Morningstar Advisor - February/March 2009 - (Page 25) SURVIVAL BECOME THE BAR? Investing for 90 years, we at TIAA-CREF recognize that the only constant in the markets is that unexpected events will occur. With this in mind, we position our portfolios to specifically manage and potentially minimize the effects of heightened volatility. 1 SINCE WHEN DID Come talk to us about how we can put our investment expertise to work for you and your clients. Visit tiaa-cref.org/assetmanagement * or call 888 842-0318, option 1. *For more information about our performance, please go to tiaa-cref.org/charts/imf-performance.html 1 Morningstar Direct (February 2008) based on Morningstar expense comparisons by category. This applies to our variable annuity and mutual fund expense ratios. All TIAA-CREF investment products are subject to market risk. Past performance is no guarantee of future results. Annuity products are issued by TIAA (Teachers Insurance and Annuity Association), New York, NY. TIAA-CREF Individual & Institutional Services, LLC, and Teachers Personal Investors Services, Inc., members FINRA, distribute securities products. C42976 © 2008 Teachers Insurance and Annuity Association-College Retirement Equities Fund (TIAA-CREF), New York, NY 10017. Consider the investment objectives, risks, charges and expenses carefully before investing. Call 877 518-9161 or visit tiaa-cref.org for a current prospectus that contains this and other information. Read it carefully before investing. http://www.tiaa-cref.org/assetmanagement http://tiaa-cref.org/charts/imf-performance.html http://www.tiaa-cref.org http://www.tiaa-cref.org
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