0000930413-19-002661.txt : 20191011 0000930413-19-002661.hdr.sgml : 20191011 20191011093300 ACCESSION NUMBER: 0000930413-19-002661 CONFORMED SUBMISSION TYPE: 485BPOS PUBLIC DOCUMENT COUNT: 103 FILED AS OF DATE: 20191011 DATE AS OF CHANGE: 20191011 EFFECTIVENESS DATE: 20191011 FILER: COMPANY DATA: COMPANY CONFORMED NAME: TIAA-CREF FUNDS CENTRAL INDEX KEY: 0001084380 IRS NUMBER: 134055167 STATE OF INCORPORATION: DE FISCAL YEAR END: 0930 FILING VALUES: FORM TYPE: 485BPOS SEC ACT: 1933 Act SEC FILE NUMBER: 333-76651 FILM NUMBER: 191147139 BUSINESS ADDRESS: STREET 1: 730 THIRD AVE. CITY: NEW YORK STATE: NY ZIP: 10017 BUSINESS PHONE: 2129166746 MAIL ADDRESS: STREET 1: 730 THIRD AVE. CITY: NEW YORK STATE: NY ZIP: 10017 FORMER COMPANY: FORMER CONFORMED NAME: TIAA CREF INSTITUTIONAL MUTUAL FUNDS DATE OF NAME CHANGE: 19990415 FILER: COMPANY DATA: COMPANY CONFORMED NAME: TIAA-CREF FUNDS CENTRAL INDEX KEY: 0001084380 IRS NUMBER: 134055167 STATE OF INCORPORATION: DE FISCAL YEAR END: 0930 FILING VALUES: FORM TYPE: 485BPOS SEC ACT: 1940 Act SEC FILE NUMBER: 811-09301 FILM NUMBER: 191147138 BUSINESS ADDRESS: STREET 1: 730 THIRD AVE. CITY: NEW YORK STATE: NY ZIP: 10017 BUSINESS PHONE: 2129166746 MAIL ADDRESS: STREET 1: 730 THIRD AVE. CITY: NEW YORK STATE: NY ZIP: 10017 FORMER COMPANY: FORMER CONFORMED NAME: TIAA CREF INSTITUTIONAL MUTUAL FUNDS DATE OF NAME CHANGE: 19990415 0001084380 S000005375 TIAA-CREF Lifecycle 2010 Fund C000014639 Retirement Class TCLEX C000047972 Institutional Class TCTIX C000079559 Premier Class TCTPX C000162552 Advisor Class TCLHX 0001084380 S000005376 TIAA-CREF Lifecycle 2015 Fund C000014640 Retirement Class TCLIX C000047973 Institutional Class TCNIX C000079560 Premier Class TCFPX C000162553 Advisor Class TCNHX 0001084380 S000005377 TIAA-CREF Lifecycle 2020 Fund C000014641 Retirement Class TCLTX C000047974 Institutional Class TCWIX C000079561 Premier Class TCWPX C000162554 Advisor Class TCWHX 0001084380 S000005378 TIAA-CREF Lifecycle 2025 Fund C000014642 Retirement Class TCLFX C000047975 Institutional Class TCYIX C000079562 Premier Class TCQPX C000162555 Advisor Class TCQHX 0001084380 S000005379 TIAA-CREF Lifecycle 2030 Fund C000014643 Retirement Class TCLNX C000047976 Institutional Class TCRIX C000079563 Premier Class TCHPX C000162556 Advisor Class TCHHX 0001084380 S000005380 TIAA-CREF Lifecycle 2035 Fund C000014644 Retirement Class TCLRX C000047977 Institutional Class TCIIX C000079564 Premier Class TCYPX C000162557 Advisor Class TCYHX 0001084380 S000005382 TIAA-CREF Lifecycle 2040 Fund C000014647 Retirement Class TCLOX C000047978 Institutional Class TCOIX C000079566 Premier Class TCZPX C000162559 Advisor Class TCZHX 0001084380 S000012194 TIAA-CREF Managed Allocation Fund C000033271 Retail Class TIMRX C000033272 Retirement Class TITRX C000033273 Institutional Class TIMIX 0001084380 S000019659 TIAA-CREF Lifecycle 2045 Fund C000054991 Institutional Class TTFIX C000054992 Retirement Class TTFRX C000079575 Premier Class TTFPX C000162574 Advisor Class TTFHX 0001084380 S000019660 TIAA-CREF Lifecycle 2050 Fund C000054993 Institutional Class TFTIX C000054994 Retirement Class TLFRX C000079576 Premier Class TCLPX C000162575 Advisor Class TFTHX 0001084380 S000019661 TIAA-CREF Lifecycle Retirement Income Fund C000054995 Retail Class TLRRX C000054996 Institutional Class TLRIX C000054997 Retirement Class TLIRX C000079577 Premier Class TPILX C000162576 Advisor Class TLRHX 0001084380 S000026498 TIAA-CREF Lifecycle Index 2010 Fund C000079517 Institutional Class TLTIX C000079518 Premier Class TLTPX C000079519 Retirement Class TLTRX C000162577 Advisor Class TLTHX 0001084380 S000026499 TIAA-CREF Lifecycle Index Retirement Income Fund C000079520 Institutional Class TRILX C000079521 Premier Class TLIPX C000079522 Retirement Class TRCIX C000162578 Advisor Class TLIHX 0001084380 S000026501 TIAA-CREF Lifecycle Index 2015 Fund C000079527 Institutional Class TLFIX C000079528 Premier Class TLFPX C000079529 Retirement Class TLGRX C000162580 Advisor Class TLFAX 0001084380 S000026502 TIAA-CREF Lifecycle Index 2020 Fund C000079530 Institutional Class TLWIX C000079531 Premier Class TLWPX C000079532 Retirement Class TLWRX C000162581 Advisor Class TLWHX 0001084380 S000026503 TIAA-CREF Lifecycle Index 2025 Fund C000079533 Institutional Class TLQIX C000079534 Premier Class TLVPX C000079535 Retirement Class TLQRX C000162582 Advisor Class TLQHX 0001084380 S000026504 TIAA-CREF Lifecycle Index 2030 Fund C000079536 Institutional Class TLHIX C000079537 Premier Class TLHPX C000079538 Retirement Class TLHRX C000162583 Advisor Class TLHHX 0001084380 S000026505 TIAA-CREF Lifecycle Index 2035 Fund C000079539 Institutional Class TLYIX C000079540 Premier Class TLYPX C000079541 Retirement Class TLYRX C000162584 Advisor Class TLYHX 0001084380 S000026506 TIAA-CREF Lifecycle Index 2040 Fund C000079542 Institutional Class TLZIX C000079543 Premier Class TLPRX C000079544 Retirement Class TLZRX C000162585 Advisor Class TLZHX 0001084380 S000026507 TIAA-CREF Lifecycle Index 2045 Fund C000079545 Institutional Class TLXIX C000079546 Premier Class TLMPX C000079547 Retirement Class TLMRX C000162586 Advisor Class TLMHX 0001084380 S000026508 TIAA-CREF Lifecycle Index 2050 Fund 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Lifestyle Growth Fund C000107525 Premier Class TSGPX C000107526 Retail Class TSGLX C000107527 Retirement Class TSGRX C000107528 Institutional Class TSGGX C000162595 Advisor Class TSGHX 0001084380 S000034961 TIAA-CREF Lifestyle Income Fund C000107529 Institutional Class TSITX C000107530 Premier Class TSIPX C000107531 Retail Class TSILX C000107532 Retirement Class TLSRX C000162596 Advisor Class TSIHX 0001084380 S000034962 TIAA-CREF Lifestyle Moderate Fund C000107533 Institutional Class TSIMX C000107534 Premier Class TSMPX C000107535 Retail Class TSMLX C000107536 Retirement Class TSMTX C000162597 Advisor Class TSMHX 0001084380 S000046661 TIAA-CREF Lifecycle 2060 Fund C000145612 Institutional Class TLXNX C000145613 Premier Class TLXPX C000145614 Retirement Class TLXRX C000162601 Advisor Class TLXHX 0001084380 S000046662 TIAA-CREF Lifecycle Index 2060 Fund C000145615 Retirement Class TVITX C000145616 Institutional Class TVIIX C000145617 Premier Class TVIPX C000162602 Advisor Class TVIHX 485BPOS 1 c93865_485bpos.htm

As filed with the Securities and Exchange Commission on October 11, 2019
File Nos. 333-76651, 811-09301

 

 

 

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

 

FORM N-1A

 

  REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933 x
  Pre-Effective Amendment No. o
  Post-Effective Amendment No. 128 x
  and/or  
  REGISTRATION STATEMENT UNDER THE INVESTMENT COMPANY ACT x
  OF 1940  
  Amendment No. 131 x
  (Check appropriate box or boxes)  

 

TIAA-CREF Funds
(Exact Name of Registrant as Specified in Charter)

 

730 Third Avenue
New York, New York 10017-3206

(Address of Principal Executive Offices) (Zip Code)
Registrant’s Telephone Number, including Area Code: (800) 842-2733

 

Jeremy D. Franklin, Esq.
TIAA-CREF Funds
8500 Andrew Carnegie Blvd.
Charlotte, North Carolina 28262

(Name and Address of Agent for Service)

 

Copy to:
Christopher P. Harvey, Esq.
Adam T. Teufel, Esq.
Dechert LLP
One International Place, 40th Floor
100 Oliver Street
Boston, Massachusetts 02110

 

Approximate Date of Proposed Public Offering:

As soon as practicable after effectiveness of the Registration Statement.

 

It is proposed that this filing will become effective (check appropriate box):

 

x Immediately upon filing pursuant to paragraph (b)
o On (date) pursuant to paragraph (b)
o 60 days after filing pursuant to paragraph (a)(1)
o 75 days after filing pursuant to paragraph (a)(2)
o On (date) pursuant to paragraph (a)(1)
o On (date) pursuant to paragraph (a)(2) of rule 485

 

If appropriate, check the following box:

 

o This post-effective amendment designates a new effective date for a previously filed post-effective amendment.

 

 
 

Explanatory Note

This post-effective amendment on Form 485BPOS is being submitted for the sole purpose of furnishing, in Exhibit 101, XBRL Interactive Data for the related official 485BPOS filing which was submitted to the Commission on September 26, 2019.

No other changes have been made to this Form 485BPOS. This Form 485BPOS does not reflect events that may have occurred subsequent to the original filing date, and does not modify or update any related disclosures made in the related official Form 485BPOS.

 

SIGNATURES

 

Pursuant to the requirements of the Securities Act of 1933 and the Investment Company Act of 1940, TIAA-CREF Funds certifies that it meets all the requirements for effectiveness of this Registration Statement under Rule 485(b) under the Securities Act of 1933 and has duly caused this Registration Statement to be signed on its behalf by the undersigned, duly authorized, in the City of New York, and State of New York on the 11th day of October 2019.

 

  TIAA-CREF FUNDS
     
  By: /s/ Bradley Finkle  
  Name:   Bradley Finkle
  Title: Principal Executive Officer and President

Pursuant to the requirements of the Securities Act, this registration statement has been signed below by the following persons in the capacities and on the dates indicated.

 

Signature     Title     Date  
         
/s/ Bradley Finkle   Principal Executive Officer and President   October 11, 2019
Bradley Finkle   (Principal Executive Officer)    
         
/s/ E. Scott Wickerham   Principal Financial Officer,   October  11, 2019
E. Scott Wickerham   Principal Accounting Officer and Treasurer    
    (Principal Financial and Accounting Officer)    
 
SIGNATURE OF
TRUSTEE
  DATE   SIGNATURE OF
TRUSTEE
  DATE
             
*   October 11, 2019   *   October 11, 2019
Forrest Berkley       Howell E. Jackson    
             
*   October 11, 2019   *   October 11, 2019
Joseph A. Boateng       Thomas J. Kenny    
             
*   October 11, 2019   *   October 11, 2019
Janice C. Eberly       James M. Poterba    
             
*   October 11, 2019   *   October 11, 2019
Nancy A. Eckl       Maceo K. Sloan    
             
*   October 11, 2019   *   October 11, 2019
Michael A. Forrester       Laura T. Starks    
             
/s/ Rachael M. Zufall   October  11, 2019        
Rachael M. Zufall
as attorney-in-fact
           

 

* Signed by Rachael M. Zufall pursuant to powers of attorney previously filed with the Securities and Exchange Commission.
 

EXHIBIT LIST

 

101. INS XBRL Instance Document
101. SCH XBRL Taxonomy Extension Schema
101. DEF XBRL Taxonomy Extension Definition Linkbase
101. LAB XBRL Taxonomy Extension Label Linkbase
101. PRE XBRL Taxonomy Extension Presentation Linkbase
 
