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1 Eyebrow text Agenda Semibold 14/16, optional Choice matters Title on two lines in with Portfolio Advisor Agenda Bold 38/40 Cover subtitle is Agenda Bold 18/21
2 Investing built around you Your goals. Your values. Your preferences. A personalized investment portfolio reflects your goals, your time frame and your comfort with risk. But that s only half the story. The freedom to choose an investing style that aligns with your personal values and preferences is just as important. With TIAA s Portfolio Advisor, your unique preferences are built into the process, giving you a portfolio that mirrors what matters most to you. What s important to you? Advice and fund management options Active or passive investing Reduce the impact of market downturns Managing income Socially responsible investing Minimized tax exposure 2 Choice matters with Portfolio Advisor
3 Crafting your customized portfolio Your portfolio is designed around several core preferences Your dedicated advisor will ask you to answer a few questions to help us learn more about your preferences and guide us as we design your unique investment strategy. The strategy considers a combination of the following key factors in the construction of your portfolio: Meeting or beating the market, or mitigating against significant market downturns (downside risk) Active or passive investment management Meet or beat the market Core preferences Meet or beat the market 1 with passive investing Mitigate downside risk with passive investing Passive Active 3 Meet or beat the market with passive and active investing Mitigate downside risk with passive and active investing 5 Meet or beat the market with active investing Mitigate downside risk 6 Mitigate downside risk with active investing Please note that no strategy can eliminate or anticipate all market risks and losses can occur. Further refine your customized portfolio among the following strategy overlays: Tax minimization or maximum pretax growth Managed income (to support withdrawals) or growth TIAA or unaffiliated party for portfolio construction TIAA affiliated or broader fund selection Socially responsible investing or broad spectrum Choice matters with Portfolio Advisor 3
4 Understanding the core preferences Meet or beat the market TIAA will manage your portfolio risk primarily through traditional asset allocation. (Asset allocation does not guarantee against a loss of principle.) Investment selection will focus on managers who attempt to match the benchmark to which their performance is compared (passive or indexed management) or to beat the benchmark (active management).* While a specific benchmark may outperform your portfolio at any given time, the goal is to meet or beat the market average as a whole when you consider the various indices within a broadly diversified portfolio. * Benchmarks are baskets of securities or funds (an index) that generally represent the market performance of a sub-asset category such as large-cap stocks in the S&P Index or small-cap stocks in the Russell A blended benchmark is often used to measure the relative performance of an entire portfolio in relation to a blend of indices. You cannot invest directly in any index. Unlike mutual funds, index returns do not reflect a deduction for fees or expenses. Downside risk mitigation If you are concerned about significant losses during market downturns, the downside risk mitigation approach may be for you. These portfolios are designed to reduce but not eliminate portfolio losses during market declines compared to the meet or beat portfolio. Keep in mind that while selecting this preference may help reduce the impact of market volatility, the portfolio may lag at times as a result of risk mitigation. 3 2 Percentage increase/decrease W Downside Risk Mitigated W Hypothetical Equity Market Performance 4 Choice matters with Portfolio Advisor
5 Passive investing This strategy tracks a market-weighted index such as the S&P 500. It is mostly associated with the equity markets but is also becoming more common with fixed-income investments. This strategy has low maintenance costs but does not take advantage of investment styles used by experienced fund managers to potentially improve performance based on market conditions. Active investing With this strategy, active fund managers seek to outperform the strategy benchmark. Managers are chosen for their investment style, philosophy, methodology and ability to potentially outperform in either rising or falling markets. Fund asset allocations may fluctuate as managers weigh market conditions and potential efficiencies in specific sectors. Due to the higher cost of an actively managed approach, actively managed funds must perform better than passively managed funds to beat their net returns. A mix of both If you do not have a preference for either passive or active investing, you may want to consider a blend of the two. TIAA s Portfolio Advisor offers a core-satellite approach intended to: 1) leverage active managers in satellite asset classes where they have the greatest potential to either outperform a strategy benchmark or reduce volatility, and 2) leverage less expensive, passive management for core asset classes where market participation is important and the ability to outperform market indicators is less certain. Passive Coresatellite approach (mix of passive and active) Active In addition, passive fixed-income investments are used as an anchor with active management. This mix between passive and active management helps balance acceptable risks and client preferences. You cannot invest directly in any index. Index returns do not reflect a deduction for fees or expenses. Choice matters with Portfolio Advisor 5
6 Understanding additional overlays Tax minimization If your portfolio is not a retirement account and subject to taxes, then a preference for tax minimization may be helpful in reducing the amount of capital erosion caused by taxes on security transactions in your portfolio. The selling of securities in your portfolio because of withdrawals or rebalancing to maintain your asset allocation strategy may lead to a tax burden, including capital gains. Investing for tax efficiency can help you manage your capital gains tax bill. With Portfolio Advisor, tax efficiency is pursued in two primary ways. 1. Portfolio construction Municipal bonds and exchange-traded funds (ETFs) can help minimize taxes when included in your portfolio. Municipal bonds may be exempt from federal, state and local taxes. Interest earned is generally federal income tax free. ETFs, which track a basket of assets like an index fund, only realize capital gains when the entire investment is sold. A mutual fund, however, may incur capital gains every time an asset within the fund is sold throughout the life of the investment. Hypothetical portfolio Municipal bonds U.S. bonds ETFs U.S. stocks 2. Tax loss harvesting In any given year, there are winners and losers in your portfolio. One way to minimize the impact of capital gains on the winners is to offset them with losses from investments that went down in value. If you choose the tax minimization strategy, Portfolio Advisor periodically seeks opportunities to sell holdings with unrealized losses to offset realized gains. 6 Choice matters with Portfolio Advisor
