TIAA-CREF is pleased to help the employees of Ashland University plan for retirement.
When you select TIAA-CREF to help meet your financial needs, you’re more than a client—you’re a participant.
That means we participate in a relationship with you that’s all about your personal financial journey and the specific goals you have for yourself and your family.
It’s a two-way relationship—in which we listen to what’s important to you, and where you want to be financially five, ten or even thirty years from now. Once we understand where you want to go, we can offer the choices and guidance to help you get there.
For almost 100 years, TIAA-CREF has been dedicated to the needs of our participants and their families – those, like you, who serve the greater good through your work in the academic, medical, cultural and research fields. With our strong nonprofit heritage, we have long subscribed to a different set of guiding principles:
Consistent, long-term performance and solid returns
We have a variety of investment products with impressive track records over the long term. Having invented variable annuities in 1952, TIAA-CREF has long pioneered their use in funding retirement investing and generating income in retirement.
Personalized retirement plan advice by highly trained consultants
Our expert consultants can give you a personalized analysis of your portfolio, designed to help you plan and invest for a more successful retirement, based on your career stage and retirement income goals.
As an individual investor, you should gain confidence from the fact that TIAA-CREF is trusted by a host of premier institutions across the nation. We’ve been a leader in corporate governance and accounting reform for many years — issues that underlie our commitment to protecting your assets for the long term.
We are committed to keeping our fees low to ensure more of your money is working hard for you. At TIAA-CREF, our fees are generally less than half the mutual fund industry average.
† We serve 4.8 million individuals overall and 3.7 million clients in institutional retirement plans.
1 Morningstar ratings include Retail, Retirement, Premier and Institutional fund share classes; CREF Variable Annuity Accounts; and the Life Funds. Please note Morningstar rates CREF group variable annuities within the open-end mutual fund universe. Current rankings may be higher or lower on a monthly basis. Morningstar is an independent service that rates mutual funds and variable annuities. The top 10% of accounts in an investment category receive five stars, the next 22.5% receive four stars, and the next 35% receive three stars. Morningstar proprietary ratings reflect historical risk-adjusted performance and can change every month. They are calculated from the account’s three-, five- and ten-year average annual returns in excess of 90-day Treasury bill returns with appropriate fee adjustments, and a risk factor that reflects subaccount performance below 90-day T-bill returns. The overall star ratings are Morningstar’s published ratings, which are weighted averages of its three-, five- and ten-year ratings for periods ended March 31, 2014. Past performance cannot guarantee future results. For current performance and rankings, please visit https://www.tiaa-cref.org/public/tcfpi/InvestResearch.
2 Source: TIAA-CREF Advice & Planning, 2012.
3 Based on Morningstar data, the expense ratio on all mutual fund products and variable annuity accounts managed by TIAA-CREF is generally less than half the mutual fund industry average. (70% are less than half their respective Morningstar Universe average and 60% are less than half their respective Morningstar Universe median.) Our mutual fund and variable annuity products are subject to various fees and expenses, including but not limited to management, administrative, and distribution fees; our variable annuity products have an additional mortality and expense risk charge.
4 LIMRA, Not-for-Profit Market Survey, fourth-quarter 2012 results. Average assets per participant based on full-service business. Please note average retirement account balances are not a measure of performance of TIAA-CREF retirement offerings.
5 PSCA Signature Awards are based on evaluations of retirement program characteristics and marketing objectives. Awards do not reflect performance of participant accounts or products.
6 Gold from Corporate Insight 2012 Monitor Awards is in the category of Annuities and is based on comprehensiveness and organization of client account data. Awards do not reflect performance of participant accounts or products.
All information provided by TIAA-CREF and Ashland University's Human Resources Department.