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cik0001084380:index_Morningstar_Moderate_Target_Risk_Index_reflects_no_deductions_for_fees_expenses_or_taxesMember 2019-05-31 2019-05-31 0001084380 cik0001084380:S000012194Member cik0001084380:index_Managed_Allocation_Fund_Composite_Index_reflects_no_deductions_for_fees_expenses_or_taxesMember 2019-05-31 2019-05-31 xbrli:pure iso4217:USD The performance shown for the Advisor and Premier classes that is prior to their inception dates is based on performance of the Fund's Retirement Class. The performance for these periods has not been restated to reflect the lower expenses of the Advisor and Premier classes. As of the close of business on December 31, 2018, the Lifecycle Retirement Income Fund Composite Index consisted of: 40.0% Bloomberg Barclays U.S. Aggregate Bond Index; 28.0% Russell 3000® Index; 12.0% MSCI All Country World Index ex USA Investable Market Index; 10.0% Bloomberg Barclays U.S. 1-3 Year Government/Credit Bond Index; and 10.0% Bloomberg Barclays U.S. Treasury Inflation Protected Securities (TIPS) 1-10 Year Index. The Fund's composite benchmark, the components that make up a composite benchmark and the method of calculating a composite benchmark's performance may vary over time. Restated to reflect estimates for the current fiscal year. Portions of the Management fees and Other expenses are based on expenses originally incurred by Class W shares of the Underlying Funds (as defined below) of the Trust, which have been incurred directly by the Fund pursuant to certain contractual arrangements intended to reallocate directly to the Fund certain fees and expenses that had been paid by the Underlying Funds of the Trust. For additional information, please see the "Management of the Funds" section of this Prospectus. "Acquired Fund fees and expenses" are the Fund's proportionate amount of the expenses of any investment companies or pools in which it invests (excluding expenses originally incurred by Class W of the Underlying Funds of the Trust that have been incurred directly by the Fund, which are instead reflected in Management fees and Other expenses). These expenses are not paid directly by Fund shareholders. Instead, Fund shareholders bear these expenses indirectly because they reduce Fund performance. Because "Acquired Fund fees and expenses" are included in the chart above, the Fund's operating expenses here will not correlate with the expenses included in the Financial highlights in this Prospectus and the Fund's annual report. Under the Fund's expense reimbursement arrangements, the Fund's investment adviser, Teachers Advisors, LLC ("Advisors"), has contractually agreed to reimburse the Fund for any Total annual Fund operating expenses (excluding interest, taxes, brokerage commissions or other transactional expenses, Acquired Fund fees and expenses, extraordinary expenses and any expenses originally attributable to Class W shares of the Underlying Funds of the Trust that were incurred directly by the Fund) that exceed: (i) 0.00% of average daily net assets for Institutional Class shares; (ii) 0.15% of average daily net assets for Advisor Class shares; (iii) 0.15% of average daily net assets for Premier Class shares; (iv) 0.25% of average daily net assets for Retirement Class shares; and (v) 0.25% of average daily net assets for Retail Class shares of the Fund. These expense reimbursement arrangements will continue through at least September 30, 2020, unless changed with approval of the Board of Trustees. Advisors has contractually agreed to waive 0.10% of the Fund's Management fee. This waiver will remain in effect through September 30, 2022, unless changed with the approval of the Board of Trustees. As of the close of business on December 31, 2018, the Lifecycle 2010 Fund Composite Index consisted of: 39.7% Bloomberg Barclays U.S. Aggregate Bond Index; 29.0% Russell 3000® Index; 12.5% MSCI All Country World Index ex USA Investable Market Index; 9.4% Bloomberg Barclays U.S. 1-3 Year Government/Credit Bond Index; and 9.4% Bloomberg Barclays U.S. Treasury Inflation Protected Securities (TIPS) 1-10 Year Index. The Fund's composite benchmark, the components that make up a composite benchmark and the method of calculating a composite benchmark's performance may vary over time. Under the Fund's expense reimbursement arrangements, the Fund's investment adviser, Teachers Advisors, LLC ("Advisors"), has contractually agreed to reimburse the Fund for any Total annual Fund operating expenses (excluding interest, taxes, brokerage commissions or other transactional expenses, Acquired Fund fees and expenses, extraordinary expenses and any expenses originally attributable to Class W shares of the Underlying Funds of the Trust that were incurred directly by the Fund) that exceed: (i) 0.00% of average daily net assets for Institutional Class shares; (ii) 0.15% of average daily net assets for Advisor Class shares; (iii) 0.15% of average daily net assets for Premier Class shares; and (iv) 0.25% of average daily net assets for Retirement Class shares of the Fund. These expense reimbursement arrangements will continue through at least September 30, 2020, unless changed with approval of the Board of Trustees. As of the close of business on December 31, 2018, the Lifecycle 2015 Fund Composite Index consisted of: 38.7% Bloomberg Barclays U.S. Aggregate Bond Index; 32.5% Russell 3000® Index; 14.0% MSCI All Country World Index ex USA Investable Market Index; 7.4% Bloomberg Barclays U.S. 1-3 Year Government/Credit Bond Index; and 7.4% Bloomberg Barclays U.S. Treasury Inflation Protected Securities (TIPS) 1-10 Year Index. The Fund's composite benchmark, the components that make up a composite benchmark and the method of calculating a composite benchmark's performance may vary over time. As of the close of business on December 31, 2018, the Lifecycle 2020 Fund Composite Index consisted of: 36.8% Bloomberg Barclays U.S. Aggregate Bond Index; 36.7% Russell 3000® Index; 15.7% MSCI All Country World Index ex USA Investable Market Index; 5.4% Bloomberg Barclays U.S. 1-3 Year Government/Credit Bond Index; and 5.4% Bloomberg Barclays U.S. Treasury Inflation Protected Securities (TIPS) 1-10 Year Index. The Fund's composite benchmark, the components that make up a composite benchmark and the method of calculating a composite benchmark's performance may vary over time. As of the close of business on December 31, 2018, the Lifecycle 2025 Fund Composite Index consisted of: 42.3% Russell 3000® Index; 32.8% Bloomberg Barclays U.S. Aggregate Bond Index; 18.1% MSCI All Country World Index ex USA Investable Market Index; 3.4% Bloomberg Barclays U.S. 1-3 Year Government/Credit Bond Index; and 3.4% Bloomberg Barclays U.S. Treasury Inflation Protected Securities (TIPS) 1-10 Year Index. The Fund's composite benchmark, the components that make up a composite benchmark and the method of calculating a composite benchmark's performance may vary over time. As of the close of business on December 31, 2018, the Lifecycle 2030 Fund Composite Index consisted of: 47.9% Russell 3000® Index; 28.8% Bloomberg Barclays U.S. Aggregate Bond Index; 20.5% MSCI All Country World Index ex USA Investable Market Index; 1.4% Bloomberg Barclays U.S. 1-3 Year Government/Credit Bond Index; and 1.4% Bloomberg Barclays U.S. Treasury Inflation Protected Securities (TIPS) 1-10 Year Index. The Fund's composite benchmark, the components that make up a composite benchmark and the method of calculating a composite benchmark's performance may vary over time. As of the close of business on December 31, 2018, the Lifecycle 2035 Fund Composite Index consisted of: 53.5% Russell 3000® Index; 23.6% Bloomberg Barclays U.S. Aggregate Bond Index; and 22.9% MSCI All Country World Index ex USA Investable Market Index. The Fund's composite benchmark, the components that make up a composite benchmark and the method of calculating a composite benchmark's performance may vary over time. As of the close of business on December 31, 2018, the Lifecycle 2040 Fund Composite Index consisted of: 59.1% Russell 3000® Index; 25.3% MSCI All Country World Index ex USA Investable Market Index; and 15.6% Bloomberg Barclays U.S. Aggregate Bond Index. The Fund's composite benchmark, the components that make up a composite benchmark and the method of calculating a composite benchmark's performance may vary over time. As of the close of business on December 31, 2018, the Lifecycle 2045 Fund Composite Index consisted of: 63.3% Russell 3000® Index; 27.1% MSCI All Country World Index ex USA Investable Market Index; and 9.6% Bloomberg Barclays U.S. Aggregate Bond Index. The Fund's composite benchmark, the components that make up a composite benchmark and the method of calculating a composite benchmark's performance may vary over time. As of the close of business on December 31, 2018, the Lifecycle 2050 Fund Composite Index consisted of: 64.1% Russell 3000® Index; 27.5% MSCI All Country World Index ex USA Investable Market Index; and 8.4% Bloomberg Barclays U.S. Aggregate Bond Index. The Fund's composite benchmark, the components that make up a composite benchmark and the method of calculating a composite benchmark's performance may vary over time. The performance shown for the Advisor Class that is prior to its inception date is based on performance of the Fund's Retirement Class. The performance for these periods has not been restated to reflect the lower expenses of the Advisor Class.Performance is calculated from the inception date of the Retirement Class. Performance is calculated from the inception date of the Retirement Class. As of the close of business on December 31, 2018, the Lifecycle 2055 Fund Composite Index consisted of: 65.0% Russell 3000® Index; 27.9% MSCI All Country World Index ex USA Investable Market Index; and 7.1% Bloomberg Barclays U.S. Aggregate Bond Index. The Fund's composite benchmark, the components that make up a composite benchmark and the method of calculating a composite benchmark's performance may vary over time. As of the close of business on December 31, 2018, the Lifecycle 2060 Fund Composite Index consisted of: 65.9% Russell 3000® Index; 28.2% MSCI All Country World Index ex USA Investable Market Index; and 5.9% Bloomberg Barclays U.S. Aggregate Bond Index. The Fund's composite benchmark, the components that make up a composite benchmark and the method of calculating a composite benchmark's performance may vary over time. The performance shown for the Advisor Class that is prior to its inception date is based on performance of the Fund's Retirement Class. The performance for these periods has not been restated to reflect the lower expenses of the Advisor Class. As of the close of business on December 31, 2018, the Lifecycle Index Retirement Income Fund Composite Index consisted of: 40.0% Bloomberg Barclays U.S. Aggregate Bond Index; 28.0% Russell 3000® Index; 12.0% MSCI EAFE + Emerging Markets Index; 10.0% Bloomberg Barclays U.S. 1-3 Year Government/Credit Bond Index; and 10.0% Bloomberg Barclays U.S. Treasury Inflation Protected Securities (TIPS) 1-10 Year Index. The Fund's composite benchmark, the components that make up a composite benchmark and the method of calculating a composite benchmark's performance may vary over time. Advisors has contractually agreed to waive 0.102% of the Fund's Management fee. This waiver will remain in effect through September 30, 2020, unless changed with the approval of the Board of Trustees. As of the close of business on December 31, 2018, the Lifecycle Index 2010 Fund Composite Index consisted of: 39.7% Bloomberg Barclays U.S. Aggregate Bond Index; 29.0% Russell 3000® Index; 12.5% MSCI EAFE + Emerging Markets Index; 9.4% Bloomberg Barclays U.S. 1-3 Year Government/Credit Bond Index; and 9.4% Bloomberg Barclays U.S. Treasury Inflation Protected Securities (TIPS) 1-10 Year Index. The Fund's composite benchmark, the components that make up a composite benchmark and the method of calculating a composite benchmark's performance may vary over time. As of the close of business on December 31, 2018, the Lifecycle Index 2015 Fund Composite Index consisted of: 38.7% Bloomberg Barclays U.S. Aggregate Bond Index; 32.5% Russell 3000® Index; 14.0% MSCI EAFE + Emerging Markets Index; 7.4% Bloomberg Barclays U.S. 1-3 Year Government/Credit Bond Index; and 7.4% Bloomberg Barclays U.S. Treasury Inflation Protected Securities (TIPS) 1-10 Year Index. The Fund's composite benchmark, the components that make up a composite benchmark and the method of calculating a composite benchmark's performance may vary over time. Under the Fund's expense reimbursement arrangements, the Fund's investment adviser, Teachers Advisors, LLC ("Advisors"), has contractually agreed to reimburse the Fund for any Total annual Fund operating expenses (excluding interest, taxes, brokerage commissions or other transactional expenses, Acquired Fund fees and expenses, extraordinary expenses and any expenses originally attributable to Class W shares of the Underlying Funds of the Trust that were incurred directly by the Fund) that exceed: (i) 0.005% of average daily net assets for Institutional Class shares; (ii) 0.155% of average daily net assets for Advisor Class shares; (iii) 0.155% of average daily net assets for Premier Class shares; and (iv) 0.255% of average daily net assets for Retirement Class shares of the Fund. These expense reimbursement arrangements will continue through at least September 30, 2020, unless changed with approval of the Board of Trustees. Advisors has contractually agreed to waive 0.095% of the Fund's Management fee. This waiver will remain in effect through September 30, 2020, unless changed with the approval of the Board of Trustees. As of the close of business on December 31, 2018, the Lifecycle Index 2020 Fund Composite Index consisted of: 36.8% Bloomberg Barclays U.S. Aggregate Bond Index; 36.7% Russell 3000® Index; 15.7% MSCI EAFE + Emerging Markets Index; 5.4% Bloomberg Barclays U.S. 1-3 Year Government/Credit Bond Index; and 5.4% Bloomberg Barclays U.S. Treasury Inflation Protected Securities (TIPS) 1-10 Year Index. The Fund's composite benchmark, the components that make up a composite benchmark and the method of calculating a composite benchmark's performance may vary over time. Under the Fund's expense reimbursement arrangements, the Fund's investment adviser, Teachers Advisors, LLC ("Advisors"), has contractually agreed to reimburse the Fund for any Total annual Fund operating expenses (excluding interest, taxes, brokerage commissions or other transactional expenses, Acquired Fund fees and expenses, extraordinary expenses and any expenses originally attributable to Class W shares of the Underlying Funds of the Trust that were incurred directly by the Fund) that exceed: (i) 0.011% of average daily net assets for Institutional Class shares; (ii) 0.161% of average daily net assets for Advisor Class shares; (iii) 0.161% of average daily net assets for Premier Class shares; and (iv) 0.261% of average daily net assets for Retirement Class shares of the Fund. These expense reimbursement arrangements will continue through at least September 30, 2020, unless changed with approval of the Board of Trustees. Advisors has contractually agreed to waive 0.089% of the Fund's Management fee. This waiver will remain in effect through September 30, 2020, unless changed with the approval of the Board of Trustees. As of the close of business on December 31, 2018, the Lifecycle Index 2025 Fund Composite Index consisted of: 42.3% Russell 3000® Index; 32.8% Bloomberg Barclays U.S. Aggregate Bond Index; 18.1% MSCI EAFE + Emerging Markets Index; 3.4% Bloomberg Barclays U.S. 1-3 Year Government/Credit Bond Index; and 3.4% Bloomberg Barclays U.S. Treasury Inflation Protected Securities (TIPS) 1-10 Year Index. The Fund's composite benchmark, the components that make up a composite benchmark and the method of calculating a composite benchmark's performance may vary over time. Under the Fund's expense reimbursement arrangements, the Fund's investment adviser, Teachers Advisors, LLC ("Advisors"), has contractually agreed to reimburse the Fund for any Total annual Fund operating expenses (excluding interest, taxes, brokerage commissions or other transactional expenses, Acquired Fund fees and expenses, extraordinary expenses and any expenses originally attributable to Class W shares of the Underlying Funds of the Trust that were incurred directly by the Fund) that exceed: (i) 0.018% of average daily net assets for Institutional Class shares; (ii) 0.168% of average daily net assets for Advisor Class shares; (iii) 0.168% of average daily net assets for Premier Class shares; and (iv) 0.268% of average daily net assets for Retirement Class shares of the Fund. These expense reimbursement arrangements will continue through at least September 30, 2020, unless changed with approval of the Board of Trustees. Advisors has contractually agreed to waive 0.082% of the Fund's Management fee. This waiver will remain in effect through September 30, 2020, unless changed with the approval of the Board of Trustees. As of the close of business on December 31, 2018, the Lifecycle Index 2030 Fund Composite Index consisted of: 47.9% Russell 3000® Index; 28.8% Bloomberg Barclays U.S. Aggregate Bond Index; 20.5% MSCI EAFE + Emerging Markets Index; 1.4% Bloomberg Barclays U.S. 1-3 Year Government/Credit Bond Index; and 1.4% Bloomberg Barclays U.S. Treasury Inflation Protected Securities (TIPS) 1-10 Year Index. The Fund's composite benchmark, the components that make up a composite benchmark and the method of calculating a composite benchmark's performance may vary over time. Under the Fund's expense reimbursement arrangements, the Fund's investment adviser, Teachers Advisors, LLC ("Advisors"), has contractually agreed to reimburse the Fund for any Total annual Fund operating expenses (excluding interest, taxes, brokerage commissions or other transactional expenses, Acquired Fund fees and expenses, extraordinary expenses and any expenses originally attributable to Class W shares of the Underlying Funds of the Trust that were incurred directly by the Fund) that exceed: (i) 0.025% of average daily net assets for Institutional Class shares; (ii) 0.175% of average daily net assets for Advisor Class shares; (iii) 0.175% of average daily net assets for Premier Class shares; and (iv) 0.275% of average daily net assets for Retirement Class shares of the Fund. These expense reimbursement arrangements will continue through at least September 30, 2020, unless changed with approval of the Board of Trustees. Advisors has contractually agreed to waive 0.075% of the Fund's Management fee. This waiver will remain in effect through September 30, 2020, unless changed with the approval of the Board of Trustees. As of the close of business on December 31, 2018, the Lifecycle Index 2035 Fund Composite Index consisted of: 53.5% Russell 3000® Index; 23.6% Bloomberg Barclays U.S. Aggregate Bond Index; and 22.9% MSCI EAFE + Emerging Markets Index. The Fund's composite benchmark, the components that make up a composite benchmark and the method of calculating a composite benchmark's performance may vary over time. Under the Fund's expense reimbursement arrangements, the Fund's investment adviser, Teachers Advisors, LLC ("Advisors"), has contractually agreed to reimburse the Fund for any Total annual Fund operating expenses (excluding interest, taxes, brokerage commissions or other transactional expenses, Acquired Fund fees and expenses, extraordinary expenses and any expenses originally attributable to Class W shares of the Underlying Funds of the Trust that were incurred directly by the Fund) that exceed: (i) 0.031% of average daily net assets for Institutional Class shares; (ii) 0.181% of average daily net assets for Advisor Class shares; (iii) 0.181% of average daily net assets for Premier Class shares; and (iv) 0.281% of average daily net assets for Retirement Class shares of the Fund. These expense reimbursement arrangements will continue through at least September 30, 2020, unless changed with approval of the Board of Trustees. Advisors has contractually agreed to waive 0.069% of the Fund's Management fee. This waiver will remain in effect through September 30, 2020, unless changed with the approval of the Board of Trustees. As of the close of business on December 31, 2018, the Lifecycle Index 2040 Fund Composite Index consisted of: 59.1% Russell 3000® Index; 25.3% MSCI EAFE + Emerging Markets Index; and 15.6% Bloomberg Barclays U.S. Aggregate Bond Index. The Fund's composite benchmark, the components that make up a composite benchmark and the method of calculating a composite benchmark's performance may vary over time. Under the Fund's expense reimbursement arrangements, the Fund's investment adviser, Teachers Advisors, LLC ("Advisors"), has contractually agreed to reimburse the Fund for any Total annual Fund operating expenses (excluding interest, taxes, brokerage commissions or other transactional expenses, Acquired Fund fees and expenses, extraordinary expenses and any expenses originally attributable to Class W shares of the Underlying Funds of the Trust that were incurred directly by the Fund) that exceed: (i) 0.035% of average daily net assets for Institutional Class shares; (ii) 0.185% of average daily net assets for Advisor Class shares; (iii) 0.185% of average daily net assets for Premier Class shares; and (iv) 0.285% of average daily net assets for Retirement Class shares of the Fund. These expense reimbursement arrangements will continue through at least September 30, 2020, unless changed with approval of the Board of Trustees. Advisors has contractually agreed to waive 0.065% of the Fund's Management fee. This waiver will remain in effect through September 30, 2020, unless changed with the approval of the Board of Trustees. As of the close of business on December 31, 2018, the Lifecycle Index 2045 Fund Composite Index consisted of: 63.3% Russell 3000® Index; 27.1% MSCI EAFE + Emerging Markets Index; and 9.6% Bloomberg Barclays U.S. Aggregate Bond Index. The Fund's composite benchmark, the components that make up a composite benchmark and the method of calculating a composite benchmark's performance may vary over time. Under the Fund's expense reimbursement arrangements, the Fund's investment adviser, Teachers Advisors, LLC ("Advisors"), has contractually agreed to reimburse the Fund for any Total annual Fund operating expenses (excluding interest, taxes, brokerage commissions or other transactional expenses, Acquired Fund fees and expenses, extraordinary expenses and any expenses originally attributable to Class W shares of the Underlying Funds of the Trust that were incurred directly by the Fund) that exceed: (i) 0.038% of average daily net assets for Institutional Class shares; (ii) 0.188% of average daily net assets for Advisor Class shares; (iii) 0.188% of average daily net assets for Premier Class shares; and (iv) 0.288% of average daily net assets for Retirement Class shares of the Fund. These expense reimbursement arrangements will continue through at least September 30, 2020, unless changed with approval of the Board of Trustees. Advisors has contractually agreed to waive 0.062% of the Fund's Management fee. This waiver will remain in effect through September 30, 2020, unless changed with the approval of the Board of Trustees. As of the close of business on December 31, 2018, the Lifecycle Index 2050 Fund Composite Index consisted of: 64.1% Russell 3000® Index; 27.5% MSCI EAFE + Emerging Markets Index; and 8.4% Bloomberg Barclays U.S. Aggregate Bond Index. The Fund's composite benchmark, the components that make up a composite benchmark and the method of calculating a composite benchmark's performance may vary over time. Under the Fund's expense reimbursement arrangements, the Fund's investment adviser, Teachers Advisors, LLC ("Advisors"), has contractually agreed to reimburse the Fund for any Total annual Fund operating expenses (excluding interest, taxes, brokerage commissions or other transactional expenses, Acquired Fund fees and expenses, extraordinary expenses and any expenses originally attributable to Class W shares of the Underlying Funds of the Trust that were incurred directly by the Fund) that exceed: (i) 0.039% of average daily net assets for Institutional Class shares; (ii) 0.189% of average daily net assets for Advisor Class shares; (iii) 0.189% of average daily net assets for Premier Class shares; and (iv) 0.289% of average daily net assets for Retirement Class shares of the Fund. These expense reimbursement arrangements will continue through at least September 30, 2020, unless changed with approval of the Board of Trustees. Advisors has contractually agreed to waive 0.061% of the Fund's Management fee. This waiver will remain in effect through September 30, 2020, unless changed with the approval of the Board of Trustees. As of the close of business on December 31, 2018, the Lifecycle Index 2055 Fund Composite Index consisted of: 65.0% Russell 3000® Index; 27.9% MSCI EAFE + Emerging Markets Index; and 7.1% Bloomberg Barclays U.S. Aggregate Bond Index. The Fund's composite benchmark, the components that make up a composite benchmark and the method of calculating a composite benchmark's performance may vary over time. Under the Fund's expense reimbursement arrangements, the Fund's investment adviser, Teachers Advisors, LLC ("Advisors"), has contractually agreed to reimburse the Fund for any Total annual Fund operating expenses (excluding interest, taxes, brokerage commissions or other transactional expenses, Acquired Fund fees and expenses, extraordinary expenses and any expenses originally attributable to Class W shares of the Underlying Funds of the Trust that were incurred directly by the Fund) that exceed: (i) 0.04% of average daily net assets for Institutional Class shares; (ii) 0.19% of average daily net assets for Advisor Class shares; (iii) 0.19% of average daily net assets for Premier Class shares; and (iv) 0.29% of average daily net assets for Retirement Class shares of the Fund. These expense reimbursement arrangements will continue through at least September 30, 2020, unless changed with approval of the Board of Trustees. Advisors has contractually agreed to waive 0.06% of the Fund's Management fee. This waiver will remain in effect through September 30, 2020, unless changed with the approval of the Board of Trustees. As of the close of business on December 31, 2018, the Lifecycle Index 2060 Fund Composite Index consisted of: 65.9% Russell 3000® Index; 28.2% MSCI EAFE + Emerging Markets Index; and 5.9% Bloomberg Barclays U.S. Aggregate Bond Index. The Fund's composite benchmark, the components that make up a composite benchmark and the method of calculating a composite benchmark's performance may vary over time. The performance shown for the Advisor Class that is prior to its inception date is based on performance of the Fund's Institutional Class. The performance for these periods has not been restated to reflect higher expenses of the Advisor Class. If those expenses had been reflected, the performance would have been lower. Performance is calculated from the inception date of the Institutional Class. As of the close of business on December 31, 2018, the Lifestyle Income Fund Composite Index consisted of: 40.0% Bloomberg Barclays U.S. Aggregate Bond Index; 40.0% Bloomberg Barclays U.S. 1-3 Year Government/Credit Bond Index; 14.0% Russell 3000® Index; and 6.0% MSCI All Country World Index ex USA Investable Market Index. The Fund's composite benchmark, the components that make up a composite benchmark and the method of calculating a composite benchmark's performance may vary over time. Restated to reflect estimate for the current fiscal year. "Acquired Fund fees and expenses" are the Fund's proportionate amount of the expenses of any investment companies or pools in which it invests. These expenses are not paid directly by Fund shareholders. Instead, Fund shareholders bear these expenses indirectly because they reduce Fund performance. Because "Acquired Fund fees and expenses" are included in the chart above, the Fund's operating expenses here will not correlate with the expenses included in the Financial highlights in this Prospectus and the Fund's annual report. Under the Fund's expense reimbursement arrangements, the Fund's investment adviser, Teachers Advisors, LLC ("Advisors"), has contractually agreed to reimburse the Fund for any Total annual Fund operating expenses (excluding interest, taxes, brokerage commissions or other transactional expenses, Acquired Fund fees and expenses and extraordinary expenses) that exceed: (i) 0.10% of average daily net assets for Institutional Class shares; (ii) 0.25% of average daily net assets for Advisor Class shares; (iii) 0.25% of average daily net assets for Premier Class shares; (iv) 0.35% of average daily net assets for Retirement Class shares; and (v) 0.49% of average daily net assets for Retail Class shares of the Fund. These expense reimbursement arrangements will continue through at least September 30, 2020, unless changed with approval of the Board of Trustees. As of the close of business on December 31, 2018, the Lifestyle Conservative Fund Composite Index consisted of: 40.0% Bloomberg Barclays U.S. Aggregate Bond Index; 28.0% Russell 3000® Index; 20.0% Bloomberg Barclays U.S. 1-3 Year Government/Credit Bond Index; and 12.0% MSCI All Country World Index ex USA Investable Market Index. The Fund's composite benchmark, the components that make up a composite benchmark and the method of calculating a composite benchmark's performance may vary over time. As of the close of business on December 31, 2018, the Lifestyle Moderate Fund Composite Index consisted of: 42.0% Russell 3000® Index; 40.0% Bloomberg Barclays U.S. Aggregate Bond Index; and 18.0% MSCI All Country World Index ex USA Investable Market Index. The Fund's composite benchmark, the components that make up a composite benchmark and the method of calculating a composite benchmark's performance may vary over time. As of the close of business on December 31, 2018, the Lifestyle Growth Fund Composite Index consisted of: 56.0% Russell 3000® Index; 24.0% MSCI All Country World Index ex USA Investable Market Index; and 20.0% Bloomberg Barclays U.S. Aggregate Bond Index. The Fund's composite benchmark, the components that make up a composite benchmark and the method of calculating a composite benchmark's performance may vary over time. As of the close of business on December 31, 2018, the Lifestyle Aggressive Growth Fund Composite Index consisted of: 70.0% Russell 3000® Index; and 30.0% MSCI All Country World Index ex USA Investable Market Index. The Fund's composite benchmark, the components that make up a composite benchmark and the method of calculating a composite benchmark's performance may vary over time. As of the close of business on December 31, 2018, the Managed Allocation Fund Composite Index consisted of: 42.0% Russell 3000® Index; 40.0% Bloomberg Barclays U.S. Aggregate Bond Index; and 18.0% MSCI All Country World Index ex USA Investable Market Index. The Fund's composite benchmark, the components that make up a composite benchmark and the method of calculating a composite benchmark's performance may vary over time. Under the Fund's expense reimbursement arrangements, the Fund's investment adviser, Teachers Advisors, LLC ("Advisors"), has contractually agreed to reimburse the Fund for any Total annual Fund operating expenses (excluding interest, taxes, brokerage commissions or other transactional expenses, Acquired Fund fees and expenses and extraordinary expenses) that exceed: (i) 0.00% of average daily net assets for Institutional Class shares; (ii) 0.25% of average daily net assets for Retirement Class shares; and (iii) 0.25% of average daily net assets for Retail Class shares of the Fund. These expense reimbursement arrangements will continue through at least September 30, 2020, unless changed with approval of the Board of Trustees. false 2019-09-26 2019-10-01 2019-05-31 485BPOS 0001084380 N-1A TIAA-CREF FUNDS 2019-10-01 TIAA-CREF Lifecycle Retirement Income Fund Investment objective <p style="font-family:Sans-Serif; font-size:9.5pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt">The Lifecycle Retirement Income Fund seeks high total return over time primarily through income,</p> <p style="font-family:Sans-Serif; font-size:9.5pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt">with a secondary emphasis on capital appreciation.</p> Principal investment risks <p style="font-family:Sans-Serif; font-size:1.0pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt"><font style="font-family:Sans-Serif; font-size:9.5pt; font-weight:normal">You could lose money over short or long periods by investing in this Fund. 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The Fund invests in Underlying Funds according to a relatively stable asset allocation strategy that will not gradually adjust over time and is designed for investors who are already in retirement (i.e., have already passed their retirement year) and may have begun taking systematic withdrawals upon retirement. </p> <br/><p style="font-family:Sans-Serif; font-size:9.5pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt">Advisors currently expects to allocate approximately 35.00% of the Fund&#8217;s assets to equity Underlying Funds, 60.00% of its assets to fixed-income Underlying Funds and 5.00% of its assets to direct real estate Underlying Funds. These allocations represent targets for equity, fixed-income and direct real estate asset classes. Target allocations may be changed and actual allocations may vary up to ten percentage points from the targets. Within the equity, fixed-income and direct real estate asset classes, Advisors allocates the Fund&#8217;s investments to particular market sectors (U.S. equity, international equity, fixed-income, short-term fixed-income, inflation-protected assets and direct real estate) represented by various Underlying Funds. These market sector allocations may vary by up to 10% from the Fund&#8217;s target market sector allocations. The Fund&#8217;s current target market sector allocations for June 30, 2020 which may change, are approximately as follows: U.S. Equity: 24.50%; International Equity: 10.50%; Fixed-Income: 40.00%; Short-Term Fixed-Income: 10.00%; Inflation-Protected Assets: 10.00%; and Direct Real Estate: 5.00%. 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The bar chart shows the annual total returns of the Retirement Class of the Fund, before taxes, in each full calendar year for the last ten years. Because the expenses vary across share classes, the performance of the Retirement Class may vary from the other share classes. Below the bar chart are the best and worst returns of the Retirement Class for a calendar quarter during the full calendar-year periods covered by the bar chart. The performance table following the bar chart shows the Fund&#8217;s average annual total returns for the Retirement, Institutional, Advisor, Premier and Retail classes over the applicable one-year, five-year, ten-year and since-inception periods ended December 31, 2018, and how those returns compare to those of a broad-based securities market index and a composite index that represents the market sectors in which the Fund invests across the equity and fixed-income asset classes. After-tax performance is shown only for the Retirement Class shares, and after-tax returns for the other classes of shares will vary from the after-tax returns presented for Retirement Class&#160;shares.</p> <br/><p style="font-family:Sans-Serif; font-size:9.5pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt">The returns shown below reflect previous agreements by Advisors to waive or reimburse the Fund and certain Underlying Funds for certain fees and expenses. Without these waivers and reimbursements, the returns of the Fund would have been lower. Past performance of the Fund (before and after taxes) is not necessarily an indication of how it will perform in the future. The indices listed below are unmanaged, and you cannot invest directly in an index. The returns for the indices reflect no deduction for fees, expenses or taxes.</p> <br/><p style="font-family:Sans-Serif; font-size:9.5pt; font-style:italic; font-weight:normal; text-align:left; text-indent:12.25pt">For current performance information of each share class, including performance to the most recent month-end, please visit www.tiaa.org.</p> ANNUAL TOTAL RETURNS FOR THE RETIREMENT CLASS SHARES (%)&#8224; Lifecycle Retirement Income Fund 0.1608 0.1044 0.0241 0.1127 0.0970 0.0418 0.0009 0.0569 0.1175 -0.0401 ~ http://www.TIAA.com/20190926/role/ScheduleAnnualTotalReturnsBarChart20004 column dei_LegalEntityAxis compact cik0001084380_S000019661Member row primary compact * ~ Best quarter: 0.0888 2009-09-30 Worst quarter: -0.0610 2011-09-30 The year-to-date return as of the most recent calendar quarter, which ended on June 30, 2019, was 0.0991 2019-06-30 <p style="font-family:Sans-Serif; font-size:1.0pt; font-style:normal; font-weight:normal; text-align:left"><font style="font-family:Sans-Serif; font-size:8.5pt; font-weight:normal">Best quarter: 8.88%, for the quarter ended September 30, 2009. 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Actual after-tax returns depend on the investor&#8217;s tax situation and may differ from those shown. The after-tax returns shown are not relevant to investors who hold their Fund shares through tax-deferred arrangements such as 401(a), 401(k) or 403(b) plans or Individual Retirement Accounts (IRAs). After-tax returns are shown for only one class, and after-tax returns for other classes will vary.</p> As of the close of business on December 31, 2018, the Lifecycle Retirement Income Fund Composite Index consisted of: 40.0% Bloomberg Barclays U.S. Aggregate Bond Index; 28.0% Russell 3000&#174; Index; 12.0% MSCI All Country World Index ex USA Investable Market Index; 10.0% Bloomberg Barclays U.S. 1&#8211;3 Year Government/Credit Bond Index; and 10.0% Bloomberg Barclays U.S. Treasury Inflation Protected Securities (TIPS) 1-10 Year Index. The Fund&#8217;s composite benchmark, the components that make up a composite benchmark and the method of calculating a composite benchmark&#8217;s performance may vary over time. The after-tax returns shown are not relevant to investors who hold their Fund shares through tax-deferred arrangements such as 401(a), 401(k) or 403(b) plans or Individual Retirement Accounts (IRAs). (reflects no deductions for fees, expenses or taxes) After-tax performance is shown only for the Retirement Class shares, and after-tax returns for the other classes of shares will vary from the after-tax returns presented for Retirement Class shares. Past performance of the Fund (before and after taxes) is not necessarily an indication of how it will perform in the future. AVERAGE ANNUAL TOTAL RETURNS For the Periods Ended December 31, 2018 The following chart and table help illustrate some of the risks of investing in the Fund by showing changes in the Fund&#8217;s performance from year to year. 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Although your actual costs may be higher or lower, based on these assumptions your costs would be:</p> 38 46 53 63 63 132 158 180 212 218 259 303 341 396 410 629 726 811 931 964 ~ http://www.TIAA.com/20190926/role/ScheduleExpenseExample20003 column dei_LegalEntityAxis compact cik0001084380_S000019661Member row primary compact * ~ Portfolio turnover <p style="font-family:Sans-Serif; font-size:9.5pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt">The Fund pays transaction costs, such as commissions, when it buys and sells securities (or &#8220;turns over&#8221; its portfolio). A higher portfolio turnover rate may indicate higher transaction costs and may result in higher taxes when Fund shares are held in a taxable account. These costs, which are not reflected in annual fund operating expenses or in the example, affect the Fund&#8217;s performance. 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text-indent:-09.35pt">100.00%</p></td></tr></table> <br/><p style="font-family:Sans-Serif; font-size:9.5pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt">The following chart shows how the investment glidepath for the Fund is expected to gradually move the Fund&#8217;s target allocations over time between the different target market sector allocations. The actual market sector allocations of the Fund may differ from this chart. The Fund seeks to achieve its final target market sector allocations approximately 30 years following the target&#160;date. </p> <br/><table border="0" cellpadding="0" cellspacing="0" style="width: 100%; border-collapse: collapse; font: 11pt Calibri, Helvetica, Sans-Serif"> <tr style="vertical-align: bottom"> <td colspan="7" style="border-top: Black 0.5pt solid; border-right: black 0.5pt solid; border-bottom: Black 0.5pt solid; border-left: Black 0.5pt solid; text-align: center">Lifecycle Funds Glidepath as of June 30, 2020</td></tr> <tr style="vertical-align: bottom"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1pt solid; text-align: center; width: 16%">Years to Target Retirement Date</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1pt solid; text-align: center; width: 14%">US Equities</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1pt solid; text-align: center; width: 14%">International Equities</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1pt solid; text-align: center; width: 14%">Direct Real Estate</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1pt solid; text-align: center; width: 14%">Fixed Income</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1pt solid; text-align: center; width: 14%">Short Term Fixed Income</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1pt solid; text-align: center; width: 14%">Inflation Protected Bonds</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">45</td> <td style="text-align: center">66.50%</td> <td style="text-align: center">28.50%</td> <td style="text-align: center">5.00%</td> <td style="text-align: center">0.00%</td> <td style="text-align: center">0.00%</td> <td style="text-align: center">0.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">40</td> <td style="text-align: center">65.62%</td> <td style="text-align: center">28.13%</td> <td style="text-align: center">5.00%</td> <td style="text-align: center">1.25%</td> <td style="text-align: center">0.00%</td> <td style="text-align: center">0.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">35</td> <td style="text-align: center">64.75%</td> <td style="text-align: center">27.75%</td> <td style="text-align: center">5.00%</td> <td style="text-align: center">2.50%</td> <td style="text-align: center">0.00%</td> <td style="text-align: center">0.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">30</td> <td style="text-align: center">63.87%</td> <td style="text-align: center">27.38%</td> <td style="text-align: center">5.00%</td> <td style="text-align: center">3.75%</td> <td style="text-align: center">0.00%</td> <td style="text-align: center">0.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">25</td> <td style="text-align: center">63.00%</td> <td style="text-align: center">27.00%</td> <td style="text-align: center">5.00%</td> <td style="text-align: center">5.00%</td> <td style="text-align: center">0.00%</td> <td style="text-align: center">0.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">20</td> <td style="text-align: center">56.70%</td> <td style="text-align: center">24.30%</td> <td style="text-align: center">5.00%</td> <td style="text-align: center">14.00%</td> <td style="text-align: center">0.00%</td> <td style="text-align: center">0.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">15</td> <td style="text-align: center">50.40%</td> <td style="text-align: center">21.60%</td> <td style="text-align: center">5.00%</td> <td style="text-align: center">23.00%</td> <td style="text-align: center">0.00%</td> <td style="text-align: center">0.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">10</td> <td style="text-align: center">44.10%</td> <td style="text-align: center">18.90%</td> <td style="text-align: center">5.00%</td> <td style="text-align: center">28.00%</td> <td style="text-align: center">2.00%</td> <td style="text-align: center">2.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">5</td> <td style="text-align: center">37.80%</td> <td style="text-align: center">16.20%</td> <td style="text-align: center">5.00%</td> <td style="text-align: center">33.00%</td> <td style="text-align: center">4.00%</td> <td style="text-align: center">4.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">0</td> <td style="text-align: center">31.50%</td> <td style="text-align: center">13.50%</td> <td style="text-align: center">5.00%</td> <td style="text-align: center">38.00%</td> <td style="text-align: center">6.00%</td> <td style="text-align: center">6.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">-5</td> <td style="text-align: center">28.00%</td> <td style="text-align: center">12.00%</td> <td style="text-align: center">5.00%</td> <td style="text-align: center">39.00%</td> <td style="text-align: center">8.00%</td> <td style="text-align: center">8.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">-10</td> <td style="text-align: center">24.50%</td> <td style="text-align: center">10.50%</td> <td style="text-align: center">5.00%</td> <td style="text-align: center">40.00%</td> <td style="text-align: center">10.00%</td> <td style="text-align: center">10.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">-15</td> <td style="text-align: center">22.75%</td> <td style="text-align: center">9.75%</td> <td style="text-align: center">2.50%</td> <td style="text-align: center">40.00%</td> <td style="text-align: center">15.00%</td> <td style="text-align: center">10.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">-20</td> <td style="text-align: center">21.00%</td> <td style="text-align: center">9.00%</td> <td style="text-align: center">0.00%</td> <td style="text-align: center">40.00%</td> <td style="text-align: center">20.00%</td> <td style="text-align: center">10.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">-25</td> <td style="text-align: center">17.50%</td> <td style="text-align: center">7.50%</td> <td style="text-align: center">0.00%</td> <td style="text-align: center">40.00%</td> <td style="text-align: center">25.00%</td> <td style="text-align: center">10.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">-30</td> <td style="text-align: center">14.00%</td> <td style="text-align: center">6.00%</td> <td style="text-align: center">0.00%</td> <td style="text-align: center">40.00%</td> <td style="text-align: center">30.00%</td> <td style="text-align: center">10.00%</td></tr> </table> <br/><p style="font-family:Sans-Serif; font-size:9.5pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt">The Fund is designed to accommodate investors who invest in a fund up to their target retirement date, and plan to make gradual systematic withdrawals in retirement. In addition, investors should note that the Fund will continue to have a significant level of equity exposure up to, through and after its target retirement date, and this exposure could cause significant fluctuations in the value of the Fund depending on the performance of the equity markets generally.</p> <br/><p style="font-family:Sans-Serif; font-size:9.5pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt">After the Fund reaches its final target allocation, the Board of Trustees may authorize the merger of the Fund into another Lifecycle Fund which has also reached its final target allocation or other similar fund designed to maintain a relatively stable asset allocation reflecting the resting point on the glidepath described in the chart above. Fund shareholders will receive prior notice of any such merger. </p> Past performance <p style="font-family:Sans-Serif; font-size:9.5pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt">The following chart and table help illustrate some of the risks of investing in the Fund by showing changes in the Fund&#8217;s performance from year to year. The bar chart shows the annual total returns of the Retirement Class of the Fund, before taxes, in each full calendar year for the last ten years. Because the expenses vary across share classes, the performance of the Retirement Class may vary from the other share classes. Below the bar chart are the best and worst returns of the Retirement Class for a calendar quarter during the full calendar-year periods covered by the bar chart. The performance table following the bar chart shows the Fund&#8217;s average annual total returns for the Retirement, Institutional, Advisor and Premier classes over the applicable one-year, five-year, ten-year and since-inception periods ended December 31, 2018, and how those returns compare to those of a broad-based securities market index and a composite index that represents the market sectors in which the Fund invests across the equity and fixed-income asset classes. After-tax performance is shown only for the Retirement Class shares, and after-tax returns for the other classes of shares will vary from the after-tax returns presented for Retirement Class&#160;shares. </p> <br/><p style="font-family:Sans-Serif; font-size:9.5pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt">The returns shown below reflect previous agreements by Advisors to waive or reimburse the Fund and certain Underlying Funds for certain fees and expenses. Without these waivers and reimbursements, the returns of the Fund would have been lower. Past performance of the Fund (before and after taxes) is not necessarily an indication of how it will perform in the future. The indices listed below are unmanaged, and you cannot invest directly in an index. The returns for the indices reflect no deduction for fees, expenses or taxes.</p> <br/><p style="font-family:Sans-Serif; font-size:9.5pt; font-style:italic; font-weight:normal; text-align:left; text-indent:12.25pt">For current performance information of each share class, including performance to the most recent month-end, please visit www.tiaa.org.</p> ANNUAL TOTAL RETURNS FOR THE RETIREMENT CLASS SHARES (%)&#8224; Lifecycle 2010 Fund 0.1936 0.1153 0.0148 0.1227 0.1178 0.0438 0.0007 0.0598 0.1239 -0.0411 ~ http://www.TIAA.com/20190926/role/ScheduleAnnualTotalReturnsBarChart20011 column dei_LegalEntityAxis compact cik0001084380_S000005375Member row primary compact * ~ Best quarter: 0.1087 2009-06-30 Worst quarter: -0.0799 2011-09-30 The year-to-date return as of the most recent calendar quarter, which ended on June 30, 2019, was 0.1008 2019-06-30 <p style="font-family:Sans-Serif; font-size:1.0pt; font-style:normal; font-weight:normal; text-align:left"><font style="font-family:Sans-Serif; font-size:8.5pt; font-weight:normal">Best quarter: 10.87%, for the quarter ended June 30, 2009. Worst quarter: -7.99%, for the quarter ended September 30, 2011.</font></p> <p style="font-family:Sans-Serif; font-size:1.0pt; font-style:normal; font-weight:normal; margin-left:09.00pt; text-align:left; text-indent:-09.00pt"><font style="font-family:Sans-Serif; font-size:8.5pt; font-weight:normal"><sup>&#8224;</sup></font><font style="font-family:Sans-Serif; font-size:8.5pt; font-weight:normal"><font style="word-spacing:5.5pt">&#160;</font>The year-to-date return as of the most recent calendar quarter, which ended on June 30, 2019, was 10.08%.</font></p> -0.0411 0.0359 0.0730 -0.0561 0.0222 0.0616 -0.0186 0.0239 0.0553 -0.0392 0.0385 0.0756 -0.0394 0.0373 0.0737 -0.0409 0.0368 0.0739 -0.0310 0.0340 0.0624 -0.0305 0.0390 0.0719 2004-10-15 2015-12-04 2007-01-17 2009-09-30 ~ http://www.TIAA.com/20190926/role/ScheduleAverageAnnualReturnsTransposed20012 column dei_LegalEntityAxis compact cik0001084380_S000005375Member column rr_PerformanceMeasureAxis compact * row primary compact * ~ <p style="font-family: Sans-Serif; font-size: 8.5pt; font-style: italic; font-weight: normal; text-align: left;">Current performance of the Fund&#8217;s shares may be higher or lower than that shown above.</p> <br/><p>After-tax returns are calculated using the historical highest individual federal marginal income tax rates in effect during the periods shown and do not reflect the impact of state and local taxes. Actual after-tax returns depend on the investor&#8217;s tax situation and may differ from those shown. The after-tax returns shown are not relevant to investors who hold their Fund shares through tax-deferred arrangements such as 401(a), 401(k) or 403(b) plans or Individual Retirement Accounts (IRAs). After-tax returns are shown for only one class, and after-tax returns for other classes will vary.</p> As of the close of business on December 31, 2018, the Lifecycle 2010 Fund Composite Index consisted of: 39.7% Bloomberg Barclays U.S. Aggregate Bond Index; 29.0% Russell 3000&#174; Index; 12.5% MSCI All Country World Index ex USA Investable Market Index; 9.4% Bloomberg Barclays U.S. 1&#8211;3 Year Government/Credit Bond Index; and 9.4% Bloomberg Barclays U.S. Treasury Inflation Protected Securities (TIPS) 1-10 Year Index. The Fund&#8217;s composite benchmark, the components that make up a composite benchmark and the method of calculating a composite benchmark&#8217;s performance may vary over time. The after-tax returns shown are not relevant to investors who hold their Fund shares through tax-deferred arrangements such as 401(a), 401(k) or 403(b) plans or Individual Retirement Accounts (IRAs). (reflects no deductions for fees, expenses or taxes) After-tax performance is shown only for the Retirement Class shares, and after-tax returns for the other classes of shares will vary from the after-tax returns presented for Retirement Class shares. Past performance of the Fund (before and after taxes) is not necessarily an indication of how it will perform in the future. AVERAGE ANNUAL TOTAL RETURNS For the Periods Ended December 31, 2018 The following chart and table help illustrate some of the risks of investing in the Fund by showing changes in the Fund&#8217;s performance from year to year. After-tax returns are calculated using the historical highest individual federal marginal income tax rates in effect during the periods shown and do not reflect the impact of state and local taxes. www.tiaa.org Example <p style="font-family:Sans-Serif; font-size:1.0pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt"><font style="font-family:Sans-Serif; font-size:9.5pt; font-weight:normal">This example is intended to help you compare the cost of investing in shares of the Fund with the cost of investing in other mutual funds. The example assumes that you invest $10,000 in the Fund for the time periods indicated and then redeem all your shares at the end of those periods. The example also assumes that your investment has a 5% return each year and that the Fund&#8217;s operating expenses, before fee waivers and/or expense reimbursements, remain the same. The example assumes that the Fund&#8217;s fee waiver and/or expense reimbursement arrangements will each remain in place for the durations noted in the table above. Although your actual costs may be higher or lower, based on these assumptions your costs would be: </font></p> 38 46 53 63 125 151 173 205 245 289 328 383 595 693 778 898 ~ http://www.TIAA.com/20190926/role/ScheduleExpenseExample20010 column dei_LegalEntityAxis compact cik0001084380_S000005375Member row primary compact * ~ Portfolio turnover <p style="font-family:Sans-Serif; font-size:9.5pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt">The Fund pays transaction costs, such as commissions, when it buys and sells securities (or &#8220;turns over&#8221; its portfolio). A higher portfolio turnover rate may indicate higher transaction costs and may result in higher taxes when Fund shares are held in a taxable account. These costs, which are not reflected in annual fund operating expenses or in the example, affect the Fund&#8217;s performance. During the fiscal year ended May 31, 2019, the Fund&#8217;s portfolio turnover rate was 22% of the average value of its portfolio.</p> 0.22 Fees and expenses <p style="font-family:Sans-Serif; font-size:9.5pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt">This table describes the fees and expenses that you may pay if you buy and hold shares of the Fund. In addition to the fees and expenses described below, investors may be required to pay a commission to a broker-dealer or other financial intermediary on purchases and sales of Institutional Class or Advisor Class shares of the Fund.</p> 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.0042 0.0042 0.0042 0.0042 0.0015 0.0005 0.0013 0.0005 0.0030 0.0003 0.0003 0.0003 0.0003 0.0050 0.0058 0.0065 0.0075 -0.0013 -0.0013 -0.0013 -0.0013 0.0037 0.0045 0.0052 0.0062 ~ http://www.TIAA.com/20190926/role/ScheduleShareholderFees20008 column dei_LegalEntityAxis compact cik0001084380_S000005375Member row primary compact * ~ ~ http://www.TIAA.com/20190926/role/ScheduleAnnualFundOperatingExpenses20009 column dei_LegalEntityAxis compact cik0001084380_S000005375Member row primary compact * ~ &#8220;Acquired Fund fees and expenses&#8221; are the Fund&#8217;s proportionate amount of the expenses of any investment companies or pools in which it invests (excluding expenses originally incurred by Class W of the Underlying Funds of the Trust that have been incurred directly by the Fund, which are instead reflected in Management fees and Other expenses). These expenses are not paid directly by Fund shareholders. Instead, Fund shareholders bear these expenses indirectly because they reduce Fund performance. Because &#8220;Acquired Fund fees and expenses&#8221; are included in the chart above, the Fund&#8217;s operating expenses here will not correlate with the expenses included in the Financial highlights in this Prospectus and the Fund&#8217;s annual report. 2020-09-30 Restated to reflect estimates for the current fiscal year. SHAREHOLDER FEES (fees paid directly from your investment) ANNUAL FUND OPERATING EXPENSES (expenses that you pay each year as a percentage of the value of your investment) TIAA-CREF Lifecycle 2015 Fund Investment objective <p style="font-family:Sans-Serif; font-size:9.5pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt">The Lifecycle 2015 Fund seeks high total return over time through a combination of capital appreciation and income.</p> Principal investment risks <p style="font-family:Sans-Serif; font-size:1.0pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt"><font style="font-family:Sans-Serif; font-size:9.5pt; font-weight:normal">You could lose money over short or long periods by investing in this Fund. 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text-indent:-09.35pt">100.00%</p></td></tr></table> <br/><p style="font-family:Sans-Serif; font-size:9.5pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt">The following chart shows how the investment glidepath for the Fund is expected to gradually move the Fund&#8217;s target allocations over time between the different target market sector allocations. The actual market sector allocations of the Fund may differ from this chart. The Fund seeks to achieve its final target market sector allocations approximately 30 years following the target&#160;date. </p> <br/><table border="0" cellpadding="0" cellspacing="0" style="width: 100%; border-collapse: collapse; font: 11pt Calibri, Helvetica, Sans-Serif"> <tr style="vertical-align: bottom"> <td colspan="7" style="border-top: Black 0.5pt solid; border-right: black 0.5pt solid; border-bottom: Black 0.5pt solid; border-left: Black 0.5pt solid; text-align: center">Lifecycle Funds Glidepath as of June 30, 2020</td></tr> <tr style="vertical-align: bottom"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1pt solid; text-align: center; width: 16%">Years to Target Retirement Date</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1pt solid; text-align: center; width: 14%">US Equities</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1pt solid; text-align: center; width: 14%">International Equities</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1pt solid; text-align: center; width: 14%">Direct Real Estate</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1pt solid; text-align: center; width: 14%">Fixed Income</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1pt solid; text-align: center; width: 14%">Short Term Fixed Income</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1pt solid; text-align: center; width: 14%">Inflation Protected Bonds</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">45</td> <td style="text-align: center">66.50%</td> <td style="text-align: center">28.50%</td> <td style="text-align: center">5.00%</td> <td style="text-align: center">0.00%</td> <td style="text-align: center">0.00%</td> <td style="text-align: center">0.