7 Managing income Managed income strategies seek to mitigate the special risks and investment challenges that can impact your portfolio s ability to sustain regular distributions as part of a broader income plan. These risks include the timing of market downturns, rising interest rates and inflation. Risks can be potentially minimized (but not eliminated) by properly structuring and managing your portfolio. Keep in mind that while selecting this preference may help reduce the impact of market volatility, the portfolio may lag at times as a result of risk mitigation. The lifecycle of a retirement portfolio If you re close to or in retirement, it could be time to take a different approach to investing after years of focusing on growth. Why? There are two equally important phases in a typical retirement portfolio: 1. The accumulation phase, when you work and save to build up assets. 2. The distribution phase, when you start taking income to help meet your living expenses for a retirement that could last 30 years or more. Since each phase has different goals, it makes sense to manage your portfolio differently to pursue them. It s also important to consider how you manage preretirement risks to potentially produce meaningful outcomes during the years just before retirement. Transition Accumulation phase Distribution phase Assets Age Choice matters with Portfolio Advisor 7
8 Understanding additional overlays, cont. TIAA or unaffiliated portfolio construction Portfolio Advisor gives you the flexibility to choose between TIAA or unaffiliated, third-party investment advice exclusively for asset allocation and investment selection. Choosing TIAA offers the benefit of customization and advice from a variety of sources, including both TIAA and unaffiliated research, in the building of your portfolio. As an alternative, you can choose to have third-party investment advice. However, you will then not have access to TIAA advice. In either case, TIAA will remain responsible for implementing your investment choices as part of your customized portfolio. Fund management selection You can also choose to have TIAA manage all or some of the investments in your portfolio. When you select TIAA, a TIAA-affiliated fund will be included if it meets the base quality screenings and is also available with other preferences you may have selected.* Keep in mind that not selecting TIAA will typically result in a broader range of outside fund managers. With any preference you choose, your portfolio holdings are carefully selected from a wide range of investments that pass our rigorous screening and review process. Portfolio construction matching your investment strategy Funds and securities managed solely by TIAA Funds and securities from a wider selection of managers Unaffiliated Unaffiliated Unaffiliated * Selecting the TIAA preference will not necessarily result in a portfolio constructed solely of TIAA-affiliated investments. 8 Choice matters with Portfolio Advisor
9 Socially responsible investments Are you someone who Thinks about social factors when making decisions? Proactively seeks socially responsible investment options? Views investing as a way to express your values? Some investors like to live green both in their day-to-day lives and with their investment choices. With this preference, you may specify a preference for managers that are restricted to investing in socially responsible companies. To qualify, fund managers consider the following criteria: Environmental How a company manages or impacts natural resources. Social How a company manages relationships with employees, vendors and the community. Governance How a company manages accuracy and transparency of operations, as well as conflicts of interest. Socially conscious investment choices may be limited depending on the asset class. You may also choose to avoid socially minded investments or have no preference. Investments in socially responsible funds are subject to the risk that because social criteria excludes securities of certain issuers for non-financial reasons, investors may forgo some market opportunities available to those that don t use these criteria. Choice matters with Portfolio Advisor 9
10 What are your preferences? Speak to a TIAA wealth management advisor TIAA s record of success Our advisors will work with you to construct a well-diversified portfolio that suits your unique goals and values, and that balances the potential for return with your tolerance for risk. Together, discover the strategies that best match your personal investment style. With TIAA you re getting the dedication of a company that has been helping people like you for 100 years. Backed by an array of investment resources, TIAA has a long track record of mindfully managing money. Active/passive investing Socially responsible Choice of strategies Tax minimization Downside risk mitigation Managing income Sources of advice Meet or beat the market Contact your TIAA advisor or call Choice matters with Portfolio Advisor Title of brochure is ITC Franklin Gothic Std Book 8/10, sentence case 10
11 Choice matters with Portfolio Advisor 11
12 No method of investing can ensure a profit or guarantee against loss. This material is for informational or educational purposes only and does not constitute investment advice under ERISA. This material does not take into account any specific objectives or circumstances of any particular investor, or suggest any specific course of action. Investment decisions should be made based on the investor s own objectives and circumstances. Portfolio Advisor is a fee based service. In addition, portfolio securities may have their own asset based management fees. Consult the appropriate product literature for more details. Portfolio Advisor is provided by Advice and Planning Services, a division of TIAA-CREF Individual & Institutional Services, LLC, a registered investment advisor. 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. Investment products may be subject to market and other risk factors. See the applicable product literature, or visit TIAA.org for details. You should consider the investment objectives, risks, charges, and expenses carefully before investing. Please call 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, Teachers Personal Investors Services, Inc., and Nuveen Securities, LLC, Members FINRA and SIPC, distribute securities products Teachers Insurance and Annuity Association of America-College Retirement Equities Fund, 730 Third Avenue, New York, NY A40300 (09/18)
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