Rensselaer Polytechnic Institute Tax Deferred Annuity Program
|
|
- Alison Matthews
- 8 years ago
- Views:
Transcription
1 - Financial Services for The Greater Good : Rensselaer Polytechnic Institute Tax Deferred Program QUARTERLY PERFORMANCE Rensselaer Polytechnic Institute Tax Deferred Program As of 06/30/2008 The performance data quoted represents past performance, and is no guarantee of future results. Your returns and the principal value of your investment will fluctuate so that your mutual fund shares/variable annuity account accumulation units, when redeemed, may be worth more or less than their original cost. Current performance may be lower or higher than the performance quoted. For performance current to the most recent month-end, call 800 ( ). account options are available through annuity contracts issued by TIAA or CREF. These contracts are designed for retirement or other long-term goals, and offer a variety of income options, including lifetime income. Payments from the variable annuity accounts are not guaranteed and will rise or fall based on investment performance. Mutual funds do not offer the range of income options available through annuities. There are inherent risks in investing in mutual funds and variable annuity accounts. Please be sure to read carefully the notes that appear at the end of this section for details. Equities As of 06/30/2008 Total Returns Average Annual Total Returns CREF Equity Index number: , 2 CREF Global Equities number: , 2 Symbol Inception Date 3-Month YTD Year 5 0 Since Inception Expense Charge Fee Waiver Expiration -- 04/28/94 -.8% -.27% -3.08% 7.9% 3.9% 9.27% 0.47%/0.47% /30/ % -.0% -9.96%.83% 3.54% 8.66% 0.56%/0.56% -- ( of 8) [7/5/2008 2:06:42 PM]
2 - Financial Services for The Greater Good : Rensselaer Polytechnic Institute Tax Deferred Program CREF Growth number: , 2 CREF Stock number: , 2 Mutual Growth and Income number: 0 International Equity number: 03 See notes: 34, 2 International Equity Index number: 027 Large-Cap Growth Index number: 09 Large-Cap Value number: 04 See notes: 34, /28/94.7% -9.67% -2.93% 7.7% 0.9% 7.35% 0.55%/0.55% /3/52 -.4% -0.92% -.53% 0.03% 3.9% 0.24% 0.52%/0.52% -- TRGIX 0/0/ % -0.62% -4.40% 0.48% --.45% 0.8%/0.44% 0/3/09 TRERX 0/0/ % -8.53% -5.34% 6.34% % 0.84%/0.84% -- TRIEX 0/0/ % -.2% -0.64% 6.6% % 0.42%/0.40% 04/30/0 TRIRX 0/0/02.5% -9.37% -6.44% 6.83% % 0.38%/0.34% 04/30/0 TRLCX 0/0/ % -5.7% % 8.9% % 0.75%/0.75% -- (2 of 8) [7/5/2008 2:06:42 PM]
3 - Financial Services for The Greater Good : Rensselaer Polytechnic Institute Tax Deferred Program Large-Cap Value Index number: 020 See notes: 34, 2 Blend Index number: 02 Growth number: 05 Growth Index number: 022 Value number: 06 See notes: 34, 2 Value Index number: 023 TRCVX 0/0/ % -3.69% -8.94% 8.49% % 0.32%/0.32% -- TRMBX 0/0/ % -7.6% -.36% 2.6% % 0.48%/0.34% 04/30/0 TRGMX 0/0/ % -7.3% -2.35% 2.48% % 0.84%/0.80% 0/3/09 TRMGX 0/0/02 4.6% -6.86% -6.65%.82% % 0.75%/0.34% 04/30/0 TRVRX 0/0/ % -9.7% -3.6% 4.97% % 0.78%/0.78% -- TRVUX 0/0/ % -8.64% -7.2% 2.60% % 0.46%/0.34% 04/30/0 (3 of 8) [7/5/2008 2:06:42 PM]
4 - Financial Services for The Greater Good : Rensselaer Polytechnic Institute Tax Deferred Program Real Estate Securities number: 07 S&P 500 Index number: 08 See notes: 34, 2 Small-Cap Blend Index number: 024 Small-Cap Equity number: 028 Small-Cap Growth Index number: 025 Small-Cap Value Index number: 026 TRRSX 0/0/ % -4.82% -5.57% 2.53% % 0.83%/0.82% 0/3/09 TRSPX 0/0/ % -2.03% -3.37% 7.5% % 0.32%/0.32% -- TRBIX 0/0/ % -9.3% -6.0% 9.95% % 0.48%/0.34% 04/30/0 TRSEX 0/0/02.72% -7.7% -8.3% 9.56% % 0.8%/0.80% 0/3/09 TRCGX 0/0/ % -8.76% -0.82%.25% % 0.57%/0.34% 04/30/0 TRSVX 0/0/ % -9.69% -2.42% 9.79% --.9% 0.52%/0.34% 04/30/0 (4 of 8) [7/5/2008 2:06:42 PM]
5 - Financial Services for The Greater Good : Rensselaer Polytechnic Institute Tax Deferred Program Social Choice Equity number: 02 TRSCX 0/0/02 -.2% -9.80% -.80% 7.93% % 0.48%/0.47% 0/3/09 Real Estate As of 06/30/2008 Total Returns Average Annual Total Returns 5 0 Since Symbol Inception Date 3-Month YTD Expense Fee Waiver Year Inception Charge Expiration TIAA Real Estate % 0.97% 6.9%.87% 9.45% 9.29% --/-- -- number: 009 See notes: 25, 33, 34, 0, 05 Fixed Income As of 06/30/2008 Total Returns Average Annual Total Returns 5 0 Since Symbol Inception Date 3-Month YTD Expense Fee Waiver Year Inception Charge Expiration CREF Bond Market -- 03/0/90 -.2% 0.36% 5.53% 3.36% 5.37% 6.87% 0.5%/0.5% -- number: , 2 CREF Inflation- Linked Bond number: /30/ % 4.72% 4.6% 5.49% 7.36% 6.97% 0.50%/0.50% -- Money Market As of 06/30/2008 Yields Total Returns Average Annual Total Returns Symbol Inception Date 7-Day Current Yield* 3-Month YTD Year 5 0 Since Inception Expense Charge Fee Waiver Expiration (5 of 8) [7/5/2008 2:06:42 PM]
