Institutional InvestorsBusiness Banking Open an accountGet Help Retire Invest Bank Learn About TIAA Search LOG IN How we serve you What's on this page? Our Purpose Long-Term Focus Performance & Value Where Our Profits Go Accountability OUR PURPOSE We serve a single purpose: your financial well-being Founded in 1918 for those who serve others, TIAA was built for you. How we invest, our products and services—even our corporate structure—were created to meet your needs. LONG-TERM FOCUS Our disciplined approach was created for your long-term financial goals We manage money with a long-term perspective. TIAA’s mission is to help you achieve financial well-being throughout your lifetime. Disciplined process. Proven. Time tested. Our time-tested, repeatable investment approach gives you the confidence that our investments can help deliver for you. In it for the long haul We’ve made long-term investments in real assets like farmland, timberland and real estate. All to help meet our long-term obligations to you. We understand the trends No matter what’s going on in the markets, our innovative thinking and sophisticated research capabilities power long-term results. How We Invest PERFORMANCE & VALUE Performance meets great value Our focus is delivering superior, long-term results for our customers at competitive costs. High performing funds We have received an overall Morningstar rating of 4 or 5 stars for 72% of our mutual funds based on risk-adjusted returns ( 46.91% 4 stars and 24.69% 5 stars ).1 More of your money works for you On average, TIAA’s mutual fund expense ratios are less than half the industry average (0.48% versus 1.19%). WHERE OUR PROFITS GO Putting earnings to work for you Our purpose is helping you achieve your financial goals. With no outside shareholders, other than our Board of Overseers—which is a not-for-profit entity—we are focused on your financial well-being. ACCOUNTABILITY We hold ourselves to a higher standard Earning and keeping your trust is an important part of how we serve you. We put participants at the center, take a long-term view on investing and operate with transparency. How We'Re Accountable 1 Morningstar ratings are based on the lowest-cost share class for each mutual fund and include U.S. open-end mutual funds. For a fund with multiple share classes and the same pricing, the share class with the longest performance history is used. The top 10% of funds in an investment category receive five stars, the next 22.5% receive four stars and the next 35% receive three stars. Morningstar proprietary ratings reflect historical risk-adjusted performance and can change every month. They are calculated from the fund’s three-, five- and ten-year average annual returns in excess of 90-day Treasury bill returns with appropriate fee adjustments, and a risk factor that reflects fund performance below 90-day T-bill returns. The overall star ratings are Morningstar’s published ratings, which are weighted averages of its three-, five- and ten-year ratings for periods ended March 31, 2021 . Morningstar is an independent service that rates mutual funds. Past performance cannot guarantee future results. For current performance and rankings, please visit TIAA.org/public/investment-performance. TIAA products may be subject to market and other risk factors. See the applicable product literature, or visit TIAA.org for details. This material is for informational or educational purposes only and does not constitute a recommendation or investment advice in connection with a distribution, transfer or rollover, a purchase or sale of securities or other investment property, or the management of securities or other investments, including the development of an investment strategy or retention of an investment manager or advisor. This material does not take into account any specific objectives or circumstances of any particular investor, or suggest any specific course of action. Investment decisions should be made in consultation with an investor’s personal advisor based on the investor’s own objectives and circumstances. 224855 Not a customer yet? 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Consumer and commercial deposit and lending products and services are provided by TIAA Bank®, a division of TIAA, FSB. Member FDIC. Equal Housing Lender. The TIAA group of companies does not provide legal or tax advice. Please consult your tax or legal advisor to address your specific circumstances. TIAA-CREF Individual & Institutional Services, LLC, Member FINRA and SIPC , distributes securities products. SIPC only protects customers’ securities and cash held in brokerage accounts. Annuity contracts and certificates are issued by Teachers Insurance and Annuity Association of America (TIAA) and College Retirement Equities Fund (CREF), New York, NY. Each is solely responsible for its own financial condition and contractual obligations. Teachers Insurance and Annuity Association of America is domiciled in New York, NY, with its principal place of business in New York, NY. Its California Certificate of Authority number is 3092. TIAA-CREF Life Insurance Company is domiciled in New York, NY, with its principal place of business in New York, NY. Its California Certificate of Authority number is 6992. Read the TIAA-CREF Individual & Institutional Services, LLC, Statement of Financial Condition . © 2021 and prior years, Teachers Insurance and Annuity Association of America-College Retirement Equities Fund, New York, NY 10017