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">40</td> <td style="text-align: center">65.62%</td> <td style="text-align: center">28.13%</td> <td style="text-align: center">5.00%</td> <td style="text-align: center">1.25%</td> <td style="text-align: center">0.00%</td> <td style="text-align: center">0.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">35</td> <td style="text-align: center">64.75%</td> <td style="text-align: center">27.75%</td> <td style="text-align: center">5.00%</td> <td style="text-align: center">2.50%</td> <td style="text-align: center">0.00%</td> <td style="text-align: center">0.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">30</td> <td style="text-align: center">63.87%</td> <td style="text-align: center">27.38%</td> <td style="text-align: center">5.00%</td> <td style="text-align: center">3.75%</td> <td style="text-align: center">0.00%</td> <td style="text-align: center">0.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">25</td> <td style="text-align: center">63.00%</td> <td style="text-align: center">27.00%</td> <td style="text-align: center">5.00%</td> <td style="text-align: center">5.00%</td> <td style="text-align: center">0.00%</td> <td style="text-align: center">0.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">20</td> <td style="text-align: center">56.70%</td> <td style="text-align: center">24.30%</td> <td style="text-align: center">5.00%</td> <td style="text-align: center">14.00%</td> <td style="text-align: center">0.00%</td> <td style="text-align: center">0.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">15</td> <td style="text-align: center">50.40%</td> <td style="text-align: center">21.60%</td> <td style="text-align: center">5.00%</td> <td style="text-align: center">23.00%</td> <td style="text-align: center">0.00%</td> <td style="text-align: center">0.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">10</td> <td style="text-align: center">44.10%</td> <td style="text-align: center">18.90%</td> <td style="text-align: center">5.00%</td> <td style="text-align: center">28.00%</td> <td style="text-align: center">2.00%</td> <td style="text-align: center">2.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">5</td> <td style="text-align: center">37.80%</td> <td style="text-align: center">16.20%</td> <td style="text-align: center">5.00%</td> <td style="text-align: center">33.00%</td> <td style="text-align: center">4.00%</td> <td style="text-align: center">4.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">0</td> <td style="text-align: center">31.50%</td> <td style="text-align: center">13.50%</td> <td style="text-align: center">5.00%</td> <td style="text-align: center">38.00%</td> <td style="text-align: center">6.00%</td> <td style="text-align: center">6.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">-5</td> <td style="text-align: center">28.00%</td> <td style="text-align: center">12.00%</td> <td style="text-align: center">5.00%</td> <td style="text-align: center">39.00%</td> <td style="text-align: center">8.00%</td> <td style="text-align: center">8.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">-10</td> <td style="text-align: center">24.50%</td> <td style="text-align: center">10.50%</td> <td style="text-align: center">5.00%</td> <td style="text-align: center">40.00%</td> <td style="text-align: center">10.00%</td> <td style="text-align: center">10.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">-15</td> <td style="text-align: center">22.75%</td> <td style="text-align: center">9.75%</td> <td style="text-align: center">2.50%</td> <td style="text-align: center">40.00%</td> <td style="text-align: center">15.00%</td> <td style="text-align: center">10.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">-20</td> <td style="text-align: center">21.00%</td> <td style="text-align: center">9.00%</td> <td style="text-align: center">0.00%</td> <td style="text-align: center">40.00%</td> <td style="text-align: center">20.00%</td> <td style="text-align: center">10.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">-25</td> <td style="text-align: center">17.50%</td> <td style="text-align: center">7.50%</td> <td style="text-align: center">0.00%</td> <td style="text-align: center">40.00%</td> <td style="text-align: center">25.00%</td> <td style="text-align: center">10.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">-30</td> <td style="text-align: center">14.00%</td> <td style="text-align: center">6.00%</td> <td style="text-align: center">0.00%</td> <td style="text-align: center">40.00%</td> <td style="text-align: center">30.00%</td> <td style="text-align: center">10.00%</td></tr> </table> <br/><p style="font-family:Sans-Serif; font-size:9.5pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt">The Fund is designed to accommodate investors who invest in a fund up to their target retirement date, and plan to make gradual systematic withdrawals in retirement. In addition, investors should note that the Fund will continue to have a significant level of equity exposure up to, through and after its target retirement date, and this exposure could cause significant fluctuations in the value of the Fund depending on the performance of the equity markets generally.</p> <br/><p style="font-family:Sans-Serif; font-size:9.5pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt">After the Fund reaches its final target allocation, the Board of Trustees may authorize the merger of the Fund into another Lifecycle Fund which has also reached its final target allocation or other similar fund designed to maintain a relatively stable asset allocation reflecting the resting point on the glidepath described in the chart above. Fund shareholders will receive prior notice of any such merger. </p> Past performance <p style="font-family:Sans-Serif; font-size:9.5pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt">The following chart and table help illustrate some of the risks of investing in the Fund by showing changes in the Fund&#8217;s performance from year to year. The bar chart shows the annual total returns of the Retirement Class of the Fund, before taxes, in each full calendar year for the last ten years. Because the expenses vary across share classes, the performance of the Retirement Class may vary from the other share classes. Below the bar chart are the best and worst returns of the Retirement Class for a calendar quarter during the full calendar-year periods covered by the bar chart. The performance table following the bar chart shows the Fund&#8217;s average annual total returns for the Retirement, Institutional, Advisor and Premier classes over the applicable one-year, five-year, ten-year and since-inception periods ended December 31, 2018, and how those returns compare to those of a broad-based securities market index and a composite index that represents the market sectors in which the Fund invests across the equity and fixed-income asset classes. After-tax performance is shown only for the Retirement Class shares, and after-tax returns for the other classes of shares will vary from the after-tax returns presented for Retirement Class&#160;shares. </p> <br/><p style="font-family:Sans-Serif; font-size:9.5pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt">The returns shown below reflect previous agreements by Advisors to waive or reimburse the Fund and certain Underlying Funds for certain fees and expenses. Without these waivers and reimbursements, the returns of the Fund would have been lower. Past performance of the Fund (before and after taxes) is not necessarily an indication of how it will perform in the future. The indices listed below are unmanaged, and you cannot invest directly in an index. The returns for the indices reflect no deduction for fees, expenses or taxes.</p> <br/><p style="font-family:Sans-Serif; font-size:9.5pt; font-style:italic; font-weight:normal; text-align:left; text-indent:12.25pt">For current performance information of each share class, including performance to the most recent month-end, please visit www.tiaa.org.</p> ANNUAL TOTAL RETURNS FOR THE RETIREMENT CLASS SHARES (%)&#8224; Lifecycle 2015 Fund 0.2132 0.1236 0.0046 0.1331 0.1366 0.0445 0.0018 0.0611 0.1365 -0.0474 ~ http://www.TIAA.com/20190926/role/ScheduleAnnualTotalReturnsBarChart20018 column dei_LegalEntityAxis compact cik0001084380_S000005376Member row primary compact * ~ Best quarter: 0.1239 2009-06-30 Worst quarter: -0.0952 2011-09-30 The year-to-date return as of the most recent calendar quarter, which ended on June 30, 2019, was 0.1078 2019-06-30 <p style="font-family:Sans-Serif; font-size:1.0pt; font-style:normal; font-weight:normal; text-align:left"><font style="font-family:Sans-Serif; font-size:8.5pt; font-weight:normal">Best quarter: 12.39%, for the quarter ended June 30, 2009. Worst quarter: -9.52%, for the quarter ended September 30, 2011.</font></p> <p style="font-family:Sans-Serif; font-size:1.0pt; font-style:normal; font-weight:normal; margin-left:09.00pt; text-align:left; text-indent:-09.00pt"><font style="font-family:Sans-Serif; font-size:8.5pt; font-weight:normal"><sup>&#8224;</sup></font><font style="font-family:Sans-Serif; font-size:8.5pt; font-weight:normal"><font style="word-spacing:5.5pt">&#160;</font>The year-to-date return as of the most recent calendar quarter, which ended on June 30, 2019, was 10.78%.</font></p> -0.0474 0.0375 0.0780 -0.0636 0.0205 0.0639 -0.0207 0.0254 0.0599 -0.0441 0.0403 0.0808 -0.0442 0.0391 0.0788 -0.0460 0.0387 0.0790 -0.0367 0.0379 0.0711 -0.0348 0.0412 0.0774 2009-09-30 2004-10-15 2015-12-04 2007-01-17 ~ http://www.TIAA.com/20190926/role/ScheduleAverageAnnualReturnsTransposed20019 column dei_LegalEntityAxis compact cik0001084380_S000005376Member column rr_PerformanceMeasureAxis compact * row primary compact * ~ <p style="font-family: Sans-Serif; font-size: 8.5pt; font-style: italic; font-weight: normal; text-align: left;">Current performance of the Fund&#8217;s shares may be higher or lower than that shown above.</p> <br/><p><br/>After-tax returns are calculated using the historical highest individual federal marginal income tax rates in effect during the periods shown and do not reflect the impact of state and local taxes. Actual after-tax returns depend on the investor&#8217;s tax situation and may differ from those shown. The after-tax returns shown are not relevant to investors who hold their Fund shares through tax-deferred arrangements such as 401(a), 401(k) or 403(b) plans or Individual Retirement Accounts (IRAs). After-tax returns are shown for only one class, and after-tax returns for other classes will vary.</p> As of the close of business on December 31, 2018, the Lifecycle 2015 Fund Composite Index consisted of: 38.7% Bloomberg Barclays U.S. Aggregate Bond Index; 32.5% Russell 3000&#174; Index; 14.0% MSCI All Country World Index ex USA Investable Market Index; 7.4% Bloomberg Barclays U.S. 1&#8211;3 Year Government/Credit Bond Index; and 7.4% Bloomberg Barclays U.S. Treasury Inflation Protected Securities (TIPS) 1-10 Year Index. The Fund&#8217;s composite benchmark, the components that make up a composite benchmark and the method of calculating a composite benchmark&#8217;s performance may vary over time. The after-tax returns shown are not relevant to investors who hold their Fund shares through tax-deferred arrangements such as 401(a), 401(k) or 403(b) plans or Individual Retirement Accounts (IRAs). (reflects no deductions for fees, expenses or taxes) After-tax performance is shown only for the Retirement Class shares, and after-tax returns for the other classes of shares will vary from the after-tax returns presented for Retirement Class shares. Past performance of the Fund (before and after taxes) is not necessarily an indication of how it will perform in the future. AVERAGE ANNUAL TOTAL RETURNS For the Periods Ended December 31, 2018 The following chart and table help illustrate some of the risks of investing in the Fund by showing changes in the Fund&#8217;s performance from year to year. After-tax returns are calculated using the historical highest individual federal marginal income tax rates in effect during the periods shown and do not reflect the impact of state and local taxes. www.tiaa.org Example <p style="font-family:Sans-Serif; font-size:1.0pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt"><font style="font-family:Sans-Serif; font-size:9.5pt; font-weight:normal">This example is intended to help you compare the cost of investing in shares of the Fund with the cost of investing in other mutual funds. The example assumes that you invest $10,000 in the Fund for the time periods indicated and then redeem all your shares at the end of those periods. The example also assumes that your investment has a 5% return each year and that the Fund&#8217;s operating expenses, before fee waivers and/or expense reimbursements, remain the same. The example assumes that the Fund&#8217;s fee waiver and/or expense reimbursement arrangements will each remain in place for the durations noted in the table above. Although your actual costs may be higher or lower, based on these assumptions your costs would be: </font></p> 39 47 54 64 126 152 174 206 246 290 329 384 596 694 779 899 ~ http://www.TIAA.com/20190926/role/ScheduleExpenseExample20017 column dei_LegalEntityAxis compact cik0001084380_S000005376Member row primary compact * ~ Portfolio turnover <p style="font-family:Sans-Serif; font-size:9.5pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt">The Fund pays transaction costs, such as commissions, when it buys and sells securities (or &#8220;turns over&#8221; its portfolio). A higher portfolio turnover rate may indicate higher transaction costs and may result in higher taxes when Fund shares are held in a taxable account. These costs, which are not reflected in annual fund operating expenses or in the example, affect the Fund&#8217;s performance. During the fiscal year ended May 31, 2019, the Fund&#8217;s portfolio turnover rate was 21% of the average value of its portfolio.</p> 0.21 Fees and expenses <p style="font-family:Sans-Serif; font-size:9.5pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt">This table describes the fees and expenses that you may pay if you buy and hold shares of the Fund. In addition to the fees and expenses described below, investors may be required to pay a commission to a broker-dealer or other financial intermediary on purchases and sales of Institutional Class or Advisor Class shares of the Fund.</p> 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.0043 0.0043 0.0043 0.0043 0.0015 0.0004 0.0012 0.0004 0.0029 0.0003 0.0003 0.0003 0.0003 0.0050 0.0058 0.0065 0.0075 -0.0012 -0.0012 -0.0012 -0.0012 0.0038 0.0046 0.0053 0.0063 ~ http://www.TIAA.com/20190926/role/ScheduleShareholderFees20015 column dei_LegalEntityAxis compact cik0001084380_S000005376Member row primary compact * ~ ~ http://www.TIAA.com/20190926/role/ScheduleAnnualFundOperatingExpenses20016 column dei_LegalEntityAxis compact cik0001084380_S000005376Member row primary compact * ~ &#8220;Acquired Fund fees and expenses&#8221; are the Fund&#8217;s proportionate amount of the expenses of any investment companies or pools in which it invests (excluding expenses originally incurred by Class W of the Underlying Funds of the Trust that have been incurred directly by the Fund, which are instead reflected in Management fees and Other expenses). These expenses are not paid directly by Fund shareholders. Instead, Fund shareholders bear these expenses indirectly because they reduce Fund performance. Because &#8220;Acquired Fund fees and expenses&#8221; are included in the chart above, the Fund&#8217;s operating expenses here will not correlate with the expenses included in the Financial highlights in this Prospectus and the Fund&#8217;s annual report. 2020-09-30 Restated to reflect estimates for the current fiscal year. SHAREHOLDER FEES (fees paid directly from your investment) ANNUAL FUND OPERATING EXPENSES (expenses that you pay each year as a percentage of the value of your investment) TIAA-CREF Lifecycle 2020 Fund Investment objective <p style="font-family:Sans-Serif; font-size:9.5pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt">The Lifecycle 2020 Fund seeks high total return over time through a combination of capital appreciation and income.</p> Principal investment risks <p style="font-family:Sans-Serif; font-size:1.0pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt"><font style="font-family:Sans-Serif; font-size:9.5pt; font-weight:normal">You could lose money over short or long periods by investing in this Fund. An investment in the Fund, due to the nature of the Fund&#8217;s portfolio holdings, typically is subject to the following principal investment risks:</font></p> <br/><p style="font-family:Sans-Serif; font-size:9.5pt; font-style:normal; font-weight:normal; margin-left:18.75pt; text-align:left; text-indent:-06.50pt"><font style="font-family:Symbol; font-size:7.0pt; font-weight:normal">&#183;</font><font style="font-family:Symbol; font-size:7.0pt; font-weight:normal"><font style="word-spacing:4.25pt">&#160;</font></font><font style="font-family:Sans-Serif; font-weight:bold">Asset Allocation Risk</font>&#8212;The risk that the Fund may not achieve its target allocations. 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text-indent:-09.35pt">100.00%</p></td></tr></table> <br/><p style="font-family:Sans-Serif; font-size:9.5pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt">The following chart shows how the investment glidepath for the Fund is expected to gradually move the Fund&#8217;s target allocations over time between the different target market sector allocations. The actual market sector allocations of the Fund may differ from this chart. The Fund seeks to achieve its final target market sector allocations approximately 30 years following the target&#160;date. </p> <br/><table border="0" cellpadding="0" cellspacing="0" style="width: 100%; border-collapse: collapse; font: 11pt Calibri, Helvetica, Sans-Serif"> <tr style="vertical-align: bottom"> <td colspan="7" style="border-top: Black 0.5pt solid; border-right: black 0.5pt solid; border-bottom: Black 0.5pt solid; border-left: Black 0.5pt solid; text-align: center">Lifecycle Funds Glidepath as of June 30, 2020</td></tr> <tr style="vertical-align: bottom"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1pt solid; text-align: center; width: 16%">Years to Target Retirement Date</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1pt solid; text-align: center; width: 14%">US Equities</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1pt solid; text-align: center; width: 14%">International Equities</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1pt solid; text-align: center; width: 14%">Direct Real Estate</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1pt solid; text-align: center; width: 14%">Fixed Income</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1pt solid; text-align: center; width: 14%">Short Term Fixed Income</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1pt solid; text-align: center; width: 14%">Inflation Protected Bonds</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">45</td> <td style="text-align: center">66.50%</td> <td style="text-align: center">28.50%</td> <td style="text-align: center">5.00%</td> <td style="text-align: center">0.00%</td> <td style="text-align: center">0.00%</td> <td style="text-align: center">0.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">40</td> <td style="text-align: center">65.62%</td> <td style="text-align: center">28.13%</td> <td style="text-align: center">5.00%</td> <td style="text-align: center">1.25%</td> <td style="text-align: center">0.00%</td> <td style="text-align: center">0.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">35</td> <td style="text-align: center">64.75%</td> <td style="text-align: center">27.75%</td> <td style="text-align: center">5.00%</td> <td style="text-align: center">2.50%</td> <td style="text-align: center">0.00%</td> <td style="text-align: center">0.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">30</td> <td style="text-align: center">63.87%</td> <td style="text-align: center">27.38%</td> <td style="text-align: center">5.00%</td> <td style="text-align: center">3.75%</td> <td style="text-align: center">0.00%</td> <td style="text-align: center">0.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">25</td> <td style="text-align: center">63.00%</td> <td style="text-align: center">27.00%</td> <td style="text-align: center">5.00%</td> <td style="text-align: center">5.00%</td> <td style="text-align: center">0.00%</td> <td style="text-align: center">0.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">20</td> <td style="text-align: center">56.70%</td> <td style="text-align: center">24.30%</td> <td style="text-align: center">5.00%</td> <td style="text-align: center">14.00%</td> <td style="text-align: center">0.00%</td> <td style="text-align: center">0.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">15</td> <td style="text-align: center">50.40%</td> <td style="text-align: center">21.60%</td> <td style="text-align: center">5.00%</td> <td style="text-align: center">23.00%</td> <td style="text-align: center">0.00%</td> <td style="text-align: center">0.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">10</td> <td style="text-align: center">44.10%</td> <td style="text-align: center">18.90%</td> <td style="text-align: center">5.00%</td> <td style="text-align: center">28.00%</td> <td style="text-align: center">2.00%</td> <td style="text-align: center">2.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">5</td> <td style="text-align: center">37.80%</td> <td style="text-align: center">16.20%</td> <td style="text-align: center">5.00%</td> <td style="text-align: center">33.00%</td> <td style="text-align: center">4.00%</td> <td style="text-align: center">4.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">0</td> <td style="text-align: center">31.50%</td> <td style="text-align: center">13.50%</td> <td style="text-align: center">5.00%</td> <td style="text-align: center">38.00%</td> <td style="text-align: center">6.00%</td> <td style="text-align: center">6.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">-5</td> <td style="text-align: center">28.00%</td> <td style="text-align: center">12.00%</td> <td style="text-align: center">5.00%</td> <td style="text-align: center">39.00%</td> <td style="text-align: center">8.00%</td> <td style="text-align: center">8.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">-10</td> <td style="text-align: center">24.50%</td> <td style="text-align: center">10.50%</td> <td style="text-align: center">5.00%</td> <td style="text-align: center">40.00%</td> <td style="text-align: center">10.00%</td> <td style="text-align: center">10.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">-15</td> <td style="text-align: center">22.75%</td> <td style="text-align: center">9.75%</td> <td style="text-align: center">2.50%</td> <td style="text-align: center">40.00%</td> <td style="text-align: center">15.00%</td> <td style="text-align: center">10.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">-20</td> <td style="text-align: center">21.00%</td> <td style="text-align: center">9.00%</td> <td style="text-align: center">0.00%</td> <td style="text-align: center">40.00%</td> <td style="text-align: center">20.00%</td> <td style="text-align: center">10.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">-25</td> <td style="text-align: center">17.50%</td> <td style="text-align: center">7.50%</td> <td style="text-align: center">0.00%</td> <td style="text-align: center">40.00%</td> <td style="text-align: center">25.00%</td> <td style="text-align: center">10.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">-30</td> <td style="text-align: center">14.00%</td> <td style="text-align: center">6.00%</td> <td style="text-align: center">0.00%</td> <td style="text-align: center">40.00%</td> <td style="text-align: center">30.00%</td> <td style="text-align: center">10.00%</td></tr> </table> <br/><p style="font-family:Sans-Serif; font-size:9.5pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt">The Fund is designed to accommodate investors who invest in a fund up to their target retirement date, and plan to make gradual systematic withdrawals in retirement. In addition, investors should note that the Fund will continue to have a significant level of equity exposure up to, through and after its target retirement date, and this exposure could cause significant fluctuations in the value of the Fund depending on the performance of the equity markets generally.</p> <br/><p style="font-family:Sans-Serif; font-size:9.5pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt">After the Fund reaches its final target allocation, the Board of Trustees may authorize the merger of the Fund into another Lifecycle Fund which has also reached its final target allocation or other similar fund designed to maintain a relatively stable asset allocation reflecting the resting point on the glidepath described in the chart above. Fund shareholders will receive prior notice of any such merger. </p> Past performance <p style="font-family:Sans-Serif; font-size:9.5pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt">The following chart and table help illustrate some of the risks of investing in the Fund by showing changes in the Fund&#8217;s performance from year to year. The bar chart shows the annual total returns of the Retirement Class of the Fund, before taxes, in each full calendar year for the last ten years. Because the expenses vary across share classes, the performance of the Retirement Class may vary from the other share classes. Below the bar chart are the best and worst returns of the Retirement Class for a calendar quarter during the full calendar-year periods covered by the bar chart. The performance table following the bar chart shows the Fund&#8217;s average annual total returns for the Retirement, Institutional, Advisor and Premier classes over the applicable one-year, five-year, ten-year and since-inception periods ended December 31, 2018, and how those returns compare to those of a broad-based securities market index and a composite index that represents the market sectors in which the Fund invests across the equity and fixed-income asset classes. After-tax performance is shown only for the Retirement Class shares, and after-tax returns for the other classes of shares will vary from the after-tax returns presented for Retirement Class&#160;shares. </p> <br/><p style="font-family:Sans-Serif; font-size:9.5pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt">The returns shown below reflect previous agreements by Advisors to waive or reimburse the Fund and certain Underlying Funds for certain fees and expenses. Without these waivers and reimbursements, the returns of the Fund would have been lower. Past performance of the Fund (before and after taxes) is not necessarily an indication of how it will perform in the future. The indices listed below are unmanaged, and you cannot invest directly in an index. The returns for the indices reflect no deduction for fees, expenses or taxes.</p> <br/><p style="font-family:Sans-Serif; font-size:9.5pt; font-style:italic; font-weight:normal; text-align:left; text-indent:12.25pt">For current performance information of each share class, including performance to the most recent month-end, please visit www.tiaa.org.</p> ANNUAL TOTAL RETURNS FOR THE RETIREMENT CLASS SHARES (%)&#8224; Lifecycle 2020 Fund 0.2315 0.1315 -0.0052 0.1428 0.1630 0.0452 0.0017 0.0645 0.1521 -0.0538 ~ http://www.TIAA.com/20190926/role/ScheduleAnnualTotalReturnsBarChart20025 column dei_LegalEntityAxis compact cik0001084380_S000005377Member row primary compact * ~ Best quarter: 0.1385 2009-06-30 Worst quarter: -0.1124 2011-09-30 The year-to-date return as of the most recent calendar quarter, which ended on June 30, 2019, was 0.1148 2019-06-30 <p style="font-family:Sans-Serif; font-size:1.0pt; font-style:normal; font-weight:normal; text-align:left"><font style="font-family:Sans-Serif; font-size:8.5pt; font-weight:normal">Best quarter: 13.85%, for the quarter ended June 30, 2009. Worst quarter: -11.24%, for the quarter ended September 30, 2011.</font></p> <p style="font-family:Sans-Serif; font-size:1.0pt; font-style:normal; font-weight:normal; margin-left:09.00pt; text-align:left; text-indent:-09.00pt"><font style="font-family:Sans-Serif; font-size:8.5pt; font-weight:normal"><sup>&#8224;</sup></font><font style="font-family:Sans-Serif; font-size:8.5pt; font-weight:normal"><font style="word-spacing:5.5pt">&#160;</font>The year-to-date return as of the most recent calendar quarter, which ended on June 30, 2019, was 11.48%.</font></p> -0.0538 0.0397 0.0839 -0.0697 0.0235 0.0707 -0.0242 0.0274 0.0653 -0.0518 0.0424 0.0866 -0.0515 0.0411 0.0846 -0.0526 0.0408 0.0850 -0.0416 0.0410 0.0786 -0.0397 0.0441 0.0837 2009-09-30 2007-01-17 2004-10-15 2015-12-04 ~ http://www.TIAA.com/20190926/role/ScheduleAverageAnnualReturnsTransposed20026 column dei_LegalEntityAxis compact cik0001084380_S000005377Member column rr_PerformanceMeasureAxis compact * row primary compact * ~ <p style="font-family: Sans-Serif; font-size: 8.5pt; font-style: italic; font-weight: normal; text-align: left;">Current performance of the Fund&#8217;s shares may be higher or lower than that shown above.</p> <br/><p>After-tax returns are calculated using the historical highest individual federal marginal income tax rates in effect during the periods shown and do not reflect the impact of state and local taxes. Actual after-tax returns depend on the investor&#8217;s tax situation and may differ from those shown. The after-tax returns shown are not relevant to investors who hold their Fund shares through tax-deferred arrangements such as 401(a), 401(k) or 403(b) plans or Individual Retirement Accounts (IRAs). After-tax returns are shown for only one class, and after-tax returns for other classes will vary.<br/>&#160;</p> As of the close of business on December 31, 2018, the Lifecycle 2020 Fund Composite Index consisted of: 36.8% Bloomberg Barclays U.S. Aggregate Bond Index; 36.7% Russell 3000&#174; Index; 15.7% MSCI All Country World Index ex USA Investable Market Index; 5.4% Bloomberg Barclays U.S. 1&#8211;3 Year Government/Credit Bond Index; and 5.4% Bloomberg Barclays U.S. Treasury Inflation Protected Securities (TIPS) 1-10 Year Index. The Fund&#8217;s composite benchmark, the components that make up a composite benchmark and the method of calculating a composite benchmark&#8217;s performance may vary over time. The after-tax returns shown are not relevant to investors who hold their Fund shares through tax-deferred arrangements such as 401(a), 401(k) or 403(b) plans or Individual Retirement Accounts (IRAs). (reflects no deductions for fees, expenses or taxes) After-tax performance is shown only for the Retirement Class shares, and after-tax returns for the other classes of shares will vary from the after-tax returns presented for Retirement Class shares. Past performance of the Fund (before and after taxes) is not necessarily an indication of how it will perform in the future. AVERAGE ANNUAL TOTAL RETURNS For the Periods Ended December 31, 2018 The following chart and table help illustrate some of the risks of investing in the Fund by showing changes in the Fund&#8217;s performance from year to year. After-tax returns are calculated using the historical highest individual federal marginal income tax rates in effect during the periods shown and do not reflect the impact of state and local taxes. www.tiaa.org Example <p style="font-family:Sans-Serif; font-size:1.0pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt"><font style="font-family:Sans-Serif; font-size:9.5pt; font-weight:normal">This example is intended to help you compare the cost of investing in shares of the Fund with the cost of investing in other mutual funds. The example assumes that you invest $10,000 in the Fund for the time periods indicated and then redeem all your shares at the end of those periods. The example also assumes that your investment has a 5% return each year and that the Fund&#8217;s operating expenses, before fee waivers and/or expense reimbursements, remain the same. The example assumes that the Fund&#8217;s fee waiver and/or expense reimbursement arrangements will each remain in place for the durations noted in the table above. Although your actual costs may be higher or lower, based on these assumptions your costs would be: </font></p> 40 48 55 65 130 155 177 209 252 296 334 389 608 706 791 911 ~ http://www.TIAA.com/20190926/role/ScheduleExpenseExample20024 column dei_LegalEntityAxis compact cik0001084380_S000005377Member row primary compact * ~ Portfolio turnover <p style="font-family:Sans-Serif; font-size:9.5pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt">The Fund pays transaction costs, such as commissions, when it buys and sells securities (or &#8220;turns over&#8221; its portfolio). A higher portfolio turnover rate may indicate higher transaction costs and may result in higher taxes when Fund shares are held in a taxable account. These costs, which are not reflected in annual fund operating expenses or in the example, affect the Fund&#8217;s performance. During the fiscal year ended May 31, 2019, the Fund&#8217;s portfolio turnover rate was 23% of the average value of its portfolio.</p> 0.23 Fees and expenses <p style="font-family:Sans-Serif; font-size:9.5pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt">This table describes the fees and expenses that you may pay if you buy and hold shares of the Fund. In addition to the fees and expenses described below, investors may be required to pay a commission to a broker-dealer or other financial intermediary on purchases and sales of Institutional Class or Advisor Class shares of the Fund.</p> 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.0044 0.0044 0.0044 0.0044 0.0015 0.0004 0.0012 0.0004 0.0029 0.0003 0.0003 0.0003 0.0003 0.0051 0.0059 0.0066 0.0076 -0.0012 -0.0012 -0.0012 -0.0012 0.0039 0.0047 0.0054 0.0064 ~ http://www.TIAA.com/20190926/role/ScheduleShareholderFees20022 column dei_LegalEntityAxis compact cik0001084380_S000005377Member row primary compact * ~ ~ http://www.TIAA.com/20190926/role/ScheduleAnnualFundOperatingExpenses20023 column dei_LegalEntityAxis compact cik0001084380_S000005377Member row primary compact * ~ &#8220;Acquired Fund fees and expenses&#8221; are the Fund&#8217;s proportionate amount of the expenses of any investment companies or pools in which it invests (excluding expenses originally incurred by Class W of the Underlying Funds of the Trust that have been incurred directly by the Fund, which are instead reflected in Management fees and Other expenses). These expenses are not paid directly by Fund shareholders. Instead, Fund shareholders bear these expenses indirectly because they reduce Fund performance. Because &#8220;Acquired Fund fees and expenses&#8221; are included in the chart above, the Fund&#8217;s operating expenses here will not correlate with the expenses included in the Financial highlights in this Prospectus and the Fund&#8217;s annual report. 2020-09-30 Restated to reflect estimates for the current fiscal year. SHAREHOLDER FEES (fees paid directly from your investment) ANNUAL FUND OPERATING EXPENSES (expenses that you pay each year as a percentage of the value of your investment) TIAA-CREF Lifecycle 2025 Fund Investment objective <p style="font-family:Sans-Serif; font-size:9.5pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt">The Lifecycle 2025 Fund seeks high total return over time through a combination of capital appreciation and income.</p> Principal investment risks <p style="font-family:Sans-Serif; font-size:1.0pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt"><font style="font-family:Sans-Serif; font-size:9.5pt; font-weight:normal">You could lose money over short or long periods by investing in this Fund. 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text-indent:-09.35pt">100.00%</p></td></tr></table> <br/><p style="font-family:Sans-Serif; font-size:9.5pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt">The following chart shows how the investment glidepath for the Fund is expected to gradually move the Fund&#8217;s target allocations over time between the different target market sector allocations. The actual market sector allocations of the Fund may differ from this chart. The Fund seeks to achieve its final target market sector allocations approximately 30 years following the target&#160;date. </p> <br/><table border="0" cellpadding="0" cellspacing="0" style="width: 100%; border-collapse: collapse; font: 11pt Calibri, Helvetica, Sans-Serif"> <tr style="vertical-align: bottom"> <td colspan="7" style="border-top: Black 0.5pt solid; border-right: black 0.5pt solid; border-bottom: Black 0.5pt solid; border-left: Black 0.5pt solid; text-align: center">Lifecycle Funds Glidepath as of June 30, 2020</td></tr> <tr style="vertical-align: bottom"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1pt solid; text-align: center; width: 16%">Years to Target Retirement Date</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1pt solid; text-align: center; width: 14%">US Equities</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1pt solid; text-align: center; width: 14%">International Equities</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1pt solid; text-align: center; width: 14%">Direct Real Estate</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1pt solid; text-align: center; width: 14%">Fixed Income</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1pt solid; text-align: center; width: 14%">Short Term Fixed Income</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1pt solid; text-align: center; width: 14%">Inflation Protected Bonds</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">45</td> <td style="text-align: center">66.50%</td> <td style="text-align: center">28.50%</td> <td style="text-align: center">5.00%</td> <td style="text-align: center">0.00%</td> <td style="text-align: center">0.00%</td> <td style="text-align: center">0.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">40</td> <td style="text-align: center">65.62%</td> <td style="text-align: center">28.13%</td> <td style="text-align: center">5.00%</td> <td style="text-align: center">1.25%</td> <td style="text-align: center">0.00%</td> <td style="text-align: center">0.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">35</td> <td style="text-align: center">64.75%</td> <td style="text-align: center">27.75%</td> <td style="text-align: center">5.00%</td> <td style="text-align: center">2.50%</td> <td style="text-align: center">0.00%</td> <td style="text-align: center">0.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">30</td> <td style="text-align: center">63.87%</td> <td style="text-align: center">27.38%</td> <td style="text-align: center">5.00%</td> <td style="text-align: center">3.75%</td> <td style="text-align: center">0.00%</td> <td style="text-align: center">0.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">25</td> <td style="text-align: center">63.00%</td> <td style="text-align: center">27.00%</td> <td style="text-align: center">5.00%</td> <td style="text-align: center">5.00%</td> <td style="text-align: center">0.00%</td> <td style="text-align: center">0.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">20</td> <td style="text-align: center">56.70%</td> <td style="text-align: center">24.30%</td> <td style="text-align: center">5.00%</td> <td style="text-align: center">14.00%</td> <td style="text-align: center">0.00%</td> <td style="text-align: center">0.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">15</td> <td style="text-align: center">50.40%</td> <td style="text-align: center">21.60%</td> <td style="text-align: center">5.00%</td> <td style="text-align: center">23.00%</td> <td style="text-align: center">0.00%</td> <td style="text-align: center">0.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">10</td> <td style="text-align: center">44.10%</td> <td style="text-align: center">18.90%</td> <td style="text-align: center">5.00%</td> <td style="text-align: center">28.00%</td> <td style="text-align: center">2.00%</td> <td style="text-align: center">2.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">5</td> <td style="text-align: center">37.80%</td> <td style="text-align: center">16.20%</td> <td style="text-align: center">5.00%</td> <td style="text-align: center">33.00%</td> <td style="text-align: center">4.00%</td> <td style="text-align: center">4.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">0</td> <td style="text-align: center">31.50%</td> <td style="text-align: center">13.50%</td> <td style="text-align: center">5.00%</td> <td style="text-align: center">38.00%</td> <td style="text-align: center">6.00%</td> <td style="text-align: center">6.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">-5</td> <td style="text-align: center">28.00%</td> <td style="text-align: center">12.00%</td> <td style="text-align: center">5.00%</td> <td style="text-align: center">39.00%</td> <td style="text-align: center">8.00%</td> <td style="text-align: center">8.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">-10</td> <td style="text-align: center">24.50%</td> <td style="text-align: center">10.50%</td> <td style="text-align: center">5.00%</td> <td style="text-align: center">40.00%</td> <td style="text-align: center">10.00%</td> <td style="text-align: center">10.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">-15</td> <td style="text-align: center">22.75%</td> <td style="text-align: center">9.75%</td> <td style="text-align: center">2.50%</td> <td style="text-align: center">40.00%</td> <td style="text-align: center">15.00%</td> <td style="text-align: center">10.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">-20</td> <td style="text-align: center">21.00%</td> <td style="text-align: center">9.00%</td> <td style="text-align: center">0.00%</td> <td style="text-align: center">40.00%</td> <td style="text-align: center">20.00%</td> <td style="text-align: center">10.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">-25</td> <td style="text-align: center">17.50%</td> <td style="text-align: center">7.50%</td> <td style="text-align: center">0.00%</td> <td style="text-align: center">40.00%</td> <td style="text-align: center">25.00%</td> <td style="text-align: center">10.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">-30</td> <td style="text-align: center">14.00%</td> <td style="text-align: center">6.00%</td> <td style="text-align: center">0.00%</td> <td style="text-align: center">40.00%</td> <td style="text-align: center">30.00%</td> <td style="text-align: center">10.00%</td></tr> </table> <br/><p style="font-family:Sans-Serif; font-size:9.5pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt">The Fund is designed to accommodate investors who invest in a fund up to their target retirement date, and plan to make gradual systematic withdrawals in retirement. In addition, investors should note that the Fund will continue to have a significant level of equity exposure up to, through and after its target retirement date, and this exposure could cause significant fluctuations in the value of the Fund depending on the performance of the equity markets generally.</p> <br/><p style="font-family:Sans-Serif; font-size:9.5pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt">After the Fund reaches its final target allocation, the Board of Trustees may authorize the merger of the Fund into another Lifecycle Fund which has also reached its final target allocation or other similar fund designed to maintain a relatively stable asset allocation reflecting the resting point on the glidepath described in the chart above. Fund shareholders will receive prior notice of any such merger. </p> Past performance <p style="font-family:Sans-Serif; font-size:9.5pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt">The following chart and table help illustrate some of the risks of investing in the Fund by showing changes in the Fund&#8217;s performance from year to year. The bar chart shows the annual total returns of the Retirement Class of the Fund, before taxes, in each full calendar year for the last ten years. Because the expenses vary across share classes, the performance of the Retirement Class may vary from the other share classes. Below the bar chart are the best and worst returns of the Retirement Class for a calendar quarter during the full calendar-year periods covered by the bar chart. The performance table following the bar chart shows the Fund&#8217;s average annual total returns for the Retirement, Institutional, Advisor and Premier classes over the applicable one-year, five-year, ten-year and since-inception periods ended December 31, 2018, and how those returns compare to those of a broad-based securities market index and a composite index that represents the market sectors in which the Fund invests across the equity and fixed-income asset classes. After-tax performance is shown only for the Retirement Class shares, and after-tax returns for the other classes of shares will vary from the after-tax returns presented for Retirement Class&#160;shares. </p> <br/><p style="font-family:Sans-Serif; font-size:9.5pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt">The returns shown below reflect previous agreements by Advisors to waive or reimburse the Fund and certain Underlying Funds for certain fees and expenses. Without these waivers and reimbursements, the returns of the Fund would have been lower. Past performance of the Fund (before and after taxes) is not necessarily an indication of how it will perform in the future. The indices listed below are unmanaged, and you cannot invest directly in an index. The returns for the indices reflect no deduction for fees, expenses or taxes.</p> <br/><p style="font-family:Sans-Serif; font-size:9.5pt; font-style:italic; font-weight:normal; text-align:left; text-indent:12.25pt">For current performance information of each share class, including performance to the most recent month-end, please visit www.tiaa.org.</p> ANNUAL TOTAL RETURNS FOR THE RETIREMENT CLASS SHARES (%)&#8224; Lifecycle 2025 Fund 0.2496 0.1388 -0.0156 0.1524 0.1912 0.0456 0.0012 0.0674 0.1706 -0.0635 ~ http://www.TIAA.com/20190926/role/ScheduleAnnualTotalReturnsBarChart20032 column dei_LegalEntityAxis compact cik0001084380_S000005378Member row primary compact * ~ Best quarter: 0.1533 2009-06-30 Worst quarter: -0.1293 2011-09-30 The year-to-date return as of the most recent calendar quarter, which ended on June 30, 2019, was 0.1256 2019-06-30 <p style="font-family:Sans-Serif; font-size:1.0pt; font-style:normal; font-weight:normal; text-align:left"><font style="font-family:Sans-Serif; font-size:8.5pt; font-weight:normal">Best quarter: 15.33%, for the quarter ended June 30, 2009. Worst quarter: -12.93%, for the quarter ended September 30, 2011.</font></p> <p style="font-family:Sans-Serif; font-size:1.0pt; font-style:normal; font-weight:normal; margin-left:09.00pt; text-align:left; text-indent:-09.00pt"><font style="font-family:Sans-Serif; font-size:8.5pt; font-weight:normal"><sup>&#8224;</sup></font><font style="font-family:Sans-Serif; font-size:8.5pt; font-weight:normal"><font style="word-spacing:5.5pt">&#160;</font>The year-to-date return as of the most recent calendar quarter, which ended on June 30, 2019, was 12.56%.</font></p> -0.0635 0.0414 0.0895 -0.0787 0.0256 0.0766 -0.0297 0.0290 0.0703 -0.0605 0.0443 0.0923 -0.0619 0.0427 0.0901 -0.0623 0.0427 0.0904 -0.0502 0.0431 0.0846 -0.0466 0.0471 0.0900 2007-01-17 2009-09-30 2004-10-15 2015-12-04 ~ http://www.TIAA.com/20190926/role/ScheduleAverageAnnualReturnsTransposed20033 column dei_LegalEntityAxis compact cik0001084380_S000005378Member column rr_PerformanceMeasureAxis compact * row primary compact * ~ <p style="font-family: Sans-Serif; font-size: 8.5pt; font-style: italic; font-weight: normal; text-align: left;">Current performance of the Fund&#8217;s shares may be higher or lower than that shown above.</p> <br/><p>After-tax returns are calculated using the historical highest individual federal marginal income tax rates in effect during the periods shown and do not reflect the impact of state and local taxes. Actual after-tax returns depend on the investor&#8217;s tax situation and may differ from those shown. The after-tax returns shown are not relevant to investors who hold their Fund shares through tax-deferred arrangements such as 401(a), 401(k) or 403(b) plans or Individual Retirement Accounts (IRAs). After-tax returns are shown for only one class, and after-tax returns for other classes will vary.<br/>&#160;</p> As of the close of business on December 31, 2018, the Lifecycle 2025 Fund Composite Index consisted of: 42.3% Russell 3000&#174; Index; 32.8% Bloomberg Barclays U.S. Aggregate Bond Index; 18.1% MSCI All Country World Index ex USA Investable Market Index; 3.4% Bloomberg Barclays U.S. 1&#8211;3 Year Government/Credit Bond Index; and 3.4% Bloomberg Barclays U.S. Treasury Inflation Protected Securities (TIPS) 1-10 Year Index. The Fund&#8217;s composite benchmark, the components that make up a composite benchmark and the method of calculating a composite benchmark&#8217;s performance may vary over time. The after-tax returns shown are not relevant to investors who hold their Fund shares through tax-deferred arrangements such as 401(a), 401(k) or 403(b) plans or Individual Retirement Accounts (IRAs). (reflects no deductions for fees, expenses or taxes) After-tax performance is shown only for the Retirement Class shares, and after-tax returns for the other classes of shares will vary from the after-tax returns presented for Retirement Class shares. Past performance of the Fund (before and after taxes) is not necessarily an indication of how it will perform in the future. AVERAGE ANNUAL TOTAL RETURNS For the Periods Ended December 31, 2018 The following chart and table help illustrate some of the risks of investing in the Fund by showing changes in the Fund&#8217;s performance from year to year. After-tax returns are calculated using the historical highest individual federal marginal income tax rates in effect during the periods shown and do not reflect the impact of state and local taxes. www.tiaa.org Example <p style="font-family:Sans-Serif; font-size:1.0pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt"><font style="font-family:Sans-Serif; font-size:9.5pt; font-weight:normal">This example is intended to help you compare the cost of investing in shares of the Fund with the cost of investing in other mutual funds. The example assumes that you invest $10,000 in the Fund for the time periods indicated and then redeem all your shares at the end of those periods. The example also assumes that your investment has a 5% return each year and that the Fund&#8217;s operating expenses, before fee waivers and/or expense reimbursements, remain the same. The example assumes that the Fund&#8217;s fee waiver and/or expense reimbursement arrangements will each remain in place for the durations noted in the table above. Although your actual costs may be higher or lower, based on these assumptions your costs would be: </font></p> 42 50 57 67 134 159 182 213 258 302 341 396 621 719 804 924 ~ http://www.TIAA.com/20190926/role/ScheduleExpenseExample20031 column dei_LegalEntityAxis compact cik0001084380_S000005378Member row primary compact * ~ Portfolio turnover <p style="font-family:Sans-Serif; font-size:9.5pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt">The Fund pays transaction costs, such as commissions, when it buys and sells securities (or &#8220;turns over&#8221; its portfolio). A higher portfolio turnover rate may indicate higher transaction costs and may result in higher taxes when Fund shares are held in a taxable account. These costs, which are not reflected in annual fund operating expenses or in the example, affect the Fund&#8217;s performance. During the fiscal year ended May 31, 2019, the Fund&#8217;s portfolio turnover rate was 20% of the average value of its portfolio.</p> 0.20 Fees and expenses <p style="font-family:Sans-Serif; font-size:9.5pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt">This table describes the fees and expenses that you may pay if you buy and hold shares of the Fund. In addition to the fees and expenses described below, investors may be required to pay a commission to a broker-dealer or other financial intermediary on purchases and sales of Institutional Class or Advisor Class shares of the Fund.</p> 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.0045 0.0045 0.0045 0.0045 0.0015 0.0004 0.0012 0.0004 0.0029 0.0003 0.0003 0.0003 0.0003 0.0052 0.0060 0.0067 0.0077 -0.0011 -0.0011 -0.0011 -0.0011 0.0041 0.0049 0.0056 0.0066 ~ http://www.TIAA.com/20190926/role/ScheduleShareholderFees20029 column dei_LegalEntityAxis compact cik0001084380_S000005378Member row primary compact * ~ ~ http://www.TIAA.com/20190926/role/ScheduleAnnualFundOperatingExpenses20030 column dei_LegalEntityAxis compact cik0001084380_S000005378Member row primary compact * ~ &#8220;Acquired Fund fees and expenses&#8221; are the Fund&#8217;s proportionate amount of the expenses of any investment companies or pools in which it invests (excluding expenses originally incurred by Class W of the Underlying Funds of the Trust that have been incurred directly by the Fund, which are instead reflected in Management fees and Other expenses). These expenses are not paid directly by Fund shareholders. Instead, Fund shareholders bear these expenses indirectly because they reduce Fund performance. Because &#8220;Acquired Fund fees and expenses&#8221; are included in the chart above, the Fund&#8217;s operating expenses here will not correlate with the expenses included in the Financial highlights in this Prospectus and the Fund&#8217;s annual report. 2020-09-30 Restated to reflect estimates for the current fiscal year. SHAREHOLDER FEES (fees paid directly from your investment) ANNUAL FUND OPERATING EXPENSES (expenses that you pay each year as a percentage of the value of your investment) TIAA-CREF Lifecycle 2030 Fund Investment objective <p style="font-family:Sans-Serif; font-size:9.5pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt">The Lifecycle 2030 Fund seeks high total return over time through a combination of capital appreciation and income.</p> Principal investment risks <p style="font-family:Sans-Serif; font-size:1.0pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt"><font style="font-family:Sans-Serif; font-size:9.5pt; font-weight:normal">You could lose money over short or long periods by investing in this Fund. 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text-indent:-09.35pt">100.00%</p></td></tr></table> <br/><p style="font-family:Sans-Serif; font-size:9.5pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt">The following chart shows how the investment glidepath for the Fund is expected to gradually move the Fund&#8217;s target allocations over time between the different target market sector allocations. The actual market sector allocations of the Fund may differ from this chart. The Fund seeks to achieve its final target market sector allocations approximately 30 years following the target&#160;date. </p> <br/><table border="0" cellpadding="0" cellspacing="0" style="width: 100%; border-collapse: collapse; font: 11pt Calibri, Helvetica, Sans-Serif"> <tr style="vertical-align: bottom"> <td colspan="7" style="border-top: Black 0.5pt solid; border-right: black 0.5pt solid; border-bottom: Black 0.5pt solid; border-left: Black 0.5pt solid; text-align: center">Lifecycle Funds Glidepath as of June 30, 2020</td></tr> <tr style="vertical-align: bottom"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1pt solid; text-align: center; width: 16%">Years to Target Retirement Date</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1pt solid; text-align: center; width: 14%">US Equities</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1pt solid; text-align: center; width: 14%">International Equities</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1pt solid; text-align: center; width: 14%">Direct Real Estate</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1pt solid; text-align: center; width: 14%">Fixed Income</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1pt solid; text-align: center; width: 14%">Short Term Fixed Income</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1pt solid; text-align: center; width: 14%">Inflation Protected Bonds</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">45</td> <td style="text-align: center">66.50%</td> <td style="text-align: center">28.50%</td> <td style="text-align: center">5.00%</td> <td style="text-align: center">0.00%</td> <td style="text-align: center">0.00%</td> <td style="text-align: center">0.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">40</td> <td style="text-align: center">65.62%</td> <td style="text-align: center">28.13%</td> <td style="text-align: center">5.00%</td> <td style="text-align: center">1.25%</td> <td style="text-align: center">0.00%</td> <td style="text-align: center">0.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">35</td> <td style="text-align: center">64.75%</td> <td style="text-align: center">27.75%</td> <td style="text-align: center">5.00%</td> <td style="text-align: center">2.50%</td> <td style="text-align: center">0.00%</td> <td style="text-align: center">0.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">30</td> <td style="text-align: center">63.87%</td> <td style="text-align: center">27.38%</td> <td style="text-align: center">5.00%</td> <td style="text-align: center">3.75%</td> <td style="text-align: center">0.00%</td> <td style="text-align: center">0.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">25</td> <td style="text-align: center">63.00%</td> <td style="text-align: center">27.00%</td> <td style="text-align: center">5.00%</td> <td style="text-align: center">5.00%</td> <td style="text-align: center">0.00%</td> <td style="text-align: center">0.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">20</td> <td style="text-align: center">56.70%</td> <td style="text-align: center">24.30%</td> <td style="text-align: center">5.00%</td> <td style="text-align: center">14.00%</td> <td style="text-align: center">0.00%</td> <td style="text-align: center">0.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">15</td> <td style="text-align: center">50.40%</td> <td style="text-align: center">21.60%</td> <td style="text-align: center">5.00%</td> <td style="text-align: center">23.00%</td> <td style="text-align: center">0.00%</td> <td style="text-align: center">0.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">10</td> <td style="text-align: center">44.10%</td> <td style="text-align: center">18.90%</td> <td style="text-align: center">5.00%</td> <td style="text-align: center">28.00%</td> <td style="text-align: center">2.00%</td> <td style="text-align: center">2.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">5</td> <td style="text-align: center">37.80%</td> <td style="text-align: center">16.20%</td> <td style="text-align: center">5.00%</td> <td style="text-align: center">33.00%</td> <td style="text-align: center">4.00%</td> <td style="text-align: center">4.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">0</td> <td style="text-align: center">31.50%</td> <td style="text-align: center">13.50%</td> <td style="text-align: center">5.00%</td> <td style="text-align: center">38.00%</td> <td style="text-align: center">6.00%</td> <td style="text-align: center">6.