6 - Financial Services for The Greater Good : Rensselaer Polytechnic Institute Tax Deferred Program CREF Money Market number: 003 See notes: 25, 30, -- 03/3/ %.34% 3.77% 3.03% 3.5% 4.68% 0.45%/0.45% -- 34, 78, 05, 2 *The current yield more closely reflects the earnings of this investment choice. Guaranteed As of 06/30/2008 Guaranteed TIAA Traditional number: 00 See notes: 26, 32, 0, 05 Year Rates of Return 5 0 Current Rate 4.5% 3.49% 5.58% 5.25% Multi-Asset As of 06/30/2008 Total Returns Average Annual Total Returns CREF Social Choice number: , 2 Mutual 200 number: number: 36 Symbol Inception Date 3-Month YTD Year 5 0 Since Inception Expense Charge Fee Waiver Expiration -- 03/0/ % -5.9% -5.07% 6.28% 4.34% 9.2% 0.48%/0.48% -- TCLEX 0/5/ % -6.92% -3.90% % 0.85%/0.62% 0/3/09 TCLIX 0/5/ % -8.5% -5.60% % 0.87%/0.63% 0/3/09 (6 of 8) [7/5/2008 2:06:42 PM]
7 - Financial Services for The Greater Good : Rensselaer Polytechnic Institute Tax Deferred Program 2020 number: number: number: number: number: 4 TCLTX 0/5/ % -9.38% -7.35% % 0.88%/0.63% 0/3/09 TCLFX 0/5/04-2.6% -0.60% -8.99% % 0.92%/0.64% 0/3/09 TCLNX 0/5/ % -.70% -0.42% % 0.94%/0.64% 0/3/09 TCLRX 0/5/ % -2.0% -.00% %.00%/0.65% 0/3/09 TCLOX 0/5/04-2.9% -2.08% -.0% % 0.97%/0.65% 0/3/09 IMPORTANT INFORMATION 2 Data Provided by Morningstar, Inc Morningstar, Inc. All Rights Reserved. The information contained herein: () is proprietary to Morningstar and/or its content providers; (2) may not be copied or distributed; and (3) is not warranted to be accurate, complete or timely. Neither Morningstar nor its content providers are responsible for any damages or losses arising from any use of this information. (7 of 8) [7/5/2008 2:06:42 PM]
8 - Financial Services for The Greater Good : Rensselaer Polytechnic Institute Tax Deferred Program 34 The returns quoted represent past performance, which is no guarantee of future results. Returns and the principal value of your investment will fluctuate. Current performance may be higher or lower than that shown above, and you may have a gain or a loss when you redeem your mutual fund shares/annuity account accumulation units. For current performance information, including performance to the most recent month-end, or call 800 ( ). 78 An investment in the CREF Money Market is not a deposit of any bank and is neither insured nor guaranteed by the Federal Deposit Insurance Corporation or any other U.S. government agency. 30 The 7-day money market yield listed more closely reflects the current earnings of the money market annuity account than does the total return. 25 All CREF accounts estimate expenses each year based on projected expense and asset levels. Differences between actual expenses and the estimate are adjusted quarterly and are reflected in current investment results. Historically, adjustments have been small. 26 The TIAA Traditional guarantees principal and a specified interest rate (based upon TIAA's claims-paying ability). It also offers the potential for greater growth through additional amounts, which may be declared on a year-by-year basis by the TIAA Board of Trustees. If you have an RA contract, the TIAA annuity contract does not allow lump-sum cash withdrawals from the TIAA Traditional and transfers must be spread over a ten-year period. If you have a GRA contract, lump-sum withdrawals are available from the TIAA Traditional only within 20 days after termination of employment and are subject to a surrender charge. All other withdrawals and all transfers to the Real Estate or to CREF must be spread over a ten-year period (five years for withdrawals after termination of employment). 32 Interest credited to TIAA Traditional Annuities includes a guaranteed rate of between % and 3%, plus additional amounts that are established on a year-by-year basis. The additional amounts, when declared, remain in effect through the "declaration year," which begins each March. 33 In California, the TIAA Real Estate is available, but not through all employer-sponsored plans. Please contact us to determine if your employer's plan can accept investments into the account. 0 All displayed performance and statistical data have been compiled by. 05 Annuities are designed for retirement savings or for other long-term goals. They offer several payment options, including lifetime income. Payments from TIAA and CREF variable annuities are not guaranteed, and the payment amounts will rise or fall depending on investment returns. The net annual expense reflects a contractual reimbursement of various expenses by the fund s adviser. This reimbursement may be discontinued at any time. C (8 of 8) [7/5/2008 2:06:42 PM]
