FOR DISCUSSION TODAY WHAT IS AN IRA? IRA EDUCATION WORKSHOP

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1 IRA EDUCATION WORKSHOP More Choices, More Flexibility, More Control C40949 FOR DISCUSSION TODAY 1. WHAT IS AN IRA? CHOOSING YOUR IRA 4. FIVE THINGS TO REMEMBER Transfers may be subject to differences in features, costs, and surrender charges. Nondirect transfers may be subject to taxation, and penalties. Consult with your tax advisor regarding your particular situation. WHAT IS AN IRA? Individual Retirement Account Available for a nonworking spouse Earnings can grow tax deferred or tax free Tool to use to provide you alternate sources of income 1

2 WHAT IS AN IRA? TRADITIONAL IRA THE POWER OF COMPOUND INTEREST $3,000 ANNUALLY AT 6% Individual Contributions Rate of Return 6% $300,000 $250,000 $200,000 $150,000 $100,000 $50,000 $0 $30,000 $41,915 $60,000 $116,978 $90, Years 20 Years 30 Years $251,405 Assumptions: Your investments earn 6% annually. This is an illustration of the effects of interest compounding and is not intended to represent the performance of the TIAA CREF accounts. This chart does not reflect deduction of any expenses for any of the TIAA CREF accounts. The calculations assume a 6% return on investment with no withdrawals during the period indicated, and do not reflect deduction of any expenses. If expenses were included, the performance would be lower. The assumed rate is purely hypothetical and is not intended to predict the actual performance of any account. Total returns and the principal value of investments in the variable annuity accounts will fluctuate and yields may vary. Withdrawals of earnings from a retirement account or annuity are subject to ordinary income tax. A federal 10% tax penalty may apply for withdrawals made prior to age See your tax advisor for more information on your particular situation. Tax advantages now Tax advantages later Consolidating assets* Diversifying your investments** * Before transferring assets or replacing an existing annuity, be sure to carefully consider the benefits of both the existing and new product. There will likely be differences in features, costs, surrender charges, services, company strength and other important aspects. There may also be tax consequences associated with the transfer of assets. Indirect transfers may be subject to taxation and penalties. Consult with your own advisors regarding your particular situation. ** Diversification is a technique to help reduce risk. There is no absolute guarantee that diversification will protect against a loss of income. TAX ADVANTAGES NOW OR LATER? Tax Advantages Now > You want a tax deduction now > You have self employment income Tax Advantages Later > You prefer tax free income > You have estate planning considerations TIAA CREF nor its affiliates provide tax advice. Please consult your tax advisor. 2

3 TAX ADVANTAGES NOW TRADITIONAL IRA HIGHLIGHTS Contributions are: > Available to anyone under age 70½ with earned income > Contributions are tax deductible to those who qualify > Taxable upon withdrawal* If you are over age 70½, traditional IRAs can be used to consolidate/rollover from other sources * Applies to tax deductible contributions and all earnings. Withdrawals of earnings are subject to ordinary income tax and a federal 10% penalty may apply prior to age 59 1/2. CONSIDER TAXES WHEN CHOOSING PRODUCTS TRADITIONAL AND ROTH IRAS GREAT FOR ADDITIONAL RETIREMENT SAVINGS! YEAR IRA* 50+ CATCH UP TOTAL $ YEARLY 2009* $5,000 $1,000 $6, * $5,000 $1,000 $6,000 * After 2008, indexing will be in $500 increments, subject to inflation. IRA contribution limits rise for deductible and nondeductible. Traditional and Roth IRAs. Eligibility to participate in a Roth IRA is subject to income limits. TAX ADVANTAGES NOW SEP IRA HIGHLIGHTS Simplified Employee Pension (SEP) IRA For those with self employment income Potential for increased contribution limit Contributions reported on business tax forms 3