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">-5</td> <td style="text-align: center">28.00%</td> <td style="text-align: center">12.00%</td> <td style="text-align: center">5.00%</td> <td style="text-align: center">39.00%</td> <td style="text-align: center">8.00%</td> <td style="text-align: center">8.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">-10</td> <td style="text-align: center">24.50%</td> <td style="text-align: center">10.50%</td> <td style="text-align: center">5.00%</td> <td style="text-align: center">40.00%</td> <td style="text-align: center">10.00%</td> <td style="text-align: center">10.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">-15</td> <td style="text-align: center">22.75%</td> <td style="text-align: center">9.75%</td> <td style="text-align: center">2.50%</td> <td style="text-align: center">40.00%</td> <td style="text-align: center">15.00%</td> <td style="text-align: center">10.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">-20</td> <td style="text-align: center">21.00%</td> <td style="text-align: center">9.00%</td> <td style="text-align: center">0.00%</td> <td style="text-align: center">40.00%</td> <td style="text-align: center">20.00%</td> <td style="text-align: center">10.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">-25</td> <td style="text-align: center">17.50%</td> <td style="text-align: center">7.50%</td> <td style="text-align: center">0.00%</td> <td style="text-align: center">40.00%</td> <td style="text-align: center">25.00%</td> <td style="text-align: center">10.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">-30</td> <td style="text-align: center">14.00%</td> <td style="text-align: center">6.00%</td> <td style="text-align: center">0.00%</td> <td style="text-align: center">40.00%</td> <td style="text-align: center">30.00%</td> <td style="text-align: center">10.00%</td></tr> </table> <br/><p style="font-family:Sans-Serif; font-size:9.5pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt">The Fund is designed to accommodate investors who invest in a fund up to their target retirement date, and plan to make gradual systematic withdrawals in retirement. In addition, investors should note that the Fund will continue to have a significant level of equity exposure up to, through and after its target retirement date, and this exposure could cause significant fluctuations in the value of the Fund depending on the performance of the equity markets generally.</p> <br/><p style="font-family:Sans-Serif; font-size:9.5pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt">After the Fund reaches its final target allocation, the Board of Trustees may authorize the merger of the Fund into another Lifecycle Fund which has also reached its final target allocation or other similar fund designed to maintain a relatively stable asset allocation reflecting the resting point on the glidepath described in the chart above. Fund shareholders will receive prior notice of any such merger. </p> Past performance <p style="font-family:Sans-Serif; font-size:9.5pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt">The following chart and table help illustrate some of the risks of investing in the Fund by showing changes in the Fund&#8217;s performance from year to year. The bar chart shows the annual total returns of the Retirement Class of the Fund, before taxes, in each full calendar year for the last ten years. Because the expenses vary across share classes, the performance of the Retirement Class may vary from the other share classes. Below the bar chart are the best and worst returns of the Retirement Class for a calendar quarter during the full calendar-year periods covered by the bar chart. The performance table following the bar chart shows the Fund&#8217;s average annual total returns for the Retirement, Institutional, Advisor and Premier classes over the applicable one-year, five-year, ten-year and since-inception periods ended December 31, 2018, and how those returns compare to those of a broad-based securities market index and a composite index that represents the market sectors in which the Fund invests across the equity and fixed-income asset classes. After-tax performance is shown only for the Retirement Class shares, and after-tax returns for the other classes of shares will vary from the after-tax returns presented for Retirement Class&#160;shares. </p> <br/><p style="font-family:Sans-Serif; font-size:9.5pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt">The returns shown below reflect previous agreements by Advisors to waive or reimburse the Fund and certain Underlying Funds for certain fees and expenses. Without these waivers and reimbursements, the returns of the Fund would have been lower. Past performance of the Fund (before and after taxes) is not necessarily an indication of how it will perform in the future. The indices listed below are unmanaged, and you cannot invest directly in an index. The returns for the indices reflect no deduction for fees, expenses or taxes.</p> <br/><p style="font-family:Sans-Serif; font-size:9.5pt; font-style:italic; font-weight:normal; text-align:left; text-indent:12.25pt">For current performance information of each share class, including performance to the most recent month-end, please visit www.tiaa.org.</p> ANNUAL TOTAL RETURNS FOR THE RETIREMENT CLASS SHARES (%)&#8224; Lifecycle 2030 Fund 0.2670 0.1439 -0.0261 0.1621 0.2184 0.0453 0.0005 0.0707 0.1886 -0.0724 ~ http://www.TIAA.com/20190926/role/ScheduleAnnualTotalReturnsBarChart20039 column dei_LegalEntityAxis compact cik0001084380_S000005379Member row primary compact * ~ Best quarter: 0.1662 2009-06-30 Worst quarter: -0.1458 2011-09-30 The year-to-date return as of the most recent calendar quarter, which ended on June 30, 2019, was 0.1354 2019-06-30 <p style="font-family:Sans-Serif; font-size:1.0pt; font-style:normal; font-weight:normal; text-align:left"><font style="font-family:Sans-Serif; font-size:8.5pt; font-weight:normal">Best quarter: 16.62%, for the quarter ended June 30, 2009. Worst quarter: -14.58%, for the quarter ended September 30, 2011.</font></p> <p style="font-family:Sans-Serif; font-size:1.0pt; font-style:normal; font-weight:normal; margin-left:09.00pt; text-align:left; text-indent:-09.00pt"><font style="font-family:Sans-Serif; font-size:8.5pt; font-weight:normal"><sup>&#8224;</sup></font><font style="font-family:Sans-Serif; font-size:8.5pt; font-weight:normal"><font style="word-spacing:5.5pt">&#160;</font>The year-to-date return as of the most recent calendar quarter, which ended on June 30, 2019, was 13.54%.</font></p> -0.0724 0.0430 0.0945 -0.0873 0.0273 0.0820 -0.0345 0.0306 0.0750 -0.0709 0.0456 0.0973 -0.0714 0.0443 0.0952 -0.0718 0.0442 0.0955 -0.0599 0.0450 0.0896 -0.0535 0.0499 0.0961 2007-01-17 2009-09-30 2015-12-04 2004-10-15 ~ http://www.TIAA.com/20190926/role/ScheduleAverageAnnualReturnsTransposed20040 column dei_LegalEntityAxis compact cik0001084380_S000005379Member column rr_PerformanceMeasureAxis compact * row primary compact * ~ <p style="font-family: Sans-Serif; font-size: 8.5pt; font-style: italic; font-weight: normal; text-align: left;">Current performance of the Fund&#8217;s shares may be higher or lower than that shown above.</p> <br/><p><br/>After-tax returns are calculated using the historical highest individual federal marginal income tax rates in effect during the periods shown and do not reflect the impact of state and local taxes. Actual after-tax returns depend on the investor&#8217;s tax situation and may differ from those shown. The after-tax returns shown are not relevant to investors who hold their Fund shares through tax-deferred arrangements such as 401(a), 401(k) or 403(b) plans or Individual Retirement Accounts (IRAs). After-tax returns are shown for only one class, and after-tax returns for other classes will vary.<br/>&#160;</p> As of the close of business on December 31, 2018, the Lifecycle 2030 Fund Composite Index consisted of: 47.9% Russell 3000&#174; Index; 28.8% Bloomberg Barclays U.S. Aggregate Bond Index; 20.5% MSCI All Country World Index ex USA Investable Market Index; 1.4% Bloomberg Barclays U.S. 1&#8211;3 Year Government/Credit Bond Index; and 1.4% Bloomberg Barclays U.S. Treasury Inflation Protected Securities (TIPS) 1-10 Year Index. The Fund&#8217;s composite benchmark, the components that make up a composite benchmark and the method of calculating a composite benchmark&#8217;s performance may vary over time. The after-tax returns shown are not relevant to investors who hold their Fund shares through tax-deferred arrangements such as 401(a), 401(k) or 403(b) plans or Individual Retirement Accounts (IRAs). (reflects no deductions for fees, expenses or taxes) After-tax performance is shown only for the Retirement Class shares, and after-tax returns for the other classes of shares will vary from the after-tax returns presented for Retirement Class shares. Past performance of the Fund (before and after taxes) is not necessarily an indication of how it will perform in the future. AVERAGE ANNUAL TOTAL RETURNS For the Periods Ended December 31, 2018 The following chart and table help illustrate some of the risks of investing in the Fund by showing changes in the Fund&#8217;s performance from year to year. After-tax returns are calculated using the historical highest individual federal marginal income tax rates in effect during the periods shown and do not reflect the impact of state and local taxes. www.tiaa.org Example <p style="font-family:Sans-Serif; font-size:1.0pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt"><font style="font-family:Sans-Serif; font-size:9.5pt; font-weight:normal">This example is intended to help you compare the cost of investing in shares of the Fund with the cost of investing in other mutual funds. The example assumes that you invest $10,000 in the Fund for the time periods indicated and then redeem all your shares at the end of those periods. The example also assumes that your investment has a 5% return each year and that the Fund&#8217;s operating expenses, before fee waivers and/or expense reimbursements, remain the same. The example assumes that the Fund&#8217;s fee waiver and/or expense reimbursement arrangements will each remain in place for the durations noted in the table above. Although your actual costs may be higher or lower, based on these assumptions your costs would be: </font></p> 43 51 58 68 137 163 185 217 264 308 346 401 634 731 816 936 ~ http://www.TIAA.com/20190926/role/ScheduleExpenseExample20038 column dei_LegalEntityAxis compact cik0001084380_S000005379Member row primary compact * ~ Portfolio turnover <p style="font-family:Sans-Serif; font-size:9.5pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt">The Fund pays transaction costs, such as commissions, when it buys and sells securities (or &#8220;turns over&#8221; its portfolio). A higher portfolio turnover rate may indicate higher transaction costs and may result in higher taxes when Fund shares are held in a taxable account. These costs, which are not reflected in annual fund operating expenses or in the example, affect the Fund&#8217;s performance. During the fiscal year ended May 31, 2019, the Fund&#8217;s portfolio turnover rate was 20% of the average value of its portfolio.</p> 0.20 Fees and expenses <p style="font-family:Sans-Serif; font-size:9.5pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt">This table describes the fees and expenses that you may pay if you buy and hold shares of the Fund. In addition to the fees and expenses described below, investors may be required to pay a commission to a broker-dealer or other financial intermediary on purchases and sales of Institutional Class or Advisor Class shares of the Fund.</p> 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.0047 0.0047 0.0047 0.0047 0.0015 0.0003 0.0011 0.0003 0.0028 0.0003 0.0003 0.0003 0.0003 0.0053 0.0061 0.0068 0.0078 -0.0011 -0.0011 -0.0011 -0.0011 0.0042 0.0050 0.0057 0.0067 ~ http://www.TIAA.com/20190926/role/ScheduleShareholderFees20036 column dei_LegalEntityAxis compact cik0001084380_S000005379Member row primary compact * ~ ~ http://www.TIAA.com/20190926/role/ScheduleAnnualFundOperatingExpenses20037 column dei_LegalEntityAxis compact cik0001084380_S000005379Member row primary compact * ~ &#8220;Acquired Fund fees and expenses&#8221; are the Fund&#8217;s proportionate amount of the expenses of any investment companies or pools in which it invests (excluding expenses originally incurred by Class W of the Underlying Funds of the Trust that have been incurred directly by the Fund, which are instead reflected in Management fees and Other expenses). These expenses are not paid directly by Fund shareholders. Instead, Fund shareholders bear these expenses indirectly because they reduce Fund performance. Because &#8220;Acquired Fund fees and expenses&#8221; are included in the chart above, the Fund&#8217;s operating expenses here will not correlate with the expenses included in the Financial highlights in this Prospectus and the Fund&#8217;s annual report. 2020-09-30 Restated to reflect estimates for the current fiscal year. SHAREHOLDER FEES (fees paid directly from your investment) ANNUAL FUND OPERATING EXPENSES (expenses that you pay each year as a percentage of the value of your investment) TIAA-CREF Lifecycle 2035 Fund Investment objective <p style="font-family:Sans-Serif; font-size:9.5pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt">The Lifecycle 2035 Fund seeks high total return over time through a combination of capital appreciation and income.</p> Principal investment risks <p style="font-family:Sans-Serif; font-size:1.0pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt"><font style="font-family:Sans-Serif; font-size:9.5pt; font-weight:normal">You could lose money over short or long periods by investing in this Fund. 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Equities</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1pt solid; text-align: center; width: 14%">Direct Real Estate</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1pt solid; text-align: center; width: 14%">Fixed Income</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1pt solid; text-align: center; width: 14%">Short Term Fixed Income</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1pt solid; text-align: center; width: 14%">Inflation Protected Bonds</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">45</td> <td style="text-align: center">66.50%</td> <td style="text-align: center">28.50%</td> <td style="text-align: center">5.00%</td> <td style="text-align: center">0.00%</td> <td style="text-align: center">0.00%</td> <td style="text-align: center">0.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">40</td> <td style="text-align: center">65.62%</td> <td style="text-align: center">28.13%</td> <td style="text-align: center">5.00%</td> <td style="text-align: center">1.25%</td> <td style="text-align: center">0.00%</td> <td style="text-align: center">0.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">35</td> <td style="text-align: center">64.75%</td> <td style="text-align: center">27.75%</td> <td style="text-align: center">5.00%</td> <td style="text-align: center">2.50%</td> <td style="text-align: center">0.00%</td> <td style="text-align: center">0.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">30</td> <td style="text-align: center">63.87%</td> <td style="text-align: center">27.38%</td> <td style="text-align: center">5.00%</td> <td style="text-align: center">3.75%</td> <td style="text-align: center">0.00%</td> <td style="text-align: center">0.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">25</td> <td style="text-align: center">63.00%</td> <td style="text-align: center">27.00%</td> <td style="text-align: center">5.00%</td> <td style="text-align: center">5.00%</td> <td style="text-align: center">0.00%</td> <td style="text-align: center">0.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">20</td> <td style="text-align: center">56.70%</td> <td style="text-align: center">24.30%</td> <td style="text-align: center">5.00%</td> <td style="text-align: center">14.00%</td> <td style="text-align: center">0.00%</td> <td style="text-align: center">0.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">15</td> <td style="text-align: center">50.40%</td> <td style="text-align: center">21.60%</td> <td style="text-align: center">5.00%</td> <td style="text-align: center">23.00%</td> <td style="text-align: center">0.00%</td> <td style="text-align: center">0.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">10</td> <td style="text-align: center">44.10%</td> <td style="text-align: center">18.90%</td> <td style="text-align: center">5.00%</td> <td style="text-align: center">28.00%</td> <td style="text-align: center">2.00%</td> <td style="text-align: center">2.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">5</td> <td style="text-align: center">37.80%</td> <td style="text-align: center">16.20%</td> <td style="text-align: center">5.00%</td> <td style="text-align: center">33.00%</td> <td style="text-align: center">4.00%</td> <td style="text-align: center">4.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">0</td> <td style="text-align: center">31.50%</td> <td style="text-align: center">13.50%</td> <td style="text-align: center">5.00%</td> <td style="text-align: center">38.00%</td> <td style="text-align: center">6.00%</td> <td style="text-align: center">6.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">-5</td> <td style="text-align: center">28.00%</td> <td style="text-align: center">12.00%</td> <td style="text-align: center">5.00%</td> <td style="text-align: center">39.00%</td> <td style="text-align: center">8.00%</td> <td style="text-align: center">8.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">-10</td> <td style="text-align: center">24.50%</td> <td style="text-align: center">10.50%</td> <td style="text-align: center">5.00%</td> <td style="text-align: center">40.00%</td> <td style="text-align: center">10.00%</td> <td style="text-align: center">10.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">-15</td> <td style="text-align: center">22.75%</td> <td style="text-align: center">9.75%</td> <td style="text-align: center">2.50%</td> <td style="text-align: center">40.00%</td> <td style="text-align: center">15.00%</td> <td style="text-align: center">10.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">-20</td> <td style="text-align: center">21.00%</td> <td style="text-align: center">9.00%</td> <td style="text-align: center">0.00%</td> <td style="text-align: center">40.00%</td> <td style="text-align: center">20.00%</td> <td style="text-align: center">10.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">-25</td> <td style="text-align: center">17.50%</td> <td style="text-align: center">7.50%</td> <td style="text-align: center">0.00%</td> <td style="text-align: center">40.00%</td> <td style="text-align: center">25.00%</td> <td style="text-align: center">10.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">-30</td> <td style="text-align: center">14.00%</td> <td style="text-align: center">6.00%</td> <td style="text-align: center">0.00%</td> <td style="text-align: center">40.00%</td> <td style="text-align: center">30.00%</td> <td style="text-align: center">10.00%</td></tr> </table> <br/><p style="font-family:Sans-Serif; font-size:9.5pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt">The Fund is designed to accommodate investors who invest in a fund up to their target retirement date, and plan to make gradual systematic withdrawals in retirement. In addition, investors should note that the Fund will continue to have a significant level of equity exposure up to, through and after its target retirement date, and this exposure could cause significant fluctuations in the value of the Fund depending on the performance of the equity markets generally.</p> <br/><p style="font-family:Sans-Serif; font-size:9.5pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt">After the Fund reaches its final target allocation, the Board of Trustees may authorize the merger of the Fund into another Lifecycle Fund which has also reached its final target allocation or other similar fund designed to maintain a relatively stable asset allocation reflecting the resting point on the glidepath described in the chart above. Fund shareholders will receive prior notice of any such merger. </p> Past performance <p style="font-family:Sans-Serif; font-size:9.5pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt">The following chart and table help illustrate some of the risks of investing in the Fund by showing changes in the Fund&#8217;s performance from year to year. The bar chart shows the annual total returns of the Retirement Class of the Fund, before taxes, in each full calendar year for the last ten years. Because the expenses vary across share classes, the performance of the Retirement Class may vary from the other share classes. Below the bar chart are the best and worst returns of the Retirement Class for a calendar quarter during the full calendar-year periods covered by the bar chart. The performance table following the bar chart shows the Fund&#8217;s average annual total returns for the Retirement, Institutional, Advisor and Premier classes over the applicable one-year, five-year, ten-year and since-inception periods ended December 31, 2018, and how those returns compare to those of a broad-based securities market index and a composite index that represents the market sectors in which the Fund invests across the equity and fixed-income asset classes. After-tax performance is shown only for the Retirement Class shares, and after-tax returns for the other classes of shares will vary from the after-tax returns presented for Retirement Class&#160;shares. </p> <br/><p style="font-family:Sans-Serif; font-size:9.5pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt">The returns shown below reflect previous agreements by Advisors to waive or reimburse the Fund and certain Underlying Funds for certain fees and expenses. Without these waivers and reimbursements, the returns of the Fund would have been lower. Past performance of the Fund (before and after taxes) is not necessarily an indication of how it will perform in the future. The indices listed below are unmanaged, and you cannot invest directly in an index. The returns for the indices reflect no deduction for fees, expenses or taxes.</p> <br/><p style="font-family:Sans-Serif; font-size:9.5pt; font-style:italic; font-weight:normal; text-align:left; text-indent:12.25pt">For current performance information of each share class, including performance to the most recent month-end, please visit www.tiaa.org.</p> ANNUAL TOTAL RETURNS FOR THE RETIREMENT CLASS SHARES (%)&#8224; Lifecycle 2035 Fund 0.2830 0.1502 -0.0355 0.1701 0.2440 0.0442 -0.0007 0.0735 0.2076 -0.0822 ~ http://www.TIAA.com/20190926/role/ScheduleAnnualTotalReturnsBarChart20046 column dei_LegalEntityAxis compact cik0001084380_S000005380Member row primary compact * ~ Best quarter: 0.1755 2009-06-30 Worst quarter: -0.1614 2011-09-30 The year-to-date return as of the most recent calendar quarter, which ended on June 30, 2019, was 0.1456 2019-06-30 <p style="font-family:Sans-Serif; font-size:1.0pt; font-style:normal; font-weight:normal; text-align:left"><font style="font-family:Sans-Serif; font-size:8.5pt; font-weight:normal">Best quarter: 17.55%, for the quarter ended June 30, 2009. Worst quarter: -16.14%, for the quarter ended September 30, 2011.</font></p> <p style="font-family:Sans-Serif; font-size:1.0pt; font-style:normal; font-weight:normal; margin-left:09.00pt; text-align:left; text-indent:-09.00pt"><font style="font-family:Sans-Serif; font-size:8.5pt; font-weight:normal"><sup>&#8224;</sup></font><font style="font-family:Sans-Serif; font-size:8.5pt; font-weight:normal"><font style="word-spacing:5.5pt">&#160;</font>The year-to-date return as of the most recent calendar quarter, which ended on June 30, 2019, was 14.56%.</font></p> -0.0822 0.0442 0.0991 -0.0965 0.0287 0.0868 -0.0401 0.0319 0.0793 -0.0804 0.0467 0.1017 -0.0798 0.0456 0.0998 -0.0812 0.0453 0.1002 -0.0688 0.0469 0.0938 -0.0603 0.0523 0.1017 2007-01-17 2004-10-15 2009-09-30 2015-12-04 ~ http://www.TIAA.com/20190926/role/ScheduleAverageAnnualReturnsTransposed20047 column dei_LegalEntityAxis compact cik0001084380_S000005380Member column rr_PerformanceMeasureAxis compact * row primary compact * ~ <p style="font-family: Sans-Serif; font-size: 8.5pt; font-style: italic; font-weight: normal; text-align: left;">Current performance of the Fund&#8217;s shares may be higher or lower than that shown above.</p> <br/><p><br/>&#160;<br/>After-tax returns are calculated using the historical highest individual federal marginal income tax rates in effect during the periods shown and do not reflect the impact of state and local taxes. Actual after-tax returns depend on the investor&#8217;s tax situation and may differ from those shown. The after-tax returns shown are not relevant to investors who hold their Fund shares through tax-deferred arrangements such as 401(a), 401(k) or 403(b) plans or Individual Retirement Accounts (IRAs). After-tax returns are shown for only one class, and after-tax returns for other classes will vary.</p> As of the close of business on December 31, 2018, the Lifecycle 2035 Fund Composite Index consisted of: 53.5% Russell 3000&#174; Index; 23.6% Bloomberg Barclays U.S. Aggregate Bond Index; and 22.9% MSCI All Country World Index ex USA Investable Market Index. The Fund&#8217;s composite benchmark, the components that make up a composite benchmark and the method of calculating a composite benchmark&#8217;s performance may vary over time. The after-tax returns shown are not relevant to investors who hold their Fund shares through tax-deferred arrangements such as 401(a), 401(k) or 403(b) plans or Individual Retirement Accounts (IRAs). (reflects no deductions for fees, expenses or taxes) After-tax performance is shown only for the Retirement Class shares, and after-tax returns for the other classes of shares will vary from the after-tax returns presented for Retirement Class shares. Past performance of the Fund (before and after taxes) is not necessarily an indication of how it will perform in the future. AVERAGE ANNUAL TOTAL RETURNS For the Periods Ended December 31, 2018 The following chart and table help illustrate some of the risks of investing in the Fund by showing changes in the Fund&#8217;s performance from year to year. After-tax returns are calculated using the historical highest individual federal marginal income tax rates in effect during the periods shown and do not reflect the impact of state and local taxes. www.tiaa.org Example <p style="font-family:Sans-Serif; font-size:1.0pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt"><font style="font-family:Sans-Serif; font-size:9.5pt; font-weight:normal">This example is intended to help you compare the cost of investing in shares of the Fund with the cost of investing in other mutual funds. The example assumes that you invest $10,000 in the Fund for the time periods indicated and then redeem all your shares at the end of those periods. The example also assumes that your investment has a 5% return each year and that the Fund&#8217;s operating expenses, before fee waivers and/or expense reimbursements, remain the same. The example assumes that the Fund&#8217;s fee waiver and/or expense reimbursement arrangements will each remain in place for the durations noted in the table above. Although your actual costs may be higher or lower, based on these assumptions your costs would be: </font></p> 44 52 59 69 140 166 188 220 269 313 352 407 646 743 828 947 ~ http://www.TIAA.com/20190926/role/ScheduleExpenseExample20045 column dei_LegalEntityAxis compact cik0001084380_S000005380Member row primary compact * ~ Portfolio turnover <p style="font-family:Sans-Serif; font-size:9.5pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt">The Fund pays transaction costs, such as commissions, when it buys and sells securities (or &#8220;turns over&#8221; its portfolio). A higher portfolio turnover rate may indicate higher transaction costs and may result in higher taxes when Fund shares are held in a taxable account. These costs, which are not reflected in annual fund operating expenses or in the example, affect the Fund&#8217;s performance. During the fiscal year ended May 31, 2019, the Fund&#8217;s portfolio turnover rate was 17% of the average value of its portfolio.</p> 0.17 Fees and expenses <p style="font-family:Sans-Serif; font-size:9.5pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt">This table describes the fees and expenses that you may pay if you buy and hold shares of the Fund. 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These expenses are not paid directly by Fund shareholders. Instead, Fund shareholders bear these expenses indirectly because they reduce Fund performance. Because &#8220;Acquired Fund fees and expenses&#8221; are included in the chart above, the Fund&#8217;s operating expenses here will not correlate with the expenses included in the Financial highlights in this Prospectus and the Fund&#8217;s annual report. 2020-09-30 Restated to reflect estimates for the current fiscal year. SHAREHOLDER FEES (fees paid directly from your investment) ANNUAL FUND OPERATING EXPENSES (expenses that you pay each year as a percentage of the value of your investment) TIAA-CREF Lifecycle 2040 Fund Investment objective <p style="font-family:Sans-Serif; font-size:9.5pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt">The Lifecycle 2040 Fund seeks high total return over time through a combination of capital appreciation and income.</p> Principal investment risks <p style="font-family:Sans-Serif; font-size:1.0pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt"><font style="font-family:Sans-Serif; font-size:9.5pt; font-weight:normal">You could lose money over short or long periods by investing in this Fund. 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The actual market sector allocations of the Fund may differ from this chart. The Fund seeks to achieve its final target market sector allocations approximately 30 years following the target&#160;date. </p> <br/><table border="0" cellpadding="0" cellspacing="0" style="width: 100%; border-collapse: collapse; font: 11pt Calibri, Helvetica, Sans-Serif"> <tr style="vertical-align: bottom"> <td colspan="7" style="border-top: Black 0.5pt solid; border-right: black 0.5pt solid; border-bottom: Black 0.5pt solid; border-left: Black 0.5pt solid; text-align: center">Lifecycle Funds Glidepath as of June 30, 2020</td></tr> <tr style="vertical-align: bottom"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1pt solid; text-align: center; width: 16%">Years to Target Retirement Date</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1pt solid; text-align: center; width: 14%">US Equities</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1pt solid; text-align: center; width: 14%">International 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center">10</td> <td style="text-align: center">44.10%</td> <td style="text-align: center">18.90%</td> <td style="text-align: center">5.00%</td> <td style="text-align: center">28.00%</td> <td style="text-align: center">2.00%</td> <td style="text-align: center">2.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">5</td> <td style="text-align: center">37.80%</td> <td style="text-align: center">16.20%</td> <td style="text-align: center">5.00%</td> <td style="text-align: center">33.00%</td> <td style="text-align: center">4.00%</td> <td style="text-align: center">4.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">0</td> <td style="text-align: center">31.50%</td> <td style="text-align: center">13.50%</td> <td style="text-align: center">5.00%</td> <td style="text-align: center">38.00%</td> <td style="text-align: center">6.00%</td> <td style="text-align: center">6.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">-5</td> <td style="text-align: center">28.00%</td> <td style="text-align: center">12.00%</td> <td style="text-align: center">5.00%</td> <td style="text-align: center">39.00%</td> <td style="text-align: center">8.00%</td> <td style="text-align: center">8.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">-10</td> <td style="text-align: center">24.50%</td> <td style="text-align: center">10.50%</td> <td style="text-align: center">5.00%</td> <td style="text-align: center">40.00%</td> <td style="text-align: center">10.00%</td> <td style="text-align: center">10.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">-15</td> <td style="text-align: center">22.75%</td> <td style="text-align: center">9.75%</td> <td style="text-align: center">2.50%</td> <td style="text-align: center">40.00%</td> <td style="text-align: center">15.00%</td> <td style="text-align: center">10.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">-20</td> <td style="text-align: center">21.00%</td> <td style="text-align: center">9.00%</td> <td style="text-align: center">0.00%</td> <td style="text-align: center">40.00%</td> <td style="text-align: center">20.00%</td> <td style="text-align: center">10.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">-25</td> <td style="text-align: center">17.50%</td> <td style="text-align: center">7.50%</td> <td style="text-align: center">0.00%</td> <td style="text-align: center">40.00%</td> <td style="text-align: center">25.00%</td> <td style="text-align: center">10.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">-30</td> <td style="text-align: center">14.00%</td> <td style="text-align: center">6.00%</td> <td style="text-align: center">0.00%</td> <td style="text-align: center">40.00%</td> <td style="text-align: center">30.00%</td> <td style="text-align: center">10.00%</td></tr> </table> <br/><p style="font-family:Sans-Serif; font-size:9.5pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt">The Fund is designed to accommodate investors who invest in a fund up to their target retirement date, and plan to make gradual systematic withdrawals in retirement. In addition, investors should note that the Fund will continue to have a significant level of equity exposure up to, through and after its target retirement date, and this exposure could cause significant fluctuations in the value of the Fund depending on the performance of the equity markets generally.</p> <br/><p style="font-family:Sans-Serif; font-size:9.5pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt">After the Fund reaches its final target allocation, the Board of Trustees may authorize the merger of the Fund into another Lifecycle Fund which has also reached its final target allocation or other similar fund designed to maintain a relatively stable asset allocation reflecting the resting point on the glidepath described in the chart above. Fund shareholders will receive prior notice of any such merger. </p> Past performance <p style="font-family:Sans-Serif; font-size:9.5pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt">The following chart and table help illustrate some of the risks of investing in the Fund by showing changes in the Fund&#8217;s performance from year to year. The bar chart shows the annual total returns of the Retirement Class of the Fund, before taxes, in each full calendar year for the last ten years. Because the expenses vary across share classes, the performance of the Retirement Class may vary from the other share classes. Below the bar chart are the best and worst returns of the Retirement Class for a calendar quarter during the full calendar-year periods covered by the bar chart. The performance table following the bar chart shows the Fund&#8217;s average annual total returns for the Retirement, Institutional, Advisor and Premier classes over the applicable one-year, five-year, ten-year and since-inception periods ended December 31, 2018, and how those returns compare to those of a broad-based securities market index and a composite index that represents the market sectors in which the Fund invests across the equity and fixed-income asset classes. After-tax performance is shown only for the Retirement Class shares, and after-tax returns for the other classes of shares will vary from the after-tax returns presented for Retirement Class&#160;shares. </p> <br/><p style="font-family:Sans-Serif; font-size:9.5pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt">The returns shown below reflect previous agreements by Advisors to waive or reimburse the Fund and certain Underlying Funds for certain fees and expenses. Without these waivers and reimbursements, the returns of the Fund would have been lower. Past performance of the Fund (before and after taxes) is not necessarily an indication of how it will perform in the future. The indices listed below are unmanaged, and you cannot invest directly in an index. The returns for the indices reflect no deduction for fees, expenses or taxes.</p> <br/><p style="font-family:Sans-Serif; font-size:9.5pt; font-style:italic; font-weight:normal; text-align:left; text-indent:12.25pt">For current performance information of each share class, including performance to the most recent month-end, please visit www.tiaa.org.</p> ANNUAL TOTAL RETURNS FOR THE RETIREMENT CLASS SHARES (%)&#8224; Lifecycle 2040 Fund 0.2839 0.1521 -0.0387 0.1737 0.2585 0.0438 -0.0011 0.0756 0.2249 -0.0917 ~ http://www.TIAA.com/20190926/role/ScheduleAnnualTotalReturnsBarChart20053 column dei_LegalEntityAxis compact cik0001084380_S000005382Member row primary compact * ~ Best quarter: 0.1754 2009-06-30 Worst quarter: -0.1645 2011-09-30 The year-to-date return as of the most recent calendar quarter, which ended on June 30, 2019, was 0.1553 2019-06-30 <p style="font-family:Sans-Serif; font-size:1.0pt; font-style:normal; font-weight:normal; text-align:left"><font style="font-family:Sans-Serif; font-size:8.5pt; font-weight:normal">Best quarter: 17.54%, for the quarter ended June 30, 2009. Worst quarter: -16.45%, for the quarter ended September 30, 2011.</font></p> <p style="font-family:Sans-Serif; font-size:1.0pt; font-style:normal; font-weight:normal; margin-left:09.00pt; text-align:left; text-indent:-09.00pt"><font style="font-family:Sans-Serif; font-size:8.5pt; font-weight:normal"><sup>&#8224;</sup></font><font style="font-family:Sans-Serif; font-size:8.5pt; font-weight:normal"><font style="word-spacing:5.5pt">&#160;</font>The year-to-date return as of the most recent calendar quarter, which ended on June 30, 2019, was 15.53%.</font></p> -0.0917 0.0453 0.1011 -0.1067 0.0295 0.0886 -0.0445 0.0330 0.0813 -0.0892 0.0479 0.1039 -0.0897 0.0466 0.1019 -0.0911 0.0462 0.1022 -0.0741 0.0482 0.0968 -0.0672 0.0545 0.1044 2007-01-17 2015-12-04 2004-10-15 2009-09-30 ~ http://www.TIAA.com/20190926/role/ScheduleAverageAnnualReturnsTransposed20054 column dei_LegalEntityAxis compact cik0001084380_S000005382Member column rr_PerformanceMeasureAxis compact * row primary compact * ~ <p style="font-family: Sans-Serif; font-size: 8.5pt; font-style: italic; font-weight: normal; text-align: left;">Current performance of the Fund&#8217;s shares may be higher or lower than that shown above.</p> <br/><p><br/>After-tax returns are calculated using the historical highest individual federal marginal income tax rates in effect during the periods shown and do not reflect the impact of state and local taxes. Actual after-tax returns depend on the investor&#8217;s tax situation and may differ from those shown. The after-tax returns shown are not relevant to investors who hold their Fund shares through tax-deferred arrangements such as 401(a), 401(k) or 403(b) plans or Individual Retirement Accounts (IRAs). After-tax returns are shown for only one class, and after-tax returns for other classes will vary.</p> As of the close of business on December 31, 2018, the Lifecycle 2040 Fund Composite Index consisted of: 59.1% Russell 3000&#174; Index; 25.3% MSCI All Country World Index ex USA Investable Market Index; and 15.6% Bloomberg Barclays U.S. Aggregate Bond Index. The Fund&#8217;s composite benchmark, the components that make up a composite benchmark and the method of calculating a composite benchmark&#8217;s performance may vary over time. The after-tax returns shown are not relevant to investors who hold their Fund shares through tax-deferred arrangements such as 401(a), 401(k) or 403(b) plans or Individual Retirement Accounts (IRAs). (reflects no deductions for fees, expenses or taxes) After-tax performance is shown only for the Retirement Class shares, and after-tax returns for the other classes of shares will vary from the after-tax returns presented for Retirement Class shares. Past performance of the Fund (before and after taxes) is not necessarily an indication of how it will perform in the future. AVERAGE ANNUAL TOTAL RETURNS For the Periods Ended December 31, 2018 The following chart and table help illustrate some of the risks of investing in the Fund by showing changes in the Fund&#8217;s performance from year to year. After-tax returns are calculated using the historical highest individual federal marginal income tax rates in effect during the periods shown and do not reflect the impact of state and local taxes. www.tiaa.org Example <p style="font-family:Sans-Serif; font-size:1.0pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt"><font style="font-family:Sans-Serif; font-size:9.5pt; font-weight:normal">This example is intended to help you compare the cost of investing in shares of the Fund with the cost of investing in other mutual funds. The example assumes that you invest $10,000 in the Fund for the time periods indicated and then redeem all your shares at the end of those periods. The example also assumes that your investment has a 5% return each year and that the Fund&#8217;s operating expenses, before fee waivers and/or expense reimbursements, remain the same. The example assumes that the Fund&#8217;s fee waiver and/or expense reimbursement arrangements will each remain in place for the durations noted in the table above. Although your actual costs may be higher or lower, based on these assumptions your costs would be: </font></p> 45 53 60 70 143 169 191 223 275 319 357 412 658 755 840 959 ~ http://www.TIAA.com/20190926/role/ScheduleExpenseExample20052 column dei_LegalEntityAxis compact cik0001084380_S000005382Member row primary compact * ~ Portfolio turnover <p style="font-family:Sans-Serif; font-size:9.5pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt">The Fund pays transaction costs, such as commissions, when it buys and sells securities (or &#8220;turns over&#8221; its portfolio). A higher portfolio turnover rate may indicate higher transaction costs and may result in higher taxes when Fund shares are held in a taxable account. These costs, which are not reflected in annual fund operating expenses or in the example, affect the Fund&#8217;s performance. During the fiscal year ended May 31, 2019, the Fund&#8217;s portfolio turnover rate was 18% of the average value of its portfolio.</p> 0.18 Fees and expenses <p style="font-family:Sans-Serif; font-size:9.5pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt">This table describes the fees and expenses that you may pay if you buy and hold shares of the Fund. 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These expenses are not paid directly by Fund shareholders. Instead, Fund shareholders bear these expenses indirectly because they reduce Fund performance. Because &#8220;Acquired Fund fees and expenses&#8221; are included in the chart above, the Fund&#8217;s operating expenses here will not correlate with the expenses included in the Financial highlights in this Prospectus and the Fund&#8217;s annual report. 2020-09-30 Restated to reflect estimates for the current fiscal year. SHAREHOLDER FEES (fees paid directly from your investment) ANNUAL FUND OPERATING EXPENSES (expenses that you pay each year as a percentage of the value of your investment) TIAA-CREF Lifecycle 2045 Fund Investment objective <p style="font-family:Sans-Serif; font-size:9.5pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt">The Lifecycle 2045 Fund seeks high total return over time through a combination of capital appreciation and income.</p> Principal investment risks <p style="font-family:Sans-Serif; font-size:1.0pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt"><font style="font-family:Sans-Serif; font-size:9.5pt; font-weight:normal">You could lose money over short or long periods by investing in this Fund. 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The actual market sector allocations of the Fund may differ from this chart. The Fund seeks to achieve its final target market sector allocations approximately 30 years following the target&#160;date. </p> <br/><table border="0" cellpadding="0" cellspacing="0" style="width: 100%; border-collapse: collapse; font: 11pt Calibri, Helvetica, Sans-Serif"> <tr style="vertical-align: bottom"> <td colspan="7" style="border-top: Black 0.5pt solid; border-right: black 0.5pt solid; border-bottom: Black 0.5pt solid; border-left: Black 0.5pt solid; text-align: center">Lifecycle Funds Glidepath as of June 30, 2020</td></tr> <tr style="vertical-align: bottom"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1pt solid; text-align: center; width: 16%">Years to Target Retirement Date</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1pt solid; text-align: center; width: 14%">US Equities</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1pt solid; text-align: center; width: 14%">International 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style="text-align: center">65.62%</td> <td style="text-align: center">28.13%</td> <td style="text-align: center">5.00%</td> <td style="text-align: center">1.25%</td> <td style="text-align: center">0.00%</td> <td style="text-align: center">0.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">35</td> <td style="text-align: center">64.75%</td> <td style="text-align: center">27.75%</td> <td style="text-align: center">5.00%</td> <td style="text-align: center">2.50%</td> <td style="text-align: center">0.00%</td> <td style="text-align: center">0.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">30</td> <td style="text-align: center">63.87%</td> <td style="text-align: center">27.38%</td> <td style="text-align: center">5.00%</td> <td style="text-align: center">3.75%</td> <td style="text-align: center">0.00%</td> <td style="text-align: center">0.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">25</td> 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center">10</td> <td style="text-align: center">44.10%</td> <td style="text-align: center">18.90%</td> <td style="text-align: center">5.00%</td> <td style="text-align: center">28.00%</td> <td style="text-align: center">2.00%</td> <td style="text-align: center">2.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">5</td> <td style="text-align: center">37.80%</td> <td style="text-align: center">16.20%</td> <td style="text-align: center">5.00%</td> <td style="text-align: center">33.00%</td> <td style="text-align: center">4.00%</td> <td style="text-align: center">4.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">0</td> <td style="text-align: center">31.50%</td> <td style="text-align: center">13.50%</td> <td style="text-align: center">5.00%</td> <td style="text-align: center">38.00%</td> <td style="text-align: center">6.00%</td> <td style="text-align: center">6.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">-5</td> <td style="text-align: center">28.00%</td> <td style="text-align: center">12.00%</td> <td style="text-align: center">5.00%</td> <td style="text-align: center">39.00%</td> <td style="text-align: center">8.00%</td> <td style="text-align: center">8.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">-10</td> <td style="text-align: center">24.50%</td> <td style="text-align: center">10.50%</td> <td style="text-align: center">5.00%</td> <td style="text-align: center">40.00%</td> <td style="text-align: center">10.00%</td> <td style="text-align: center">10.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">-15</td> <td style="text-align: center">22.75%</td> <td style="text-align: center">9.75%</td> <td style="text-align: center">2.50%</td> <td style="text-align: center">40.00%</td> <td style="text-align: center">15.00%</td> <td style="text-align: center">10.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">-20</td> <td style="text-align: center">21.00%</td> <td style="text-align: center">9.00%</td> <td style="text-align: center">0.00%</td> <td style="text-align: center">40.00%</td> <td style="text-align: center">20.00%</td> <td style="text-align: center">10.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">-25</td> <td style="text-align: center">17.50%</td> <td style="text-align: center">7.50%</td> <td style="text-align: center">0.00%</td> <td style="text-align: center">40.00%</td> <td style="text-align: center">25.00%</td> <td style="text-align: center">10.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">-30</td> <td style="text-align: center">14.00%</td> <td style="text-align: center">6.00%</td> <td style="text-align: center">0.00%</td> <td style="text-align: center">40.00%</td> <td style="text-align: center">30.00%</td> <td style="text-align: center">10.00%</td></tr> </table> <br/><p style="font-family:Sans-Serif; font-size:9.5pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt">The Fund is designed to accommodate investors who invest in a fund up to their target retirement date, and plan to make gradual systematic withdrawals in retirement. In addition, investors should note that the Fund will continue to have a significant level of equity exposure up to, through and after its target retirement date, and this exposure could cause significant fluctuations in the value of the Fund depending on the performance of the equity markets generally.</p> <br/><p style="font-family:Sans-Serif; font-size:9.5pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt">After the Fund reaches its final target allocation, the Board of Trustees may authorize the merger of the Fund into another Lifecycle Fund which has also reached its final target allocation or other similar fund designed to maintain a relatively stable asset allocation reflecting the resting point on the glidepath described in the chart above. Fund shareholders will receive prior notice of any such merger. </p> Past performance <p style="font-family:Sans-Serif; font-size:9.5pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt">The following chart and table help illustrate some of the risks of investing in the Fund by showing changes in the Fund&#8217;s performance from year to year. The bar chart shows the annual total returns of the Retirement Class of the Fund, before taxes, in each full calendar year for the last ten years. Because the expenses vary across share classes, the performance of the Retirement Class may vary from the other share classes. Below the bar chart are the best and worst returns of the Retirement Class for a calendar quarter during the full calendar-year periods covered by the bar chart. The performance table following the bar chart shows the Fund&#8217;s average annual total returns for the Retirement, Institutional, Advisor and Premier classes over the applicable one-year, five-year, ten-year and since-inception periods ended December 31, 2018, and how those returns compare to those of a broad-based securities market index and a composite index that represents the market sectors in which the Fund invests across the equity and fixed-income asset classes. After-tax performance is shown only for the Retirement Class shares, and after-tax returns for the other classes of shares will vary from the after-tax returns presented for Retirement Class&#160;shares. </p> <br/><p style="font-family:Sans-Serif; font-size:9.5pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt">The returns shown below reflect previous agreements by Advisors to waive or reimburse the Fund and certain Underlying Funds for certain fees and expenses. Without these waivers and reimbursements, the returns of the Fund would have been lower. Past performance of the Fund (before and after taxes) is not necessarily an indication of how it will perform in the future. The indices listed below are unmanaged, and you cannot invest directly in an index. The returns for the indices reflect no deduction for fees, expenses or taxes.</p> <br/><p style="font-family:Sans-Serif; font-size:9.5pt; font-style:italic; font-weight:normal; text-align:left; text-indent:12.25pt">For current performance information of each share class, including performance to the most recent month-end, please visit www.tiaa.org.</p> ANNUAL TOTAL RETURNS FOR THE RETIREMENT CLASS SHARES (%)&#8224; Lifecycle 2045 Fund 0.2828 0.1510 -0.0388 0.1726 0.2598 0.0428 -0.0012 0.0777 0.2341 -0.0990 ~ http://www.TIAA.com/20190926/role/ScheduleAnnualTotalReturnsBarChart20060 column dei_LegalEntityAxis compact cik0001084380_S000019659Member row primary compact * ~ Best quarter: 0.1733 2009-06-30 Worst quarter: -0.1644 2011-09-30 The year-to-date return as of the most recent calendar quarter, which ended on June 30, 2019, was 0.1614 2019-06-30 <p style="font-family:Sans-Serif; font-size:1.0pt; font-style:normal; font-weight:normal; text-align:left"><font style="font-family:Sans-Serif; font-size:8.5pt; font-weight:normal">Best quarter: 17.33%, for the quarter ended June 30, 2009. Worst quarter: -16.44%, for the quarter ended September 30, 2011.</font></p> <p style="font-family:Sans-Serif; font-size:1.0pt; font-style:normal; font-weight:normal; margin-left:09.00pt; text-align:left; text-indent:-09.00pt"><font style="font-family:Sans-Serif; font-size:8.5pt; font-weight:normal"><sup>&#8224;</sup></font><font style="font-family:Sans-Serif; font-size:8.5pt; font-weight:normal"><font style="word-spacing:5.5pt">&#160;</font>The year-to-date return as of the most recent calendar quarter, which ended on June 30, 2019, was 16.14%.</font></p> -0.0990 0.0453 0.1010 -0.1105 0.0329 0.0912 -0.0520 0.0330 0.0811 -0.0959 0.0481 0.1038 -0.0967 0.0468 0.1018 -0.0978 0.0465 0.1021 -0.0774 0.0491 0.0988 -0.0727 0.0553 0.1049 2007-11-30 2009-09-30 2015-12-04 2007-11-30 ~ http://www.TIAA.com/20190926/role/ScheduleAverageAnnualReturnsTransposed20061 column dei_LegalEntityAxis compact cik0001084380_S000019659Member column rr_PerformanceMeasureAxis compact * row primary compact * ~ <p style="font-family: Sans-Serif; font-size: 8.5pt; font-style: italic; font-weight: normal; text-align: left;">Current performance of the Fund&#8217;s shares may be higher or lower than that shown above.</p> <br/><p>After-tax returns are calculated using the historical highest individual federal marginal income tax rates in effect during the periods shown and do not reflect the impact of state and local taxes. Actual after-tax returns depend on the investor&#8217;s tax situation and may differ from those shown. The after-tax returns shown are not relevant to investors who hold their Fund shares through tax-deferred arrangements such as 401(a), 401(k) or 403(b) plans or Individual Retirement Accounts (IRAs). After-tax returns are shown for only one class, and after-tax returns for other classes will vary.</p> As of the close of business on December 31, 2018, the Lifecycle 2045 Fund Composite Index consisted of: 63.3% Russell 3000&#174; Index; 27.1% MSCI All Country World Index ex USA Investable Market Index; and 9.6% Bloomberg Barclays U.S. Aggregate Bond Index. The Fund&#8217;s composite benchmark, the components that make up a composite benchmark and the method of calculating a composite benchmark&#8217;s performance may vary over time. The after-tax returns shown are not relevant to investors who hold their Fund shares through tax-deferred arrangements such as 401(a), 401(k) or 403(b) plans or Individual Retirement Accounts (IRAs). (reflects no deductions for fees, expenses or taxes) After-tax performance is shown only for the Retirement Class shares, and after-tax returns for the other classes of shares will vary from the after-tax returns presented for Retirement Class shares. Past performance of the Fund (before and after taxes) is not necessarily an indication of how it will perform in the future. AVERAGE ANNUAL TOTAL RETURNS For the Periods Ended December 31, 2018 The following chart and table help illustrate some of the risks of investing in the Fund by showing changes in the Fund&#8217;s performance from year to year. After-tax returns are calculated using the historical highest individual federal marginal income tax rates in effect during the periods shown and do not reflect the impact of state and local taxes. www.tiaa.org Example <p style="font-family:Sans-Serif; font-size:1.0pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt"><font style="font-family:Sans-Serif; font-size:9.5pt; font-weight:normal">This example is intended to help you compare the cost of investing in shares of the Fund with the cost of investing in other mutual funds. The example assumes that you invest $10,000 in the Fund for the time periods indicated and then redeem all your shares at the end of those periods. The example also assumes that your investment has a 5% return each year and that the Fund&#8217;s operating expenses, before fee waivers and/or expense reimbursements, remain the same. The example assumes that the Fund&#8217;s fee waiver and/or expense reimbursement arrangements will each remain in place for the durations noted in the table above. Although your actual costs may be higher or lower, based on these assumptions your costs would be: </font></p> 46 54 61 72 147 172 194 226 280 324 363 418 670 767 852 971 ~ http://www.TIAA.com/20190926/role/ScheduleExpenseExample20059 column dei_LegalEntityAxis compact cik0001084380_S000019659Member row primary compact * ~ Portfolio turnover <p style="font-family:Sans-Serif; font-size:9.5pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt">The Fund pays transaction costs, such as commissions, when it buys and sells securities (or &#8220;turns over&#8221; its portfolio). A higher portfolio turnover rate may indicate higher transaction costs and may result in higher taxes when Fund shares are held in a taxable account. These costs, which are not reflected in annual fund operating expenses or in the example, affect the Fund&#8217;s performance. During the fiscal year ended May 31, 2019, the Fund&#8217;s portfolio turnover rate was 13% of the average value of its portfolio.</p> 0.13 Fees and expenses <p style="font-family:Sans-Serif; font-size:9.5pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt">This table describes the fees and expenses that you may pay if you buy and hold shares of the Fund. 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These expenses are not paid directly by Fund shareholders. Instead, Fund shareholders bear these expenses indirectly because they reduce Fund performance. Because &#8220;Acquired Fund fees and expenses&#8221; are included in the chart above, the Fund&#8217;s operating expenses here will not correlate with the expenses included in the Financial highlights in this Prospectus and the Fund&#8217;s annual report. 2020-09-30 Restated to reflect estimates for the current fiscal year. SHAREHOLDER FEES (fees paid directly from your investment) ANNUAL FUND OPERATING EXPENSES (expenses that you pay each year as a percentage of the value of your investment) TIAA-CREF Lifecycle 2050 Fund Investment objective <p style="font-family:Sans-Serif; font-size:9.5pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt">The Lifecycle 2050 Fund seeks high total return over time through a combination of capital appreciation and income.</p> Principal investment risks <p style="font-family:Sans-Serif; font-size:1.0pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt"><font style="font-family:Sans-Serif; font-size:9.5pt; font-weight:normal">You could lose money over short or long periods by investing in this Fund. 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There can be no guarantee that any Underlying Fund will achieve its investment objective.