ASSOC OF INDEPENDENT COLLEGES AND UNIVERSITIES OF PA 403(B)
ASSOC OF INDEPENDENT COLLEGES AND UNIVERSITIES OF PA 403(B) Investment Options Comparative Chart Your plan allows you to direct how your contributions are invested. When making investment decisions, you
More informationPUGET SOUND BLOOD CENTER AND PROGRAM 403(B) DC RET PLAN
PUGET SOUND BLOOD CENTER AND PROGRAM 403(B) DC RET PLAN Investment Options Comparative Chart Your plan allows you to direct how your contributions are invested. When making investment decisions, you should
More informationAugust 26, 2015. Re: Important information about your retirement plan
MANHATTANVILLE COLLEGE 2900 PURCHASE STREET PURCHASE, NY 105772131 August 26, 2015 SECTION1 Re: Important information about your retirement plan The enclosed information is being provided to help you make
More informationNew York University NYU STDA Plan
TIAA-CREF Quarterly Performance New York University NYU STDA Plan Performance as of 06/30/2013 Before making your investment choices and completing your enrollment form, you should consider the investment
More informationCREIGHTON UNIV. TAX DEFERRED ANNUITY PLAN
CREIGHTON UNIV. TAX DEFERRED ANNUITY PLAN Investment Options Comparative Chart Your plan allows you to direct how your contributions are invested. When making investment decisions, you should keep in mind
More informationGet a head start on your future. A step-by-step guide to the coming University of Dallas Retirement Program changes
Get a head start on your future. A step-by-step guide to the coming University of Dallas Retirement Program changes Table of Contents Be prepared for the changes ahead 1 Your new investment menu 2 Investment
More informationJuly 28, 2015. Re: Important information about your retirement plan
JOHN CARROLL UNIVERSITY One John Carroll Blvd. UNIVERSITY HEIGHTS, OH 441184520 July 28, 2015 SECTION1 Re: Important information about your retirement plan The enclosed information is being provided to
More informationTransfer Payout Annuities
Transfer Payout Annuities Transfers and Withdrawals from TIAA Traditional tiaa-cref.org The TIAA Traditional Annuity In this guide, you ll learn about our Transfer Payout Annuity (TPA), a transfer and
More informationCLARKSON UNIVERSITY PENSION PLAN
CLARKSON UNIVERSITY PENSION PLAN Investment Options Comparative Chart Your plan allows you to direct how your contributions are invested. When making investment decisions, you should keep in mind how long
More informationUNIVERSITY OF NOTRE DAME THE UNIVERSITY OF NOTRE DAME 403 (B) RETIREMENT PLAN
UNIVERSITY OF NOTRE DAME THE UNIVERSITY OF NOTRE DAME 403 (B) RETIREMENT PLAN OPEN YOUR RETIREMENT ACCOUNT ENROLLMENT INSTRUCTIONS NEED HELP? Call 800 TIAA-CREF (800 842-2273) Monday to Friday from 8
More informationTransfers and Withdrawals from the Tiaa Traditional annuity
Transfers and Withdrawals from the Tiaa Traditional annuity Tiaa s Transfer Payout annuity This guide has information about moving funds out of the Tiaa Traditional annuity using the Transfer Payout annuity
More informationTRANSFER PAYOUT ANNUITIES
SAVING FOR RETIREMENT TRANSFER PAYOUT ANNUITIES TRANSFERS AND WITHDRAWALS FROM TIAA TRADITIONAL TIAA-CREF: FINANCIAL SERVICES FOR THE GREATER GOOD TIAA-CREF is dedicated to serving the retirement needs
More informationWHEATON COLLEGE RETIREMENT PLAN QUALIFIED DEFAULT INVESTMENT ALTERNATIVE NOTICE
WHEATON COLLEGE RETIREMENT PLAN QUALIFIED DEFAULT INVESTMENT ALTERNATIVE NOTICE FY 2016 PLAN YEAR The Wheaton College Retirement Plan (the "Plan") permits each Participant to direct how money in her/his
More informationWaddell & Reed Advisors Select Plus Annuity SM Invest in your future
Investment choices performance report January 31, 2016 Waddell & Reed Advisors Select Plus Annuity SM Invest in your future Answers to frequently asked questions. What you should know about purchasing
More informationPlan and Investment Notice
PRINCETON UNIVERSITY RETIREMENT PLAN Plan and Investment Notice Your participation in your employer's retirement plan is the first step to ensuring adequate retirement income. The purpose of this Plan
More informationLouisiana Optional Retirement Plan Louisiana Optional Retirement Plan
TIAA-CREF Quarterly Performance Louisiana Optional Retirement Plan Louisiana Optional Retirement Plan Performance as of 03/31/2016 Before making your investment choices and completing your enrollment form,
