
| C000154484 | Class R3     | QCEQIX          |
| C000234674 | Class R4     | QCEQFX          |

### Core Bond Account (Series ID: S000005084)

| Class ID   | Class Name   | Ticker Symbol   |
|:---|:---|:---|
| C000154485 | Class R1     | QCBMRX          |
| C000154486 | Class R2     | QCBMPX          |
| C000154487 | Class R3     | QCBMIX          |
| C000234675 | Class R4     | QCBMFX          |

### Inflation-Linked Bond Account (Series ID: S000005085)

| Class ID   | Class Name   | Ticker Symbol   |
|:---|:---|:---|
| C000154488 | Class R1     | QCILRX          |
| C000154489 | Class R2     | QCILPX          |
| C000154490 | Class R3     | QCILIX          |
| C000234676 | Class R4     | QCILFX          |

### Responsible Balanced Account (Series ID: S000005086)

| Class ID   | Class Name   | Ticker Symbol   |
|:---|:---|:---|
| C000154491 | Class R1     | QCSCRX          |
| C000154492 | Class R2     | QCSCPX          |
| C000154493 | Class R3     | QCSCIX          |
| C000234677 | Class R4     | QSCCFX          |

### Money Market Account (Series ID: S000005087)

| Class ID   | Class Name   | Ticker Symbol   |
|:---|:---|:---|
| C000154494 | Class R1     | QCMMRX          |
| C000154495 | Class R2     | QCMMPX          |
| C000154496 | Class R3     | QCMMIX          |
| C000234678 | Class R4     | QCMMFX          |

---

| | | |
|:---|:---|:---|
| ![](x4_c116327x1x1.jpg) | &nbsp;&nbsp;&nbsp;**College**<br> **Retirement**<br> **Equities Fund** | &nbsp;&nbsp;&nbsp;**Supplement** |

---

COLLEGE RETIREMENT EQUITIES FUND ("CREF")

SUPPLEMENT NO. 1<br> dated May 11, 2026 to the Summary Prospectus for New Investors ("ISP") and the Updating Summary Prospectus ("USP") each dated May 1, 2026

SUPPLEMENT NO. 1<br> dated May 11, 2026 to the Statutory Prospectus ("Prospectus") dated May 1, 2026

SUPPLEMENT NO. 1<br> dated May 11, 2026 to the Statement of Additional Information ("SAI") dated May 1, 2026

**<u>Changes to the Annual Income Change Method</u>**

*Effective May 1, 2027, CREF will be making a change to the current annual method of calculating Annuity Unit values under certain of its Contracts. This change will impact only CREF participants who are currently in the annuitization phase (i.e., receiving annuity income) of their investment in CREF, and not CREF participants in the accumulation phase of their investment.*

"On May 1, 2027, CREF will be making an update to the annual Income Change Method that will affect how your variable annuity income is calculated and adjusted going forward.

What is changing:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• <u>Current Annual Method:</u> Currently, if you are in the
 annual revaluation (what your Contract calls the "annual
 income change method"), we update your income once a year
 beginning May 1 based on performance of the overall market and
 your underlying investments from the prior valuation period (April
 1 - March 31). Under this method, the number of Annuity Units
 assigned to you remains fixed for the lifetime of your payments.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• <u>New Annual Method:</u> Under the new annual Income Change
 Method, CREF will still update your income once a year beginning
 May 1 and will distribute the payments based on your payment frequency
 (monthly, quarterly, semi-annually, annually). What will be different
 is that the number of Annuity Units under your Contract will be
 adjusted periodically based on market performance, and these unit
 changes will be factored into your variable annuity income beginning
 May 1 of the following year. This change is being implemented
 to allow for valuation of the Annuity Units more frequently than
 annually without materially impacting the annual income payable
 to you under the terms of your Contract."

What you will need to do before **March 31, 2027:**

Tell us whether you desire to remain in the new annual Income Change Method described above or switch to the monthly Income Change Method under your CREF Contract by taking one of the following actions:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Log in to your online account at tiaa.org and select your preferred
 income change method from the drop down under "You have items
 to review"; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Call TIAA at 800-842-2252, weekdays, 8 a.m. to 10 p.m. ET.

Your election will need to be made prior to **March 31, 2027 by 4 p.m. ET**. If no action is taken by this date, your Income Change Method under your Contract will automatically default to the monthly Income Change Method. You can later change this default selection to the new annual Income Change Method if desired. Under the monthly Income Change Method, each payment may change based on monthly market performance unlike the annual Income Change Method described above. You can find more information about this upcoming change at **tiaa.org/IncomeChangeUpdate**. CREF's current Prospectus, ISP, USP and SAI can also be found at **tiaa.org.**"

2 MGN-CREFSUP-0526P