</p> <br/><p style="font-family:Sans-Serif; font-size:9.5pt; font-style:italic; font-weight:normal; text-align:left; text-indent:12.25pt">There can be no assurances that the Fund will achieve its investment objective. You should not consider the Fund to be a complete investment program. Please see the non-summary portion of the Prospectus for more detailed information about the risks described above, including the risks of the Underlying Funds.</p> You could lose money over short or long periods by investing in this Fund. Principal investment strategies <p style="font-family:Sans-Serif; font-size:9.5pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt">The Fund is a &#8220;fund of funds&#8221; that invests in Class W shares of other funds of the Trust and in other investment pools or investment products, potentially including other funds advised by the Fund&#8217;s investment adviser, Teachers Advisors, LLC (&#8220;Advisors&#8221;), or its affiliates (collectively, the &#8220;Underlying Funds&#8221;). In general, the Fund is designed for investors who have an approximate target retirement year in mind, and the Fund&#8217;s investments are adjusted from more aggressive to more conservative over time as the Fund&#8217;s target retirement year approaches and for approximately 30 years afterwards. The Fund invests in Underlying Funds according to an asset allocation strategy designed for investors retiring in, or planning to retire within a few years of, 2050 and who may begin taking systematic withdrawals upon retirement. </p> <br/><p style="font-family:Sans-Serif; font-size:9.5pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt">Advisors currently expects to allocate approximately 91.25% <font style="font-family:Sans-Serif; font-weight:normal">of the Fund&#8217;s assets to equity Underlying Funds</font>, 3.75% of its assets to fixed-income Underlying Funds and 5.00% of its assets to direct real estate Underlying Funds. These allocations represent targets for equity, fixed-income and direct real estate asset classes. Target allocations will change over time and actual allocations may vary up to ten percentage points from the targets. The target allocations along the investment glidepath, illustrated in the chart below, gradually become more conservative, moving to target allocations of approximately 45.00% equity/50.00% fixed-income/5.00% direct real estate in the Fund&#8217;s target retirement year of 2050 and reaching the Fund&#8217;s final target allocation of approximately 20.00% equity/80.00% fixed-income/0.00% direct real estate in 2080. Within the equity, fixed-income and direct real estate asset classes, Advisors allocates the Fund&#8217;s investments to particular market sectors (U.S. equity, international equity, fixed-income, short-term fixed-income, inflation-protected assets and direct real estate) represented by various Underlying Funds. These market sector allocations may vary by up to&#160;10% from the Fund&#8217;s target market sector allocations. The Fund&#8217;s current target market sector allocations for June 30, 2020, which will change over time, are approximately as follows: U.S. Equity: 63.87%; International Equity: 27.38%; Fixed-Income: 3.75%; Short-Term Fixed-Income: 0.00%; Inflation-Protected Assets: 0.00%; and Direct Real Estate: 5.00%. 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The actual market sector allocations of the Fund may differ from this chart. The Fund seeks to achieve its final target market sector allocations approximately 30 years following the target&#160;date. </p> <br/><table border="0" cellpadding="0" cellspacing="0" style="width: 100%; border-collapse: collapse; font: 11pt Calibri, Helvetica, Sans-Serif"> <tr style="vertical-align: bottom"> <td colspan="7" style="border-top: Black 0.5pt solid; border-right: black 0.5pt solid; border-bottom: Black 0.5pt solid; border-left: Black 0.5pt solid; text-align: center">Lifecycle Funds Glidepath as of June 30, 2020</td></tr> <tr style="vertical-align: bottom"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1pt solid; text-align: center; width: 16%">Years to Target Retirement Date</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1pt solid; text-align: center; width: 14%">US Equities</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1pt solid; text-align: center; width: 14%">International 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style="text-align: center">65.62%</td> <td style="text-align: center">28.13%</td> <td style="text-align: center">5.00%</td> <td style="text-align: center">1.25%</td> <td style="text-align: center">0.00%</td> <td style="text-align: center">0.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">35</td> <td style="text-align: center">64.75%</td> <td style="text-align: center">27.75%</td> <td style="text-align: center">5.00%</td> <td style="text-align: center">2.50%</td> <td style="text-align: center">0.00%</td> <td style="text-align: center">0.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">30</td> <td style="text-align: center">63.87%</td> <td style="text-align: center">27.38%</td> <td style="text-align: center">5.00%</td> <td style="text-align: center">3.75%</td> <td style="text-align: center">0.00%</td> <td style="text-align: center">0.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">25</td> 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center">10</td> <td style="text-align: center">44.10%</td> <td style="text-align: center">18.90%</td> <td style="text-align: center">5.00%</td> <td style="text-align: center">28.00%</td> <td style="text-align: center">2.00%</td> <td style="text-align: center">2.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">5</td> <td style="text-align: center">37.80%</td> <td style="text-align: center">16.20%</td> <td style="text-align: center">5.00%</td> <td style="text-align: center">33.00%</td> <td style="text-align: center">4.00%</td> <td style="text-align: center">4.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">0</td> <td style="text-align: center">31.50%</td> <td style="text-align: center">13.50%</td> <td style="text-align: center">5.00%</td> <td style="text-align: center">38.00%</td> <td style="text-align: center">6.00%</td> <td style="text-align: center">6.00%</td></tr> <tr style="vertical-align: bottom"> <td 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bottom"> <td style="text-align: center">-20</td> <td style="text-align: center">21.00%</td> <td style="text-align: center">9.00%</td> <td style="text-align: center">0.00%</td> <td style="text-align: center">40.00%</td> <td style="text-align: center">20.00%</td> <td style="text-align: center">10.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">-25</td> <td style="text-align: center">17.50%</td> <td style="text-align: center">7.50%</td> <td style="text-align: center">0.00%</td> <td style="text-align: center">40.00%</td> <td style="text-align: center">25.00%</td> <td style="text-align: center">10.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">-30</td> <td style="text-align: center">14.00%</td> <td style="text-align: center">6.00%</td> <td style="text-align: center">0.00%</td> <td style="text-align: center">40.00%</td> <td style="text-align: center">30.00%</td> <td style="text-align: center">10.00%</td></tr> </table> <br/><p style="font-family:Sans-Serif; font-size:9.5pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt">The Fund is designed to accommodate investors who invest in a fund up to their target retirement date, and plan to make gradual systematic withdrawals in retirement. In addition, investors should note that the Fund will continue to have a significant level of equity exposure up to, through and after its target retirement date, and this exposure could cause significant fluctuations in the value of the Fund depending on the performance of the equity markets generally.</p> <br/><p style="font-family:Sans-Serif; font-size:9.5pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt">After the Fund reaches its final target allocation, the Board of Trustees may authorize the merger of the Fund into another Lifecycle Fund which has also reached its final target allocation or other similar fund designed to maintain a relatively stable asset allocation reflecting the resting point on the glidepath described in the chart above. Fund shareholders will receive prior notice of any such merger. </p> Past performance <p style="font-family:Sans-Serif; font-size:9.5pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt">The following chart and table help illustrate some of the risks of investing in the Fund by showing changes in the Fund&#8217;s performance from year to year. The bar chart shows the annual total returns of the Retirement Class of the Fund, before taxes, in each full calendar year for the last ten years. Because the expenses vary across share classes, the performance of the Retirement Class may vary from the other share classes. Below the bar chart are the best and worst returns of the Retirement Class for a calendar quarter during the full calendar-year periods covered by the bar chart. The performance table following the bar chart shows the Fund&#8217;s average annual total returns for the Retirement, Institutional, Advisor and Premier classes over the applicable one-year, five-year, ten-year and since-inception periods ended December 31, 2018, and how those returns compare to those of a broad-based securities market index and a composite index that represents the market sectors in which the Fund invests across the equity and fixed-income asset classes. After-tax performance is shown only for the Retirement Class shares, and after-tax returns for the other classes of shares will vary from the after-tax returns presented for Retirement Class&#160;shares. </p> <br/><p style="font-family:Sans-Serif; font-size:9.5pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt">The returns shown below reflect previous agreements by Advisors to waive or reimburse the Fund and certain Underlying Funds for certain fees and expenses. Without these waivers and reimbursements, the returns of the Fund would have been lower. Past performance of the Fund (before and after taxes) is not necessarily an indication of how it will perform in the future. The indices listed below are unmanaged, and you cannot invest directly in an index. The returns for the indices reflect no deduction for fees, expenses or taxes.</p> <br/><p style="font-family:Sans-Serif; font-size:9.5pt; font-style:italic; font-weight:normal; text-align:left; text-indent:12.25pt">For current performance information of each share class, including performance to the most recent month-end, please visit www.tiaa.org.</p> ANNUAL TOTAL RETURNS FOR THE RETIREMENT CLASS SHARES (%)&#8224; Lifecycle 2050 Fund 0.2805 0.1503 -0.0380 0.1724 0.2598 0.0426 -0.0006 0.0791 0.2362 -0.0998 ~ http://www.TIAA.com/20190926/role/ScheduleAnnualTotalReturnsBarChart20067 column dei_LegalEntityAxis compact cik0001084380_S000019660Member row primary compact * ~ Best quarter: 0.1730 2009-06-30 Worst quarter: -0.1640 2011-09-30 The year-to-date return as of the most recent calendar quarter, which ended on June 30, 2019, was 0.1625 2019-06-30 <p style="font-family:Sans-Serif; font-size:1.0pt; font-style:normal; font-weight:normal; text-align:left"><font style="font-family:Sans-Serif; font-size:8.5pt; font-weight:normal">Best quarter: 17.30%, for the quarter ended June 30, 2009. Worst quarter: -16.40%, for the quarter ended September 30, 2011.</font></p> <p style="font-family:Sans-Serif; font-size:1.0pt; font-style:normal; font-weight:normal; margin-left:09.00pt; text-align:left; text-indent:-09.00pt"><font style="font-family:Sans-Serif; font-size:8.5pt; font-weight:normal"><sup>&#8224;</sup></font><font style="font-family:Sans-Serif; font-size:8.5pt; font-weight:normal"><font style="word-spacing:5.5pt">&#160;</font>The year-to-date return as of the most recent calendar quarter, which ended on June 30, 2019, was 16.25%.</font></p> -0.0998 0.0459 0.1011 -0.1110 0.0337 0.0913 -0.0525 0.0335 0.0813 -0.0982 0.0485 0.1037 -0.0983 0.0472 0.1017 -0.0993 0.0470 0.1020 -0.0794 0.0501 0.1002 -0.0738 0.0559 0.1052 2009-09-30 2015-12-04 2007-11-30 2007-11-30 ~ http://www.TIAA.com/20190926/role/ScheduleAverageAnnualReturnsTransposed20068 column dei_LegalEntityAxis compact cik0001084380_S000019660Member column rr_PerformanceMeasureAxis compact * row primary compact * ~ <p style="font-family: Sans-Serif; font-size: 8.5pt; font-style: italic; font-weight: normal; text-align: left;">Current performance of the Fund&#8217;s shares may be higher or lower than that shown above.</p> <br/><p>After-tax returns are calculated using the historical highest individual federal marginal income tax rates in effect during the periods shown and do not reflect the impact of state and local taxes. Actual after-tax returns depend on the investor&#8217;s tax situation and may differ from those shown. The after-tax returns shown are not relevant to investors who hold their Fund shares through tax-deferred arrangements such as 401(a), 401(k) or 403(b) plans or Individual Retirement Accounts (IRAs). After-tax returns are shown for only one class, and after-tax returns for other classes will vary.</p> As of the close of business on December 31, 2018, the Lifecycle 2050 Fund Composite Index consisted of: 64.1% Russell 3000&#174; Index; 27.5% MSCI All Country World Index ex USA Investable Market Index; and 8.4% Bloomberg Barclays U.S. Aggregate Bond Index. The Fund&#8217;s composite benchmark, the components that make up a composite benchmark and the method of calculating a composite benchmark&#8217;s performance may vary over time. The after-tax returns shown are not relevant to investors who hold their Fund shares through tax-deferred arrangements such as 401(a), 401(k) or 403(b) plans or Individual Retirement Accounts (IRAs). (reflects no deductions for fees, expenses or taxes) After-tax performance is shown only for the Retirement Class shares, and after-tax returns for the other classes of shares will vary from the after-tax returns presented for Retirement Class shares. Past performance of the Fund (before and after taxes) is not necessarily an indication of how it will perform in the future. AVERAGE ANNUAL TOTAL RETURNS For the Periods Ended December 31, 2018 The following chart and table help illustrate some of the risks of investing in the Fund by showing changes in the Fund&#8217;s performance from year to year. 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SHAREHOLDER FEES (fees paid directly from your investment) ANNUAL FUND OPERATING EXPENSES (expenses that you pay each year as a percentage of the value of your investment) TIAA-CREF Lifecycle 2055 Fund Investment objective <p style="font-family:Sans-Serif; font-size:9.5pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt">The Lifecycle 2055 Fund seeks high total return over time through a combination of capital appreciation and income.</p> Principal investment risks <p style="font-family:Sans-Serif; font-size:1.0pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt"><font style="font-family:Sans-Serif; font-size:9.5pt; font-weight:normal">You could lose money over short or long periods by investing in this Fund. 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The target allocations along the investment glidepath, illustrated in the chart below, gradually become more conservative, moving to target allocations of approximately 45.00% equity/50.00% fixed-income/5.00% direct real estate in the Fund&#8217;s target retirement year of 2055 and reaching the Fund&#8217;s final target allocation of approximately 20.00% equity/80.00% fixed-income/0.00% direct real estate in 2085. Within the equity, fixed-income and direct real estate asset classes, Advisors allocates the Fund&#8217;s investments to particular market sectors (U.S. equity, international equity, fixed-income, short-term fixed-income, inflation-protected assets and direct real estate) represented by various Underlying Funds. These market sector allocations may vary by up to 10% from the Fund&#8217;s target market sector allocations. 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font-size:8.5pt; font-style:normal; font-weight:normal; margin-left:09.35pt; text-align:right; text-indent:-09.35pt">4.60%</p></td></tr></table> <br/><table cellpadding="0" cellspacing="0" style="clear:both" width="100%"><tr style="font-size:1pt"><td style="width:12.33%">&#160;</td><td style="width:10.01%">&#160;</td><td style="width:.88%">&#160;</td><td style="width:17.65%">&#160;</td><td style="width:10.01%">&#160;</td><td style="width:.88%">&#160;</td><td style="width:38.23%">&#160;</td><td style="width:10.01%">&#160;</td></tr><tr><td style="border-bottom:0.5pt; border-bottom-color:#000000; border-bottom-style:solid; border-top:0.5pt; border-top-color:#000000; border-top-style:solid; vertical-align:bottom"><p style="font-family:Sans-Serif; font-size:8.5pt; font-style:normal; font-weight:bold; margin-left:09.35pt; text-align:left; text-indent:-09.35pt">Total</p></td><td style="border-bottom:0.5pt; border-bottom-color:#000000; border-bottom-style:solid; border-top:0.5pt; border-top-color:#000000; border-top-style:solid; vertical-align:bottom"><p style="font-family:Sans-Serif; font-size:8.5pt; font-style:normal; font-weight:normal; text-align:right">100.00%</p></td><td style="border-bottom:0.5pt; border-bottom-color:#000000; border-bottom-style:solid; border-top:0.5pt; border-top-color:#000000; border-top-style:solid; font-size:1pt; vertical-align:bottom">&#160;</td><td style="border-bottom:0.5pt; border-bottom-color:#000000; border-bottom-style:solid; border-top:0.5pt; border-top-color:#000000; border-top-style:solid; font-size:1pt; vertical-align:bottom">&#160;</td><td style="border-bottom:0.5pt; border-bottom-color:#000000; border-bottom-style:solid; border-top:0.5pt; border-top-color:#000000; border-top-style:solid; vertical-align:bottom"><p style="font-family:Sans-Serif; font-size:8.5pt; font-style:normal; font-weight:normal; margin-left:09.35pt; text-align:right; text-indent:-09.35pt">100.00%</p></td><td style="border-bottom:0.5pt; border-bottom-color:#000000; border-bottom-style:solid; border-top:0.5pt; border-top-color:#000000; border-top-style:solid; font-size:1pt; vertical-align:bottom">&#160;</td><td style="border-bottom:0.5pt; border-bottom-color:#000000; border-bottom-style:solid; border-top:0.5pt; border-top-color:#000000; border-top-style:solid; font-size:1pt; vertical-align:bottom">&#160;</td><td style="border-bottom:0.5pt; border-bottom-color:#000000; border-bottom-style:solid; border-top:0.5pt; border-top-color:#000000; border-top-style:solid; vertical-align:bottom"><p style="font-family:Sans-Serif; font-size:8.5pt; font-style:normal; font-weight:normal; margin-left:09.35pt; text-align:right; text-indent:-09.35pt">100.00%</p></td></tr></table> <br/><p style="font-family:Sans-Serif; font-size:9.5pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt">The following chart shows how the investment glidepath for the Fund is expected to gradually move the Fund&#8217;s target allocations over time between the different target market sector allocations. The actual market sector allocations of the Fund may differ from this chart. The Fund seeks to achieve its final target market sector allocations approximately 30 years following the target&#160;date. </p> <br/><table border="0" cellpadding="0" cellspacing="0" style="width: 100%; border-collapse: collapse; font: 11pt Calibri, Helvetica, Sans-Serif"> <tr style="vertical-align: bottom"> <td colspan="7" style="border-top: Black 0.5pt solid; border-right: black 0.5pt solid; border-bottom: Black 0.5pt solid; border-left: Black 0.5pt solid; text-align: center">Lifecycle Funds Glidepath as of June 30, 2020</td></tr> <tr style="vertical-align: bottom"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1pt solid; text-align: center; width: 16%">Years to Target Retirement Date</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1pt solid; text-align: center; width: 14%">US Equities</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1pt solid; text-align: center; width: 14%">International Equities</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1pt solid; text-align: center; width: 14%">Direct Real Estate</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1pt solid; text-align: center; width: 14%">Fixed Income</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1pt solid; text-align: center; width: 14%">Short Term Fixed Income</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1pt solid; text-align: center; width: 14%">Inflation Protected Bonds</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">45</td> <td style="text-align: center">66.50%</td> <td style="text-align: center">28.50%</td> <td style="text-align: center">5.00%</td> <td style="text-align: center">0.00%</td> <td style="text-align: center">0.00%</td> <td style="text-align: center">0.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">40</td> <td style="text-align: center">65.62%</td> <td style="text-align: center">28.13%</td> <td style="text-align: center">5.00%</td> <td style="text-align: center">1.25%</td> <td style="text-align: center">0.00%</td> <td style="text-align: center">0.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">35</td> <td style="text-align: center">64.75%</td> <td style="text-align: center">27.75%</td> <td style="text-align: center">5.00%</td> <td style="text-align: center">2.50%</td> <td style="text-align: center">0.00%</td> <td style="text-align: center">0.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">30</td> <td style="text-align: center">63.87%</td> <td style="text-align: center">27.38%</td> <td style="text-align: center">5.00%</td> <td style="text-align: center">3.75%</td> <td style="text-align: center">0.00%</td> <td style="text-align: center">0.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">25</td> <td style="text-align: center">63.00%</td> <td style="text-align: center">27.00%</td> <td style="text-align: center">5.00%</td> <td style="text-align: center">5.00%</td> <td style="text-align: center">0.00%</td> <td style="text-align: center">0.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">20</td> <td style="text-align: center">56.70%</td> <td style="text-align: center">24.30%</td> <td style="text-align: center">5.00%</td> <td style="text-align: center">14.00%</td> <td style="text-align: center">0.00%</td> <td style="text-align: center">0.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">15</td> <td style="text-align: center">50.40%</td> <td style="text-align: center">21.60%</td> <td style="text-align: center">5.00%</td> <td style="text-align: center">23.00%</td> <td style="text-align: center">0.00%</td> <td style="text-align: center">0.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">10</td> <td style="text-align: center">44.10%</td> <td style="text-align: center">18.90%</td> <td style="text-align: center">5.00%</td> <td style="text-align: center">28.00%</td> <td style="text-align: center">2.00%</td> <td style="text-align: center">2.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">5</td> <td style="text-align: center">37.80%</td> <td style="text-align: center">16.20%</td> <td style="text-align: center">5.00%</td> <td style="text-align: center">33.00%</td> <td style="text-align: center">4.00%</td> <td style="text-align: center">4.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">0</td> <td style="text-align: center">31.50%</td> <td style="text-align: center">13.50%</td> <td style="text-align: center">5.00%</td> <td style="text-align: center">38.00%</td> <td style="text-align: center">6.00%</td> <td style="text-align: center">6.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">-5</td> <td style="text-align: center">28.00%</td> <td style="text-align: center">12.00%</td> <td style="text-align: center">5.00%</td> <td style="text-align: center">39.00%</td> <td style="text-align: center">8.00%</td> <td style="text-align: center">8.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">-10</td> <td style="text-align: center">24.50%</td> <td style="text-align: center">10.50%</td> <td style="text-align: center">5.00%</td> <td style="text-align: center">40.00%</td> <td style="text-align: center">10.00%</td> <td style="text-align: center">10.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">-15</td> <td style="text-align: center">22.75%</td> <td style="text-align: center">9.75%</td> <td style="text-align: center">2.50%</td> <td style="text-align: center">40.00%</td> <td style="text-align: center">15.00%</td> <td style="text-align: center">10.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">-20</td> <td style="text-align: center">21.00%</td> <td style="text-align: center">9.00%</td> <td style="text-align: center">0.00%</td> <td style="text-align: center">40.00%</td> <td style="text-align: center">20.00%</td> <td style="text-align: center">10.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">-25</td> <td style="text-align: center">17.50%</td> <td style="text-align: center">7.50%</td> <td style="text-align: center">0.00%</td> <td style="text-align: center">40.00%</td> <td style="text-align: center">25.00%</td> <td style="text-align: center">10.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">-30</td> <td style="text-align: center">14.00%</td> <td style="text-align: center">6.00%</td> <td style="text-align: center">0.00%</td> <td style="text-align: center">40.00%</td> <td style="text-align: center">30.00%</td> <td style="text-align: center">10.00%</td></tr> </table> <br/><p style="font-family:Sans-Serif; font-size:9.5pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt">The Fund is designed to accommodate investors who invest in a fund up to their target retirement date, and plan to make gradual systematic withdrawals in retirement. In addition, investors should note that the Fund will continue to have a significant level of equity exposure up to, through and after its target retirement date, and this exposure could cause significant fluctuations in the value of the Fund depending on the performance of the equity markets generally.</p> <br/><p style="font-family:Sans-Serif; font-size:9.5pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt">After the Fund reaches its final target allocation, the Board of Trustees may authorize the merger of the Fund into another Lifecycle Fund which has also reached its final target allocation or other similar fund designed to maintain a relatively stable asset allocation reflecting the resting point on the glidepath described in the chart above. Fund shareholders will receive prior notice of any such merger.</p> Past performance <p style="font-family:Sans-Serif; font-size:9.5pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt">The following chart and table help illustrate some of the risks of investing in the Fund by showing changes in the Fund&#8217;s performance from year to year. The bar chart shows the annual total returns of the Retirement Class of the Fund, before taxes, in each full calendar year since inception of the Retirement Class. Because the expenses vary across share classes, the performance of the Retirement Class may vary from the other share classes. Below the bar chart are the best and worst returns of the Retirement Class for a calendar quarter during the full calendar-year periods covered by the bar chart. The performance table following the bar chart shows the Fund&#8217;s average annual total returns for the Retirement, Institutional, Advisor and Premier classes over the applicable one-year, five-year, ten-year and since-inception periods ended December 31, 2018, and how those returns compare to those of a broad-based securities market index and a composite index that represents the market sectors in which the Fund invests across the equity and fixed-income asset classes. After-tax performance is shown only for the Retirement Class shares, and after-tax returns for the other classes of shares will vary from the after-tax returns presented for Retirement Class&#160;shares. </p> <br/><p style="font-family:Sans-Serif; font-size:9.5pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt">The returns shown below reflect previous agreements by Advisors to waive or reimburse the Fund and certain Underlying Funds for certain fees and expenses. Without these waivers and reimbursements, the returns of the Fund would have been lower. Past performance of the Fund (before and after taxes) is not necessarily an indication of how it will perform in the future. The indices listed below are unmanaged, and you cannot invest directly in an index. The returns for the indices reflect no deduction for fees, expenses or taxes.</p> <br/><p style="font-family:Sans-Serif; font-size:9.5pt; font-style:italic; font-weight:normal; text-align:left; text-indent:12.25pt">For current performance information of each share class, including performance to the most recent month-end, please visit www.tiaa.org.</p> ANNUAL TOTAL RETURNS FOR THE RETIREMENT CLASS SHARES (%)&#8224; Lifecycle 2055 Fund 0.1730 0.2592 0.0437 -0.0013 0.0806 0.2385 -0.1013 ~ http://www.TIAA.com/20190926/role/ScheduleAnnualTotalReturnsBarChart20074 column dei_LegalEntityAxis compact cik0001084380_S000031927Member row primary compact * ~ Best quarter: 0.1282 2012-03-31 Worst quarter: -0.1452 2018-12-31 The year-to-date return as of the most recent calendar quarter, which ended on June 30, 2019, was 0.1640 2019-06-30 <p style="font-family:Sans-Serif; font-size:1.0pt; font-style:normal; font-weight:normal; text-align:left"><font style="font-family:Sans-Serif; font-size:8.5pt; font-weight:normal">Best quarter: 12.82%, for the quarter ended March 31, 2012. Worst quarter: -14.52%, for the quarter ended December 31, 2018.</font></p> <p style="font-family:Sans-Serif; font-size:1.0pt; font-style:normal; font-weight:normal; margin-left:09.00pt; text-align:left; text-indent:-09.00pt"><font style="font-family:Sans-Serif; font-size:8.5pt; font-weight:normal"><sup>&#8224;</sup></font><font style="font-family:Sans-Serif; font-size:8.5pt; font-weight:normal"><font style="word-spacing:5.5pt">&#160;</font>The year-to-date return as of the most recent calendar quarter, which ended on June 30, 2019, was 16.40%.</font></p> -0.1013 0.0463 0.0664 -0.1110 0.0353 0.0561 -0.0540 0.0341 0.0506 -0.0986 0.0489 0.0691 -0.0987 0.0479 0.0675 -0.1010 0.0472 0.0674 -0.0797 0.0507 0.0682 -0.0748 0.0565 0.0740 2011-04-29 2011-04-29 2015-12-04 2011-04-29 ~ http://www.TIAA.com/20190926/role/ScheduleAverageAnnualReturnsTransposed20075 column dei_LegalEntityAxis compact cik0001084380_S000031927Member column rr_PerformanceMeasureAxis compact * row primary compact * ~ <p style="font-family: Sans-Serif; font-size: 8.5pt; font-style: italic; font-weight: normal; text-align: left;">Current performance of the Fund&#8217;s shares may be higher or lower than that shown above.</p> <br/><p>After-tax returns are calculated using the historical highest individual federal marginal income tax rates in effect during the periods shown and do not reflect the impact of state and local taxes. Actual after-tax returns depend on the investor&#8217;s tax situation and may differ from those shown. The after-tax returns shown are not relevant to investors who hold their Fund shares through tax-deferred arrangements such as 401(a), 401(k) or 403(b) plans or Individual Retirement Accounts (IRAs). After-tax returns are shown for only one class, and after-tax returns for other classes will vary.</p> As of the close of business on December 31, 2018, the Lifecycle 2055 Fund Composite Index consisted of: 65.0% Russell 3000&#174; Index; 27.9% MSCI All Country World Index ex USA Investable Market Index; and 7.1% Bloomberg Barclays U.S. Aggregate Bond Index. The Fund&#8217;s composite benchmark, the components that make up a composite benchmark and the method of calculating a composite benchmark&#8217;s performance may vary over time. The after-tax returns shown are not relevant to investors who hold their Fund shares through tax-deferred arrangements such as 401(a), 401(k) or 403(b) plans or Individual Retirement Accounts (IRAs). (reflects no deductions for fees, expenses or taxes) After-tax performance is shown only for the Retirement Class shares, and after-tax returns for the other classes of shares will vary from the after-tax returns presented for Retirement Class shares. Past performance of the Fund (before and after taxes) is not necessarily an indication of how it will perform in the future. AVERAGE ANNUAL TOTAL RETURNS For the Periods Ended December 31, 2018 The following chart and table help illustrate some of the risks of investing in the Fund by showing changes in the Fund&#8217;s performance from year to year. After-tax returns are calculated using the historical highest individual federal marginal income tax rates in effect during the periods shown and do not reflect the impact of state and local taxes. www.tiaa.org Example <p style="font-family:Sans-Serif; font-size:1.0pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt"><font style="font-family:Sans-Serif; font-size:9.5pt; font-weight:normal">This example is intended to help you compare the cost of investing in shares of the Fund with the cost of investing in other mutual funds. The example assumes that you invest $10,000 in the Fund for the time periods indicated and then redeem all your shares at the end of those periods. The example also assumes that your investment has a 5% return each year and that the Fund&#8217;s operating expenses, before fee waivers and/or expense reimbursements, remain the same. The example assumes that the Fund&#8217;s fee waiver and/or expense reimbursement arrangements will each remain in place for the durations noted in the table above. Although your actual costs may be higher or lower, based on these assumptions your costs would be: </font></p> 46 54 61 72 153 179 201 233 294 338 376 431 704 801 885 1004 ~ http://www.TIAA.com/20190926/role/ScheduleExpenseExample20073 column dei_LegalEntityAxis compact cik0001084380_S000031927Member row primary compact * ~ Portfolio turnover <p style="font-family:Sans-Serif; font-size:9.5pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt">The Fund pays transaction costs, such as commissions, when it buys and sells securities (or &#8220;turns over&#8221; its portfolio). A higher portfolio turnover rate may indicate higher transaction costs and may result in higher taxes when Fund shares are held in a taxable account. These costs, which are not reflected in annual fund operating expenses or in the example, affect the Fund&#8217;s performance. During the fiscal year ended May 31, 2019, the Fund&#8217;s portfolio turnover rate was 10% of the average value of its portfolio.</p> 0.10 Fees and expenses <p style="font-family:Sans-Serif; font-size:9.5pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt">This table describes the fees and expenses that you may pay if you buy and hold shares of the Fund. In addition to the fees and expenses described below, investors may be required to pay a commission to a broker-dealer or other financial intermediary on purchases and sales of Institutional Class or Advisor Class shares of the Fund.</p> 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.0050 0.0050 0.0050 0.0050 0.0015 0.0006 0.0014 0.0006 0.0031 0.0003 0.0003 0.0003 0.0003 0.0059 0.0067 0.0074 0.0084 -0.0014 -0.0014 -0.0014 -0.0014 0.0045 0.0053 0.0060 0.0070 ~ http://www.TIAA.com/20190926/role/ScheduleShareholderFees20071 column dei_LegalEntityAxis compact cik0001084380_S000031927Member row primary compact * ~ ~ http://www.TIAA.com/20190926/role/ScheduleAnnualFundOperatingExpenses20072 column dei_LegalEntityAxis compact cik0001084380_S000031927Member row primary compact * ~ &#8220;Acquired Fund fees and expenses&#8221; are the Fund&#8217;s proportionate amount of the expenses of any investment companies or pools in which it invests (excluding expenses originally incurred by Class W of the Underlying Funds of the Trust that have been incurred directly by the Fund, which are instead reflected in Management fees and Other expenses). These expenses are not paid directly by Fund shareholders. Instead, Fund shareholders bear these expenses indirectly because they reduce Fund performance. Because &#8220;Acquired Fund fees and expenses&#8221; are included in the chart above, the Fund&#8217;s operating expenses here will not correlate with the expenses included in the Financial highlights in this Prospectus and the Fund&#8217;s annual report. 2020-09-30 Restated to reflect estimates for the current fiscal year. SHAREHOLDER FEES (fees paid directly from your investment) ANNUAL FUND OPERATING EXPENSES (expenses that you pay each year as a percentage of the value of your investment) TIAA-CREF Lifecycle 2060 Fund Investment objective <p style="font-family:Sans-Serif; font-size:9.5pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt">The Lifecycle 2060 Fund seeks high total return over time through a combination of capital appreciation and income.</p> Principal investment risks <p style="font-family:Sans-Serif; font-size:1.0pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt"><font style="font-family:Sans-Serif; font-size:9.5pt; font-weight:normal">You could lose money over short or long periods by investing in this Fund. 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Equities</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1pt solid; text-align: center; width: 14%">Direct Real Estate</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1pt solid; text-align: center; width: 14%">Fixed Income</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1pt solid; text-align: center; width: 14%">Short Term Fixed Income</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1pt solid; text-align: center; width: 14%">Inflation Protected Bonds</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">45</td> <td style="text-align: center">66.50%</td> <td style="text-align: center">28.50%</td> <td style="text-align: center">5.00%</td> <td style="text-align: center">0.00%</td> <td style="text-align: center">0.00%</td> <td style="text-align: center">0.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">40</td> <td style="text-align: center">65.62%</td> <td style="text-align: center">28.13%</td> <td style="text-align: center">5.00%</td> <td style="text-align: center">1.25%</td> <td style="text-align: center">0.00%</td> <td style="text-align: center">0.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">35</td> <td style="text-align: center">64.75%</td> <td style="text-align: center">27.75%</td> <td style="text-align: center">5.00%</td> <td style="text-align: center">2.50%</td> <td style="text-align: center">0.00%</td> <td style="text-align: center">0.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">30</td> <td style="text-align: center">63.87%</td> <td style="text-align: center">27.38%</td> <td style="text-align: center">5.00%</td> <td style="text-align: center">3.75%</td> <td style="text-align: center">0.00%</td> <td style="text-align: center">0.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">25</td> <td style="text-align: center">63.00%</td> <td style="text-align: center">27.00%</td> <td style="text-align: center">5.00%</td> <td style="text-align: center">5.00%</td> <td style="text-align: center">0.00%</td> <td style="text-align: center">0.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">20</td> <td style="text-align: center">56.70%</td> <td style="text-align: center">24.30%</td> <td style="text-align: center">5.00%</td> <td style="text-align: center">14.00%</td> <td style="text-align: center">0.00%</td> <td style="text-align: center">0.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">15</td> <td style="text-align: center">50.40%</td> <td style="text-align: center">21.60%</td> <td style="text-align: center">5.00%</td> <td style="text-align: center">23.00%</td> <td style="text-align: center">0.00%</td> <td style="text-align: center">0.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">10</td> <td style="text-align: center">44.10%</td> <td style="text-align: center">18.90%</td> <td style="text-align: center">5.00%</td> <td style="text-align: center">28.00%</td> <td style="text-align: center">2.00%</td> <td style="text-align: center">2.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">5</td> <td style="text-align: center">37.80%</td> <td style="text-align: center">16.20%</td> <td style="text-align: center">5.00%</td> <td style="text-align: center">33.00%</td> <td style="text-align: center">4.00%</td> <td style="text-align: center">4.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">0</td> <td style="text-align: center">31.50%</td> <td style="text-align: center">13.50%</td> <td style="text-align: center">5.00%</td> <td style="text-align: center">38.00%</td> <td style="text-align: center">6.00%</td> <td style="text-align: center">6.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">-5</td> <td style="text-align: center">28.00%</td> <td style="text-align: center">12.00%</td> <td style="text-align: center">5.00%</td> <td style="text-align: center">39.00%</td> <td style="text-align: center">8.00%</td> <td style="text-align: center">8.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">-10</td> <td style="text-align: center">24.50%</td> <td style="text-align: center">10.50%</td> <td style="text-align: center">5.00%</td> <td style="text-align: center">40.00%</td> <td style="text-align: center">10.00%</td> <td style="text-align: center">10.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">-15</td> <td style="text-align: center">22.75%</td> <td style="text-align: center">9.75%</td> <td style="text-align: center">2.50%</td> <td style="text-align: center">40.00%</td> <td style="text-align: center">15.00%</td> <td style="text-align: center">10.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">-20</td> <td style="text-align: center">21.00%</td> <td style="text-align: center">9.00%</td> <td style="text-align: center">0.00%</td> <td style="text-align: center">40.00%</td> <td style="text-align: center">20.00%</td> <td style="text-align: center">10.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">-25</td> <td style="text-align: center">17.50%</td> <td style="text-align: center">7.50%</td> <td style="text-align: center">0.00%</td> <td style="text-align: center">40.00%</td> <td style="text-align: center">25.00%</td> <td style="text-align: center">10.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">-30</td> <td style="text-align: center">14.00%</td> <td style="text-align: center">6.00%</td> <td style="text-align: center">0.00%</td> <td style="text-align: center">40.00%</td> <td style="text-align: center">30.00%</td> <td style="text-align: center">10.00%</td></tr> </table> <br/><p style="font-family:Sans-Serif; font-size:9.5pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt">The Fund is designed to accommodate investors who invest in a fund up to their target retirement date, and plan to make gradual systematic withdrawals in retirement. In addition, investors should note that the Fund will continue to have a significant level of equity exposure up to, through and after its target retirement date, and this exposure could cause significant fluctuations in the value of the Fund depending on the performance of the equity markets generally.</p> <br/><p style="font-family:Sans-Serif; font-size:9.5pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt">After the Fund reaches its final target allocation, the Board of Trustees may authorize the merger of the Fund into another Lifecycle Fund which has also reached its final target allocation or other similar fund designed to maintain a relatively stable asset allocation reflecting the resting point on the glidepath described in the chart above. Fund shareholders will receive prior notice of any such merger.</p> Past performance <p style="font-family:Sans-Serif; font-size:9.5pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt">The following chart and table help illustrate some of the risks of investing in the Fund by showing changes in the Fund&#8217;s performance from year to year. The bar chart shows the annual total returns of the Retirement Class of the Fund, before taxes, in each full calendar year since inception of the Retirement Class. Because the expenses vary across share classes, the performance of the Retirement Class may vary from the other share classes. Below the bar chart are the best and worst returns of the Retirement Class for a calendar quarter during the full calendar-year periods covered by the bar chart. The performance table following the bar chart shows the Fund&#8217;s average annual total returns for the Retirement, Institutional, Advisor and Premier classes over the applicable one-year, five-year, ten-year and since-inception periods ended December 31, 2018, and how those returns compare to those of a broad-based securities market index and a composite index that represents the market sectors in which the Fund invests across the equity and fixed-income asset classes. After-tax performance is shown only for the Retirement Class shares, and after-tax returns for the other classes of shares will vary from the after-tax returns presented for Retirement Class&#160;shares. </p> <br/><p style="font-family:Sans-Serif; font-size:9.5pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt">The returns shown below reflect previous agreements by Advisors to waive or reimburse the Fund and certain Underlying Funds for certain fees and expenses. Without these waivers and reimbursements, the returns of the Fund would have been lower. Past performance of the Fund (before and after taxes) is not necessarily an indication of how it will perform in the future. The indices listed below are unmanaged, and you cannot invest directly in an index. The returns for the indices reflect no deduction for fees, expenses or taxes.</p> <br/><p style="font-family:Sans-Serif; font-size:9.5pt; font-style:italic; font-weight:normal; text-align:left; text-indent:12.25pt">For current performance information of each share class, including performance to the most recent month-end, please visit www.tiaa.org.</p> ANNUAL TOTAL RETURNS FOR THE RETIREMENT CLASS SHARES (%)&#8224; Lifecycle 2060 Fund -0.0003 0.0809 0.2421 -0.1028 ~ http://www.TIAA.com/20190926/role/ScheduleAnnualTotalReturnsBarChart20081 column dei_LegalEntityAxis compact cik0001084380_S000046661Member row primary compact * ~ Best quarter: 0.0677 2017-03-31 Worst quarter: -0.1470 2018-12-31 The year-to-date return as of the most recent calendar quarter, which ended on June 30, 2019, was 0.1649 2019-06-30 <p style="font-family:Sans-Serif; font-size:1.0pt; font-style:normal; font-weight:normal; text-align:left"><font style="font-family:Sans-Serif; font-size:8.5pt; font-weight:normal">Best quarter: 6.77%, for the quarter ended March 31, 2017. Worst quarter: -14.70%, for the quarter ended December 31, 2018.</font></p> <p style="font-family:Sans-Serif; font-size:1.0pt; font-style:normal; font-weight:normal; margin-left:09.00pt; text-align:left; text-indent:-09.00pt"><font style="font-family:Sans-Serif; font-size:8.5pt; font-weight:normal"><sup>&#8224;</sup></font><font style="font-family:Sans-Serif; font-size:8.5pt; font-weight:normal"><font style="word-spacing:5.5pt">&#160;</font>The year-to-date return as of the most recent calendar quarter, which ended on June 30, 2019, was 16.49%.</font></p> -0.1028 0.0478 -0.1124 0.0356 -0.0550 0.0349 -0.1006 0.0501 -0.1016 0.0493 -0.1027 0.0486 -0.0795 0.0499 -0.0759 0.0540 2014-09-26 2014-09-26 2014-09-26 2015-12-04 ~ http://www.TIAA.com/20190926/role/ScheduleAverageAnnualReturnsTransposed20082 column dei_LegalEntityAxis compact cik0001084380_S000046661Member column rr_PerformanceMeasureAxis compact * row primary compact * ~ <p style="font-family: Sans-Serif; font-size: 8.5pt; font-style: italic; font-weight: normal; text-align: left;">Current performance of the Fund&#8217;s shares may be higher or lower than that shown above.</p> <br/><p>After-tax returns are calculated using the historical highest individual federal marginal income tax rates in effect during the periods shown and do not reflect the impact of state and local taxes. Actual after-tax returns depend on the investor&#8217;s tax situation and may differ from those shown. The after-tax returns shown are not relevant to investors who hold their Fund shares through tax-deferred arrangements such as 401(a), 401(k) or 403(b) plans or Individual Retirement Accounts (IRAs). After-tax returns are shown for only one class, and after-tax returns for other classes will vary.</p> As of the close of business on December 31, 2018, the Lifecycle 2060 Fund Composite Index consisted of: 65.9% Russell 3000&#174; Index; 28.2% MSCI All Country World Index ex USA Investable Market Index; and 5.9% Bloomberg Barclays U.S. Aggregate Bond Index. The Fund&#8217;s composite benchmark, the components that make up a composite benchmark and the method of calculating a composite benchmark&#8217;s performance may vary over time. The after-tax returns shown are not relevant to investors who hold their Fund shares through tax-deferred arrangements such as 401(a), 401(k) or 403(b) plans or Individual Retirement Accounts (IRAs). (reflects no deductions for fees, expenses or taxes) After-tax performance is shown only for the Retirement Class shares, and after-tax returns for the other classes of shares will vary from the after-tax returns presented for Retirement Class shares. Past performance of the Fund (before and after taxes) is not necessarily an indication of how it will perform in the future. AVERAGE ANNUAL TOTAL RETURNS For the Periods Ended December 31, 2018 The following chart and table help illustrate some of the risks of investing in the Fund by showing changes in the Fund&#8217;s performance from year to year. After-tax returns are calculated using the historical highest individual federal marginal income tax rates in effect during the periods shown and do not reflect the impact of state and local taxes. www.tiaa.org Example <p style="font-family:Sans-Serif; font-size:1.0pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt"><font style="font-family:Sans-Serif; font-size:9.5pt; font-weight:normal">This example is intended to help you compare the cost of investing in shares of the Fund with the cost of investing in other mutual funds. The example assumes that you invest $10,000 in the Fund for the time periods indicated and then redeem all your shares at the end of those periods. The example also assumes that your investment has a 5% return each year and that the Fund&#8217;s operating expenses, before fee waivers and/or expense reimbursements, remain the same. The example assumes that the Fund&#8217;s fee waiver and/or expense reimbursement arrangements will each remain in place for the durations noted in the table above. Although your actual costs may be higher or lower, based on these assumptions your costs would be: </font></p> 46 54 61 72 179 205 227 258 348 392 430 484 838 933 1017 1134 ~ http://www.TIAA.com/20190926/role/ScheduleExpenseExample20080 column dei_LegalEntityAxis compact cik0001084380_S000046661Member row primary compact * ~ Portfolio turnover <p style="font-family:Sans-Serif; font-size:9.5pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt">The Fund pays transaction costs, such as commissions, when it buys and sells securities (or &#8220;turns over&#8221; its portfolio). A higher portfolio turnover rate may indicate higher transaction costs and may result in higher taxes when Fund shares are held in a taxable account. These costs, which are not reflected in annual fund operating expenses or in the example, affect the Fund&#8217;s performance. During the fiscal period ended May 31, 2019, the Fund&#8217;s portfolio turnover rate was 36% of the average value of its portfolio.</p> 0.36 Fees and expenses <p style="font-family:Sans-Serif; font-size:9.5pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt">This table describes the fees and expenses that you may pay if you buy and hold shares of the Fund. In addition to the fees and expenses described below, investors may be required to pay a commission to a broker-dealer or other financial intermediary on purchases and sales of Institutional Class or Advisor Class shares of the Fund.</p> 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.0050 0.0050 0.0050 0.0050 0.0015 0.0018 0.0026 0.0018 0.0043 0.0003 0.0003 0.0003 0.0003 0.0071 0.0079 0.0086 0.0096 -0.0026 -0.0026 -0.0026 -0.0026 0.0045 0.0053 0.0060 0.0070 ~ http://www.TIAA.com/20190926/role/ScheduleShareholderFees20078 column dei_LegalEntityAxis compact cik0001084380_S000046661Member row primary compact * ~ ~ http://www.TIAA.com/20190926/role/ScheduleAnnualFundOperatingExpenses20079 column dei_LegalEntityAxis compact cik0001084380_S000046661Member row primary compact * ~ &#8220;Acquired Fund fees and expenses&#8221; are the Fund&#8217;s proportionate amount of the expenses of any investment companies or pools in which it invests (excluding expenses originally incurred by Class W of the Underlying Funds of the Trust that have been incurred directly by the Fund, which are instead reflected in Management fees and Other expenses). These expenses are not paid directly by Fund shareholders. Instead, Fund shareholders bear these expenses indirectly because they reduce Fund performance. Because &#8220;Acquired Fund fees and expenses&#8221; are included in the chart above, the Fund&#8217;s operating expenses here will not correlate with the expenses included in the Financial highlights in this Prospectus and the Fund&#8217;s annual report. 2020-09-30 Restated to reflect estimates for the current fiscal year. SHAREHOLDER FEES (fees paid directly from your investment) ANNUAL FUND OPERATING EXPENSES (expenses that you pay each year as a percentage of the value of your investment) TIAA-CREF Lifecycle Index Retirement Income Fund Investment objective <p style="font-family:Sans-Serif; font-size:9.5pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt">The Lifecycle Index Retirement Income Fund seeks high total return over time primarily through income,</p> <p style="font-family:Sans-Serif; font-size:9.5pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt">with a secondary emphasis on capital appreciation.</p> Principal investment risks <p style="font-family:Sans-Serif; font-size:1.0pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt"><font style="font-family:Sans-Serif; font-size:9.5pt; font-weight:normal">You could lose money over short or long periods by investing in this Fund. 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The bar chart shows the annual total returns of the Retirement Class of the Fund, before taxes, in each full calendar year since inception of the Retirement Class. Because the expenses vary across share classes, the performance of the Retirement Class may vary from the other share classes. Below the bar chart are the best and worst returns of the Retirement Class for a calendar quarter during the full calendar-year periods covered by the bar chart. The performance table following the bar chart shows the Fund&#8217;s average annual total returns for the Retirement, Institutional, Advisor and Premier classes over the applicable one-year, five-year, ten-year and since-inception periods ended December 31, 2018, and how those returns compare to those of a broad-based securities market index and a composite index based on the Fund&#8217;s target allocations. After-tax performance is shown only for the Retirement Class shares, and after-tax returns for the other classes of shares will vary from the after-tax returns presented for Retirement Class&#160;shares. </p> <br/><p style="font-family:Sans-Serif; font-size:9.5pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt">The returns shown below reflect previous agreements by Advisors to waive or reimburse the Fund and certain Underlying Funds for certain fees and expenses. Without these waivers and reimbursements, the returns of the Fund would have been lower. Past performance of the Fund (before and after taxes) is not necessarily an indication of how it will perform in the future. The indices listed below are unmanaged, and you cannot invest directly in an index. 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Actual after-tax returns depend on the investor&#8217;s tax situation and may differ from those shown. The after-tax returns shown are not relevant to investors who hold their Fund shares through tax-deferred arrangements such as 401(a), 401(k) or 403(b) plans or Individual Retirement Accounts (IRAs). After-tax returns are shown for only one class, and after-tax returns for other classes will vary.</p> As of the close of business on December 31, 2018, the Lifecycle Index Retirement Income Fund Composite Index consisted of: 40.0% Bloomberg Barclays U.S. Aggregate Bond Index; 28.0% Russell 3000&#174; Index; 12.0% MSCI EAFE + Emerging Markets Index; 10.0% Bloomberg Barclays U.S. 1&#8211;3 Year Government/Credit Bond Index; and 10.0% Bloomberg Barclays U.S. Treasury Inflation Protected Securities (TIPS) 1&#8211;10 Year Index. The Fund&#8217;s composite benchmark, the components that make up a composite benchmark and the method of calculating a composite benchmark&#8217;s performance may vary over time. The after-tax returns shown are not relevant to investors who hold their Fund shares through tax-deferred arrangements such as 401(a), 401(k) or 403(b) plans or Individual Retirement Accounts (IRAs). (reflects no deductions for fees, expenses or taxes) After-tax performance is shown only for the Retirement Class shares, and after-tax returns for the other classes of shares will vary from the after-tax returns presented for Retirement Class shares. Past performance of the Fund (before and after taxes) is not necessarily an indication of how it will perform in the future. AVERAGE ANNUAL TOTAL RETURNS For the Periods Ended December 31, 2018 The following chart and table help illustrate some of the risks of investing in the Fund by showing changes in the Fund&#8217;s performance from year to year. 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SHAREHOLDER FEES (fees paid directly from your investment) ANNUAL FUND OPERATING EXPENSES (expenses that you pay each year as a percentage of the value of your investment) TIAA-CREF Lifecycle Index 2010 Fund Investment objective <p style="font-family:Sans-Serif; font-size:9.5pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt">The Lifecycle Index 2010 Fund seeks high total return over time through a combination of capital appreciation and income.</p> Principal investment risks <p style="font-family:Sans-Serif; font-size:1.0pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt"><font style="font-family:Sans-Serif; font-size:9.5pt; font-weight:normal">You could lose money over short or long periods by investing in this Fund. 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There can be no guarantee that any Underlying Fund will achieve its investment objective.</p> <br/><p style="font-family:Sans-Serif; font-size:9.5pt; font-style:italic; font-weight:normal; text-align:left; text-indent:12.25pt">There can be no assurances that the Fund will achieve its investment objective. You should not consider the Fund to be a complete investment program. Please see the non-summary portion of the Prospectus for more detailed information about the risks described above, including the risks of the Underlying Funds.