More informationTIAA-CREF RETIREMENT CHOICE ANNUITIES PRODUCT COMPARISON
TIAA-CREF RETIREMENT CHOICE ANNUITIES PRODUCT COMPARISON To help you effectively manage your retirement plan in today s increasingly complex regulatory and compliance environment, TIAA-CREF offers the
More informationJune 24, 2015. Re: Important information about your retirement plan
CHATHAM UNIVERSITY MELLON CENTER WOODLAND ROAD PITTSBURGH, PA 15232 June 24, 2015 SECTION1 Re: Important information about your retirement plan The enclosed information is being provided to help you make
More informationBUILDING YOUR RETIREMENT PORTFOLIO WITH TIAA-CREF
BUILDING YOUR RETIREMENT PORTFOLIO WITH TIAA-CREF TIAA-CREF: FINANCIAL SERVICES FOR THE GREATER GOOD FOR MORE THAN 85 YEARS, we have been helping millions of people working in the academic, medical and
More informationSYSTEMATIC WITHDRAWALS AND TRANSFERS FROM TIAA TRADITIONAL
SYSTEMATIC WITHDRAWALS AND TRANSFERS FROM TIAA TRADITIONAL THE TIAA TRADITIONAL ANNUITY The TIAA Traditional Annuity is a guaranteed annuity backed by TIAA s claims-paying ability. In the accumulation
More informationOverview of Your TIAA-CREF Investment Solutions SM Accounts
Overview of Your TIAA-CREF Investment Solutions SM Accounts TIAA-CREF Investment Solutions SM now offers you nine mutual funds in addition to our fixed and variable annuity accounts. TIAA-CREF Investment
More informationAnnuities - TIAA, CREF lifetime Income
Lifetime retirement income The foundation to seeking a secure future Retirement income options from TIAA-CREF TIAA-CREF understands that your financial priorities can change over time. This is why we
More informationWelcome! Thanks for investing your time today.
Welcome! Thanks for investing your time today. Please sign in Fill out your name tag Address your mail card It s not about how much money you earn. It s about how much you save and invest. October 2015
More informationSUSORP - FLORIDA GULF COAST UNIVERSITY
Quarterly Investment Update SUSORP FLORIDA GULF COAST UNIVERSITY Investment Performance as of 3/31/2016 The performance data quoted represents past performance, and is no guarantee of future results. Your
More informationTIAA-CREF Life Insurance Company. Single Premium Immediate Annuities. Step closer to meeting your lifetime income needs.
TIAA-CREF Life Insurance Company Single Premium Immediate Annuities Step closer to meeting your lifetime income needs. Securing a lifetime of retirement income TIAA-CREF: Financial services More than 90
More informationMoney At Work 1: Foundations of investing
It s not about how much money you earn. It s about how much you save and invest. November 12, 2015 A TIAA-CREF Financial Essentials Workshop Bill Thorne TIAA-CREF Money At Work 1: Foundations of investing
More informationYour Retirement Income Options. TIAA-CREF Financial Essentials
Your Retirement Income Options TIAA-CREF Financial Essentials Today we will discuss: 1. Determining your retirement income needs Income sources Covering your expenses 2. Threats to your retirement cash
More informationPlease read this important information for Yale University Matching Retirement Plan participants
Please read this important information for Yale University Matching Retirement Plan participants This notice gives you important information about the default investment funds selected for the Matching
More informationState of West Virginia Retirement Plus Deferred Compensation Plan - 98947-01 Investment Performance as of 01/29/2016
State of West Virginia Retirement Plus Deferred Compensation Plan - 98947-0 Investment Performance as of 0/29/206 Current performance may be lower or higher than performance data shown. Performance data
More informationPlan and Investment Notice
ST. JOHN FISHER COLLEGE EE ELECTIVE PLAN Plan and Investment Notice Your participation in your employer's retirement plan is the first step to ensuring adequate retirement income. The purpose of this Plan
More informationREVIEWING YOUR TIAA-CREF INCOME CHOICES A GUIDE TO YOUR PAYMENT OPTIONS
REVIEWING YOUR TIAA-CREF INCOME CHOICES A GUIDE TO YOUR PAYMENT OPTIONS FLEXIBILITY & CHOICE TIAA-CREF UNDERSTANDS YOUR FINANCIAL PRIORITIES can change over time, which is why we offer you a wide range
More informationTIAA TRADITIONAL ANNUITY PRODUCT COMPARISON NOVEMBER 2008
TIAA TRADITIONAL ANNUITY PRODUCT COMPARISON NOVEMBER 2008 PRODUCT OBJECTIVE To provide safety of principal, stability, guaranteed minimum interest crediting rates, plus the potential for additional amounts
More informationPower Portfolio a variable annuity issued by Genworth Life Insurance Company
