Share Class Information

Share Class Information

Share Class

Up-front Sales Charge

Commission to B/D

12b-1 Fee1

CDSC2

A Shares (See Below) Yes - 3.50% up to $99,999 See breakpoints below 3.00% 0.25% None
 AR Shares (Rollovers)3 None 1.00% Up-front 1.00% through year 1 then converts to A at 0.25% 1.00% for 12 months from rollover
C1 Shares (Index Funds Only) None 0.50% 0.50% O.50% for 12 months
C Shares None 1.00% 1.00% through year 5 then converts to A at 0.25% 1.00% for 12 months
W Shares (For RIAs)   None None None None
TIAA-CREF Principal Protection Option  None None 0.05% None

A Share Breakpoints

Purchase Amount

Up-front Sales Charge

Commission to B/D

$0-$99,999 3.50% 3.00%
$100,000-$249,999 2.50% 2.00%
$250,000 - $499,999 1.75% 1.50%
$500,000 - $999,999 1.25% 1.00%
$1,000,000+ None 1.00%

 

1 12b-1 fees typically are paid at the beginning of the 13th month

2 Purchase of $1,000,000 that pay a selling institution commission of 1% have an 18 month CDSC.

Class AR shares are not subject to an annual account maintenance fee. AR shares are not available at all firms. For financial professional use only. Not for inspection by, distribution or quotation to, the general public.

All Investment options will offer these share class structures with the exception of TIAA-CREF Principal Protection Option.

Note that C1 does not apply to the TIAA-CREF Principal Protection Option which carries no sales load or CDSC. In addition to Program Fees, a 5 bps 12b-1 is charged on this Option and paid to Advisors.