Get a head start on your future. A step-by-step overview of the coming Swarthmore College Regular Retirement Plan updates

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1 Get a head start on your future. A step-by-step overview of the coming Swarthmore College Regular Retirement Plan updates

2 Welcome to your updated retirement program. What do the updates mean to you? How will the transition work? Updating your TIAA-CREF account SWARTHMORE COLLEGE REGULAR RETIREMENT PLAN 2

3 What do the updates mean to you? The updates are the result of your employer s review of the retirement program. Retirement plans continue to be subject to increased scrutiny Increased oversight Increased reporting SWARTHMORE COLLEGE REGULAR RETIREMENT PLAN 3

4 Most aspects of your retirement program won t change 1 2 Contribution rates Eligibility requirements 3 Vesting schedule SWARTHMORE COLLEGE REGULAR RETIREMENT PLAN 4

5 More help in pursuing your retirement goals New investment options Personalized investment advice SWARTHMORE COLLEGE REGULAR RETIREMENT PLAN 5

6 How will the transition work? A step-by-step overview of the coming updates SWARTHMORE COLLEGE REGULAR RETIREMENT PLAN 6

7 New retirement plan investment menu: Effective March 15, 2013 Guaranteed Money Market Fixed Income Multi-Asset Real Estate Equities LOWER RISK HIGHER RISK TIAA Traditional Annuity (Guaranteed Annuity)* CREF Money Market Account (Variable Annuity) TIAA-CREF Bond Index Fund - Premier Class CREF Social Choice Account (Variable Annuity) TIAA-CREF Lifecycle 2010 Fund - Premier Class TIAA-CREF Lifecycle 2015 Fund - Premier Class TIAA-CREF Lifecycle 2020 Fund - Premier Class TIAA-CREF Lifecycle 2025 Fund - Premier Class TIAA-CREF Lifecycle 2030 Fund - Premier Class TIAA-CREF Lifecycle 2035 Fund - Premier Class TIAA-CREF Lifecycle 2040 Fund - Premier Class TIAA-CREF Lifecycle 2045 Fund - Premier Class TIAA-CREF Lifecycle 2050 Fund - Premier Class TIAA-CREF Lifecycle 2055 Fund - Premier Class TIAA-CREF Lifecycle Retirement Income Fund - Premier Class TIAA Real Estate Account (Variable Annuity) CREF Stock Account (variable annuity) TIAA-CREF International Equity Index Fund - Premier Class *Any guarantees under annuities issued by TIAA are subject to TIAA s claims-paying ability. TIAA Traditional is a guaranteed insurance contract and not an investment for Federal Securities Law purposes. SWARTHMORE COLLEGE REGULAR RETIREMENT PLAN 7

8 Closing mutual funds balances and future contributions Balances in and contributions to any closing mutual funds will be transferred to replacement mutual funds according to the instructions you provide during the Open Enrollment period, which begins on October 1, If you do not provide instructions, on November 1, 2013, balances in and contributions to closing mutual funds will be redirected to the TIAA-CREF Lifecycle Fund closest to the year you will turn age 65. SWARTHMORE COLLEGE REGULAR RETIREMENT PLAN 8

9 Frozen annuity accounts balances and future contributions Beginning November 1, 2013, the following variable annuity accounts will be frozen and will no longer accept new contributions or transfers: Balances will remain in these annuity accounts: CREF Bond Market Account CREF Equity Index Account CREF Global Equities Account CREF Growth Account CREF Inflation-Linked Bond Account All existing balances may remain in these accounts. However, no new contributions to or transfers in may be made after October 31, Transfers from these accounts may be made at any time. From October 1 through October 31, 2013, you may redirect contributions to other investment options on the new menu. If you do not provide instructions, on November 1, 2013, contributions will be redirected to the TIAA-CREF Lifecycle Fund closest to the year you will turn age 65. SWARTHMORE COLLEGE REGULAR RETIREMENT PLAN 9

10 How will the transition work? Things to do: Review and update your beneficiary designation Review the new investment options and Transition Guide Get personalized retirement plan advice on the plan s investment options from a TIAA-CREF Financial Consultant SWARTHMORE COLLEGE REGULAR RETIREMENT PLAN 10