as of November 30, 2012 Power Portfolio 16979 12/01/12 Exp. 01/15/13 '2012 Genworth Financial, Inc. All rights reserved. Page 1 of 9 IMPORTANT INFORMATION The following information is designed to help
More informationCHOOSING YOUR INVESTMENTS
CHOOSING YOUR INVESTMENTS FOR ASSISTANCE CONTACT US TODAY FOR MORE INFORMATION, ADVICE OR HELP OPENING AN ACCOUNT, IT S EASY TO REACH US: BY PHONE Call us at 800 TIAA-CREF (800 842-2273) to speak with
More informationHow to make changes to your annuity income
How to make changes to your annuity income What s inside 2 Your annuity income 4 TIAA Traditional annuity income 6 TIAA and CREF variable annuity income 9 Ways to adjust your annuity income 9 Transfer
More informationUnderstanding Your Retirement Plans Changes Essential Information for Participants of the tufts university retirement plans
Understanding Your Retirement Plans Changes Essential Information for Participants of the tufts university retirement plans 2 Introducing the changes to your Tufts University retirement plans Effective
More informationTIAA Traditional Annuity: Adding safety and stability to retirement portfolios
Summer 2012 TIAA-CREF Asset Management TIAA Traditional Annuity: Adding safety and stability to retirement portfolios Overview Launched with the founding of TIAA in 1918, the TIAA Traditional Annuity is
More informationCHOOSING YOUR INVESTMENTS
CHOOSING YOUR INVESTMENTS FOR ASSISTANCE GO ONLINE For more information on your retirement plan, investment education, retirement planning tools and more, please go to www.tiaa-cref.org/carnegiemellon.
More informationA guide to payment options for employees of tax-exempt institutions. 457(b) Deferred Compensation Plan. Income choices from TIAA-CREF
A guide to payment options for employees of tax-exempt institutions 457(b) Deferred Compensation Plan Income choices from TIAA-CREF TIAA-CREF: leaders in retirement planning After you stop working for
More informationMinimum distribution. Making it simple
Minimum distribution Making it simple Required minimum distributions What you need to know What are required minimum distributions?... 03 TIAA-CREF s Minimum Distribution Option (MDO)... 04 Is the Minimum
More informationMISSISSIPPI ORP. Net. Gross Fund. Fund. Fund. Inception. Stability of Principal
P E R F O R M A N C E U P D A T E MISSISSIPPI ORP Average Annual Total Returns as of: 01/31/2016 (shown in percentages) Mutual funds offered through a retirement plan are investments designed for retirement
More informationGEORGE WASHINGTON UNIVERSITY 457(B) DEFERRED COMPENSATION PLAN
GEORGE WASHINGTON UNIVERSITY 457(B) DEFERRED COMPENSATION PLAN OPEN YOUR DEFERRED COMPENSATION ACCOUNT INSTRUCTIONS NEED HELP? Call 800 TIAA-CREF (800 842-2273) Monday to Friday from 8 a.m. to 10 p.m.,
More informationAmerican Legacy Fusion variable annuity
American Legacy Fusion variable annuity May 1, 2015 Product Prospectus This document and many others can be read online by signing up for edelivery! Make a positive environmental impact by signing up today!
More informationOPEN YOUR TIAA-CREF IRA
OPEN YOUR TIAA-CREF IRA STEP-BY-STEP INSTRUCTIONS ONLINE Go to www.tiaa-cref.org/openira to open your IRA online. It s the fastest and easiest way to do it. BY MAIL OR FAX STEP 1 GATHER THE INFORMATION
More informationYour Davidson College Retirement Plan ENHANCEMENTS GUIDE
Your Davidson College Retirement Plan ENHANCEMENTS GUIDE 14853_01_BRO_Davidson.indd 1 5/4/14 8:31 AM NOW IS A GREAT TIME TO TAKE ADVANTAGE OF YOUR DAVIDSON RETIREMENT PLAN BENEFITS. Davidson College (the
More informationLifetime retirement income
Lifetime retirement income The foundation to seeking a secure future Retirement income options from TIAA-CREF Your financial priorities can change over time. That s why we offer a wide range of income
More informationTIAA-CREF THE BROWN UNIVERSITY DEFERRED VESTING RETIREMENT PLAN. Summary of Plan Services and Costs
THE BROWN UNIVERSITY DEFERRED VESTING RETIREMENT PLAN Summary of Plan Services and Costs July 3, 2013 This summary provides important information to assist you in making decisions related to your participation
More informationTIAA Traditional Annuity: Adding safety and stability to retirement portfolios
TIAA-CREF Asset Management TIAA Traditional Annuity: Adding safety and stability to retirement portfolios Overview Teachers Insurance and Annuity Association of America (TIAA) was established in 1918 as
More informationWellesley College Retirement Plan Transition Guide. Inside is everything you need to know about the transition to the new Investment Menu.
