The expanded features of TIAA-CREF provide increased flexibility and opportunity to maximize your retirement accumulations.

• PIM's asset allocation service has been designed specifically to assist you in attempting to achieve a more secure retirement.
• CREF will not transfer dollars among the various funds, unless you or your designee order such transfers.

With More Opportunities to Gain Value, WHAT DO YOU DO?

• Ignore them
• Manage your own account
• Hire a Professional

Personal Investment Management, Inc., monitors your TIAA-CREF retirement account and systematically adjusts your investments among the funds available.

If you don't worry about your retirement, who will?