</p> You could lose money over short or long periods by investing in this Fund. Principal investment strategies <p style="font-family:Sans-Serif; font-size:9.5pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt">The Fund is a &#8220;fund of funds&#8221; that invests in Class W shares of other funds of the Trust and potentially in other investment pools or investment products, including other funds advised by the Fund&#8217;s investment adviser, Teachers Advisors, LLC (&#8220;Advisors&#8221;), or its affiliates (collectively, the &#8220;Underlying Funds&#8221;). In general, the Fund is designed for investors who have an approximate target retirement year in mind, and the Fund&#8217;s investments are adjusted from more aggressive to more conservative over time as the Fund&#8217;s target retirement year approaches and for approximately 30 years afterwards. The Fund invests in Underlying Funds according to an asset allocation strategy designed for investors who retired in, or planned to retire within a few years of, 2010 and who may have begun taking systematic withdrawals upon retirement. The Fund has a policy of investing at least 80% of its assets (net assets, plus the amount of any borrowings for investment purposes) in Underlying Funds that are managed to seek investment returns that track particular market indices. </p> <br/><p style="font-family:Sans-Serif; font-size:9.5pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt">Advisors currently expects to allocate approximately 40.00% <font style="font-family:Sans-Serif; font-weight:normal">of the Fund&#8217;s assets to equity Underlying Funds</font> and 60.00% of its assets to fixed-income Underlying Funds. These allocations represent targets for equity and fixed-income asset classes. Target allocations will change over time and actual allocations may vary up to ten percentage points from the targets. The target allocations along the investment glidepath, illustrated in the chart below, gradually become more conservative. The Fund had target allocations of approximately 50.00% equity/50.00% fixed-income in the Fund&#8217;s target retirement year of 2010 and will reach the Fund&#8217;s final target allocation of approximately 20.00% equity/80.00% fixed-income in 2040. Within the equity and fixed-income asset classes, Advisors allocates the Fund&#8217;s investments to particular market sectors (U.S. equity, international equity, fixed-income, short-term fixed-income and inflation-protected assets) represented by various Underlying Funds. These market sector allocations may vary by up to 10% from the Fund&#8217;s target market sector allocations. The Fund&#8217;s current target market sector allocations for June 30, 2020, which will change over time, are approximately as follows: U.S. Equity: 28.00%; International Equity: 12.00%; Fixed-Income: 40.00%; Short-Term Fixed-Income: 10.00%; and Inflation-Protected Assets: 10.00%. 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The Fund&#8217;s portfolio management team may also add a new market sector if it believes that will help to achieve the Fund&#8217;s investment objective. The relative allocations among Underlying Funds within a market sector may be changed at any time without notice to shareholders. If 10%&#160;or more of the Fund&#8217;s assets are expected to be invested in any Underlying Fund or market sector not listed above, shareholders will receive prior notice of such change. </p> <br/><p style="font-family:Sans-Serif; font-size:9.5pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt">The Fund&#8217;s asset class allocations, market sector allocations within each asset class, and Underlying Fund allocations within each market sector, as of June 30, 2019, are listed in the chart below. These allocations will change over&#160;time. 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text-indent:12.25pt">The following chart shows how the investment glidepath for the Fund is expected to gradually move the Fund&#8217;s target allocations over time between the different target market sector allocations. The actual market sector allocations of the Fund may differ from this chart. The Fund seeks to achieve its final target market sector allocations approximately 30 years following the target&#160;date. </p> <br/><table border="0" cellpadding="0" cellspacing="0" style="width: 100%; border-collapse: collapse; font: 11pt Calibri, Helvetica, Sans-Serif"> <tr style="vertical-align: bottom"> <td colspan="6" style="border-top: Black 0.5pt solid; border-right: black 0.5pt solid; border-bottom: Black 0.5pt solid; border-left: Black 0.5pt solid; text-align: center">Lifecycle Index Funds Glidepath as of June 30, 2020</td></tr> <tr style="vertical-align: bottom"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1pt solid; text-align: center; width: 20%">Years to Target Retirement Date</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1pt solid; text-align: center; width: 16%">US Equities</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1pt solid; text-align: center; width: 16%">International 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style="text-align: center">0.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">35</td> <td style="text-align: center">64.75%</td> <td style="text-align: center">27.75%</td> <td style="text-align: center">7.50%</td> <td style="text-align: center">0.00%</td> <td style="text-align: center">0.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">30</td> <td style="text-align: center">63.87%</td> <td style="text-align: center">27.38%</td> <td style="text-align: center">8.75%</td> <td style="text-align: center">0.00%</td> <td style="text-align: center">0.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">25</td> <td style="text-align: center">63.00%</td> <td style="text-align: center">27.00%</td> <td style="text-align: center">10.00%</td> <td style="text-align: center">0.00%</td> <td style="text-align: center">0.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">20</td> <td style="text-align: center">57.40%</td> <td style="text-align: center">24.60%</td> <td style="text-align: center">18.00%</td> <td style="text-align: center">0.00%</td> <td style="text-align: center">0.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">15</td> <td style="text-align: center">51.80%</td> <td style="text-align: center">22.20%</td> <td style="text-align: center">26.00%</td> <td style="text-align: center">0.00%</td> <td style="text-align: center">0.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">10</td> <td style="text-align: center">46.20%</td> <td style="text-align: center">19.80%</td> <td style="text-align: center">30.00%</td> <td style="text-align: center">2.00%</td> <td style="text-align: center">2.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">5</td> <td style="text-align: center">40.60%</td> <td style="text-align: center">17.40%</td> <td style="text-align: center">34.00%</td> <td style="text-align: center">4.00%</td> <td style="text-align: center">4.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">0</td> <td style="text-align: center">35.00%</td> <td style="text-align: center">15.00%</td> <td style="text-align: center">38.00%</td> <td style="text-align: center">6.00%</td> <td style="text-align: center">6.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">-5</td> <td style="text-align: center">31.50%</td> <td style="text-align: center">13.50%</td> <td style="text-align: center">39.00%</td> <td style="text-align: center">8.00%</td> <td style="text-align: center">8.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">-10</td> <td style="text-align: center">28.00%</td> <td style="text-align: center">12.00%</td> <td style="text-align: center">40.00%</td> <td style="text-align: center">10.00%</td> <td style="text-align: center">10.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">-15</td> <td style="text-align: center">24.50%</td> <td style="text-align: center">10.50%</td> <td style="text-align: center">40.00%</td> <td style="text-align: center">15.00%</td> <td style="text-align: center">10.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">-20</td> <td style="text-align: center">21.00%</td> <td style="text-align: center">9.00%</td> <td style="text-align: center">40.00%</td> <td style="text-align: center">20.00%</td> <td style="text-align: center">10.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">-25</td> <td style="text-align: center">17.50%</td> <td style="text-align: center">7.50%</td> <td style="text-align: center">40.00%</td> <td style="text-align: center">25.00%</td> <td style="text-align: center">10.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">-30</td> <td style="text-align: center">14.00%</td> <td style="text-align: center">6.00%</td> <td style="text-align: center">40.00%</td> <td style="text-align: center">30.00%</td> <td style="text-align: center">10.00%</td></tr> </table> <br/><p style="font-family:Sans-Serif; font-size:9.5pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt">The Fund is designed to accommodate investors who invest in a fund up to their target retirement date, and plan to make gradual systematic withdrawals in retirement. In addition, investors should note that the Fund will continue to have a significant level of equity exposure up to, through and after its target retirement date, and this exposure could cause significant fluctuations in the value of the Fund depending on the performance of the equity markets generally.</p> <br/><p style="font-family:Sans-Serif; font-size:9.5pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt">After the Fund reaches its final target allocation, the Board of Trustees may authorize the merger of the Fund into another Lifecycle Index Fund which has also reached its final target allocation or other similar fund designed to maintain a relatively stable asset allocation reflecting the resting point on the glidepath described in the chart above. Fund shareholders will receive prior notice of any such merger.</p> Past performance <p style="font-family:Sans-Serif; font-size:9.5pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt">The following chart and table help illustrate some of the risks of investing in the Fund by showing changes in the Fund&#8217;s performance from year to year. The bar chart shows the annual total returns of the Retirement Class of the Fund, before taxes, in each full calendar year since inception of the Retirement Class. Because the expenses vary across share classes, the performance of the Retirement Class may vary from the other share classes. Below the bar chart are the best and worst returns of the Retirement Class for a calendar quarter during the full calendar-year periods covered by the bar chart. The performance table following the bar chart shows the Fund&#8217;s average annual total returns for the Retirement, Institutional, Advisor and Premier classes over the applicable one-year, five-year, ten-year and since-inception periods ended December 31, 2018, and how those returns compare to those of a broad-based securities market index and a composite index based on the Fund&#8217;s target allocations. After-tax performance is shown only for the Retirement Class shares, and after-tax returns for the other classes of shares will vary from the after-tax returns presented for Retirement Class&#160;shares. </p> <br/><p style="font-family:Sans-Serif; font-size:9.5pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt">The returns shown below reflect previous agreements by Advisors to waive or reimburse the Fund and certain Underlying Funds for certain fees and expenses. Without these waivers and reimbursements, the returns of the Fund would have been lower. Past performance of the Fund (before and after taxes) is not necessarily an indication of how it will perform in the future. The indices listed below are unmanaged, and you cannot invest directly in an index. The returns for the indices reflect no deduction for fees, expenses or taxes.</p> <br/><p style="font-family:Sans-Serif; font-size:9.5pt; font-style:italic; font-weight:normal; text-align:left; text-indent:12.25pt">For current performance information of each share class, including performance to the most recent month-end, please visit www.tiaa.org.</p> ANNUAL TOTAL RETURNS FOR THE RETIREMENT CLASS SHARES (%)&#8224; Lifecycle Index 2010 Fund 0.1048 0.0307 0.1021 0.1055 0.0598 -0.0029 0.0556 0.1082 -0.0315 ~ http://www.TIAA.com/20190926/role/ScheduleAnnualTotalReturnsBarChart20095 column dei_LegalEntityAxis compact cik0001084380_S000026498Member row primary compact * ~ Best quarter: 0.0777 2010-09-30 Worst quarter: -0.0663 2011-09-30 The year-to-date return as of the most recent calendar quarter, which ended on June 30, 2019, was 0.1002 2019-06-30 <p style="font-family:Sans-Serif; font-size:1.0pt; font-style:normal; font-weight:normal; text-align:left"><font style="font-family:Sans-Serif; font-size:8.5pt; font-weight:normal">Best quarter: 7.77%, for the quarter ended September 30, 2010. 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Actual after-tax returns depend on the investor&#8217;s tax situation and may differ from those shown. The after-tax returns shown are not relevant to investors who hold their Fund shares through tax-deferred arrangements such as 401(a), 401(k) or 403(b) plans or Individual Retirement Accounts (IRAs). After-tax returns are shown for only one class, and after-tax returns for other classes will vary.</p> As of the close of business on December 31, 2018, the Lifecycle Index 2010 Fund Composite Index consisted of: 39.7% Bloomberg Barclays U.S. Aggregate Bond Index; 29.0% Russell 3000&#174; Index; 12.5% MSCI EAFE + Emerging Markets Index; 9.4% Bloomberg Barclays U.S. 1-3 Year Government/Credit Bond Index; and 9.4% Bloomberg Barclays U.S. Treasury Inflation Protected Securities (TIPS) 1-10 Year Index. The Fund&#8217;s composite benchmark, the components that make up a composite benchmark and the method of calculating a composite benchmark&#8217;s performance may vary over time. The after-tax returns shown are not relevant to investors who hold their Fund shares through tax-deferred arrangements such as 401(a), 401(k) or 403(b) plans or Individual Retirement Accounts (IRAs). (reflects no deductions for fees, expenses or taxes) After-tax performance is shown only for the Retirement Class shares, and after-tax returns for the other classes of shares will vary from the after-tax returns presented for Retirement Class shares. Past performance of the Fund (before and after taxes) is not necessarily an indication of how it will perform in the future. AVERAGE ANNUAL TOTAL RETURNS For the Periods Ended December 31, 2018 The following chart and table help illustrate some of the risks of investing in the Fund by showing changes in the Fund&#8217;s performance from year to year. After-tax returns are calculated using the historical highest individual federal marginal income tax rates in effect during the periods shown and do not reflect the impact of state and local taxes. www.tiaa.org Example <p style="font-family:Sans-Serif; font-size:1.0pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt"><font style="font-family:Sans-Serif; font-size:9.5pt; font-weight:normal">This example is intended to help you compare the cost of investing in shares of the Fund with the cost of investing in other mutual funds. The example assumes that you invest $10,000 in the Fund for the time periods indicated and then redeem all your shares at the end of those periods. The example also assumes that your investment has a 5% return each year and that the Fund&#8217;s operating expenses, before fee waivers and/or expense reimbursements, remain the same. The example assumes that the Fund&#8217;s fee waiver and/or expense reimbursement arrangements will each remain in place for the durations noted in the table above. Although your actual costs may be higher or lower, based on these assumptions your costs would be: </font></p> 10 18 26 36 65 91 113 145 126 170 209 265 303 403 491 614 ~ http://www.TIAA.com/20190926/role/ScheduleExpenseExample20094 column dei_LegalEntityAxis compact cik0001084380_S000026498Member row primary compact * ~ Portfolio turnover <p style="font-family:Sans-Serif; font-size:9.5pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt">The Fund pays transaction costs, such as commissions, when it buys and sells securities (or &#8220;turns over&#8221; its portfolio). A higher portfolio turnover rate may indicate higher transaction costs and may result in higher taxes when Fund shares are held in a taxable account. These costs, which are not reflected in annual fund operating expenses or in the example, affect the Fund&#8217;s performance. During the fiscal year ended May 31, 2019, the Fund&#8217;s portfolio turnover rate was 19% of the average value of its portfolio.</p> 0.19 Fees and expenses <p style="font-family:Sans-Serif; font-size:9.5pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt">This table describes the fees and expenses that you may pay if you buy and hold shares of the Fund. 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SHAREHOLDER FEES (fees paid directly from your investment) ANNUAL FUND OPERATING EXPENSES (expenses that you pay each year as a percentage of the value of your investment) TIAA-CREF Lifecycle Index 2015 Fund Investment objective <p style="font-family:Sans-Serif; font-size:9.5pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt">The Lifecycle Index 2015 Fund seeks high total return over time through a combination of capital appreciation and income.</p> Principal investment risks <p style="font-family:Sans-Serif; font-size:1.0pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt"><font style="font-family:Sans-Serif; font-size:9.5pt; font-weight:normal">You could lose money over short or long periods by investing in this Fund. 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Principal investment strategies <p style="font-family:Sans-Serif; font-size:9.5pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt">The Fund is a &#8220;fund of funds&#8221; that invests in Class W shares of other funds of the Trust and potentially in other investment pools or investment products, including other funds advised by the Fund&#8217;s investment adviser, Teachers Advisors, LLC (&#8220;Advisors&#8221;), or its affiliates (collectively, the &#8220;Underlying Funds&#8221;). In general, the Fund is designed for investors who have an approximate target retirement year in mind, and the Fund&#8217;s investments are adjusted from more aggressive to more conservative over time as the Fund&#8217;s target retirement year approaches and for approximately 30 years afterwards. 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font-size:8.5pt; font-style:normal; font-weight:normal; margin-left:09.35pt; text-align:right; text-indent:-09.35pt">100.00%</p></td><td style="border-bottom:0.5pt; border-bottom-color:#000000; border-bottom-style:solid; border-top:0.5pt; border-top-color:#000000; border-top-style:solid; font-size:1pt; vertical-align:bottom">&#160;</td><td style="border-bottom:0.5pt; border-bottom-color:#000000; border-bottom-style:solid; border-top:0.5pt; border-top-color:#000000; border-top-style:solid; font-size:1pt; vertical-align:bottom">&#160;</td><td style="border-bottom:0.5pt; border-bottom-color:#000000; border-bottom-style:solid; border-top:0.5pt; border-top-color:#000000; border-top-style:solid; vertical-align:bottom"><p style="font-family:Sans-Serif; font-size:8.5pt; font-style:normal; font-weight:normal; margin-left:09.35pt; text-align:right; text-indent:-09.35pt">100.00%</p></td></tr></table> <br/><p style="font-family:Sans-Serif; font-size:9.5pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt">The following chart shows how the investment glidepath for the Fund is expected to gradually move the Fund&#8217;s target allocations over time between the different target market sector allocations. The actual market sector allocations of the Fund may differ from this chart. The Fund seeks to achieve its final target market sector allocations approximately 30 years following the target&#160;date. </p> <br/><table border="0" cellpadding="0" cellspacing="0" style="width: 100%; border-collapse: collapse; font: 11pt Calibri, Helvetica, Sans-Serif"> <tr style="vertical-align: bottom"> <td colspan="6" style="border-top: Black 0.5pt solid; border-right: black 0.5pt solid; border-bottom: Black 0.5pt solid; border-left: Black 0.5pt solid; text-align: center">Lifecycle Index Funds Glidepath as of June 30, 2020</td></tr> <tr style="vertical-align: bottom"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1pt solid; text-align: center; width: 20%">Years to Target Retirement Date</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1pt solid; text-align: center; width: 16%">US Equities</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1pt solid; text-align: center; width: 16%">International Equities</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1pt solid; text-align: center; width: 16%">Fixed Income</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1pt solid; text-align: center; width: 16%">Short Term Fixed Income</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1pt solid; text-align: center; width: 16%">Inflation Protected Bonds</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">45</td> <td style="text-align: center">66.50%</td> <td style="text-align: center">28.50%</td> <td style="text-align: center">5.00%</td> <td style="text-align: center">0.00%</td> <td style="text-align: center">0.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">40</td> <td style="text-align: center">65.62%</td> <td style="text-align: center">28.13%</td> <td style="text-align: center">6.25%</td> <td style="text-align: center">0.00%</td> <td style="text-align: center">0.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">35</td> <td style="text-align: center">64.75%</td> <td style="text-align: center">27.75%</td> <td style="text-align: center">7.50%</td> <td style="text-align: center">0.00%</td> <td style="text-align: center">0.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">30</td> <td style="text-align: center">63.87%</td> <td style="text-align: center">27.38%</td> <td style="text-align: center">8.75%</td> <td style="text-align: center">0.00%</td> <td style="text-align: center">0.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">25</td> <td style="text-align: center">63.00%</td> <td style="text-align: center">27.00%</td> <td style="text-align: center">10.00%</td> <td style="text-align: center">0.00%</td> <td style="text-align: center">0.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">20</td> <td style="text-align: center">57.40%</td> <td style="text-align: center">24.60%</td> <td style="text-align: center">18.00%</td> <td style="text-align: center">0.00%</td> <td style="text-align: center">0.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">15</td> <td style="text-align: center">51.80%</td> <td style="text-align: center">22.20%</td> <td style="text-align: center">26.00%</td> <td style="text-align: center">0.00%</td> <td style="text-align: center">0.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">10</td> <td style="text-align: center">46.20%</td> <td style="text-align: center">19.80%</td> <td style="text-align: center">30.00%</td> <td style="text-align: center">2.00%</td> <td style="text-align: center">2.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">5</td> <td style="text-align: center">40.60%</td> <td style="text-align: center">17.40%</td> <td style="text-align: center">34.00%</td> <td style="text-align: center">4.00%</td> <td style="text-align: center">4.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">0</td> <td style="text-align: center">35.00%</td> <td style="text-align: center">15.00%</td> <td style="text-align: center">38.00%</td> <td style="text-align: center">6.00%</td> <td style="text-align: center">6.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">-5</td> <td style="text-align: center">31.50%</td> <td style="text-align: center">13.50%</td> <td style="text-align: center">39.00%</td> <td style="text-align: center">8.00%</td> <td style="text-align: center">8.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">-10</td> <td style="text-align: center">28.00%</td> <td style="text-align: center">12.00%</td> <td style="text-align: center">40.00%</td> <td style="text-align: center">10.00%</td> <td style="text-align: center">10.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">-15</td> <td style="text-align: center">24.50%</td> <td style="text-align: center">10.50%</td> <td style="text-align: center">40.00%</td> <td style="text-align: center">15.00%</td> <td style="text-align: center">10.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">-20</td> <td style="text-align: center">21.00%</td> <td style="text-align: center">9.00%</td> <td style="text-align: center">40.00%</td> <td style="text-align: center">20.00%</td> <td style="text-align: center">10.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">-25</td> <td style="text-align: center">17.50%</td> <td style="text-align: center">7.50%</td> <td style="text-align: center">40.00%</td> <td style="text-align: center">25.00%</td> <td style="text-align: center">10.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">-30</td> <td style="text-align: center">14.00%</td> <td style="text-align: center">6.00%</td> <td style="text-align: center">40.00%</td> <td style="text-align: center">30.00%</td> <td style="text-align: center">10.00%</td></tr> </table> <br/><p style="font-family:Sans-Serif; font-size:9.5pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt">The Fund is designed to accommodate investors who invest in a fund up to their target retirement date, and plan to make gradual systematic withdrawals in retirement. In addition, investors should note that the Fund will continue to have a significant level of equity exposure up to, through and after its target retirement date, and this exposure could cause significant fluctuations in the value of the Fund depending on the performance of the equity markets generally.</p> <br/><p style="font-family:Sans-Serif; font-size:9.5pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt">After the Fund reaches its final target allocation, the Board of Trustees may authorize the merger of the Fund into another Lifecycle Index Fund which has also reached its final target allocation or other similar fund designed to maintain a relatively stable asset allocation reflecting the resting point on the glidepath described in the chart above. Fund shareholders will receive prior notice of any such merger.</p> Past performance <p style="font-family:Sans-Serif; font-size:9.5pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt">The following chart and table help illustrate some of the risks of investing in the Fund by showing changes in the Fund&#8217;s performance from year to year. The bar chart shows the annual total returns of the Retirement Class of the Fund, before taxes, in each full calendar year since inception of the Retirement Class. Because the expenses vary across share classes, the performance of the Retirement Class may vary from the other share classes. Below the bar chart are the best and worst returns of the Retirement Class for a calendar quarter during the full calendar-year periods covered by the bar chart. The performance table following the bar chart shows the Fund&#8217;s average annual total returns for the Retirement, Institutional, Advisor and Premier classes over the applicable one-year, five-year, ten-year and since-inception periods ended December 31, 2018, and how those returns compare to those of a broad-based securities market index and a composite index based on the Fund&#8217;s target allocations. After-tax performance is shown only for the Retirement Class shares, and after-tax returns for the other classes of shares will vary from the after-tax returns presented for Retirement Class&#160;shares. </p> <br/><p style="font-family:Sans-Serif; font-size:9.5pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt">The returns shown below reflect previous agreements by Advisors to waive or reimburse the Fund and certain Underlying Funds for certain fees and expenses. Without these waivers and reimbursements, the returns of the Fund would have been lower. Past performance of the Fund (before and after taxes) is not necessarily an indication of how it will perform in the future. The indices listed below are unmanaged, and you cannot invest directly in an index. The returns for the indices reflect no deduction for fees, expenses or taxes.</p> <br/><p style="font-family:Sans-Serif; font-size:9.5pt; font-style:italic; font-weight:normal; text-align:left; text-indent:12.25pt">For current performance information of each share class, including performance to the most recent month-end, please visit www.tiaa.org.</p> ANNUAL TOTAL RETURNS FOR THE RETIREMENT CLASS SHARES (%)&#8224; Lifecycle Index 2015 Fund 0.1103 0.0228 0.1107 0.1254 0.0607 -0.0028 0.0587 0.1197 -0.0350 ~ http://www.TIAA.com/20190926/role/ScheduleAnnualTotalReturnsBarChart20102 column dei_LegalEntityAxis compact cik0001084380_S000026501Member row primary compact * ~ Best quarter: 0.0863 2010-09-30 Worst quarter: -0.0809 2011-09-30 The year-to-date return as of the most recent calendar quarter, which ended on June 30, 2019, was 0.1065 2019-06-30 <p style="font-family:Sans-Serif; font-size:1.0pt; font-style:normal; font-weight:normal; text-align:left"><font style="font-family:Sans-Serif; font-size:8.5pt; font-weight:normal">Best quarter: 8.63%, for the quarter ended September 30, 2010. Worst quarter: -8.09%, for the quarter ended September 30, 2011.</font></p> <p style="font-family:Sans-Serif; font-size:1.0pt; font-style:normal; font-weight:normal; margin-left:09.00pt; text-align:left; text-indent:-09.00pt"><font style="font-family:Sans-Serif; font-size:8.5pt; font-weight:normal"><sup>&#8224;</sup></font><font style="font-family:Sans-Serif; font-size:8.5pt; font-weight:normal"><font style="word-spacing:5.5pt">&#160;</font>The year-to-date return as of the most recent calendar quarter, which ended on June 30, 2019, was 10.65%.</font></p> -0.0350 0.0389 0.0635 -0.0437 0.0314 0.0570 -0.0181 0.0278 0.0489 -0.0329 0.0414 0.0661 -0.0331 0.0404 0.0643 -0.0345 0.0398 0.0645 -0.0367 0.0379 0.0621 -0.0336 0.0421 0.0674 2015-12-04 2009-09-30 2009-09-30 2009-09-30 ~ http://www.TIAA.com/20190926/role/ScheduleAverageAnnualReturnsTransposed20103 column dei_LegalEntityAxis compact cik0001084380_S000026501Member column rr_PerformanceMeasureAxis compact * row primary compact * ~ <p style="font-family: Sans-Serif; font-size: 8.5pt; font-style: italic; font-weight: normal; text-align: left;">Current performance of the Fund&#8217;s shares may be higher or lower than that shown above.</p> <br/><p>After-tax returns are calculated using the historical highest individual federal marginal income tax rates in effect during the periods shown and do not reflect the impact of state and local taxes. Actual after-tax returns depend on the investor&#8217;s tax situation and may differ from those shown. The after-tax returns shown are not relevant to investors who hold their Fund shares through tax-deferred arrangements such as 401(a), 401(k) or 403(b) plans or Individual Retirement Accounts (IRAs). After-tax returns are shown for only one class, and after-tax returns for other classes will vary.</p> As of the close of business on December 31, 2018, the Lifecycle Index 2015 Fund Composite Index consisted of: 38.7% Bloomberg Barclays U.S. Aggregate Bond Index; 32.5% Russell 3000&#174; Index; 14.0% MSCI EAFE + Emerging Markets Index; 7.4% Bloomberg Barclays U.S. 1-3 Year Government/Credit Bond Index; and 7.4% Bloomberg Barclays U.S. Treasury Inflation Protected Securities (TIPS) 1-10 Year Index. The Fund&#8217;s composite benchmark, the components that make up a composite benchmark and the method of calculating a composite benchmark&#8217;s performance may vary over time. The after-tax returns shown are not relevant to investors who hold their Fund shares through tax-deferred arrangements such as 401(a), 401(k) or 403(b) plans or Individual Retirement Accounts (IRAs). (reflects no deductions for fees, expenses or taxes) After-tax performance is shown only for the Retirement Class shares, and after-tax returns for the other classes of shares will vary from the after-tax returns presented for Retirement Class shares. Past performance of the Fund (before and after taxes) is not necessarily an indication of how it will perform in the future. AVERAGE ANNUAL TOTAL RETURNS For the Periods Ended December 31, 2018 The following chart and table help illustrate some of the risks of investing in the Fund by showing changes in the Fund&#8217;s performance from year to year. After-tax returns are calculated using the historical highest individual federal marginal income tax rates in effect during the periods shown and do not reflect the impact of state and local taxes. www.tiaa.org Example <p style="font-family:Sans-Serif; font-size:1.0pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt"><font style="font-family:Sans-Serif; font-size:9.5pt; font-weight:normal">This example is intended to help you compare the cost of investing in shares of the Fund with the cost of investing in other mutual funds. The example assumes that you invest $10,000 in the Fund for the time periods indicated and then redeem all your shares at the end of those periods. The example also assumes that your investment has a 5% return each year and that the Fund&#8217;s operating expenses, before fee waivers and/or expense reimbursements, remain the same. The example assumes that the Fund&#8217;s fee waiver and/or expense reimbursement arrangements will each remain in place for the durations noted in the table above. Although your actual costs may be higher or lower, based on these assumptions your costs would be: </font></p> 10 18 26 36 61 87 109 141 116 161 200 256 280 381 468 591 ~ http://www.TIAA.com/20190926/role/ScheduleExpenseExample20101 column dei_LegalEntityAxis compact cik0001084380_S000026501Member row primary compact * ~ Portfolio turnover <p style="font-family:Sans-Serif; font-size:9.5pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt">The Fund pays transaction costs, such as commissions, when it buys and sells securities (or &#8220;turns over&#8221; its portfolio). A higher portfolio turnover rate may indicate higher transaction costs and may result in higher taxes when Fund shares are held in a taxable account. These costs, which are not reflected in annual fund operating expenses or in the example, affect the Fund&#8217;s performance. During the fiscal year ended May 31, 2019, the Fund&#8217;s portfolio turnover rate was 17% of the average value of its portfolio.</p> 0.17 Fees and expenses <p style="font-family:Sans-Serif; font-size:9.5pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt">This table describes the fees and expenses that you may pay if you buy and hold shares of the Fund. 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SHAREHOLDER FEES (fees paid directly from your investment) ANNUAL FUND OPERATING EXPENSES (expenses that you pay each year as a percentage of the value of your investment) TIAA-CREF Lifecycle Index 2020 Fund Investment objective <p style="font-family:Sans-Serif; font-size:9.5pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt">The Lifecycle Index 2020 Fund seeks high total return over time through a combination of capital appreciation and income.</p> Principal investment risks <p style="font-family:Sans-Serif; font-size:1.0pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt"><font style="font-family:Sans-Serif; font-size:9.5pt; font-weight:normal">You could lose money over short or long periods by investing in this Fund. 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font-size:8.5pt; font-style:normal; font-weight:normal; margin-left:09.35pt; text-align:right; text-indent:-09.35pt">100.00%</p></td><td style="border-bottom:0.5pt; border-bottom-color:#000000; border-bottom-style:solid; border-top:0.5pt; border-top-color:#000000; border-top-style:solid; font-size:1pt; vertical-align:bottom">&#160;</td><td style="border-bottom:0.5pt; border-bottom-color:#000000; border-bottom-style:solid; border-top:0.5pt; border-top-color:#000000; border-top-style:solid; font-size:1pt; vertical-align:bottom">&#160;</td><td style="border-bottom:0.5pt; border-bottom-color:#000000; border-bottom-style:solid; border-top:0.5pt; border-top-color:#000000; border-top-style:solid; vertical-align:bottom"><p style="font-family:Sans-Serif; font-size:8.5pt; font-style:normal; font-weight:normal; margin-left:09.35pt; text-align:right; text-indent:-09.35pt">100.00%</p></td></tr></table> <br/><p style="font-family:Sans-Serif; font-size:9.5pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt">The following chart shows how the investment glidepath for the Fund is expected to gradually move the Fund&#8217;s target allocations over time between the different target market sector allocations. The actual market sector allocations of the Fund may differ from this chart. The Fund seeks to achieve its final target market sector allocations approximately 30 years following the target&#160;date. </p> <br/><table border="0" cellpadding="0" cellspacing="0" style="width: 100%; border-collapse: collapse; font: 11pt Calibri, Helvetica, Sans-Serif"> <tr style="vertical-align: bottom"> <td colspan="6" style="border-top: Black 0.5pt solid; border-right: black 0.5pt solid; border-bottom: Black 0.5pt solid; border-left: Black 0.5pt solid; text-align: center">Lifecycle Index Funds Glidepath as of June 30, 2020</td></tr> <tr style="vertical-align: bottom"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1pt solid; text-align: center; width: 20%">Years to Target Retirement Date</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1pt solid; text-align: center; width: 16%">US Equities</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1pt solid; text-align: center; width: 16%">International Equities</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1pt solid; text-align: center; width: 16%">Fixed Income</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1pt solid; text-align: center; width: 16%">Short Term Fixed Income</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1pt solid; text-align: center; width: 16%">Inflation Protected Bonds</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">45</td> <td style="text-align: center">66.50%</td> <td style="text-align: center">28.50%</td> <td style="text-align: center">5.00%</td> <td style="text-align: center">0.00%</td> <td style="text-align: center">0.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">40</td> <td style="text-align: center">65.62%</td> <td style="text-align: center">28.13%</td> <td style="text-align: center">6.25%</td> <td style="text-align: center">0.00%</td> <td style="text-align: center">0.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">35</td> <td style="text-align: center">64.75%</td> <td style="text-align: center">27.75%</td> <td style="text-align: center">7.50%</td> <td style="text-align: center">0.00%</td> <td style="text-align: center">0.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">30</td> <td style="text-align: center">63.87%</td> <td style="text-align: center">27.38%</td> <td style="text-align: center">8.75%</td> <td style="text-align: center">0.00%</td> <td style="text-align: center">0.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">25</td> <td style="text-align: center">63.00%</td> <td style="text-align: center">27.00%</td> <td style="text-align: center">10.00%</td> <td style="text-align: center">0.00%</td> <td style="text-align: center">0.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">20</td> <td style="text-align: center">57.40%</td> <td style="text-align: center">24.60%</td> <td style="text-align: center">18.00%</td> <td style="text-align: center">0.00%</td> <td style="text-align: center">0.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">15</td> <td style="text-align: center">51.80%</td> <td style="text-align: center">22.20%</td> <td style="text-align: center">26.00%</td> <td style="text-align: center">0.00%</td> <td style="text-align: center">0.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">10</td> <td style="text-align: center">46.20%</td> <td style="text-align: center">19.80%</td> <td style="text-align: center">30.00%</td> <td style="text-align: center">2.00%</td> <td style="text-align: center">2.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">5</td> <td style="text-align: center">40.60%</td> <td style="text-align: center">17.40%</td> <td style="text-align: center">34.00%</td> <td style="text-align: center">4.00%</td> <td style="text-align: center">4.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">0</td> <td style="text-align: center">35.00%</td> <td style="text-align: center">15.00%</td> <td style="text-align: center">38.00%</td> <td style="text-align: center">6.00%</td> <td style="text-align: center">6.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">-5</td> <td style="text-align: center">31.50%</td> <td style="text-align: center">13.50%</td> <td style="text-align: center">39.00%</td> <td style="text-align: center">8.00%</td> <td style="text-align: center">8.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">-10</td> <td style="text-align: center">28.00%</td> <td style="text-align: center">12.00%</td> <td style="text-align: center">40.00%</td> <td style="text-align: center">10.00%</td> <td style="text-align: center">10.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">-15</td> <td style="text-align: center">24.50%</td> <td style="text-align: center">10.50%</td> <td style="text-align: center">40.00%</td> <td style="text-align: center">15.00%</td> <td style="text-align: center">10.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">-20</td> <td style="text-align: center">21.00%</td> <td style="text-align: center">9.00%</td> <td style="text-align: center">40.00%</td> <td style="text-align: center">20.00%</td> <td style="text-align: center">10.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">-25</td> <td style="text-align: center">17.50%</td> <td style="text-align: center">7.50%</td> <td style="text-align: center">40.00%</td> <td style="text-align: center">25.00%</td> <td style="text-align: center">10.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">-30</td> <td style="text-align: center">14.00%</td> <td style="text-align: center">6.00%</td> <td style="text-align: center">40.00%</td> <td style="text-align: center">30.00%</td> <td style="text-align: center">10.00%</td></tr> </table> <br/><p style="font-family:Sans-Serif; font-size:9.5pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt">The Fund is designed to accommodate investors who invest in a fund up to their target retirement date, and plan to make gradual systematic withdrawals in retirement. In addition, investors should note that the Fund will continue to have a significant level of equity exposure up to, through and after its target retirement date, and this exposure could cause significant fluctuations in the value of the Fund depending on the performance of the equity markets generally.</p> <br/><p style="font-family:Sans-Serif; font-size:9.5pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt">After the Fund reaches its final target allocation, the Board of Trustees may authorize the merger of the Fund into another Lifecycle Index Fund which has also reached its final target allocation or other similar fund designed to maintain a relatively stable asset allocation reflecting the resting point on the glidepath described in the chart above. Fund shareholders will receive prior notice of any such merger.</p> Past performance <p style="font-family:Sans-Serif; font-size:9.5pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt">The following chart and table help illustrate some of the risks of investing in the Fund by showing changes in the Fund&#8217;s performance from year to year. The bar chart shows the annual total returns of the Retirement Class of the Fund, before taxes, in each full calendar year since inception of the Retirement Class. Because the expenses vary across share classes, the performance of the Retirement Class may vary from the other share classes. Below the bar chart are the best and worst returns of the Retirement Class for a calendar quarter during the full calendar-year periods covered by the bar chart. The performance table following the bar chart shows the Fund&#8217;s average annual total returns for the Retirement, Institutional, Advisor and Premier classes over the applicable one-year, five-year, ten-year and since-inception periods ended December 31, 2018, and how those returns compare to those of a broad-based securities market index and a composite index based on the Fund&#8217;s target allocations. After-tax performance is shown only for the Retirement Class shares, and after-tax returns for the other classes of shares will vary from the after-tax returns presented for Retirement Class&#160;shares. </p> <br/><p style="font-family:Sans-Serif; font-size:9.5pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt">The returns shown below reflect previous agreements by Advisors to waive or reimburse the Fund and certain Underlying Funds for certain fees and expenses. Without these waivers and reimbursements, the returns of the Fund would have been lower. Past performance of the Fund (before and after taxes) is not necessarily an indication of how it will perform in the future. The indices listed below are unmanaged, and you cannot invest directly in an index. The returns for the indices reflect no deduction for fees, expenses or taxes.</p> <br/><p style="font-family:Sans-Serif; font-size:9.5pt; font-style:italic; font-weight:normal; text-align:left; text-indent:12.25pt">For current performance information of each share class, including performance to the most recent month-end, please visit www.tiaa.org.</p> ANNUAL TOTAL RETURNS FOR THE RETIREMENT CLASS SHARES (%)&#8224; Lifecycle Index 2020 Fund 0.1169 0.0132 0.1196 0.1527 0.0627 -0.0042 0.0641 0.1337 -0.0397 ~ http://www.TIAA.com/20190926/role/ScheduleAnnualTotalReturnsBarChart20109 column dei_LegalEntityAxis compact cik0001084380_S000026502Member row primary compact * ~ Best quarter: 0.0939 2010-09-30 Worst quarter: -0.0969 2011-09-30 The year-to-date return as of the most recent calendar quarter, which ended on June 30, 2019, was 0.1135 2019-06-30 <p style="font-family:Sans-Serif; font-size:1.0pt; font-style:normal; font-weight:normal; text-align:left"><font style="font-family:Sans-Serif; font-size:8.5pt; font-weight:normal">Best quarter: 9.39%, for the quarter ended September 30, 2010. Worst quarter: -9.69%, for the quarter ended September 30, 2011.</font></p> <p style="font-family:Sans-Serif; font-size:1.0pt; font-style:normal; font-weight:normal; margin-left:09.00pt; text-align:left; text-indent:-09.00pt"><font style="font-family:Sans-Serif; font-size:8.5pt; font-weight:normal"><sup>&#8224;</sup></font><font style="font-family:Sans-Serif; font-size:8.5pt; font-weight:normal"><font style="word-spacing:5.5pt">&#160;</font>The year-to-date return as of the most recent calendar quarter, which ended on June 30, 2019, was 11.35%.</font></p> -0.0397 0.0416 0.0686 -0.0474 0.0347 0.0626 -0.0211 0.0303 0.0535 -0.0375 0.0441 0.0712 -0.0386 0.0427 0.0692 -0.0392 0.0425 0.0696 -0.0416 0.0410 0.0682 -0.0383 0.0448 0.0725 2015-12-04 2009-09-30 2009-09-30 2009-09-30 ~ http://www.TIAA.com/20190926/role/ScheduleAverageAnnualReturnsTransposed20110 column dei_LegalEntityAxis compact cik0001084380_S000026502Member column rr_PerformanceMeasureAxis compact * row primary compact * ~ <p style="font-family: Sans-Serif; font-size: 8.5pt; font-style: italic; font-weight: normal; text-align: left;">Current performance of the Fund&#8217;s shares may be higher or lower than that shown above.</p> <br/><p>After-tax returns are calculated using the historical highest individual federal marginal income tax rates in effect during the periods shown and do not reflect the impact of state and local taxes. Actual after-tax returns depend on the investor&#8217;s tax situation and may differ from those shown. The after-tax returns shown are not relevant to investors who hold their Fund shares through tax-deferred arrangements such as 401(a), 401(k) or 403(b) plans or Individual Retirement Accounts (IRAs). After-tax returns are shown for only one class, and after-tax returns for other classes will vary.</p> As of the close of business on December 31, 2018, the Lifecycle Index 2020 Fund Composite Index consisted of: 36.8% Bloomberg Barclays U.S. Aggregate Bond Index; 36.7% Russell 3000&#174; Index; 15.7% MSCI EAFE + Emerging Markets Index; 5.4% Bloomberg Barclays U.S. 1-3 Year Government/Credit Bond Index; and 5.4% Bloomberg Barclays U.S. Treasury Inflation Protected Securities (TIPS) 1-10 Year Index. The Fund&#8217;s composite benchmark, the components that make up a composite benchmark and the method of calculating a composite benchmark&#8217;s performance may vary over time. The after-tax returns shown are not relevant to investors who hold their Fund shares through tax-deferred arrangements such as 401(a), 401(k) or 403(b) plans or Individual Retirement Accounts (IRAs). (reflects no deductions for fees, expenses or taxes) After-tax performance is shown only for the Retirement Class shares, and after-tax returns for the other classes of shares will vary from the after-tax returns presented for Retirement Class shares. Past performance of the Fund (before and after taxes) is not necessarily an indication of how it will perform in the future. AVERAGE ANNUAL TOTAL RETURNS For the Periods Ended December 31, 2018 The following chart and table help illustrate some of the risks of investing in the Fund by showing changes in the Fund&#8217;s performance from year to year. After-tax returns are calculated using the historical highest individual federal marginal income tax rates in effect during the periods shown and do not reflect the impact of state and local taxes. www.tiaa.org Example <p style="font-family:Sans-Serif; font-size:1.0pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt"><font style="font-family:Sans-Serif; font-size:9.5pt; font-weight:normal">This example is intended to help you compare the cost of investing in shares of the Fund with the cost of investing in other mutual funds. The example assumes that you invest $10,000 in the Fund for the time periods indicated and then redeem all your shares at the end of those periods. The example also assumes that your investment has a 5% return each year and that the Fund&#8217;s operating expenses, before fee waivers and/or expense reimbursements, remain the same. The example assumes that the Fund&#8217;s fee waiver and/or expense reimbursement arrangements will each remain in place for the durations noted in the table above. Although your actual costs may be higher or lower, based on these assumptions your costs would be: </font></p> 10 18 26 36 56 82 105 137 107 152 191 247 257 357 445 569 ~ http://www.TIAA.com/20190926/role/ScheduleExpenseExample20108 column dei_LegalEntityAxis compact cik0001084380_S000026502Member row primary compact * ~ Portfolio turnover <p style="font-family:Sans-Serif; font-size:9.5pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt">The Fund pays transaction costs, such as commissions, when it buys and sells securities (or &#8220;turns over&#8221; its portfolio). A higher portfolio turnover rate may indicate higher transaction costs and may result in higher taxes when Fund shares are held in a taxable account. These costs, which are not reflected in annual fund operating expenses or in the example, affect the Fund&#8217;s performance. During the fiscal year ended May 31, 2019, the Fund&#8217;s portfolio turnover rate was 12% of the average value of its portfolio.</p> 0.12 Fees and expenses <p style="font-family:Sans-Serif; font-size:9.5pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt">This table describes the fees and expenses that you may pay if you buy and hold shares of the Fund. In addition to the fees and expenses described below, investors may be required to pay a commission to a broker-dealer or other financial intermediary on purchases and sales of Institutional Class or Advisor Class shares of the Fund.</p> 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.0018 0.0018 0.0018 0.0018 0.0015 0.0003 0.0011 0.0003 0.0028 0.0021 0.0029 0.0036 0.0046 -0.0011 -0.0011 -0.0011 -0.0011 0.0010 0.0018 0.0025 0.0035 ~ http://www.TIAA.com/20190926/role/ScheduleShareholderFees20106 column dei_LegalEntityAxis compact cik0001084380_S000026502Member row primary compact * ~ ~ http://www.TIAA.com/20190926/role/ScheduleAnnualFundOperatingExpenses20107 column dei_LegalEntityAxis compact cik0001084380_S000026502Member row primary compact * ~ Restated to reflect estimates for the current fiscal year. SHAREHOLDER FEES (fees paid directly from your investment) ANNUAL FUND OPERATING EXPENSES (expenses that you pay each year as a percentage of the value of your investment) TIAA-CREF Lifecycle Index 2025 Fund Investment objective <p style="font-family:Sans-Serif; font-size:9.5pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt">The Lifecycle Index 2025 Fund seeks high total return over time through a combination of capital appreciation and income.</p> Principal investment risks <p style="font-family:Sans-Serif; font-size:1.0pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt"><font style="font-family:Sans-Serif; font-size:9.5pt; font-weight:normal">You could lose money over short or long periods by investing in this Fund. 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font-size:8.5pt; font-style:normal; font-weight:normal; margin-left:09.35pt; text-align:right; text-indent:-09.35pt">100.00%</p></td><td style="border-bottom:0.5pt; border-bottom-color:#000000; border-bottom-style:solid; border-top:0.5pt; border-top-color:#000000; border-top-style:solid; font-size:1pt; vertical-align:bottom">&#160;</td><td style="border-bottom:0.5pt; border-bottom-color:#000000; border-bottom-style:solid; border-top:0.5pt; border-top-color:#000000; border-top-style:solid; font-size:1pt; vertical-align:bottom">&#160;</td><td style="border-bottom:0.5pt; border-bottom-color:#000000; border-bottom-style:solid; border-top:0.5pt; border-top-color:#000000; border-top-style:solid; vertical-align:bottom"><p style="font-family:Sans-Serif; font-size:8.5pt; font-style:normal; font-weight:normal; margin-left:09.35pt; text-align:right; text-indent:-09.35pt">100.00%</p></td></tr></table> <br/><p style="font-family:Sans-Serif; font-size:9.5pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt">The following chart shows how the investment glidepath for the Fund is expected to gradually move the Fund&#8217;s target allocations over time between the different target market sector allocations. The actual market sector allocations of the Fund may differ from this chart. The Fund seeks to achieve its final target market sector allocations approximately 30 years following the target&#160;date. </p> <br/><table border="0" cellpadding="0" cellspacing="0" style="width: 100%; border-collapse: collapse; font: 11pt Calibri, Helvetica, Sans-Serif"> <tr style="vertical-align: bottom"> <td colspan="6" style="border-top: Black 0.5pt solid; border-right: black 0.5pt solid; border-bottom: Black 0.5pt solid; border-left: Black 0.5pt solid; text-align: center">Lifecycle Index Funds Glidepath as of June 30, 2020</td></tr> <tr style="vertical-align: bottom"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1pt solid; text-align: center; width: 20%">Years to Target Retirement Date</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1pt solid; text-align: center; width: 16%">US Equities</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1pt solid; text-align: center; width: 16%">International Equities</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1pt solid; text-align: center; width: 16%">Fixed Income</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1pt solid; text-align: center; width: 16%">Short Term Fixed Income</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1pt solid; text-align: center; width: 16%">Inflation Protected Bonds</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">45</td> <td style="text-align: center">66.50%</td> <td style="text-align: center">28.50%</td> <td style="text-align: center">5.00%</td> <td style="text-align: center">0.00%</td> <td style="text-align: center">0.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">40</td> <td style="text-align: center">65.62%</td> <td style="text-align: center">28.13%</td> <td style="text-align: center">6.25%</td> <td style="text-align: center">0.00%</td> <td style="text-align: center">0.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">35</td> <td style="text-align: center">64.75%</td> <td style="text-align: center">27.75%</td> <td style="text-align: center">7.50%</td> <td style="text-align: center">0.00%</td> <td style="text-align: center">0.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">30</td> <td style="text-align: center">63.87%</td> <td style="text-align: center">27.38%</td> <td style="text-align: center">8.75%</td> <td style="text-align: center">0.00%</td> <td style="text-align: center">0.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">25</td> <td style="text-align: center">63.00%</td> <td style="text-align: center">27.00%</td> <td style="text-align: center">10.00%</td> <td style="text-align: center">0.00%</td> <td style="text-align: center">0.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">20</td> <td style="text-align: center">57.40%</td> <td style="text-align: center">24.60%</td> <td style="text-align: center">18.00%</td> <td style="text-align: center">0.00%</td> <td style="text-align: center">0.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">15</td> <td style="text-align: center">51.80%</td> <td style="text-align: center">22.20%</td> <td style="text-align: center">26.00%</td> <td style="text-align: center">0.00%</td> <td style="text-align: center">0.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">10</td> <td style="text-align: center">46.20%</td> <td style="text-align: center">19.80%</td> <td style="text-align: center">30.00%</td> <td style="text-align: center">2.00%</td> <td style="text-align: center">2.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">5</td> <td style="text-align: center">40.60%</td> <td style="text-align: center">17.40%</td> <td style="text-align: center">34.00%</td> <td style="text-align: center">4.00%</td> <td style="text-align: center">4.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">0</td> <td style="text-align: center">35.00%</td> <td style="text-align: center">15.00%</td> <td style="text-align: center">38.00%</td> <td style="text-align: center">6.00%</td> <td style="text-align: center">6.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">-5</td> <td style="text-align: center">31.50%</td> <td style="text-align: center">13.50%</td> <td style="text-align: center">39.00%</td> <td style="text-align: center">8.00%</td> <td style="text-align: center">8.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">-10</td> <td style="text-align: center">28.00%</td> <td style="text-align: center">12.00%</td> <td style="text-align: center">40.00%</td> <td style="text-align: center">10.00%</td> <td style="text-align: center">10.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">-15</td> <td style="text-align: center">24.50%</td> <td style="text-align: center">10.50%</td> <td style="text-align: center">40.00%</td> <td style="text-align: center">15.00%</td> <td style="text-align: center">10.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">-20</td> <td style="text-align: center">21.00%</td> <td style="text-align: center">9.00%</td> <td style="text-align: center">40.00%</td> <td style="text-align: center">20.00%</td> <td style="text-align: center">10.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">-25</td> <td style="text-align: center">17.50%</td> <td style="text-align: center">7.50%</td> <td style="text-align: center">40.00%</td> <td style="text-align: center">25.00%</td> <td style="text-align: center">10.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">-30</td> <td style="text-align: center">14.00%</td> <td style="text-align: center">6.00%</td> <td style="text-align: center">40.00%</td> <td style="text-align: center">30.00%</td> <td style="text-align: center">10.00%</td></tr> </table> <br/><p style="font-family:Sans-Serif; font-size:9.5pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt">The Fund is designed to accommodate investors who invest in a fund up to their target retirement date, and plan to make gradual systematic withdrawals in retirement. In addition, investors should note that the Fund will continue to have a significant level of equity exposure up to, through and after its target retirement date, and this exposure could cause significant fluctuations in the value of the Fund depending on the performance of the equity markets generally.