11 How will the transition work? Get answers to key questions with a one-on-one counseling session Are you saving enough? How should you invest? How do you meet your retirement income needs? Get personalized retirement plan advice from a TIAA-CREF Financial Consultant. Available as part of your retirement plan at no additional cost to you Personal advice session Based on, among other things, your time horizon, investment goals and risk tolerance SWARTHMORE COLLEGE REGULAR RETIREMENT PLAN 11

12 How will the transition work? One-on-One Counseling Sessions Scheduling options Sign up at a TIAA-CREF seminar Call TIAA-CREF at M-F 8 a.m. 8 p.m. ET schedulenow SWARTHMORE COLLEGE REGULAR RETIREMENT PLAN 12

13 How will the transition work? Prefer an online advice tool? Online Advice and Guidance 4 simple steps to directly address your goals and financial situation Quickly update your account Log on to your account at and select the Advice and Planning tab. SWARTHMORE COLLEGE REGULAR RETIREMENT PLAN 13

14 How will the transition work? It s all outlined in the Transition Guide. Transition Guide with new investment options Mailed to you and online at SWARTHMORE COLLEGE REGULAR RETIREMENT PLAN 14

15 Updating your TIAA-CREF account SWARTHMORE COLLEGE REGULAR RETIREMENT PLAN 15

16 Accessing and updating your account Phone Online One-on-One Counseling Session SWARTHMORE COLLEGE REGULAR RETIREMENT PLAN 16

17 My TIAA-CREF 1 Review investment options 2 Manage your portfolio 1 3 Update beneficiaries 3 2 SWARTHMORE COLLEGE REGULAR RETIREMENT PLAN 17

18 How to update your investment choices Select Manage My Portfolio 2 3 Choose Change My Investments or Change Allocation of Future Contributions Choose new investment choices and corresponding percentages 2 3 SWARTHMORE COLLEGE REGULAR RETIREMENT PLAN 18

19 How to update your beneficiaries 1 Select I Want to Update My Beneficiaries 2 Input the information 3 Add your beneficiary information and percentage You ll receive a confirmation of your updates. SWARTHMORE COLLEGE REGULAR RETIREMENT PLAN 19

20 You can also update your account by phone or in person Call TIAA-CREF at M-F 8 a.m. 8 p.m. ET or Sat. 9-6 p.m. ET During your One-on-One Counseling Session SWARTHMORE COLLEGE REGULAR RETIREMENT PLAN 20

21 360 Financial View Managing your money just got easier. Link all of your accounts to 360 Financial View and get a complete picture of your finances. View all your accounts on one screen (Checking, Savings, Retirement, Credit Cards, Student Loans). Track your spending. With just one click you can see all your spending by category in an easy-view pie chart that lets you track where your money is going. Create a budget. Use our tools to set budget goals for your spending. SWARTHMORE COLLEGE REGULAR RETIREMENT PLAN 21

22 Welcome to your updated retirement program.

23 Questions? SWARTHMORE COLLEGE REGULAR RETIREMENT PLAN 23

24 Investment products may be subject to market and other risk factors. See the applicable product literature or visit Investment, insurance and annuity products are not FDIC insured, are not bank guaranteed, are not bank deposits, are not insured by any federal government agency, are not a condition to any banking service or activity, and may lose value. You should consider the investment objectives, risks, charges and expenses carefully before investing. Go to for current product and fund prospectuses that contain this and other information. Please read the prospectuses carefully before investing. TIAA-CREF Individual & institutional Services, LLC and Teachers Personal Investors Services, Inc., members FINRA, distribute securities products. Annuity contracts and certificates are issued by Teachers Insurance and Annuity Association (TIAA) and College Retirement Equities Fund (CREF), New York, NY Teachers Insurance and Annuity Association-College Retirement Equities Fund (TIAA-CREF), 730 Third Avenue, New York, NY C12805 SWARTHMORE COLLEGE REGULAR RETIREMENT PLAN 24

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