4 TAX ADVANTAGES LATER ROTH IRA HIGHLIGHTS Contributions are after tax and can be withdrawn at any time Earnings are tax free upon withdrawal after the account has been opened five years* and: > Attainment of age 59½ > Due to death or disability > If qualified for first home purchase exclusion (up to $10,000) * Neither TIAA CREF nor its affiliates provide tax advice. Please consult your tax advisor. TAX ADVANTAGES LATER YOU HAVE ESTATE PLANNING CONSIDERATIONS Minimum distribution considerations Stretching out your withdrawals for tax purposes YOU HAVE ESTATE PLANNING CONSIDERATIONS MINIMUM DISTRIBUTION AND IRA ACCOUNTS Minimum amount required by IRS at age 70½ for Traditional IRA and SEP IRA Amount determined by IRS life expectancy table Not applicable to Roth IRA 4

5 CONSOLIDATING YOUR ASSETS WHY CONSOLIDATE? Potentially reduce expenses Change your investments Seek a higher service level Are you seeking to simplify your life? Before transferring assets or replacing an existing annuity, be sure to carefully consider the benefits of both the existing and new products. There will likely be differences in features, costs, surrender charges, services, company strength and other important aspects. There may also be tax consequences associated with the transfer of assets. Indirect transfers may be subject to taxation and penalties. Consult with your own advisors regarding your particular situation. CONSOLIDATING YOUR ASSETS CONSIDER WHAT IT COSTS YOU No fee IRA * Low management fees ** *There is no account fee to own a TIAA CREF IRA. However, brokerage transaction fees may apply. In addition, investors are subject to the underlying funds portfolio management fees and expenses. ** Morningstar Direct (September 2009) based on Morningstar expense comparisons by category. MAKE YOUR MONEY WORK FOR YOU COMPARE EXPENSES $10,000 INVESTED OVER 30 YEARS EARNING 6% $60,000 $50,000 $40,000 $31,330 $36,497 $49,416 $30,000 $20,000 $10,000 $0 2.00% 1.50% 0.50% $10,000 $10,000 $10,000 Higher Moderate Lower EXPENSES This chart assumes expenses are withdrawn from the account at year end, based on year end assets. It is presented for illustrative purposes only and does not reflect actual performance, deduction of taxes or predict future results of any TIAA CREF account. Before committing money to an account, be sure to check its expenses. However, lower expenses do not mean higher returns. 16 5

6 CONSOLIDATING YOUR ASSETS LOOKING FOR A NEW INVESTMENT CHOICE? Variety of investment types > Annuities > Mutual funds, including lifecycle funds > Individual securities Variety of asset classes > Stable value > Income > Growth > Multi asset CONSOLIDATING YOUR ACCOUNTS CHOOSING A FINANCIAL SERVICES PROVIDER Trustworthiness Management experience Diversity of product offerings Ease of doing business Fee structure CHOOSING A FINANCIAL SERVICES PROVIDER TIAA CREF SERVICE ADVANTAGES Quarterly and annual statements Knowledgeable consultants available to assist you Informative publications Online allocation and product tools All available with your no fee IRA 6

7 CONSOLIDATING YOUR ASSETS TO SIMPLIFY YOUR ACCOUNTS Consolidate your IRA accounts Convert your Traditional IRA to Roth Consolidate different plans Rollover vs. transfer* * Before transferring assets or replacing an existing annuity, be sure to carefully consider the benefits of both the existing and new products. There will likely be differences in features, costs, surrender charges, services, company strength and other important aspects. There may also be tax consequences associated with the transfer of assets. Indirect transfers may be subject to taxation and penalties. Consult with your own advisors regarding your particular situation. Provided your employer s plan accepts the rollover. TO SIMPLIFY YOUR ACCOUNTS ROLLING OVER TO A TIAA CREF IRA We accept: > Assets from other IRAs > Distributions from retirement plans TIAA CREF managed Former employer s pension plan > Spousal death benefits from TIAA CREF or other retirement plans > Payments under a QDRO if you are the former spouse of a TIAA CREF participant TIAA CREF nor its affiliates provide tax advice. Please consult your tax advisor. CONVERTING TO A ROTH IRA Should I Convert? Who is Eligible? New for 2010 Higher tax bracket at retirement Time horizon Cost of conversion Estate planning benefits Must originate from a Traditional IRA or pension plan Everyone is eligible regardless of income or filing status Income rules eliminated Can pay taxes on the conversion in 2010 or split the tax liability between 2011 and