</p> <br/><p style="font-family:Sans-Serif; font-size:9.5pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt">After the Fund reaches its final target allocation, the Board of Trustees may authorize the merger of the Fund into another Lifecycle Index Fund which has also reached its final target allocation or other similar fund designed to maintain a relatively stable asset allocation reflecting the resting point on the glidepath described in the chart above. Fund shareholders will receive prior notice of any such merger.</p> Past performance <p style="font-family:Sans-Serif; font-size:9.5pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt">The following chart and table help illustrate some of the risks of investing in the Fund by showing changes in the Fund&#8217;s performance from year to year. The bar chart shows the annual total returns of the Retirement Class of the Fund, before taxes, in each full calendar year since inception of the Retirement Class. Because the expenses vary across share classes, the performance of the Retirement Class may vary from the other share classes. Below the bar chart are the best and worst returns of the Retirement Class for a calendar quarter during the full calendar-year periods covered by the bar chart. The performance table following the bar chart shows the Fund&#8217;s average annual total returns for the Retirement, Institutional, Advisor and Premier classes over the applicable one-year, five-year, ten-year and since-inception periods ended December 31, 2018, and how those returns compare to those of a broad-based securities market index and a composite index based on the Fund&#8217;s target allocations. After-tax performance is shown only for the Retirement Class shares, and after-tax returns for the other classes of shares will vary from the after-tax returns presented for Retirement Class&#160;shares. </p> <br/><p style="font-family:Sans-Serif; font-size:9.5pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt">The returns shown below reflect previous agreements by Advisors to waive or reimburse the Fund and certain Underlying Funds for certain fees and expenses. Without these waivers and reimbursements, the returns of the Fund would have been lower. Past performance of the Fund (before and after taxes) is not necessarily an indication of how it will perform in the future. The indices listed below are unmanaged, and you cannot invest directly in an index. The returns for the indices reflect no deduction for fees, expenses or taxes.</p> <br/><p style="font-family:Sans-Serif; font-size:9.5pt; font-style:italic; font-weight:normal; text-align:left; text-indent:12.25pt">For current performance information of each share class, including performance to the most recent month-end, please visit www.tiaa.org.</p> ANNUAL TOTAL RETURNS FOR THE RETIREMENT CLASS SHARES (%)&#8224; Lifecycle Index 2025 Fund 0.1231 0.0038 0.1300 0.1787 0.0639 -0.0052 0.0700 0.1509 -0.0465 ~ http://www.TIAA.com/20190926/role/ScheduleAnnualTotalReturnsBarChart20116 column dei_LegalEntityAxis compact cik0001084380_S000026503Member row primary compact * ~ Best quarter: 0.1018 2010-09-30 Worst quarter: -0.1134 2011-09-30 The year-to-date return as of the most recent calendar quarter, which ended on June 30, 2019, was 0.1234 2019-06-30 <p style="font-family:Sans-Serif; font-size:1.0pt; font-style:normal; font-weight:normal; text-align:left"><font style="font-family:Sans-Serif; font-size:8.5pt; font-weight:normal">Best quarter: 10.18%, for the quarter ended September 30, 2010. Worst quarter: -11.34%, for the quarter ended September 30, 2011.</font></p> <p style="font-family:Sans-Serif; font-size:1.0pt; font-style:normal; font-weight:normal; margin-left:09.00pt; text-align:left; text-indent:-09.00pt"><font style="font-family:Sans-Serif; font-size:8.5pt; font-weight:normal"><sup>&#8224;</sup></font><font style="font-family:Sans-Serif; font-size:8.5pt; font-weight:normal"><font style="word-spacing:5.5pt">&#160;</font>The year-to-date return as of the most recent calendar quarter, which ended on June 30, 2019, was 12.34%.</font></p> -0.0465 0.0444 0.0738 -0.0534 0.0378 0.0681 -0.0251 0.0328 0.0582 -0.0442 0.0470 0.0765 -0.0449 0.0456 0.0745 -0.0458 0.0453 0.0749 -0.0502 0.0431 0.0731 -0.0449 0.0477 0.0777 2015-12-04 2009-09-30 2009-09-30 2009-09-30 ~ http://www.TIAA.com/20190926/role/ScheduleAverageAnnualReturnsTransposed20117 column dei_LegalEntityAxis compact cik0001084380_S000026503Member column rr_PerformanceMeasureAxis compact * row primary compact * ~ <p style="font-family: Sans-Serif; font-size: 8.5pt; font-style: italic; font-weight: normal; text-align: left;">Current performance of the Fund&#8217;s shares may be higher or lower than that shown above.</p> <br/><p>After-tax returns are calculated using the historical highest individual federal marginal income tax rates in effect during the periods shown and do not reflect the impact of state and local taxes. Actual after-tax returns depend on the investor&#8217;s tax situation and may differ from those shown. The after-tax returns shown are not relevant to investors who hold their Fund shares through tax-deferred arrangements such as 401(a), 401(k) or 403(b) plans or Individual Retirement Accounts (IRAs). After-tax returns are shown for only one class, and after-tax returns for other classes will vary.</p> As of the close of business on December 31, 2018, the Lifecycle Index 2025 Fund Composite Index consisted of: 42.3% Russell 3000&#174; Index; 32.8% Bloomberg Barclays U.S. Aggregate Bond Index; 18.1% MSCI EAFE + Emerging Markets Index; 3.4% Bloomberg Barclays U.S. 1-3 Year Government/Credit Bond Index; and 3.4% Bloomberg Barclays U.S. Treasury Inflation Protected Securities (TIPS) 1-10 Year Index. The Fund&#8217;s composite benchmark, the components that make up a composite benchmark and the method of calculating a composite benchmark&#8217;s performance may vary over time. The after-tax returns shown are not relevant to investors who hold their Fund shares through tax-deferred arrangements such as 401(a), 401(k) or 403(b) plans or Individual Retirement Accounts (IRAs). (reflects no deductions for fees, expenses or taxes) After-tax performance is shown only for the Retirement Class shares, and after-tax returns for the other classes of shares will vary from the after-tax returns presented for Retirement Class shares. Past performance of the Fund (before and after taxes) is not necessarily an indication of how it will perform in the future. AVERAGE ANNUAL TOTAL RETURNS For the Periods Ended December 31, 2018 The following chart and table help illustrate some of the risks of investing in the Fund by showing changes in the Fund&#8217;s performance from year to year. After-tax returns are calculated using the historical highest individual federal marginal income tax rates in effect during the periods shown and do not reflect the impact of state and local taxes. www.tiaa.org Example <p style="font-family:Sans-Serif; font-size:1.0pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt"><font style="font-family:Sans-Serif; font-size:9.5pt; font-weight:normal">This example is intended to help you compare the cost of investing in shares of the Fund with the cost of investing in other mutual funds. The example assumes that you invest $10,000 in the Fund for the time periods indicated and then redeem all your shares at the end of those periods. The example also assumes that your investment has a 5% return each year and that the Fund&#8217;s operating expenses, before fee waivers and/or expense reimbursements, remain the same. The example assumes that the Fund&#8217;s fee waiver and/or expense reimbursement arrangements will each remain in place for the durations noted in the table above. Although your actual costs may be higher or lower, based on these assumptions your costs would be: </font></p> 10 20 26 36 56 89 105 137 107 163 191 247 257 382 445 569 ~ http://www.TIAA.com/20190926/role/ScheduleExpenseExample20115 column dei_LegalEntityAxis compact cik0001084380_S000026503Member row primary compact * ~ Portfolio turnover <p style="font-family:Sans-Serif; font-size:9.5pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt">The Fund pays transaction costs, such as commissions, when it buys and sells securities (or &#8220;turns over&#8221; its portfolio). A higher portfolio turnover rate may indicate higher transaction costs and may result in higher taxes when Fund shares are held in a taxable account. These costs, which are not reflected in annual fund operating expenses or in the example, affect the Fund&#8217;s performance. During the fiscal year ended May 31, 2019, the Fund&#8217;s portfolio turnover rate was 11% of the average value of its portfolio.</p> 0.11 Fees and expenses <p style="font-family:Sans-Serif; font-size:9.5pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt">This table describes the fees and expenses that you may pay if you buy and hold shares of the Fund. 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text-indent:12.25pt">The following chart shows how the investment glidepath for the Fund is expected to gradually move the Fund&#8217;s target allocations over time between the different target market sector allocations. The actual market sector allocations of the Fund may differ from this chart. The Fund seeks to achieve its final target market sector allocations approximately 30 years following the target&#160;date. </p> <br/><table border="0" cellpadding="0" cellspacing="0" style="width: 100%; border-collapse: collapse; font: 11pt Calibri, Helvetica, Sans-Serif"> <tr style="vertical-align: bottom"> <td colspan="6" style="border-top: Black 0.5pt solid; border-right: black 0.5pt solid; border-bottom: Black 0.5pt solid; border-left: Black 0.5pt solid; text-align: center">Lifecycle Index Funds Glidepath as of June 30, 2020</td></tr> <tr style="vertical-align: bottom"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1pt solid; text-align: center; width: 20%">Years to Target Retirement Date</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1pt solid; text-align: center; width: 16%">US Equities</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1pt solid; text-align: center; width: 16%">International 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style="text-align: center">0.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">35</td> <td style="text-align: center">64.75%</td> <td style="text-align: center">27.75%</td> <td style="text-align: center">7.50%</td> <td style="text-align: center">0.00%</td> <td style="text-align: center">0.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">30</td> <td style="text-align: center">63.87%</td> <td style="text-align: center">27.38%</td> <td style="text-align: center">8.75%</td> <td style="text-align: center">0.00%</td> <td style="text-align: center">0.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">25</td> <td style="text-align: center">63.00%</td> <td style="text-align: center">27.00%</td> <td style="text-align: center">10.00%</td> <td style="text-align: center">0.00%</td> <td style="text-align: center">0.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">20</td> <td style="text-align: center">57.40%</td> <td style="text-align: center">24.60%</td> <td style="text-align: center">18.00%</td> <td style="text-align: center">0.00%</td> <td style="text-align: center">0.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">15</td> <td style="text-align: center">51.80%</td> <td style="text-align: center">22.20%</td> <td style="text-align: center">26.00%</td> <td style="text-align: center">0.00%</td> <td style="text-align: center">0.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">10</td> <td style="text-align: center">46.20%</td> <td style="text-align: center">19.80%</td> <td style="text-align: center">30.00%</td> <td style="text-align: center">2.00%</td> <td style="text-align: center">2.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">5</td> <td style="text-align: center">40.60%</td> <td style="text-align: center">17.40%</td> <td style="text-align: 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style="vertical-align: bottom"> <td style="text-align: center">-15</td> <td style="text-align: center">24.50%</td> <td style="text-align: center">10.50%</td> <td style="text-align: center">40.00%</td> <td style="text-align: center">15.00%</td> <td style="text-align: center">10.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">-20</td> <td style="text-align: center">21.00%</td> <td style="text-align: center">9.00%</td> <td style="text-align: center">40.00%</td> <td style="text-align: center">20.00%</td> <td style="text-align: center">10.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">-25</td> <td style="text-align: center">17.50%</td> <td style="text-align: center">7.50%</td> <td style="text-align: center">40.00%</td> <td style="text-align: center">25.00%</td> <td style="text-align: center">10.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">-30</td> <td style="text-align: center">14.00%</td> <td style="text-align: center">6.00%</td> <td style="text-align: center">40.00%</td> <td style="text-align: center">30.00%</td> <td style="text-align: center">10.00%</td></tr> </table> <br/><p style="font-family:Sans-Serif; font-size:9.5pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt">The Fund is designed to accommodate investors who invest in a fund up to their target retirement date, and plan to make gradual systematic withdrawals in retirement. In addition, investors should note that the Fund will continue to have a significant level of equity exposure up to, through and after its target retirement date, and this exposure could cause significant fluctuations in the value of the Fund depending on the performance of the equity markets generally.</p> <br/><p style="font-family:Sans-Serif; font-size:9.5pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt">After the Fund reaches its final target allocation, the Board of Trustees may authorize the merger of the Fund into another Lifecycle Index Fund which has also reached its final target allocation or other similar fund designed to maintain a relatively stable asset allocation reflecting the resting point on the glidepath described in the chart above. Fund shareholders will receive prior notice of any such merger.</p> Past performance <p style="font-family:Sans-Serif; font-size:9.5pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt">The following chart and table help illustrate some of the risks of investing in the Fund by showing changes in the Fund&#8217;s performance from year to year. The bar chart shows the annual total returns of the Retirement Class of the Fund, before taxes, in each full calendar year since inception of the Retirement Class. Because the expenses vary across share classes, the performance of the Retirement Class may vary from the other share classes. Below the bar chart are the best and worst returns of the Retirement Class for a calendar quarter during the full calendar-year periods covered by the bar chart. The performance table following the bar chart shows the Fund&#8217;s average annual total returns for the Retirement, Institutional, Advisor and Premier classes over the applicable one-year, five-year, ten-year and since-inception periods ended December 31, 2018, and how those returns compare to those of a broad-based securities market index and a composite index based on the Fund&#8217;s target allocations. After-tax performance is shown only for the Retirement Class shares, and after-tax returns for the other classes of shares will vary from the after-tax returns presented for Retirement Class&#160;shares. </p> <br/><p style="font-family:Sans-Serif; font-size:9.5pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt">The returns shown below reflect previous agreements by Advisors to waive or reimburse the Fund and certain Underlying Funds for certain fees and expenses. Without these waivers and reimbursements, the returns of the Fund would have been lower. Past performance of the Fund (before and after taxes) is not necessarily an indication of how it will perform in the future. The indices listed below are unmanaged, and you cannot invest directly in an index. The returns for the indices reflect no deduction for fees, expenses or taxes.</p> <br/><p style="font-family:Sans-Serif; font-size:9.5pt; font-style:italic; font-weight:normal; text-align:left; text-indent:12.25pt">For current performance information of each share class, including performance to the most recent month-end, please visit www.tiaa.org.</p> ANNUAL TOTAL RETURNS FOR THE RETIREMENT CLASS SHARES (%)&#8224; Lifecycle Index 2030 Fund 0.1291 -0.0053 0.1398 0.2063 0.0641 -0.0061 0.0762 0.1674 -0.0527 ~ http://www.TIAA.com/20190926/role/ScheduleAnnualTotalReturnsBarChart20123 column dei_LegalEntityAxis compact cik0001084380_S000026504Member row primary compact * ~ Best quarter: 0.1108 2010-09-30 Worst quarter: -0.1286 2011-09-30 The year-to-date return as of the most recent calendar quarter, which ended on June 30, 2019, was 0.1326 2019-06-30 <p style="font-family:Sans-Serif; font-size:1.0pt; font-style:normal; font-weight:normal; text-align:left"><font style="font-family:Sans-Serif; font-size:8.5pt; font-weight:normal">Best quarter: 11.08%, for the quarter ended September 30, 2010. Worst quarter: -12.86%, for the quarter ended September 30, 2011.</font></p> <p style="font-family:Sans-Serif; font-size:1.0pt; font-style:normal; font-weight:normal; margin-left:09.00pt; text-align:left; text-indent:-09.00pt"><font style="font-family:Sans-Serif; font-size:8.5pt; font-weight:normal"><sup>&#8224;</sup></font><font style="font-family:Sans-Serif; font-size:8.5pt; font-weight:normal"><font style="word-spacing:5.5pt">&#160;</font>The year-to-date return as of the most recent calendar quarter, which ended on June 30, 2019, was 13.26%.</font></p> -0.0527 0.0471 0.0790 -0.0591 0.0406 0.0734 -0.0285 0.0351 0.0628 -0.0504 0.0497 0.0817 -0.0514 0.0482 0.0796 -0.0521 0.0482 0.0801 -0.0599 0.0450 0.0771 -0.0517 0.0504 0.0828 2009-09-30 2015-12-04 2009-09-30 2009-09-30 ~ http://www.TIAA.com/20190926/role/ScheduleAverageAnnualReturnsTransposed20124 column dei_LegalEntityAxis compact cik0001084380_S000026504Member column rr_PerformanceMeasureAxis compact * row primary compact * ~ <p style="font-family: Sans-Serif; font-size: 8.5pt; font-style: italic; font-weight: normal; text-align: left;">Current performance of the Fund&#8217;s shares may be higher or lower than that shown above.</p> <br/><p>After-tax returns are calculated using the historical highest individual federal marginal income tax rates in effect during the periods shown and do not reflect the impact of state and local taxes. Actual after-tax returns depend on the investor&#8217;s tax situation and may differ from those shown. The after-tax returns shown are not relevant to investors who hold their Fund shares through tax-deferred arrangements such as 401(a), 401(k) or 403(b) plans or Individual Retirement Accounts (IRAs). After-tax returns are shown for only one class, and after-tax returns for other classes will vary.</p> As of the close of business on December 31, 2018, the Lifecycle Index 2030 Fund Composite Index consisted of: 47.9% Russell 3000&#174; Index; 28.8% Bloomberg Barclays U.S. Aggregate Bond Index; 20.5% MSCI EAFE + Emerging Markets Index; 1.4% Bloomberg Barclays U.S. 1-3 Year Government/Credit Bond Index; and 1.4% Bloomberg Barclays U.S. Treasury Inflation Protected Securities (TIPS) 1-10 Year Index. The Fund&#8217;s composite benchmark, the components that make up a composite benchmark and the method of calculating a composite benchmark&#8217;s performance may vary over time. The after-tax returns shown are not relevant to investors who hold their Fund shares through tax-deferred arrangements such as 401(a), 401(k) or 403(b) plans or Individual Retirement Accounts (IRAs). (reflects no deductions for fees, expenses or taxes) After-tax performance is shown only for the Retirement Class shares, and after-tax returns for the other classes of shares will vary from the after-tax returns presented for Retirement Class shares. Past performance of the Fund (before and after taxes) is not necessarily an indication of how it will perform in the future. AVERAGE ANNUAL TOTAL RETURNS For the Periods Ended December 31, 2018 The following chart and table help illustrate some of the risks of investing in the Fund by showing changes in the Fund&#8217;s performance from year to year. 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SHAREHOLDER FEES (fees paid directly from your investment) ANNUAL FUND OPERATING EXPENSES (expenses that you pay each year as a percentage of the value of your investment) TIAA-CREF Lifecycle Index 2035 Fund Investment objective <p style="font-family:Sans-Serif; font-size:9.5pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt">The Lifecycle Index 2035 Fund seeks high total return over time through a combination of capital appreciation and income.</p> Principal investment risks <p style="font-family:Sans-Serif; font-size:1.0pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt"><font style="font-family:Sans-Serif; font-size:9.5pt; font-weight:normal">You could lose money over short or long periods by investing in this Fund. 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Target allocations will change over time and actual allocations may vary up to ten percentage points from the targets. The target allocations along the investment glidepath, illustrated in the chart below, gradually become more conservative, moving to target allocations of approximately 50.00% equity/50.00% fixed-income in the Fund&#8217;s target retirement year of 2035 and reaching the Fund&#8217;s final target allocation of approximately 20.00% equity/80.00% fixed-income in 2065. Within the equity and fixed-income asset classes, Advisors allocates the Fund&#8217;s investments to particular market sectors (U.S. equity, international equity, fixed-income, short-term fixed-income and inflation-protected assets) represented by various Underlying Funds. These market sector allocations may vary by up to 10% from the Fund&#8217;s target market sector allocations. 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text-align:right; text-indent:-09.35pt">100.00%</p></td></tr></table> <br/><p style="font-family:Sans-Serif; font-size:9.5pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt">The following chart shows how the investment glidepath for the Fund is expected to gradually move the Fund&#8217;s target allocations over time between the different target market sector allocations. The actual market sector allocations of the Fund may differ from this chart. The Fund seeks to achieve its final target market sector allocations approximately 30 years following the target&#160;date. </p> <br/><table border="0" cellpadding="0" cellspacing="0" style="width: 100%; border-collapse: collapse; font: 11pt Calibri, Helvetica, Sans-Serif"> <tr style="vertical-align: bottom"> <td colspan="6" style="border-top: Black 0.5pt solid; border-right: black 0.5pt solid; border-bottom: Black 0.5pt solid; border-left: Black 0.5pt solid; text-align: center">Lifecycle Index Funds Glidepath as of June 30, 2020</td></tr> <tr style="vertical-align: bottom"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1pt solid; text-align: center; width: 20%">Years to Target Retirement Date</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1pt solid; text-align: center; width: 16%">US Equities</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1pt solid; text-align: center; width: 16%">International 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style="text-align: center">0.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">35</td> <td style="text-align: center">64.75%</td> <td style="text-align: center">27.75%</td> <td style="text-align: center">7.50%</td> <td style="text-align: center">0.00%</td> <td style="text-align: center">0.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">30</td> <td style="text-align: center">63.87%</td> <td style="text-align: center">27.38%</td> <td style="text-align: center">8.75%</td> <td style="text-align: center">0.00%</td> <td style="text-align: center">0.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">25</td> <td style="text-align: center">63.00%</td> <td style="text-align: center">27.00%</td> <td style="text-align: center">10.00%</td> <td style="text-align: center">0.00%</td> <td style="text-align: center">0.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">20</td> <td style="text-align: center">57.40%</td> <td style="text-align: center">24.60%</td> <td style="text-align: center">18.00%</td> <td style="text-align: center">0.00%</td> <td style="text-align: center">0.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">15</td> <td style="text-align: center">51.80%</td> <td style="text-align: center">22.20%</td> <td style="text-align: center">26.00%</td> <td style="text-align: center">0.00%</td> <td style="text-align: center">0.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">10</td> <td style="text-align: center">46.20%</td> <td style="text-align: center">19.80%</td> <td style="text-align: center">30.00%</td> <td style="text-align: center">2.00%</td> <td style="text-align: center">2.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">5</td> <td style="text-align: center">40.60%</td> <td style="text-align: center">17.40%</td> <td style="text-align: center">34.00%</td> <td style="text-align: center">4.00%</td> <td style="text-align: center">4.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">0</td> <td style="text-align: center">35.00%</td> <td style="text-align: center">15.00%</td> <td style="text-align: center">38.00%</td> <td style="text-align: center">6.00%</td> <td style="text-align: center">6.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">-5</td> <td style="text-align: center">31.50%</td> <td style="text-align: center">13.50%</td> <td style="text-align: center">39.00%</td> <td style="text-align: center">8.00%</td> <td style="text-align: center">8.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">-10</td> <td style="text-align: center">28.00%</td> <td style="text-align: center">12.00%</td> <td style="text-align: center">40.00%</td> <td style="text-align: center">10.00%</td> <td style="text-align: center">10.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">-15</td> <td style="text-align: center">24.50%</td> <td style="text-align: center">10.50%</td> <td style="text-align: center">40.00%</td> <td style="text-align: center">15.00%</td> <td style="text-align: center">10.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">-20</td> <td style="text-align: center">21.00%</td> <td style="text-align: center">9.00%</td> <td style="text-align: center">40.00%</td> <td style="text-align: center">20.00%</td> <td style="text-align: center">10.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">-25</td> <td style="text-align: center">17.50%</td> <td style="text-align: center">7.50%</td> <td style="text-align: center">40.00%</td> <td style="text-align: center">25.00%</td> <td style="text-align: center">10.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">-30</td> <td style="text-align: center">14.00%</td> <td style="text-align: center">6.00%</td> <td style="text-align: center">40.00%</td> <td style="text-align: center">30.00%</td> <td style="text-align: center">10.00%</td></tr> </table> <br/><p style="font-family:Sans-Serif; font-size:9.5pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt">The Fund is designed to accommodate investors who invest in a fund up to their target retirement date, and plan to make gradual systematic withdrawals in retirement. In addition, investors should note that the Fund will continue to have a significant level of equity exposure up to, through and after its target retirement date, and this exposure could cause significant fluctuations in the value of the Fund depending on the performance of the equity markets generally.</p> <br/><p style="font-family:Sans-Serif; font-size:9.5pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt">After the Fund reaches its final target allocation, the Board of Trustees may authorize the merger of the Fund into another Lifecycle Index Fund which has also reached its final target allocation or other similar fund designed to maintain a relatively stable asset allocation reflecting the resting point on the glidepath described in the chart above. Fund shareholders will receive prior notice of any such merger.</p> Past performance <p style="font-family:Sans-Serif; font-size:9.5pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt">The following chart and table help illustrate some of the risks of investing in the Fund by showing changes in the Fund&#8217;s performance from year to year. The bar chart shows the annual total returns of the Retirement Class of the Fund, before taxes, in each full calendar year since inception of the Retirement Class. Because the expenses vary across share classes, the performance of the Retirement Class may vary from the other share classes. Below the bar chart are the best and worst returns of the Retirement Class for a calendar quarter during the full calendar-year periods covered by the bar chart. The performance table following the bar chart shows the Fund&#8217;s average annual total returns for the Retirement, Institutional, Advisor and Premier classes over the applicable one-year, five-year, ten-year and since-inception periods ended December 31, 2018, and how those returns compare to those of a broad-based securities market index and a composite index based on the Fund&#8217;s target allocations. After-tax performance is shown only for the Retirement Class shares, and after-tax returns for the other classes of shares will vary from the after-tax returns presented for Retirement Class&#160;shares. </p> <br/><p style="font-family:Sans-Serif; font-size:9.5pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt">The returns shown below reflect previous agreements by Advisors to waive or reimburse the Fund and certain Underlying Funds for certain fees and expenses. Without these waivers and reimbursements, the returns of the Fund would have been lower. Past performance of the Fund (before and after taxes) is not necessarily an indication of how it will perform in the future. The indices listed below are unmanaged, and you cannot invest directly in an index. The returns for the indices reflect no deduction for fees, expenses or taxes.</p> <br/><p style="font-family:Sans-Serif; font-size:9.5pt; font-style:italic; font-weight:normal; text-align:left; text-indent:12.25pt">For current performance information of each share class, including performance to the most recent month-end, please visit www.tiaa.org.</p> ANNUAL TOTAL RETURNS FOR THE RETIREMENT CLASS SHARES (%)&#8224; Lifecycle Index 2035 Fund 0.1341 -0.0149 0.1506 0.2322 0.0651 -0.0073 0.0814 0.1843 -0.0592 ~ http://www.TIAA.com/20190926/role/ScheduleAnnualTotalReturnsBarChart20130 column dei_LegalEntityAxis compact cik0001084380_S000026505Member row primary compact * ~ Best quarter: 0.1189 2010-09-30 Worst quarter: -0.1445 2011-09-30 The year-to-date return as of the most recent calendar quarter, which ended on June 30, 2019, was 0.1420 2019-06-30 <p style="font-family:Sans-Serif; font-size:1.0pt; font-style:normal; font-weight:normal; text-align:left"><font style="font-family:Sans-Serif; font-size:8.5pt; font-weight:normal">Best quarter: 11.89%, for the quarter ended September 30, 2010. Worst quarter: -14.45%, for the quarter ended September 30, 2011.</font></p> <p style="font-family:Sans-Serif; font-size:1.0pt; font-style:normal; font-weight:normal; margin-left:09.00pt; text-align:left; text-indent:-09.00pt"><font style="font-family:Sans-Serif; font-size:8.5pt; font-weight:normal"><sup>&#8224;</sup></font><font style="font-family:Sans-Serif; font-size:8.5pt; font-weight:normal"><font style="word-spacing:5.5pt">&#160;</font>The year-to-date return as of the most recent calendar quarter, which ended on June 30, 2019, was 14.20%.</font></p> -0.0592 0.0496 0.0838 -0.0654 0.0433 0.0784 -0.0320 0.0374 0.0671 -0.0573 0.0522 0.0865 -0.0577 0.0510 0.0845 -0.0590 0.0506 0.0848 -0.0688 0.0469 0.0806 -0.0583 0.0528 0.0876 2009-09-30 2009-09-30 2009-09-30 2015-12-04 ~ http://www.TIAA.com/20190926/role/ScheduleAverageAnnualReturnsTransposed20131 column dei_LegalEntityAxis compact cik0001084380_S000026505Member column rr_PerformanceMeasureAxis compact * row primary compact * ~ <p style="font-family: Sans-Serif; font-size: 8.5pt; font-style: italic; font-weight: normal; text-align: left;">Current performance of the Fund&#8217;s shares may be higher or lower than that shown above.</p> <br/><p>After-tax returns are calculated using the historical highest individual federal marginal income tax rates in effect during the periods shown and do not reflect the impact of state and local taxes. Actual after-tax returns depend on the investor&#8217;s tax situation and may differ from those shown. The after-tax returns shown are not relevant to investors who hold their Fund shares through tax-deferred arrangements such as 401(a), 401(k) or 403(b) plans or Individual Retirement Accounts (IRAs). After-tax returns are shown for only one class, and after-tax returns for other classes will vary.</p> As of the close of business on December 31, 2018, the Lifecycle Index 2035 Fund Composite Index consisted of: 53.5% Russell 3000&#174; Index; 23.6% Bloomberg Barclays U.S. Aggregate Bond Index; and 22.9% MSCI EAFE + Emerging Markets Index. The Fund&#8217;s composite benchmark, the components that make up a composite benchmark and the method of calculating a composite benchmark&#8217;s performance may vary over time. The after-tax returns shown are not relevant to investors who hold their Fund shares through tax-deferred arrangements such as 401(a), 401(k) or 403(b) plans or Individual Retirement Accounts (IRAs). (reflects no deductions for fees, expenses or taxes) After-tax performance is shown only for the Retirement Class shares, and after-tax returns for the other classes of shares will vary from the after-tax returns presented for Retirement Class shares. Past performance of the Fund (before and after taxes) is not necessarily an indication of how it will perform in the future. AVERAGE ANNUAL TOTAL RETURNS For the Periods Ended December 31, 2018 The following chart and table help illustrate some of the risks of investing in the Fund by showing changes in the Fund&#8217;s performance from year to year. 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SHAREHOLDER FEES (fees paid directly from your investment) ANNUAL FUND OPERATING EXPENSES (expenses that you pay each year as a percentage of the value of your investment) TIAA-CREF Lifecycle Index 2040 Fund Investment objective <p style="font-family:Sans-Serif; font-size:9.5pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt">The Lifecycle Index 2040 Fund seeks high total return over time through a combination of capital appreciation and income.</p> Principal investment risks <p style="font-family:Sans-Serif; font-size:1.0pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt"><font style="font-family:Sans-Serif; font-size:9.5pt; font-weight:normal">You could lose money over short or long periods by investing in this Fund. 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Target allocations will change over time and actual allocations may vary up to ten percentage points from the targets. The target allocations along the investment glidepath, illustrated in the chart below, gradually become more conservative, moving to target allocations of approximately 50.00% equity/50.00% fixed-income in the Fund&#8217;s target retirement year of 2040 and reaching the Fund&#8217;s final target allocation of approximately 20.00% equity/80.00% fixed-income in 2070. Within the equity and fixed-income asset classes, Advisors allocates the Fund&#8217;s investments to particular market sectors (U.S. equity, international equity, fixed-income, short-term fixed-income and inflation-protected assets) represented by various Underlying Funds. These market sector allocations may vary by up to 10% from the Fund&#8217;s target market sector allocations. 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text-align:right; text-indent:-09.35pt">100.00%</p></td></tr></table> <br/><p style="font-family:Sans-Serif; font-size:9.5pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt">The following chart shows how the investment glidepath for the Fund is expected to gradually move the Fund&#8217;s target allocations over time between the different target market sector allocations. The actual market sector allocations of the Fund may differ from this chart. The Fund seeks to achieve its final target market sector allocations approximately 30 years following the target&#160;date. </p> <br/><table border="0" cellpadding="0" cellspacing="0" style="width: 100%; border-collapse: collapse; font: 11pt Calibri, Helvetica, Sans-Serif"> <tr style="vertical-align: bottom"> <td colspan="6" style="border-top: Black 0.5pt solid; border-right: black 0.5pt solid; border-bottom: Black 0.5pt solid; border-left: Black 0.5pt solid; text-align: center">Lifecycle Index Funds Glidepath as of June 30, 2020</td></tr> <tr style="vertical-align: bottom"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1pt solid; text-align: center; width: 20%">Years to Target Retirement Date</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1pt solid; text-align: center; width: 16%">US Equities</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1pt solid; text-align: center; width: 16%">International 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style="text-align: center">0.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">35</td> <td style="text-align: center">64.75%</td> <td style="text-align: center">27.75%</td> <td style="text-align: center">7.50%</td> <td style="text-align: center">0.00%</td> <td style="text-align: center">0.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">30</td> <td style="text-align: center">63.87%</td> <td style="text-align: center">27.38%</td> <td style="text-align: center">8.75%</td> <td style="text-align: center">0.00%</td> <td style="text-align: center">0.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">25</td> <td style="text-align: center">63.00%</td> <td style="text-align: center">27.00%</td> <td style="text-align: center">10.00%</td> <td style="text-align: center">0.00%</td> <td style="text-align: center">0.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">20</td> <td style="text-align: center">57.40%</td> <td style="text-align: center">24.60%</td> <td style="text-align: center">18.00%</td> <td style="text-align: center">0.00%</td> <td style="text-align: center">0.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">15</td> <td style="text-align: center">51.80%</td> <td style="text-align: center">22.20%</td> <td style="text-align: center">26.00%</td> <td style="text-align: center">0.00%</td> <td style="text-align: center">0.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">10</td> <td style="text-align: center">46.20%</td> <td style="text-align: center">19.80%</td> <td style="text-align: center">30.00%</td> <td style="text-align: center">2.00%</td> <td style="text-align: center">2.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">5</td> <td style="text-align: center">40.60%</td> <td style="text-align: center">17.40%</td> <td style="text-align: center">34.00%</td> <td style="text-align: center">4.00%</td> <td style="text-align: center">4.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">0</td> <td style="text-align: center">35.00%</td> <td style="text-align: center">15.00%</td> <td style="text-align: center">38.00%</td> <td style="text-align: center">6.00%</td> <td style="text-align: center">6.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">-5</td> <td style="text-align: center">31.50%</td> <td style="text-align: center">13.50%</td> <td style="text-align: center">39.00%</td> <td style="text-align: center">8.00%</td> <td style="text-align: center">8.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">-10</td> <td style="text-align: center">28.00%</td> <td style="text-align: center">12.00%</td> <td style="text-align: center">40.00%</td> <td style="text-align: center">10.00%</td> <td style="text-align: center">10.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">-15</td> <td style="text-align: center">24.50%</td> <td style="text-align: center">10.50%</td> <td style="text-align: center">40.00%</td> <td style="text-align: center">15.00%</td> <td style="text-align: center">10.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">-20</td> <td style="text-align: center">21.00%</td> <td style="text-align: center">9.00%</td> <td style="text-align: center">40.00%</td> <td style="text-align: center">20.00%</td> <td style="text-align: center">10.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">-25</td> <td style="text-align: center">17.50%</td> <td style="text-align: center">7.50%</td> <td style="text-align: center">40.00%</td> <td style="text-align: center">25.00%</td> <td style="text-align: center">10.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">-30</td> <td style="text-align: center">14.00%</td> <td style="text-align: center">6.00%</td> <td style="text-align: center">40.00%</td> <td style="text-align: center">30.00%</td> <td style="text-align: center">10.00%</td></tr> </table> <br/><p style="font-family:Sans-Serif; font-size:9.5pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt">The Fund is designed to accommodate investors who invest in a fund up to their target retirement date, and plan to make gradual systematic withdrawals in retirement. In addition, investors should note that the Fund will continue to have a significant level of equity exposure up to, through and after its target retirement date, and this exposure could cause significant fluctuations in the value of the Fund depending on the performance of the equity markets generally.</p> <br/><p style="font-family:Sans-Serif; font-size:9.5pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt">After the Fund reaches its final target allocation, the Board of Trustees may authorize the merger of the Fund into another Lifecycle Index Fund which has also reached its final target allocation or other similar fund designed to maintain a relatively stable asset allocation reflecting the resting point on the glidepath described in the chart above. Fund shareholders will receive prior notice of any such merger.</p> Past performance <p style="font-family:Sans-Serif; font-size:9.5pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt">The following chart and table help illustrate some of the risks of investing in the Fund by showing changes in the Fund&#8217;s performance from year to year. The bar chart shows the annual total returns of the Retirement Class of the Fund, before taxes, in each full calendar year since inception of the Retirement Class. Because the expenses vary across share classes, the performance of the Retirement Class may vary from the other share classes. Below the bar chart are the best and worst returns of the Retirement Class for a calendar quarter during the full calendar-year periods covered by the bar chart. The performance table following the bar chart shows the Fund&#8217;s average annual total returns for the Retirement, Institutional, Advisor and Premier classes over the applicable one-year, five-year, ten-year and since-inception periods ended December 31, 2018, and how those returns compare to those of a broad-based securities market index and a composite index based on the Fund&#8217;s target allocations. After-tax performance is shown only for the Retirement Class shares, and after-tax returns for the other classes of shares will vary from the after-tax returns presented for Retirement Class&#160;shares. </p> <br/><p style="font-family:Sans-Serif; font-size:9.5pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt">The returns shown below reflect previous agreements by Advisors to waive or reimburse the Fund and certain Underlying Funds for certain fees and expenses. Without these waivers and reimbursements, the returns of the Fund would have been lower. Past performance of the Fund (before and after taxes) is not necessarily an indication of how it will perform in the future. The indices listed below are unmanaged, and you cannot invest directly in an index. The returns for the indices reflect no deduction for fees, expenses or taxes.</p> <br/><p style="font-family:Sans-Serif; font-size:9.5pt; font-style:italic; font-weight:normal; text-align:left; text-indent:12.25pt">For current performance information of each share class, including performance to the most recent month-end, please visit www.tiaa.org.</p> ANNUAL TOTAL RETURNS FOR THE RETIREMENT CLASS SHARES (%)&#8224; Lifecycle Index 2040 Fund 0.1350 -0.0170 0.1546 0.2487 0.0656 -0.0093 0.0874 0.2008 -0.0660 ~ http://www.TIAA.com/20190926/role/ScheduleAnnualTotalReturnsBarChart20137 column dei_LegalEntityAxis compact cik0001084380_S000026506Member row primary compact * ~ Best quarter: 0.1187 2010-09-30 Worst quarter: -0.1482 2011-09-30 The year-to-date return as of the most recent calendar quarter, which ended on June 30, 2019, was 0.1508 2019-06-30 <p style="font-family:Sans-Serif; font-size:1.0pt; font-style:normal; font-weight:normal; text-align:left"><font style="font-family:Sans-Serif; font-size:8.5pt; font-weight:normal">Best quarter: 11.87%, for the quarter ended September 30, 2010. Worst quarter: -14.82%, for the quarter ended September 30, 2011.</font></p> <p style="font-family:Sans-Serif; font-size:1.0pt; font-style:normal; font-weight:normal; margin-left:09.00pt; text-align:left; text-indent:-09.00pt"><font style="font-family:Sans-Serif; font-size:8.5pt; font-weight:normal"><sup>&#8224;</sup></font><font style="font-family:Sans-Serif; font-size:8.5pt; font-weight:normal"><font style="word-spacing:5.5pt">&#160;</font>The year-to-date return as of the most recent calendar quarter, which ended on June 30, 2019, was 15.08%.</font></p> -0.0660 0.0518 0.0868 -0.0717 0.0456 0.0815 -0.0358 0.0394 0.0698 -0.0636 0.0545 0.0895 -0.0642 0.0531 0.0875 -0.0653 0.0529 0.0878 -0.0741 0.0482 0.0831 -0.0650 0.0551 0.0906 2009-09-30 2009-09-30 2009-09-30 2015-12-04 ~ http://www.TIAA.com/20190926/role/ScheduleAverageAnnualReturnsTransposed20138 column dei_LegalEntityAxis compact cik0001084380_S000026506Member column rr_PerformanceMeasureAxis compact * row primary compact * ~ <p style="font-family: Sans-Serif; font-size: 8.5pt; font-style: italic; font-weight: normal; text-align: left;">Current performance of the Fund&#8217;s shares may be higher or lower than that shown above.</p> <br/><p>After-tax returns are calculated using the historical highest individual federal marginal income tax rates in effect during the periods shown and do not reflect the impact of state and local taxes. Actual after-tax returns depend on the investor&#8217;s tax situation and may differ from those shown. The after-tax returns shown are not relevant to investors who hold their Fund shares through tax-deferred arrangements such as 401(a), 401(k) or 403(b) plans or Individual Retirement Accounts (IRAs). After-tax returns are shown for only one class, and after-tax returns for other classes will vary.</p> As of the close of business on December 31, 2018, the Lifecycle Index 2040 Fund Composite Index consisted of: 59.1% Russell 3000&#174; Index; 25.3% MSCI EAFE + Emerging Markets Index; and 15.6% Bloomberg Barclays U.S. Aggregate Bond Index. The Fund&#8217;s composite benchmark, the components that make up a composite benchmark and the method of calculating a composite benchmark&#8217;s performance may vary over time. The after-tax returns shown are not relevant to investors who hold their Fund shares through tax-deferred arrangements such as 401(a), 401(k) or 403(b) plans or Individual Retirement Accounts (IRAs). (reflects no deductions for fees, expenses or taxes) After-tax performance is shown only for the Retirement Class shares, and after-tax returns for the other classes of shares will vary from the after-tax returns presented for Retirement Class shares. Past performance of the Fund (before and after taxes) is not necessarily an indication of how it will perform in the future. AVERAGE ANNUAL TOTAL RETURNS For the Periods Ended December 31, 2018 The following chart and table help illustrate some of the risks of investing in the Fund by showing changes in the Fund&#8217;s performance from year to year. After-tax returns are calculated using the historical highest individual federal marginal income tax rates in effect during the periods shown and do not reflect the impact of state and local taxes. www.tiaa.org Example <p style="font-family:Sans-Serif; font-size:1.0pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt"><font style="font-family:Sans-Serif; font-size:9.5pt; font-weight:normal">This example is intended to help you compare the cost of investing in shares of the Fund with the cost of investing in other mutual funds. The example assumes that you invest $10,000 in the Fund for the time periods indicated and then redeem all your shares at the end of those periods. The example also assumes that your investment has a 5% return each year and that the Fund&#8217;s operating expenses, before fee waivers and/or expense reimbursements, remain the same. The example assumes that the Fund&#8217;s fee waiver and/or expense reimbursement arrangements will each remain in place for the durations noted in the table above. Although your actual costs may be higher or lower, based on these assumptions your costs would be: </font></p> 10 18 26 36 52 78 100 132 98 143 182 237 234 334 422 546 ~ http://www.TIAA.com/20190926/role/ScheduleExpenseExample20136 column dei_LegalEntityAxis compact cik0001084380_S000026506Member row primary compact * ~ Portfolio turnover <p style="font-family:Sans-Serif; font-size:9.5pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt">The Fund pays transaction costs, such as commissions, when it buys and sells securities (or &#8220;turns over&#8221; its portfolio). A higher portfolio turnover rate may indicate higher transaction costs and may result in higher taxes when Fund shares are held in a taxable account. These costs, which are not reflected in annual fund operating expenses or in the example, affect the Fund&#8217;s performance. During the fiscal year ended May 31, 2019, the Fund&#8217;s portfolio turnover rate was 6% of the average value of its portfolio.</p> 0.06 Fees and expenses <p style="font-family:Sans-Serif; font-size:9.5pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt">This table describes the fees and expenses that you may pay if you buy and hold shares of the Fund. 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text-align:right; text-indent:-09.35pt">100.00%</p></td></tr></table> <br/><p style="font-family:Sans-Serif; font-size:9.5pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt">The following chart shows how the investment glidepath for the Fund is expected to gradually move the Fund&#8217;s target allocations over time between the different target market sector allocations. The actual market sector allocations of the Fund may differ from this chart. The Fund seeks to achieve its final target market sector allocations approximately 30 years following the target&#160;date. </p> <br/><table border="0" cellpadding="0" cellspacing="0" style="width: 100%; border-collapse: collapse; font: 11pt Calibri, Helvetica, Sans-Serif"> <tr style="vertical-align: bottom"> <td colspan="6" style="border-top: Black 0.5pt solid; border-right: black 0.5pt solid; border-bottom: Black 0.5pt solid; border-left: Black 0.5pt solid; text-align: center">Lifecycle Index Funds Glidepath as of June 30, 2020</td></tr> <tr style="vertical-align: bottom"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1pt solid; text-align: center; width: 20%">Years to Target Retirement Date</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1pt solid; text-align: center; width: 16%">US Equities</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1pt solid; text-align: center; width: 16%">International 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style="text-align: center">0.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">35</td> <td style="text-align: center">64.75%</td> <td style="text-align: center">27.75%</td> <td style="text-align: center">7.50%</td> <td style="text-align: center">0.00%</td> <td style="text-align: center">0.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">30</td> <td style="text-align: center">63.87%</td> <td style="text-align: center">27.38%</td> <td style="text-align: center">8.75%</td> <td style="text-align: center">0.00%</td> <td style="text-align: center">0.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">25</td> <td style="text-align: center">63.00%</td> <td style="text-align: center">27.00%</td> <td style="text-align: center">10.00%</td> <td style="text-align: center">0.00%</td> <td style="text-align: center">0.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">20</td> <td style="text-align: center">57.40%</td> <td style="text-align: center">24.60%</td> <td style="text-align: center">18.00%</td> <td style="text-align: center">0.00%</td> <td style="text-align: center">0.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">15</td> <td style="text-align: center">51.80%</td> <td style="text-align: center">22.20%</td> <td style="text-align: center">26.00%</td> <td style="text-align: center">0.00%</td> <td style="text-align: center">0.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">10</td> <td style="text-align: center">46.20%</td> <td style="text-align: center">19.80%</td> <td style="text-align: center">30.00%</td> <td style="text-align: center">2.00%</td> <td style="text-align: center">2.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">5</td> <td style="text-align: center">40.60%</td> <td style="text-align: center">17.40%</td> <td style="text-align: center">34.00%</td> <td style="text-align: center">4.00%</td> <td style="text-align: center">4.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">0</td> <td style="text-align: center">35.00%</td> <td style="text-align: center">15.00%</td> <td style="text-align: center">38.00%</td> <td style="text-align: center">6.00%</td> <td style="text-align: center">6.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">-5</td> <td style="text-align: center">31.50%</td> <td style="text-align: center">13.50%</td> <td style="text-align: center">39.00%</td> <td style="text-align: center">8.00%</td> <td style="text-align: center">8.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">-10</td> <td style="text-align: center">28.00%</td> <td style="text-align: center">12.00%</td> <td style="text-align: center">40.00%</td> <td style="text-align: center">10.00%</td> <td style="text-align: center">10.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">-15</td> <td style="text-align: center">24.50%</td> <td style="text-align: center">10.50%</td> <td style="text-align: center">40.00%</td> <td style="text-align: center">15.00%</td> <td style="text-align: center">10.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">-20</td> <td style="text-align: center">21.00%</td> <td style="text-align: center">9.00%</td> <td style="text-align: center">40.00%</td> <td style="text-align: center">20.00%</td> <td style="text-align: center">10.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">-25</td> <td style="text-align: center">17.50%</td> <td style="text-align: center">7.50%</td> <td style="text-align: center">40.00%</td> <td style="text-align: center">25.00%</td> <td style="text-align: center">10.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">-30</td> <td style="text-align: center">14.00%</td> <td style="text-align: center">6.00%</td> <td style="text-align: center">40.00%</td> <td style="text-align: center">30.00%</td> <td style="text-align: center">10.00%</td></tr> </table> <br/><p style="font-family:Sans-Serif; font-size:9.5pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt">The Fund is designed to accommodate investors who invest in a fund up to their target retirement date, and plan to make gradual systematic withdrawals in retirement. In addition, investors should note that the Fund will continue to have a significant level of equity exposure up to, through and after its target retirement date, and this exposure could cause significant fluctuations in the value of the Fund depending on the performance of the equity markets generally.</p> <br/><p style="font-family:Sans-Serif; font-size:9.5pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt">After the Fund reaches its final target allocation, the Board of Trustees may authorize the merger of the Fund into another Lifecycle Index Fund which has also reached its final target allocation or other similar fund designed to maintain a relatively stable asset allocation reflecting the resting point on the glidepath described in the chart above. Fund shareholders will receive prior notice of any such merger.</p> Past performance <p style="font-family:Sans-Serif; font-size:9.5pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt">The following chart and table help illustrate some of the risks of investing in the Fund by showing changes in the Fund&#8217;s performance from year to year. The bar chart shows the annual total returns of the Retirement Class of the Fund, before taxes, in each full calendar year since inception of the Retirement Class. Because the expenses vary across share classes, the performance of the Retirement Class may vary from the other share classes. Below the bar chart are the best and worst returns of the Retirement Class for a calendar quarter during the full calendar-year periods covered by the bar chart. The performance table following the bar chart shows the Fund&#8217;s average annual total returns for the Retirement, Institutional, Advisor and Premier classes over the applicable one-year, five-year, ten-year and since-inception periods ended December 31, 2018, and how those returns compare to those of a broad-based securities market index and a composite index based on the Fund&#8217;s target allocations. After-tax performance is shown only for the Retirement Class shares, and after-tax returns for the other classes of shares will vary from the after-tax returns presented for Retirement Class&#160;shares. </p> <br/><p style="font-family:Sans-Serif; font-size:9.5pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt">The returns shown below reflect previous agreements by Advisors to waive or reimburse the Fund and certain Underlying Funds for certain fees and expenses. Without these waivers and reimbursements, the returns of the Fund would have been lower. Past performance of the Fund (before and after taxes) is not necessarily an indication of how it will perform in the future. The indices listed below are unmanaged, and you cannot invest directly in an index. The returns for the indices reflect no deduction for fees, expenses or taxes.</p> <br/><p style="font-family:Sans-Serif; font-size:9.5pt; font-style:italic; font-weight:normal; text-align:left; text-indent:12.25pt">For current performance information of each share class, including performance to the most recent month-end, please visit www.tiaa.org.</p> ANNUAL TOTAL RETURNS FOR THE RETIREMENT CLASS SHARES (%)&#8224; Lifecycle Index 2045 Fund 0.1350 -0.0161 0.1538 0.2486 0.0656 -0.0097 0.0904 0.2089 -0.0712 ~ http://www.TIAA.com/20190926/role/ScheduleAnnualTotalReturnsBarChart20144 column dei_LegalEntityAxis compact cik0001084380_S000026507Member row primary compact * ~ Best quarter: 0.1195 2010-09-30 Worst quarter: -0.1477 2011-09-30 The year-to-date return as of the most recent calendar quarter, which ended on June 30, 2019, was 0.1576 2019-06-30 <p style="font-family:Sans-Serif; font-size:1.0pt; font-style:normal; font-weight:normal; text-align:left"><font style="font-family:Sans-Serif; font-size:8.5pt; font-weight:normal">Best quarter: 11.95%, for the quarter ended September 30, 2010. Worst quarter: -14.77%, for the quarter ended September 30, 2011.