Learn Prepare Engage Wellesley College Retirement Plan Transition Guide Inside is everything you need to know about the transition to the new Investment Menu. 1 Introduction 2 Building Your Retirement
More informationChoosing Your Investments. North Dakota Public Employees Retirement System
Choosing Your Investments North Dakota Public Employees Retirement System For Assistance, Contact Us Today For more information, advice or help opening an account, it s easy to reach us: By Phone Call
More informationInnovative, flexible, low-cost retirement solution
TIAA-CREF Life Insurance Company Innovative, flexible, low-cost retirement solution The Intelligent Variable Annuity How do you define retirement? Some people dream of traveling. Others can t wait to roll
More informationSecurity Life of Denver Insurance Company
P E R F O R M A N C E U P D A T E Security Life of Denver Insurance Company Voya Variable Universal Life-ECV Average Annual Total Returns as of: 11/30/2015 (shown in percentages) Mutual funds offered through
More informationFRONTIER SCIENCE FOUNDATION DEFINED CONTRIBUTION RETIREMENT PLAN SUMMARY PLAN DESCRIPTION
FRONTIER SCIENCE FOUNDATION DEFINED CONTRIBUTION RETIREMENT PLAN SUMMARY PLAN DESCRIPTION TABLE OF CONTENTS Page ARTICLE I PARTICIPATION IN THE PLAN Am I eligible to participate in the Plan?...1 When am
More informationBuilding Your Retirement Portfolio
Building Your Retirement Portfolio With the Help of TIAA-CREF 111075_L01.indd 1 ABOUT TIAA-CREF: For more than 90 years, we at TIAA-CREF have dedicated ourselves to helping those who serve the greater
More informationLIVING WELL IN RETIREMENT. Minimum Distribution: Making it simple
LIVING WELL IN RETIREMENT Minimum Distribution: Making it simple TIAA-CREF: FINANCIAL SERVICES FOR THE GREATER GOOD. TIAA-CREF is dedicated to serving the retirement needs of those in the academic, medical,
More informationWhich retirement plan is right for you
Which retirement plan is right for you Facts to help you make an informed choice between the Iowa Public Employees Retirement System (IPERS) and the Iowa Association of Community College Trustees Defined
More informationOPEN YOUR TIAA-CREF IRA
OPEN YOUR TIAA-CREF IRA STEP-BY-STEP INSTRUCTIONS ONLINE Go to www.tiaa-cref.org/openira to open your IRA online. It s the fastest and easiest way to do it. BY MAIL OR FAX STEP 1 GATHER THE INFORMATION
More informationInvestment Expenses and Indirect Compensation
Investment s and Indirect Compensation The chart below shows the components of the investment expenses for the non-fixed interest funds available under your plan as well as the revenue paid to Voya Financial,
More informationSelf-Directed Brokerage Account Services
Self-Directed Brokerage Account Services Through Your Tiaa-Cref Ira Power up your TIAA-CREF IRA with more. A no-fee TIAA-CREF IRA 1 is a great way to help build financial security for your retirement.
More informationPORTFOLIO OPTIMIZATION FUNDS
PORTFOLIO OPTIMIZATION FUNDS DIVERSIFIED ASSET ALLOCATION SOLUTIONS UPDATED AS OF 6/30/15 7/15 30382-15C PORTFOLIO OPTIMIZATION FUNDS With thousands of mutual funds on the market today, creating a portfolio
More informationMorningstar Highlights
Morningstar Highlights Third quarter Data as of September 30, 2015 Invesco offers funds that have competitive performance relative to their peers across most style boxes. Below are Invesco funds with four-
More informationAmherst College Defined Contribution Retirement Plan for Amherst College and Folger Shakespeare Library Employees
Amherst College Defined Contribution Retirement Plan for Amherst College and Folger Shakespeare Library Employees Inside is detailed information you need to know about the transition to the new Investment
More informationNew opportunities for your retirement strategy. Announcing upcoming changes to the University of Southern California Retirement Plans
New opportunities for your retirement strategy Announcing upcoming changes to the University of Southern California Retirement Plans The University of Southern California is dedicated to helping you prepare
More informationTax-smart ways to save and invest. TIAA-CREF Financial Essentials
Tax-smart ways to save and invest TIAA-CREF Financial Essentials Today s agenda: 1. Finding funds for saving 2. Tax law provisions promoting saving 3. TIAA-CREF savings opportunities 4. TIAA-CREF can help
More informationSCOTT & WHITE RETIREMENT/401(K) PLAN Plan Number 090337 Plan Information as of 05/16/2015
SCOTT & WHITE RETIREMENT/401(K) PLAN Plan Number 090337 Plan Information as of 05/16/2015 This legally required notice includes important information to help you compare the investment options under your
More informationor guarantee rising income for up to 12 years?