8 DIVERSIFYING YOUR INVESTMENTS INVESTMENT SOLUTIONS IRA Choose a single Lifecycle Mutual Fund Build your own portfolio Diversifying your IRA at TIAA CREF is simple and can help give you more control* Investors should be aware that, in addition to the fees and expenses associated with the Lifecycle Funds, there is exposure to the fees and expenses associated with the underlying investment options. * Diversification is a technique to help reduce risk. There is no absolute guarantee that diversification will protect against or a loss of income of principal. DIVERSIFYING YOUR INVESTMENTS PORTFOLIO ADVISOR IRA Advisor works directly with you Customization and personalization available Includes broad selection of mutual funds and ETFs Competitive fees Minimum initial investment: $50,000 DIVERSIFYING YOUR INVESTMENTS PRIVATE ASSET MANAGEMENT MANAGED IRA A Portfolio Manager works directly with you Manager makes investment decisions at your discretion Competitive fees Minimum initial investment: $750,000 8

9 DIVERSIFYING YOUR INVESTMENTS CHOOSING A LIFECYCLE Pre mixed asset allocation portfolio options for a range of investor profiles Asset allocation for each is geared toward what s appropriate for that time horizon Choose the fund closest to your expected year of retirement Percentage of conservative allocations is increased as retirement approaches LOOKING FOR OPPORTUNITIES IN A DOWNTURN TIAA CREF LIFECYCLE S:* Asset allocations become more conservative as you approach retirement. As with all mutual funds, the principal value isn t guaranteed. Also, the target date of the Lifecycle Fund is an approximate date when investors may begin withdrawing from the fund Fixed Income Funds Equity Funds Retirement Income Fund * Available through the Retirement Class of shares of TIAA CREF Retirement Mutual Funds. In addition to the fees and expenses associated with the Lifecycle Funds, there is exposure to the fees and expenses associated with the underlying investment options. Please note that TIAA CREF Lifecycle Funds are actively managed, so their asset allocations are subject to change and may vary from those shown or discussed. Approximately seven to ten years after a Lifecycle Fund s target date, the fund may merge into the Lifecycle Retirement Income Fund or a similar fund. DIVERSIFYING YOUR INVESTMENTS LIFECYCLE BENEFITS Simplified decision making single choice option Automatically provides broad diversification Includes ongoing professional management Provides automatic portfolio reallocation 9

10 DIVERSIFYING YOUR INVESTMENTS BUILD YOUR OWN PORTFOLIO You make asset mix and reallocation decisions Individual annuity accounts and mutual funds are managed by portfolio managers Two levels of investment choice to pick from: > Choose from many investment options > Select the brokerage option for more opportunities Diversification does not protect against losses. BUILD YOUR OWN PORTFOLIO TIAA CREF INVESTMENT ASSET CLASSES ASSET CLASSES GUARANTEED MONEY MARKET FIXED INCOME REAL ESTATE MULTI ASSET EQUITIES L O W E R R I S K M E D I U M R I S K H I G H E R R I S K DIVERSIFYING YOUR INVESTMENTS SELECT THE SELF DIRECTED BROKERAGE FEATURE Allows access to additional types of products and investments Assistance from a team of TIAA CREF investment specialists Competitive fees For questions call: TIAA CREF Brokerage Services is a division of TIAA CREF Individual & Institutional Services LLC, member of FINRA. 10

11 CHOOSING YOUR IRA CONSIDERATIONS Contribution purpose Amount available for investment Age at time of withdrawal Tax bracket Existence of a more appropriate product CHOOSING YOUR IRA CONSIDERATIONS: DISTRIBUTIONS FROM TRADITIONAL IRAs Taxed as income upon withdrawal:* > Accumulations attributable to deductible contributions and earnings > Earnings that accrue as a result of after tax contributions Exceptions to 10% early withdrawal penalty * Applies to tax deductible contributions and all earnings. Withdrawals of earnings are subject to ordinary income tax and a federal 10% penalty may apply prior to age 591/2. CHOOSING YOUR IRA CONSIDERATIONS: DISTRIBUTIONS FROM ROTH IRAs Contributions can be withdrawn anytime, for any reason, without penalty or additional tax If account is open for at least five years: > Up to $10,000 of earnings can be withdrawn tax free, at any age, for first home purchase > Tax free withdrawals of earnings at 59½ > Tax free distribution also permitted upon death or disability Exceptions to 10% early withdrawal penalty: > Same as the Traditional IRA 11

12 This hypothetical example is not intended as a prediction of individual results. It is not intended to represent the performance of any specific investment product(s). FIVE THINGS TO REMEMBER More choices provide you more options More options provide you more flexibility More flexibility gives you more control The ability to participate with a company with a reputation for excellence and integrity is a key factor Low expenses can leave more money in your pocket FIVE THINGS TO REMEMBER WHY WAIT! Consider opening an IRA now Consolidate your assets for simplified planning TIAA CREF is ready to assist with your planning! 12

13 FIVE THINGS TO REMEMBER WHY WAIT ONLINE IRA ENROLLMENT Signing your name is a thing of the past Now, all you need is your computer For e signature and Electronic Funds Transfer (EFT) Note: online enrollment is not available for all products mentioned FIVE THINGS TO REMEMBER ONLINE ENROLLMENT WHAT IS E SIGNATURE AND EFT? To add security when you enroll online: > e signature Electronic Funds Transfer (EFT): > An electronic way to move money from your checking/savings account to another financial institution > There is no additional charge for using EFT FIVE THINGS TO REMEMBER ONLINE ENROLLMENT START WITH OUR ONLINE APPLICATION Enroll in five simple steps: > Choose your type of account > Enter your personal information > Fund your IRA > Choose your investments > Review and submit 13

14 FIVE THINGS TO REMEMBER WHILE ONLINE YOU CAN Review options for consolidation Research about IRAs Use our online tools OUR SOCIAL MEDIA PROPERTIES Become a Fan Follow us on Facebook.com/TIAA CREF Join your peers in Twitter.com/TC_Talks iphone App redefining retirement itunes podcasts 43 Call us at Visit us at tiaa cref.org Please note: Neither TIAA CREF nor its affiliates provide legal or tax advice. Please consult with your advisors. The tax information contained herein is not intended to be used, and cannot be used, for the purpose of avoiding tax penalties that may be imposed on you. It was written to support the promotion of the products and services addressed herein. You should seek advice based on your own particular circumstances from an independent tax advisor. TIAA CREF Individual & Institutional Services, LLC and Teachers Personal Investors Services, Inc., members FINRA, distribute securities products. Insurance and annuity products are issued by TIAA (Teachers Insurance and Annuity Association), New York, NY and TIAA CREF Life Insurance Company, New York, NY. IRA Annuity Contract Form Series and and Roth IRA Contract Form Series and (Not available in all states).tiaa CREF Trust Company, FSB provides trust services. TIAA CREF Tuition Financing Inc. 529 College Savings Plans are offered through TFI. Advice and Planning Services is a division of TIAA CREF Individual & Institutional Services LLC Teachers Insurance and Annuity Association College Retirement Equities Fund (TIAA CREF), 730 Third Avenue, New York, NY

15 IMPORTANT INVESTMENT INFORMATION You should consider the investment objectives, risks, charges and expenses carefully before investing. Please call or visit tiaa cref.org for a prospectus that contains this and other information. Please read the prospectus carefully before investing. TIAA CREF IS HERE FOR YOU tiaa cref.org Life Insurance College savings and other priorities Taxadvantaged saving No fee IRAs* Brokerage Services Mutual Funds * There is no account fee to own a TIAA CREF IRA; however, brokerage transaction fees may apply. In addition, investors are subject to the underlying funds portfolio management fees and expenses. 15

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