Income Plus 6% Looking for a Retirement Income Advantage that can Guarantee 7% Withdrawals or guarantee rising income for up to 12 years? Guarantees are backed by the claims-paying ability of the issuing
More informationlifetime the foundation to a secure future
LIVING WELL IN RETIREMENT lifetime RETIREMENT INCOME the foundation to a secure future TIAA-CREF: FINANCIAL SERVICES FOR THE GREATER GOOD. TIAA-CREF is dedicated to serving the retirement needs of those
More informationA Guide to the Carnegie Mellon University Faculty and Staff Retirement, Tax-Deferred Annuities and 401(k) Plans Changes
A Guide to the Carnegie Mellon University Faculty and Staff Retirement, Tax-Deferred Annuities and 401(k) Plans Changes A message to former employees If you are no longer a Carnegie Mellon University employee,
More informationLOANS. TIAA-CREF Retirement Plan Loans
LOANS TIAA-CREF Retirement Plan Loans TIAA-CREF Retirement and Group Retirement Annuities are tax-deferred annuities mainly used to fund retirement plans established by an employer. Depending on your employer
More informationGet help achieving your financial goals.
Get help achieving your financial goals. TIAA-CREF: Committed to your overall financial well-being Did you know? TIAA was founded in 1918 to provide retirement security to university faculty. TIAA-CREF
More informationevolution The of your Yale University Retirement Program
evolution The of your Yale University Retirement Program Evolving the Yale University Retirement Program Table of contents One provider, more options...3 What to expect...8 Key dates...11 Frequently asked
More informationThe USCM Deferred Compensation Program
The USCM Deferred Compensation Program Average Annualized Total Return: Non-STANDARDIZED (For the Non-Standardized report, denotes that the underlying investment option has not been in existence for the
More informationAverage Annualized Return as of 11/30/2015 1. YTD 1 Year 3 Years 5 Years
Investment Options at a glance Current performance may be lower or higher than performance data shown. Performance data quoted represents past performance and is not a guarantee or prediction of future
More informationInvestment Menu and Transfer Strategy
Investment Menu and Transfer Strategy Investment Menu Effective February 9, 2015, all of your TIAA-CREF and Vanguard options within the University of Pittsburgh Retirement Savings Plan will be consolidated
More informationTIAA-CREF NOVA SOUTHEASTERN UNIVERSITY 401(K) PLAN. Summary of Plan Services and Costs
NOVA SOUTHEASTERN UNIVERSITY 401(K) PLAN Summary of Plan Services and Costs July 11, 2013 This summary provides important information to assist you in making decisions related to your participation in
More informationSTATEMENT YOUR RETIREMENT YOUR RETIREMENT YOUR WAY ACCOUNT INFORMATION. Your Contribution Allocation. Your Account Allocation. Your Account Balance
SAMPLE ASSOCIATES 123 SAMPLE AVENUE SUITE 987 SAMPLE CITY, ZZ 12345-6789 YOUR RETIREMENT STATEMENT Period: January 01, 2013 through March 31, 2013 JOHN Q. PARTICIPANT 123 SAMPLE WAY SAMPLETOWN, ZZ 12345
More informationPLAN. Enroll today. Enjoy tomorrow. Chicago Public Schools 403(b) Tax-Deferred Retirement Plan and 457(b) Deferred Compensation Plan
PLAN Enroll today. Enjoy tomorrow. Chicago Public Schools 403(b) Tax-Deferred Retirement Plan and 457(b) Deferred Compensation Plan saving : investing : planning Workplace retirement plans to help you
More informationGet a head start on your future. A step-by-step guide to the coming Cornell University Retirement Plan updates
Get a head start on your future. A step-by-step guide to the coming Cornell University Retirement Plan updates Retirement program updates are coming. Cornell University is committed to offering you the
More informationNuveen Intelligent Risk Conservative Allocation Fund will be liquidated after the close of business on June 24, 2016.
NUVEEN INTELLIGENT RISK CONSERVATIVE ALLOCATION FUND SUPPLEMENT DATED APRIL 18, 2016 TO THE SUMMARY PROSPECTUS DATED DECEMBER 31, 2015 Nuveen Intelligent Risk Conservative Allocation Fund will be liquidated
More informationGet a head start on your future. A step-by-step overview of the coming Swarthmore College Regular Retirement Plan updates
Get a head start on your future. A step-by-step overview of the coming Swarthmore College Regular Retirement Plan updates Welcome to your updated retirement program. What do the updates mean to you? How
More informationMorningstar Highlights
Morningstar Highlights Second quarter Data as of June 30, 2015 Invesco offers funds that have competitive performance relative to their peers across most style boxes. Below are Invesco funds with four-
More informationSAVING FOR RETIREMENT LOANS FROM YOUR RETIREMENT ACCOUNTS
SAVING FOR RETIREMENT LOANS FROM YOUR RETIREMENT ACCOUNTS TABLE OF CONTENTS 02 Borrowing Limits and Collateral 03 Getting Your Loan 05 Repaying Your Loan 09 Retirement, Group Retirement, Retirement Choice
More informationFOR DISCUSSION TODAY WHAT IS AN IRA? IRA EDUCATION WORKSHOP
IRA EDUCATION WORKSHOP More Choices, More Flexibility, More Control C40949 FOR DISCUSSION TODAY 1. WHAT IS AN IRA? 2. 3. CHOOSING YOUR IRA 4. FIVE THINGS TO REMEMBER Transfers may be subject to differences
More informationHow to make changes to your annuity income
How to make changes to your annuity income What s inside 2 Is it time to make a change? 3 Your annuity income 5 TIAA Traditional income 7 TIAA and CREF variable income 10 Ways to adjust your annuity income
More informationVariable Deferred Annuity
May 1, 2015 State Farm Life Insurance Company P R O S P E C T U S Variable Deferred Annuity profile Profile Dated May 1, 2015 STATE FARM VARIABLE DEFERRED ANNUITY POLICY STATE FARM LIFE INSURANCE COMPANY
More informationGuaranteed lifetime income is subject to the claims-paying ability of the issuing insurance company.
Get Started Today F I D E L I T Y GROWTH AND GUARANTEED INCOME, 1 Bring security and growth potential to your retirement income. Dear Investor: Thank you for your interest in the Fidelity Growth and Guaranteed
More informationLIVING WELL IN RETIREMENT MAKING THE MOST OF YOUR RETIREMENT HOW TO CHOOSE THE RIGHT INCOME OPTIONS FOR YOU
LIVING WELL IN RETIREMENT MAKING THE MOST OF YOUR RETIREMENT HOW TO CHOOSE THE RIGHT INCOME OPTIONS FOR YOU TIAA-CREF: Helping to provide you A GUARANTEED income for life For more than 90 years, we at
More informationCounty of Orange - 98984-01/02 Investment Performance as of 04/29/2016
County of Orange - 98984-01/02 Investment Performance as of 04/29/2016 Current performance may be lower or higher than performance data shown. Performance data quoted represents past performance and is
More informationWealthQuest III Variable Universal Life PERFORMANCE REPORT
The WealthQuest III Variable Universal Life Insurance is issued by American National Insurance Company, Galveston, Texas and distributed by Securities Management and Research, Inc., 2450 South Shore Boulevard,
More informationRetireReady SM Selections NY a variable annuity issued by Genworth Life Insurance Company of New York
as of November 30, 2012 RetireReady SM Selections NY 19807NY 12/01/12 Exp. 01/15/13 '2012 Genworth Financial, Inc. All rights reserved. Page 1 of 14 IMPORTANT INFORMATION The following information is designed
More informationUnderstanding Annuities
Retirement Planning Understanding Annuities Learn how these versatile investments can be part of your strategy for retirement savings and income. understanding annuities Annuities can help provide the
More informationIntelligent Life Variable Universal Life Insurance Intelligent Life Survivorship Variable Universal Life Insurance
TIAA-CREF Life Insurance Company (TIAA-CREF Life) Intelligent Life Variable Universal Life Insurance Intelligent Life Survivorship Variable Universal Life Insurance Current subaccount performance period
More information19801NY 12/01/12 Exp. 01/15/13 '2012 Genworth Financial, Inc. All rights reserved. Page 1 of 13
as of November 30, 2012 For contracts issued on or after May 1, 2003 RetireReady SM Choice NY 19801NY 12/01/12 Exp. 01/15/13 '2012 Genworth Financial, Inc. All rights reserved. Page 1 of 13 IMPORTANT INFORMATION
More informationThis guide provides you with important information about the. Gonzaga University 403(b) Retirement Plan
This guide provides you with important information about the Gonzaga University 403(b) Retirement Plan Use this guide to help you enroll in your Gonzaga University 403(b) Retirement Plan. Table of Contents
More informationImportant Information on Your Investment Options, Fees, and Other Expenses for the JPMorgan Chase 401(k) Savings Plan: Fee Disclosure Notice
November 2014 Important Information on Your Investment Options, Fees, and Other Expenses for the JPMorgan Chase 401(k) Savings Plan: Fee Disclosure Notice Important: This notice refers to the 401(k) Savings
More informationRetirement Chapters 10 SM Fixed Index Annuity
Retirement Chapters 10 SM Fixed Index Annuity Personalized Hypothetical Annuity Illustration Prepared For Im A. Client Prepared On May 1, 2015 Prepared By Im A. Producer Producer Firm 123 Any Street Anyplace,
More informationMake an Informed Decision
Make an Informed Decision Comparing Your Annuity Options 1 155274CW 04/25/13 What s the Best Choice for You? Annuities are powerful tools that can help you achieve your financial retirement goals. The
More informationAnnuities - Will Your Savings Last Your Lifetime?
SUN LIFE FINANCIAL S GUIDE TO UNDERSTANDING ANNUITIES How can an annuity help with retirement PLANNING? You ve done a good job planning for retirement and have taken advantage of a 401(k) or IRA. You know
More informationRoll-up Rate: 5% Withdrawal Percentages
PRUDENTIAL PREMIER RETIREMENT VARIABLE ANNUITIES PRUDENTIAL PREMIER ADVISOR VARIABLE ANNUITIES (Offering Highest Daily Lifetime Income v3.0) PRUCO LIFE INSURANCE COMPANY PRUCO LIFE FLEXIBLE PREMIUM VARIABLE
More informationPhiladelphia University Defined Contribution Retirement Plan. Retirement Annuity (RA) Plan. Summary Plan Description
Philadelphia University Defined Contribution Retirement Plan Retirement Annuity (RA) Plan Summary Plan Description Amended and Restated July 1, 2014 Table of Contents Part I: Information About The Plan.............................................
More information