</font></p> <p style="font-family:Sans-Serif; font-size:1.0pt; font-style:normal; font-weight:normal; margin-left:09.00pt; text-align:left; text-indent:-09.00pt"><font style="font-family:Sans-Serif; font-size:8.5pt; font-weight:normal"><sup>&#8224;</sup></font><font style="font-family:Sans-Serif; font-size:8.5pt; font-weight:normal"><font style="word-spacing:5.5pt">&#160;</font>The year-to-date return as of the most recent calendar quarter, which ended on June 30, 2019, was 15.76%.</font></p> -0.0712 0.0526 0.0872 -0.0767 0.0466 0.0819 -0.0387 0.0401 0.0702 -0.0692 0.0552 0.0898 -0.0704 0.0538 0.0878 -0.0704 0.0537 0.0883 -0.0774 0.0491 0.0849 -0.0703 0.0559 0.0910 2009-09-30 2009-09-30 2009-09-30 2015-12-04 ~ http://www.TIAA.com/20190926/role/ScheduleAverageAnnualReturnsTransposed20145 column dei_LegalEntityAxis compact cik0001084380_S000026507Member column rr_PerformanceMeasureAxis compact * row primary compact * ~ <p style="font-family: Sans-Serif; font-size: 8.5pt; font-style: italic; font-weight: normal; text-align: left;">Current performance of the Fund&#8217;s shares may be higher or lower than that shown above.</p> <br/><p>After-tax returns are calculated using the historical highest individual federal marginal income tax rates in effect during the periods shown and do not reflect the impact of state and local taxes. Actual after-tax returns depend on the investor&#8217;s tax situation and may differ from those shown. The after-tax returns shown are not relevant to investors who hold their Fund shares through tax-deferred arrangements such as 401(a), 401(k) or 403(b) plans or Individual Retirement Accounts (IRAs). After-tax returns are shown for only one class, and after-tax returns for other classes will vary.</p> As of the close of business on December 31, 2018, the Lifecycle Index 2045 Fund Composite Index consisted of: 63.3% Russell 3000&#174; Index; 27.1% MSCI EAFE + Emerging Markets Index; and 9.6% Bloomberg Barclays U.S. Aggregate Bond Index. The Fund&#8217;s composite benchmark, the components that make up a composite benchmark and the method of calculating a composite benchmark&#8217;s performance may vary over time. The after-tax returns shown are not relevant to investors who hold their Fund shares through tax-deferred arrangements such as 401(a), 401(k) or 403(b) plans or Individual Retirement Accounts (IRAs). (reflects no deductions for fees, expenses or taxes) After-tax performance is shown only for the Retirement Class shares, and after-tax returns for the other classes of shares will vary from the after-tax returns presented for Retirement Class shares. Past performance of the Fund (before and after taxes) is not necessarily an indication of how it will perform in the future. AVERAGE ANNUAL TOTAL RETURNS For the Periods Ended December 31, 2018 The following chart and table help illustrate some of the risks of investing in the Fund by showing changes in the Fund&#8217;s performance from year to year. After-tax returns are calculated using the historical highest individual federal marginal income tax rates in effect during the periods shown and do not reflect the impact of state and local taxes. www.tiaa.org Example <p style="font-family:Sans-Serif; font-size:1.0pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt"><font style="font-family:Sans-Serif; font-size:9.5pt; font-weight:normal">This example is intended to help you compare the cost of investing in shares of the Fund with the cost of investing in other mutual funds. The example assumes that you invest $10,000 in the Fund for the time periods indicated and then redeem all your shares at the end of those periods. The example also assumes that your investment has a 5% return each year and that the Fund&#8217;s operating expenses, before fee waivers and/or expense reimbursements, remain the same. The example assumes that the Fund&#8217;s fee waiver and/or expense reimbursement arrangements will each remain in place for the durations noted in the table above. Although your actual costs may be higher or lower, based on these assumptions your costs would be: </font></p> 10 19 26 36 52 83 100 132 98 153 182 237 234 358 422 546 ~ http://www.TIAA.com/20190926/role/ScheduleExpenseExample20143 column dei_LegalEntityAxis compact cik0001084380_S000026507Member row primary compact * ~ Portfolio turnover <p style="font-family:Sans-Serif; font-size:9.5pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt">The Fund pays transaction costs, such as commissions, when it buys and sells securities (or &#8220;turns over&#8221; its portfolio). A higher portfolio turnover rate may indicate higher transaction costs and may result in higher taxes when Fund shares are held in a taxable account. These costs, which are not reflected in annual fund operating expenses or in the example, affect the Fund&#8217;s performance. During the fiscal year ended May 31, 2019, the Fund&#8217;s portfolio turnover rate was 4% of the average value of its portfolio.</p> 0.04 Fees and expenses <p style="font-family:Sans-Serif; font-size:9.5pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt">This table describes the fees and expenses that you may pay if you buy and hold shares of the Fund. 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text-align:right; text-indent:-09.35pt">100.00%</p></td></tr></table> <br/><p style="font-family:Sans-Serif; font-size:9.5pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt">The following chart shows how the investment glidepath for the Fund is expected to gradually move the Fund&#8217;s target allocations over time between the different target market sector allocations. The actual market sector allocations of the Fund may differ from this chart. The Fund seeks to achieve its final target market sector allocations approximately 30 years following the target&#160;date. </p> <br/><table border="0" cellpadding="0" cellspacing="0" style="width: 100%; border-collapse: collapse; font: 11pt Calibri, Helvetica, Sans-Serif"> <tr style="vertical-align: bottom"> <td colspan="6" style="border-top: Black 0.5pt solid; border-right: black 0.5pt solid; border-bottom: Black 0.5pt solid; border-left: Black 0.5pt solid; text-align: center">Lifecycle Index Funds Glidepath as of June 30, 2020</td></tr> <tr style="vertical-align: bottom"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1pt solid; text-align: center; width: 20%">Years to Target Retirement Date</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1pt solid; text-align: center; width: 16%">US Equities</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1pt solid; text-align: center; width: 16%">International Equities</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1pt solid; text-align: center; width: 16%">Fixed Income</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1pt solid; text-align: center; width: 16%">Short Term Fixed Income</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1pt solid; text-align: center; width: 16%">Inflation Protected Bonds</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">45</td> <td style="text-align: center">66.50%</td> <td style="text-align: center">28.50%</td> <td style="text-align: center">5.00%</td> <td style="text-align: center">0.00%</td> <td style="text-align: center">0.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">40</td> <td style="text-align: center">65.62%</td> <td style="text-align: center">28.13%</td> <td style="text-align: center">6.25%</td> <td style="text-align: center">0.00%</td> <td style="text-align: center">0.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">35</td> <td style="text-align: center">64.75%</td> <td style="text-align: center">27.75%</td> <td style="text-align: center">7.50%</td> <td style="text-align: center">0.00%</td> <td style="text-align: center">0.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">30</td> <td style="text-align: center">63.87%</td> <td style="text-align: center">27.38%</td> <td style="text-align: center">8.75%</td> <td style="text-align: center">0.00%</td> <td style="text-align: center">0.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">25</td> <td style="text-align: center">63.00%</td> <td style="text-align: center">27.00%</td> <td style="text-align: center">10.00%</td> <td style="text-align: center">0.00%</td> <td style="text-align: center">0.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">20</td> <td style="text-align: center">57.40%</td> <td style="text-align: center">24.60%</td> <td style="text-align: center">18.00%</td> <td style="text-align: center">0.00%</td> <td style="text-align: center">0.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">15</td> <td style="text-align: center">51.80%</td> <td style="text-align: center">22.20%</td> <td style="text-align: center">26.00%</td> <td style="text-align: center">0.00%</td> <td style="text-align: center">0.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">10</td> <td style="text-align: center">46.20%</td> <td style="text-align: center">19.80%</td> <td style="text-align: center">30.00%</td> <td style="text-align: center">2.00%</td> <td style="text-align: center">2.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">5</td> <td style="text-align: center">40.60%</td> <td style="text-align: center">17.40%</td> <td style="text-align: center">34.00%</td> <td style="text-align: center">4.00%</td> <td style="text-align: center">4.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">0</td> <td style="text-align: center">35.00%</td> <td style="text-align: center">15.00%</td> <td style="text-align: center">38.00%</td> <td style="text-align: center">6.00%</td> <td style="text-align: center">6.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">-5</td> <td style="text-align: center">31.50%</td> <td style="text-align: center">13.50%</td> <td style="text-align: center">39.00%</td> <td style="text-align: center">8.00%</td> <td style="text-align: center">8.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">-10</td> <td style="text-align: center">28.00%</td> <td style="text-align: center">12.00%</td> <td style="text-align: center">40.00%</td> <td style="text-align: center">10.00%</td> <td style="text-align: center">10.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">-15</td> <td style="text-align: center">24.50%</td> <td style="text-align: center">10.50%</td> <td style="text-align: center">40.00%</td> <td style="text-align: center">15.00%</td> <td style="text-align: center">10.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">-20</td> <td style="text-align: center">21.00%</td> <td style="text-align: center">9.00%</td> <td style="text-align: center">40.00%</td> <td style="text-align: center">20.00%</td> <td style="text-align: center">10.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">-25</td> <td style="text-align: center">17.50%</td> <td style="text-align: center">7.50%</td> <td style="text-align: center">40.00%</td> <td style="text-align: center">25.00%</td> <td style="text-align: center">10.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">-30</td> <td style="text-align: center">14.00%</td> <td style="text-align: center">6.00%</td> <td style="text-align: center">40.00%</td> <td style="text-align: center">30.00%</td> <td style="text-align: center">10.00%</td></tr> </table> <br/><p style="font-family:Sans-Serif; font-size:9.5pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt">The Fund is designed to accommodate investors who invest in a fund up to their target retirement date, and plan to make gradual systematic withdrawals in retirement. In addition, investors should note that the Fund will continue to have a significant level of equity exposure up to, through and after its target retirement date, and this exposure could cause significant fluctuations in the value of the Fund depending on the performance of the equity markets generally.</p> <br/><p style="font-family:Sans-Serif; font-size:9.5pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt">After the Fund reaches its final target allocation, the Board of Trustees may authorize the merger of the Fund into another Lifecycle Index Fund which has also reached its final target allocation or other similar fund designed to maintain a relatively stable asset allocation reflecting the resting point on the glidepath described in the chart above. Fund shareholders will receive prior notice of any such merger.</p> Past performance <p style="font-family:Sans-Serif; font-size:9.5pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt">The following chart and table help illustrate some of the risks of investing in the Fund by showing changes in the Fund&#8217;s performance from year to year. The bar chart shows the annual total returns of the Retirement Class of the Fund, before taxes, in each full calendar year since inception of the Retirement Class. Because the expenses vary across share classes, the performance of the Retirement Class may vary from the other share classes. Below the bar chart are the best and worst returns of the Retirement Class for a calendar quarter during the full calendar-year periods covered by the bar chart. The performance table following the bar chart shows the Fund&#8217;s average annual total returns for the Retirement, Institutional, Advisor and Premier classes over the applicable one-year, five-year, ten-year and since-inception periods ended December 31, 2018, and how those returns compare to those of a broad-based securities market index and a composite index based on the Fund&#8217;s target allocations. After-tax performance is shown only for the Retirement Class shares, and after-tax returns for the other classes of shares will vary from the after-tax returns presented for Retirement Class&#160;shares. </p> <br/><p style="font-family:Sans-Serif; font-size:9.5pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt">The returns shown below reflect previous agreements by Advisors to waive or reimburse the Fund and certain Underlying Funds for certain fees and expenses. Without these waivers and reimbursements, the returns of the Fund would have been lower. Past performance of the Fund (before and after taxes) is not necessarily an indication of how it will perform in the future. The indices listed below are unmanaged, and you cannot invest directly in an index. The returns for the indices reflect no deduction for fees, expenses or taxes.</p> <br/><p style="font-family:Sans-Serif; font-size:9.5pt; font-style:italic; font-weight:normal; text-align:left; text-indent:12.25pt">For current performance information of each share class, including performance to the most recent month-end, please visit www.tiaa.org.</p> ANNUAL TOTAL RETURNS FOR THE RETIREMENT CLASS SHARES (%)&#8224; Lifecycle Index 2050 Fund 0.1351 -0.0170 0.1539 0.2488 0.0653 -0.0091 0.0923 0.2118 -0.0726 ~ http://www.TIAA.com/20190926/role/ScheduleAnnualTotalReturnsBarChart20151 column dei_LegalEntityAxis compact cik0001084380_S000026508Member row primary compact * ~ Best quarter: 0.1185 2010-09-30 Worst quarter: -0.1485 2011-09-30 The year-to-date return as of the most recent calendar quarter, which ended on June 30, 2019, was 0.1590 2019-06-30 <p style="font-family:Sans-Serif; font-size:1.0pt; font-style:normal; font-weight:normal; text-align:left"><font style="font-family:Sans-Serif; font-size:8.5pt; font-weight:normal">Best quarter: 11.85%, for the quarter ended September 30, 2010. Worst quarter: -14.85%, for the quarter ended September 30, 2011.</font></p> <p style="font-family:Sans-Serif; font-size:1.0pt; font-style:normal; font-weight:normal; margin-left:09.00pt; text-align:left; text-indent:-09.00pt"><font style="font-family:Sans-Serif; font-size:8.5pt; font-weight:normal"><sup>&#8224;</sup></font><font style="font-family:Sans-Serif; font-size:8.5pt; font-weight:normal"><font style="word-spacing:5.5pt">&#160;</font>The year-to-date return as of the most recent calendar quarter, which ended on June 30, 2019, was 15.90%.</font></p> -0.0726 0.0532 0.0876 -0.0780 0.0472 0.0823 -0.0395 0.0406 0.0705 -0.0701 0.0559 0.0903 -0.0705 0.0545 0.0883 -0.0713 0.0543 0.0887 -0.0794 0.0501 0.0864 -0.0714 0.0565 0.0914 2009-09-30 2015-12-04 2009-09-30 2009-09-30 ~ http://www.TIAA.com/20190926/role/ScheduleAverageAnnualReturnsTransposed20152 column dei_LegalEntityAxis compact cik0001084380_S000026508Member column rr_PerformanceMeasureAxis compact * row primary compact * ~ <p style="font-family: Sans-Serif; font-size: 8.5pt; font-style: italic; font-weight: normal; text-align: left;">Current performance of the Fund&#8217;s shares may be higher or lower than that shown above.</p> <br/><p>After-tax returns are calculated using the historical highest individual federal marginal income tax rates in effect during the periods shown and do not reflect the impact of state and local taxes. Actual after-tax returns depend on the investor&#8217;s tax situation and may differ from those shown. The after-tax returns shown are not relevant to investors who hold their Fund shares through tax-deferred arrangements such as 401(a), 401(k) or 403(b) plans or Individual Retirement Accounts (IRAs). After-tax returns are shown for only one class, and after-tax returns for other classes will vary.</p> As of the close of business on December 31, 2018, the Lifecycle Index 2050 Fund Composite Index consisted of: 64.1% Russell 3000&#174; Index; 27.5% MSCI EAFE + Emerging Markets Index; and 8.4% Bloomberg Barclays U.S. Aggregate Bond Index. The Fund&#8217;s composite benchmark, the components that make up a composite benchmark and the method of calculating a composite benchmark&#8217;s performance may vary over time. The after-tax returns shown are not relevant to investors who hold their Fund shares through tax-deferred arrangements such as 401(a), 401(k) or 403(b) plans or Individual Retirement Accounts (IRAs). (reflects no deductions for fees, expenses or taxes) After-tax performance is shown only for the Retirement Class shares, and after-tax returns for the other classes of shares will vary from the after-tax returns presented for Retirement Class shares. Past performance of the Fund (before and after taxes) is not necessarily an indication of how it will perform in the future. AVERAGE ANNUAL TOTAL RETURNS For the Periods Ended December 31, 2018 The following chart and table help illustrate some of the risks of investing in the Fund by showing changes in the Fund&#8217;s performance from year to year. After-tax returns are calculated using the historical highest individual federal marginal income tax rates in effect during the periods shown and do not reflect the impact of state and local taxes. www.tiaa.org Example <p style="font-family:Sans-Serif; font-size:1.0pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt"><font style="font-family:Sans-Serif; font-size:9.5pt; font-weight:normal">This example is intended to help you compare the cost of investing in shares of the Fund with the cost of investing in other mutual funds. The example assumes that you invest $10,000 in the Fund for the time periods indicated and then redeem all your shares at the end of those periods. The example also assumes that your investment has a 5% return each year and that the Fund&#8217;s operating expenses, before fee waivers and/or expense reimbursements, remain the same. The example assumes that the Fund&#8217;s fee waiver and/or expense reimbursement arrangements will each remain in place for the durations noted in the table above. Although your actual costs may be higher or lower, based on these assumptions your costs would be: </font></p> 10 18 26 36 52 80 100 132 98 147 182 237 234 346 422 546 ~ http://www.TIAA.com/20190926/role/ScheduleExpenseExample20150 column dei_LegalEntityAxis compact cik0001084380_S000026508Member row primary compact * ~ Portfolio turnover <p style="font-family:Sans-Serif; font-size:9.5pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt">The Fund pays transaction costs, such as commissions, when it buys and sells securities (or &#8220;turns over&#8221; its portfolio). A higher portfolio turnover rate may indicate higher transaction costs and may result in higher taxes when Fund shares are held in a taxable account. These costs, which are not reflected in annual fund operating expenses or in the example, affect the Fund&#8217;s performance. During the fiscal year ended May 31, 2019, the Fund&#8217;s portfolio turnover rate was 5% of the average value of its portfolio.</p> 0.05 Fees and expenses <p style="font-family:Sans-Serif; font-size:9.5pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt">This table describes the fees and expenses that you may pay if you buy and hold shares of the Fund. In addition to the fees and expenses described below, investors may be required to pay a commission to a broker-dealer or other financial intermediary on purchases and sales of Institutional Class or Advisor Class shares of the Fund.</p> 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.0015 0.0015 0.0015 0.0015 0.0015 0.0004 0.0013 0.0004 0.0029 0.0019 0.0028 0.0034 0.0044 -0.0009 -0.0010 -0.0009 -0.0009 0.0010 0.0018 0.0025 0.0035 ~ http://www.TIAA.com/20190926/role/ScheduleShareholderFees20148 column dei_LegalEntityAxis compact cik0001084380_S000026508Member row primary compact * ~ ~ http://www.TIAA.com/20190926/role/ScheduleAnnualFundOperatingExpenses20149 column dei_LegalEntityAxis compact cik0001084380_S000026508Member row primary compact * ~ Restated to reflect estimates for the current fiscal year. SHAREHOLDER FEES (fees paid directly from your investment) ANNUAL FUND OPERATING EXPENSES (expenses that you pay each year as a percentage of the value of your investment) TIAA-CREF Lifecycle Index 2055 Fund Investment objective <p style="font-family:Sans-Serif; font-size:9.5pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt">The Lifecycle Index 2055 Fund seeks high total return over time through a combination of capital appreciation and income.</p> Principal investment risks <p style="font-family:Sans-Serif; font-size:1.0pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt"><font style="font-family:Sans-Serif; font-size:9.5pt; font-weight:normal">You could lose money over short or long periods by investing in this Fund. 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Principal investment strategies <p style="font-family:Sans-Serif; font-size:9.5pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt">The Fund is a &#8220;fund of funds&#8221; that invests in Class W shares of other funds of the Trust and potentially in other investment pools or investment products, including other funds advised by the Fund&#8217;s investment adviser, Teachers Advisors, LLC (&#8220;Advisors&#8221;), or its affiliates (collectively, the &#8220;Underlying Funds&#8221;). In general, the Fund is designed for investors who have an approximate target retirement year in mind, and the Fund&#8217;s investments are adjusted from more aggressive to more conservative over time as the Fund&#8217;s target retirement year approaches and for approximately 30 years afterwards. The Fund invests in Underlying Funds according to an asset allocation strategy designed for investors retiring in, or planning to retire within a few years of, 2055 and who may begin taking systematic withdrawals upon retirement. The Fund has a policy of investing at least 80% of its assets (net assets, plus the amount of any borrowings for investment purposes) in Underlying Funds that are managed to seek investment returns that track particular market indices. </p> <br/><p style="font-family:Sans-Serif; font-size:9.5pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt">Advisors currently expects to allocate approximately 92.50% <font style="font-family:Sans-Serif; font-weight:normal">of the Fund&#8217;s assets to equity Underlying Funds</font> and 7.50% of its assets to fixed-income Underlying Funds. These allocations represent targets for equity and fixed-income asset classes. Target allocations will change over time and actual allocations may vary up to ten percentage points from the targets. The target allocations along the investment glidepath, illustrated in the chart below, gradually become more conservative, moving to target allocations of approximately 50.00% equity/50.00% fixed-income in the Fund&#8217;s target retirement year of 2055 and reaching the Fund&#8217;s final target allocation of approximately 20.00% equity/80.00% fixed-income in 2085. Within the equity and fixed-income asset classes, Advisors allocates the Fund&#8217;s investments to particular market sectors (U.S. equity, international equity, fixed-income, short-term fixed-income and inflation-protected assets) represented by various Underlying Funds. These market sector allocations may vary by up to 10% from the Fund&#8217;s target market sector allocations. The Fund&#8217;s current target market sector allocations for June 30, 2020, which will change over time, are approximately as follows: U.S. Equity: 64.75%; International Equity: 27.75%; Fixed-Income: 7.50%; Short-Term Fixed-Income: 0.00%; and Inflation-Protected Assets: 0.00%. 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text-align:right; text-indent:-09.35pt">100.00%</p></td></tr></table> <br/><p style="font-family:Sans-Serif; font-size:9.5pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt">The following chart shows how the investment glidepath for the Fund is expected to gradually move the Fund&#8217;s target allocations over time between the different target market sector allocations. The actual market sector allocations of the Fund may differ from this chart. The Fund seeks to achieve its final target market sector allocations approximately 30 years following the target&#160;date. </p> <br/><table border="0" cellpadding="0" cellspacing="0" style="width: 100%; border-collapse: collapse; font: 11pt Calibri, Helvetica, Sans-Serif"> <tr style="vertical-align: bottom"> <td colspan="6" style="border-top: Black 0.5pt solid; border-right: black 0.5pt solid; border-bottom: Black 0.5pt solid; border-left: Black 0.5pt solid; text-align: center">Lifecycle Index Funds Glidepath as of June 30, 2020</td></tr> <tr style="vertical-align: bottom"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1pt solid; text-align: center; width: 20%">Years to Target Retirement Date</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1pt solid; text-align: center; width: 16%">US Equities</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1pt solid; text-align: center; width: 16%">International Equities</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1pt solid; text-align: center; width: 16%">Fixed Income</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1pt solid; text-align: center; width: 16%">Short Term Fixed Income</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1pt solid; text-align: center; width: 16%">Inflation Protected Bonds</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">45</td> <td style="text-align: center">66.50%</td> <td style="text-align: center">28.50%</td> <td style="text-align: center">5.00%</td> <td style="text-align: center">0.00%</td> <td style="text-align: center">0.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">40</td> <td style="text-align: center">65.62%</td> <td style="text-align: center">28.13%</td> <td style="text-align: center">6.25%</td> <td style="text-align: center">0.00%</td> <td style="text-align: center">0.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">35</td> <td style="text-align: center">64.75%</td> <td style="text-align: center">27.75%</td> <td style="text-align: center">7.50%</td> <td style="text-align: center">0.00%</td> <td style="text-align: center">0.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">30</td> <td style="text-align: center">63.87%</td> <td style="text-align: center">27.38%</td> <td style="text-align: center">8.75%</td> <td style="text-align: center">0.00%</td> <td style="text-align: center">0.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">25</td> <td style="text-align: center">63.00%</td> <td style="text-align: center">27.00%</td> <td style="text-align: center">10.00%</td> <td style="text-align: center">0.00%</td> <td style="text-align: center">0.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">20</td> <td style="text-align: center">57.40%</td> <td style="text-align: center">24.60%</td> <td style="text-align: center">18.00%</td> <td style="text-align: center">0.00%</td> <td style="text-align: center">0.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">15</td> <td style="text-align: center">51.80%</td> <td style="text-align: center">22.20%</td> <td style="text-align: center">26.00%</td> <td style="text-align: center">0.00%</td> <td style="text-align: center">0.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">10</td> <td style="text-align: center">46.20%</td> <td style="text-align: center">19.80%</td> <td style="text-align: center">30.00%</td> <td style="text-align: center">2.00%</td> <td style="text-align: center">2.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">5</td> <td style="text-align: center">40.60%</td> <td style="text-align: center">17.40%</td> <td style="text-align: center">34.00%</td> <td style="text-align: center">4.00%</td> <td style="text-align: center">4.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">0</td> <td style="text-align: center">35.00%</td> <td style="text-align: center">15.00%</td> <td style="text-align: center">38.00%</td> <td style="text-align: center">6.00%</td> <td style="text-align: center">6.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">-5</td> <td style="text-align: center">31.50%</td> <td style="text-align: center">13.50%</td> <td style="text-align: center">39.00%</td> <td style="text-align: center">8.00%</td> <td style="text-align: center">8.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">-10</td> <td style="text-align: center">28.00%</td> <td style="text-align: center">12.00%</td> <td style="text-align: center">40.00%</td> <td style="text-align: center">10.00%</td> <td style="text-align: center">10.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">-15</td> <td style="text-align: center">24.50%</td> <td style="text-align: center">10.50%</td> <td style="text-align: center">40.00%</td> <td style="text-align: center">15.00%</td> <td style="text-align: center">10.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">-20</td> <td style="text-align: center">21.00%</td> <td style="text-align: center">9.00%</td> <td style="text-align: center">40.00%</td> <td style="text-align: center">20.00%</td> <td style="text-align: center">10.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">-25</td> <td style="text-align: center">17.50%</td> <td style="text-align: center">7.50%</td> <td style="text-align: center">40.00%</td> <td style="text-align: center">25.00%</td> <td style="text-align: center">10.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">-30</td> <td style="text-align: center">14.00%</td> <td style="text-align: center">6.00%</td> <td style="text-align: center">40.00%</td> <td style="text-align: center">30.00%</td> <td style="text-align: center">10.00%</td></tr> </table> <br/><p style="font-family:Sans-Serif; font-size:9.5pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt">The Fund is designed to accommodate investors who invest in a fund up to their target retirement date, and plan to make gradual systematic withdrawals in retirement. In addition, investors should note that the Fund will continue to have a significant level of equity exposure up to, through and after its target retirement date, and this exposure could cause significant fluctuations in the value of the Fund depending on the performance of the equity markets generally.</p> <br/><p style="font-family:Sans-Serif; font-size:9.5pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt">After the Fund reaches its final target allocation, the Board of Trustees may authorize the merger of the Fund into another Lifecycle Index Fund which has also reached its final target allocation or other similar fund designed to maintain a relatively stable asset allocation reflecting the resting point on the glidepath described in the chart above. Fund shareholders will receive prior notice of any such merger.</p> Past performance <p style="font-family:Sans-Serif; font-size:9.5pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt">The following chart and table help illustrate some of the risks of investing in the Fund by showing changes in the Fund&#8217;s performance from year to year. The bar chart shows the annual total returns of the Retirement Class of the Fund, before taxes, in each full calendar year since inception of the Retirement Class. Because the expenses vary across share classes, the performance of the Retirement Class may vary from the other share classes. Below the bar chart are the best and worst returns of the Retirement Class for a calendar quarter during the full calendar-year periods covered by the bar chart. The performance table following the bar chart shows the Fund&#8217;s average annual total returns for the Retirement, Institutional, Advisor and Premier classes over the applicable one-year, five-year, ten-year and since-inception periods ended December 31, 2018, and how those returns compare to those of a broad-based securities market index and a composite index based on the Fund&#8217;s target allocations. After-tax performance is shown only for the Retirement Class shares, and after-tax returns for the other classes of shares will vary from the after-tax returns presented for Retirement Class&#160;shares. </p> <br/><p style="font-family:Sans-Serif; font-size:9.5pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt">The returns shown below reflect previous agreements by Advisors to waive or reimburse the Fund and certain Underlying Funds for certain fees and expenses. Without these waivers and reimbursements, the returns of the Fund would have been lower. Past performance of the Fund (before and after taxes) is not necessarily an indication of how it will perform in the future. The indices listed below are unmanaged, and you cannot invest directly in an index. The returns for the indices reflect no deduction for fees, expenses or taxes.</p> <br/><p style="font-family:Sans-Serif; font-size:9.5pt; font-style:italic; font-weight:normal; text-align:left; text-indent:12.25pt">For current performance information of each share class, including performance to the most recent month-end, please visit www.tiaa.org.</p> ANNUAL TOTAL RETURNS FOR THE RETIREMENT CLASS SHARES (%)&#8224; Lifecycle Index 2055 Fund 0.1536 0.2493 0.0662 -0.0100 0.0942 0.2147 -0.0732 ~ http://www.TIAA.com/20190926/role/ScheduleAnnualTotalReturnsBarChart20158 column dei_LegalEntityAxis compact cik0001084380_S000031926Member row primary compact * ~ Best quarter: 0.1136 2012-03-31 Worst quarter: -0.1223 2018-12-31 The year-to-date return as of the most recent calendar quarter, which ended on June 30, 2019, was 0.1596 2019-06-30 <p style="font-family:Sans-Serif; font-size:1.0pt; font-style:normal; font-weight:normal; text-align:left"><font style="font-family:Sans-Serif; font-size:8.5pt; font-weight:normal">Best quarter: 11.36%, for the quarter ended March 31, 2012. Worst quarter: -12.23%, for the quarter ended December 31, 2018.</font></p> <p style="font-family:Sans-Serif; font-size:1.0pt; font-style:normal; font-weight:normal; margin-left:09.00pt; text-align:left; text-indent:-09.00pt"><font style="font-family:Sans-Serif; font-size:8.5pt; font-weight:normal"><sup>&#8224;</sup></font><font style="font-family:Sans-Serif; font-size:8.5pt; font-weight:normal"><font style="word-spacing:5.5pt">&#160;</font>The year-to-date return as of the most recent calendar quarter, which ended on June 30, 2019, was 15.96%.</font></p> -0.0732 0.0539 0.0710 -0.0786 0.0481 0.0655 -0.0400 0.0412 0.0558 -0.0714 0.0564 0.0736 -0.0711 0.0553 0.0719 -0.0721 0.0550 0.0721 -0.0797 0.0507 0.0682 -0.0724 0.0571 0.0745 2015-12-04 2011-04-29 2011-04-29 2011-04-29 ~ http://www.TIAA.com/20190926/role/ScheduleAverageAnnualReturnsTransposed20159 column dei_LegalEntityAxis compact cik0001084380_S000031926Member column rr_PerformanceMeasureAxis compact * row primary compact * ~ <p style="font-family: Sans-Serif; font-size: 8.5pt; font-style: italic; font-weight: normal; text-align: left;">Current performance of the Fund&#8217;s shares may be higher or lower than that shown above.</p> <br/><p>After-tax returns are calculated using the historical highest individual federal marginal income tax rates in effect during the periods shown and do not reflect the impact of state and local taxes. Actual after-tax returns depend on the investor&#8217;s tax situation and may differ from those shown. The after-tax returns shown are not relevant to investors who hold their Fund shares through tax-deferred arrangements such as 401(a), 401(k) or 403(b) plans or Individual Retirement Accounts (IRAs). After-tax returns are shown for only one class, and after-tax returns for other classes will vary.</p> As of the close of business on December 31, 2018, the Lifecycle Index 2055 Fund Composite Index consisted of: 65.0% Russell 3000&#174; Index; 27.9% MSCI EAFE + Emerging Markets Index; and 7.1% Bloomberg Barclays U.S. Aggregate Bond Index. The Fund&#8217;s composite benchmark, the components that make up a composite benchmark and the method of calculating a composite benchmark&#8217;s performance may vary over time. The after-tax returns shown are not relevant to investors who hold their Fund shares through tax-deferred arrangements such as 401(a), 401(k) or 403(b) plans or Individual Retirement Accounts (IRAs). (reflects no deductions for fees, expenses or taxes) After-tax performance is shown only for the Retirement Class shares, and after-tax returns for the other classes of shares will vary from the after-tax returns presented for Retirement Class shares. Past performance of the Fund (before and after taxes) is not necessarily an indication of how it will perform in the future. AVERAGE ANNUAL TOTAL RETURNS For the Periods Ended December 31, 2018 The following chart and table help illustrate some of the risks of investing in the Fund by showing changes in the Fund&#8217;s performance from year to year. After-tax returns are calculated using the historical highest individual federal marginal income tax rates in effect during the periods shown and do not reflect the impact of state and local taxes. www.tiaa.org Example <p style="font-family:Sans-Serif; font-size:1.0pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt"><font style="font-family:Sans-Serif; font-size:9.5pt; font-weight:normal">This example is intended to help you compare the cost of investing in shares of the Fund with the cost of investing in other mutual funds. The example assumes that you invest $10,000 in the Fund for the time periods indicated and then redeem all your shares at the end of those periods. The example also assumes that your investment has a 5% return each year and that the Fund&#8217;s operating expenses, before fee waivers and/or expense reimbursements, remain the same. The example assumes that the Fund&#8217;s fee waiver and/or expense reimbursement arrangements will each remain in place for the durations noted in the table above. Although your actual costs may be higher or lower, based on these assumptions your costs would be: </font></p> 10 18 26 36 59 84 105 137 112 157 191 247 268 369 445 569 ~ http://www.TIAA.com/20190926/role/ScheduleExpenseExample20157 column dei_LegalEntityAxis compact cik0001084380_S000031926Member row primary compact * ~ Portfolio turnover <p style="font-family:Sans-Serif; font-size:9.5pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt">The Fund pays transaction costs, such as commissions, when it buys and sells securities (or &#8220;turns over&#8221; its portfolio). A higher portfolio turnover rate may indicate higher transaction costs and may result in higher taxes when Fund shares are held in a taxable account. These costs, which are not reflected in annual fund operating expenses or in the example, affect the Fund&#8217;s performance. During the fiscal year ended May 31, 2019, the Fund&#8217;s portfolio turnover rate was 4% of the average value of its portfolio.</p> 0.04 Fees and expenses <p style="font-family:Sans-Serif; font-size:9.5pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt">This table describes the fees and expenses that you may pay if you buy and hold shares of the Fund. In addition to the fees and expenses described below, investors may be required to pay a commission to a broker-dealer or other financial intermediary on purchases and sales of Institutional Class or Advisor Class shares of the Fund.</p> 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.0015 0.0015 0.0015 0.0015 0.0015 0.0007 0.0015 0.0006 0.0031 0.0022 0.0030 0.0036 0.0046 -0.0012 -0.0012 -0.0011 -0.0011 0.0010 0.0018 0.0025 0.0035 ~ http://www.TIAA.com/20190926/role/ScheduleShareholderFees20155 column dei_LegalEntityAxis compact cik0001084380_S000031926Member row primary compact * ~ ~ http://www.TIAA.com/20190926/role/ScheduleAnnualFundOperatingExpenses20156 column dei_LegalEntityAxis compact cik0001084380_S000031926Member row primary compact * ~ Restated to reflect estimates for the current fiscal year. SHAREHOLDER FEES (fees paid directly from your investment) ANNUAL FUND OPERATING EXPENSES (expenses that you pay each year as a percentage of the value of your investment) TIAA-CREF Lifecycle Index 2060 Fund Investment objective <p style="font-family:Sans-Serif; font-size:9.5pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt">The Lifecycle Index 2060 Fund seeks high total return over time through a combination of capital appreciation and income.</p> Principal investment risks <p style="font-family:Sans-Serif; font-size:1.0pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt"><font style="font-family:Sans-Serif; font-size:9.5pt; font-weight:normal">You could lose money over short or long periods by investing in this Fund. 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text-align:right; text-indent:-09.35pt">100.00%</p></td></tr></table> <br/><p style="font-family:Sans-Serif; font-size:9.5pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt">The following chart shows how the investment glidepath for the Fund is expected to gradually move the Fund&#8217;s target allocations over time between the different target market sector allocations. The actual market sector allocations of the Fund may differ from this chart. The Fund seeks to achieve its final target market sector allocations approximately 30 years following the target&#160;date. </p> <br/><table border="0" cellpadding="0" cellspacing="0" style="width: 100%; border-collapse: collapse; font: 11pt Calibri, Helvetica, Sans-Serif"> <tr style="vertical-align: bottom"> <td colspan="6" style="border-top: Black 0.5pt solid; border-right: black 0.5pt solid; border-bottom: Black 0.5pt solid; border-left: Black 0.5pt solid; text-align: center">Lifecycle Index Funds Glidepath as of June 30, 2020</td></tr> <tr style="vertical-align: bottom"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1pt solid; text-align: center; width: 20%">Years to Target Retirement Date</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1pt solid; text-align: center; width: 16%">US Equities</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1pt solid; text-align: center; width: 16%">International Equities</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1pt solid; text-align: center; width: 16%">Fixed Income</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1pt solid; text-align: center; width: 16%">Short Term Fixed Income</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; border-bottom: Black 1pt solid; text-align: center; width: 16%">Inflation Protected Bonds</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">45</td> <td style="text-align: center">66.50%</td> <td style="text-align: center">28.50%</td> <td style="text-align: center">5.00%</td> <td style="text-align: center">0.00%</td> <td style="text-align: center">0.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">40</td> <td style="text-align: center">65.62%</td> <td style="text-align: center">28.13%</td> <td style="text-align: center">6.25%</td> <td style="text-align: center">0.00%</td> <td style="text-align: center">0.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">35</td> <td style="text-align: center">64.75%</td> <td style="text-align: center">27.75%</td> <td style="text-align: center">7.50%</td> <td style="text-align: center">0.00%</td> <td style="text-align: center">0.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">30</td> <td style="text-align: center">63.87%</td> <td style="text-align: center">27.38%</td> <td style="text-align: center">8.75%</td> <td style="text-align: center">0.00%</td> <td style="text-align: center">0.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">25</td> <td style="text-align: center">63.00%</td> <td style="text-align: center">27.00%</td> <td style="text-align: center">10.00%</td> <td style="text-align: center">0.00%</td> <td style="text-align: center">0.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">20</td> <td style="text-align: center">57.40%</td> <td style="text-align: center">24.60%</td> <td style="text-align: center">18.00%</td> <td style="text-align: center">0.00%</td> <td style="text-align: center">0.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">15</td> <td style="text-align: center">51.80%</td> <td style="text-align: center">22.20%</td> <td style="text-align: center">26.00%</td> <td style="text-align: center">0.00%</td> <td style="text-align: center">0.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">10</td> <td style="text-align: center">46.20%</td> <td style="text-align: center">19.80%</td> <td style="text-align: center">30.00%</td> <td style="text-align: center">2.00%</td> <td style="text-align: center">2.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">5</td> <td style="text-align: center">40.60%</td> <td style="text-align: center">17.40%</td> <td style="text-align: center">34.00%</td> <td style="text-align: center">4.00%</td> <td style="text-align: center">4.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">0</td> <td style="text-align: center">35.00%</td> <td style="text-align: center">15.00%</td> <td style="text-align: center">38.00%</td> <td style="text-align: center">6.00%</td> <td style="text-align: center">6.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">-5</td> <td style="text-align: center">31.50%</td> <td style="text-align: center">13.50%</td> <td style="text-align: center">39.00%</td> <td style="text-align: center">8.00%</td> <td style="text-align: center">8.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">-10</td> <td style="text-align: center">28.00%</td> <td style="text-align: center">12.00%</td> <td style="text-align: center">40.00%</td> <td style="text-align: center">10.00%</td> <td style="text-align: center">10.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">-15</td> <td style="text-align: center">24.50%</td> <td style="text-align: center">10.50%</td> <td style="text-align: center">40.00%</td> <td style="text-align: center">15.00%</td> <td style="text-align: center">10.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">-20</td> <td style="text-align: center">21.00%</td> <td style="text-align: center">9.00%</td> <td style="text-align: center">40.00%</td> <td style="text-align: center">20.00%</td> <td style="text-align: center">10.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">-25</td> <td style="text-align: center">17.50%</td> <td style="text-align: center">7.50%</td> <td style="text-align: center">40.00%</td> <td style="text-align: center">25.00%</td> <td style="text-align: center">10.00%</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center">-30</td> <td style="text-align: center">14.00%</td> <td style="text-align: center">6.00%</td> <td style="text-align: center">40.00%</td> <td style="text-align: center">30.00%</td> <td style="text-align: center">10.00%</td></tr> </table> <br/><p style="font-family:Sans-Serif; font-size:9.5pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt">The Fund is designed to accommodate investors who invest in a fund up to their target retirement date, and plan to make gradual systematic withdrawals in retirement. In addition, investors should note that the Fund will continue to have a significant level of equity exposure up to, through and after its target retirement date, and this exposure could cause significant fluctuations in the value of the Fund depending on the performance of the equity markets generally.</p> <br/><p style="font-family:Sans-Serif; font-size:9.5pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt">After the Fund reaches its final target allocation, the Board of Trustees may authorize the merger of the Fund into another Lifecycle Index Fund which has also reached its final target allocation or other similar fund designed to maintain a relatively stable asset allocation reflecting the resting point on the glidepath described in the chart above. Fund shareholders will receive prior notice of any such merger.</p> Past performance <p style="font-family:Sans-Serif; font-size:9.5pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt">The following chart and table help illustrate some of the risks of investing in the Fund by showing changes in the Fund&#8217;s performance from year to year. The bar chart shows the annual total returns of the Retirement Class of the Fund, before taxes, in each full calendar year since inception of the Retirement Class. Because the expenses vary across share classes, the performance of the Retirement Class may vary from the other share classes. Below the bar chart are the best and worst returns of the Retirement Class for a calendar quarter during the full calendar-year periods covered by the bar chart. The performance table following the bar chart shows the Fund&#8217;s average annual total returns for the Retirement, Institutional, Advisor and Premier classes over the applicable one-year, five-year, ten-year and since-inception periods ended December 31, 2018, and how those returns compare to those of a broad-based securities market index and a composite index based on the Fund&#8217;s target allocations. After-tax performance is shown only for the Retirement Class shares, and after-tax returns for the other classes of shares will vary from the after-tax returns presented for Retirement Class&#160;shares. </p> <br/><p style="font-family:Sans-Serif; font-size:9.5pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt">The returns shown below reflect previous agreements by Advisors to waive or reimburse the Fund and certain Underlying Funds for certain fees and expenses. Without these waivers and reimbursements, the returns of the Fund would have been lower. Past performance of the Fund (before and after taxes) is not necessarily an indication of how it will perform in the future. The indices listed below are unmanaged, and you cannot invest directly in an index. The returns for the indices reflect no deduction for fees, expenses or taxes.</p> <br/><p style="font-family:Sans-Serif; font-size:9.5pt; font-style:italic; font-weight:normal; text-align:left; text-indent:12.25pt">For current performance information of each share class, including performance to the most recent month-end, please visit www.tiaa.org.</p> ANNUAL TOTAL RETURNS FOR THE RETIREMENT CLASS SHARES (%)&#8224; Lifecycle Index 2060 Fund -0.0090 0.0955 0.2161 -0.0733 ~ http://www.TIAA.com/20190926/role/ScheduleAnnualTotalReturnsBarChart20165 column dei_LegalEntityAxis compact cik0001084380_S000046662Member row primary compact * ~ Best quarter: 0.0623 2017-03-31 Worst quarter: -0.1240 2018-12-31 The year-to-date return as of the most recent calendar quarter, which ended on June 30, 2019, was 0.1605 2019-06-30 <p style="font-family:Sans-Serif; font-size:1.0pt; font-style:normal; font-weight:normal; text-align:left"><font style="font-family:Sans-Serif; font-size:8.5pt; font-weight:normal">Best quarter: 6.23%, for the quarter ended March 31, 2017. Worst quarter: -12.40%, for the quarter ended December 31, 2018.</font></p> <p style="font-family:Sans-Serif; font-size:1.0pt; font-style:normal; font-weight:normal; margin-left:09.00pt; text-align:left; text-indent:-09.00pt"><font style="font-family:Sans-Serif; font-size:8.5pt; font-weight:normal"><sup>&#8224;</sup></font><font style="font-family:Sans-Serif; font-size:8.5pt; font-weight:normal"><font style="word-spacing:5.5pt">&#160;</font>The year-to-date return as of the most recent calendar quarter, which ended on June 30, 2019, was 16.05%.</font></p> -0.0733 0.0520 -0.0791 0.0448 -0.0397 0.0393 -0.0713 0.0545 -0.0716 0.0536 -0.0726 0.0531 -0.0795 0.0499 -0.0735 0.0551 2014-09-26 2014-09-26 2014-09-26 2015-12-04 ~ http://www.TIAA.com/20190926/role/ScheduleAverageAnnualReturnsTransposed20166 column dei_LegalEntityAxis compact cik0001084380_S000046662Member column rr_PerformanceMeasureAxis compact * row primary compact * ~ <p style="font-family: Sans-Serif; font-size: 8.5pt; font-style: italic; font-weight: normal; text-align: left;">Current performance of the Fund&#8217;s shares may be higher or lower than that shown above.</p> <br/><p>After-tax returns are calculated using the historical highest individual federal marginal income tax rates in effect during the periods shown and do not reflect the impact of state and local taxes. Actual after-tax returns depend on the investor&#8217;s tax situation and may differ from those shown. The after-tax returns shown are not relevant to investors who hold their Fund shares through tax-deferred arrangements such as 401(a), 401(k) or 403(b) plans or Individual Retirement Accounts (IRAs). After-tax returns are shown for only one class, and after-tax returns for other classes will vary.</p> As of the close of business on December 31, 2018, the Lifecycle Index 2060 Fund Composite Index consisted of: 65.9% Russell 3000&#174; Index; 28.2% MSCI EAFE + Emerging Markets Index; and 5.9% Bloomberg Barclays U.S. Aggregate Bond Index. The Fund&#8217;s composite benchmark, the components that make up a composite benchmark and the method of calculating a composite benchmark&#8217;s performance may vary over time. The after-tax returns shown are not relevant to investors who hold their Fund shares through tax-deferred arrangements such as 401(a), 401(k) or 403(b) plans or Individual Retirement Accounts (IRAs). (reflects no deductions for fees, expenses or taxes) After-tax performance is shown only for the Retirement Class shares, and after-tax returns for the other classes of shares will vary from the after-tax returns presented for Retirement Class shares. Past performance of the Fund (before and after taxes) is not necessarily an indication of how it will perform in the future. AVERAGE ANNUAL TOTAL RETURNS For the Periods Ended December 31, 2018 The following chart and table help illustrate some of the risks of investing in the Fund by showing changes in the Fund&#8217;s performance from year to year. After-tax returns are calculated using the historical highest individual federal marginal income tax rates in effect during the periods shown and do not reflect the impact of state and local taxes. www.tiaa.org Example <p style="font-family:Sans-Serif; font-size:1.0pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt"><font style="font-family:Sans-Serif; font-size:9.5pt; font-weight:normal">This example is intended to help you compare the cost of investing in shares of the Fund with the cost of investing in other mutual funds. The example assumes that you invest $10,000 in the Fund for the time periods indicated and then redeem all your shares at the end of those periods. The example also assumes that your investment has a 5% return each year and that the Fund&#8217;s operating expenses, before fee waivers and/or expense reimbursements, remain the same. The example assumes that the Fund&#8217;s fee waiver and/or expense reimbursement arrangements will each remain in place for the durations noted in the table above. Although your actual costs may be higher or lower, based on these assumptions your costs would be: </font></p> 10 18 26 36 83 108 131 163 162 207 246 301 396 495 581 704 ~ http://www.TIAA.com/20190926/role/ScheduleExpenseExample20164 column dei_LegalEntityAxis compact cik0001084380_S000046662Member row primary compact * ~ Portfolio turnover <p style="font-family:Sans-Serif; font-size:9.5pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt">The Fund pays transaction costs, such as commissions, when it buys and sells securities (or &#8220;turns over&#8221; its portfolio). A higher portfolio turnover rate may indicate higher transaction costs and may result in higher taxes when Fund shares are held in a taxable account. These costs, which are not reflected in annual fund operating expenses or in the example, affect the Fund&#8217;s performance. During the fiscal year ended May 31, 2019, the Fund&#8217;s portfolio turnover rate was 28% of the average value of its portfolio.</p> 0.28 Fees and expenses <p style="font-family:Sans-Serif; font-size:9.5pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt">This table describes the fees and expenses that you may pay if you buy and hold shares of the Fund. In addition to the fees and expenses described below, investors may be required to pay a commission to a broker-dealer or other financial intermediary on purchases and sales of Institutional Class or Advisor Class shares of the Fund.</p> 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.0015 0.0015 0.0015 0.0015 0.0015 0.0018 0.0026 0.0018 0.0043 0.0033 0.0041 0.0048 0.0058 -0.0023 -0.0023 -0.0023 -0.0023 0.0010 0.0018 0.0025 0.0035 ~ http://www.TIAA.com/20190926/role/ScheduleShareholderFees20162 column dei_LegalEntityAxis compact cik0001084380_S000046662Member row primary compact * ~ ~ http://www.TIAA.com/20190926/role/ScheduleAnnualFundOperatingExpenses20163 column dei_LegalEntityAxis compact cik0001084380_S000046662Member row primary compact * ~ Restated to reflect estimates for the current fiscal year. SHAREHOLDER FEES (fees paid directly from your investment) ANNUAL FUND OPERATING EXPENSES (expenses that you pay each year as a percentage of the value of your investment) TIAA-CREF Lifestyle Income Fund Investment objective <p style="font-family:Sans-Serif; font-size:9.5pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt">The Fund seeks current income with some capital appreciation.</p> Principal investment risks <p style="font-family:Sans-Serif; font-size:1.0pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt"><font style="font-family:Sans-Serif; font-size:9.5pt; font-weight:normal">You could lose money over short or long periods by investing in this Fund. 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The bar chart shows the annual total returns of the Institutional Class of the Fund, before taxes, in each full calendar year since inception of the Institutional Class. Because the expenses vary across share classes, the performance of the Institutional Class may vary from the other share classes. Below the bar chart are the best and worst returns of the Institutional Class for a calendar quarter during the full calendar-year periods covered by the bar chart. The performance table following the bar chart shows the Fund&#8217;s average annual total returns for the Institutional, Advisor, Premier, Retirement and Retail classes over the applicable one-year, five-year, ten-year and since-inception periods ended December 31, 2018, and how those returns compare to those of a broad-based securities market index and a composite index based on the Fund&#8217;s target allocations. After-tax performance is shown only for the Institutional Class shares, and after-tax returns for the other classes of shares will vary from the after-tax returns presented for Institutional Class&#160;shares. </p> <br/><p style="font-family:Sans-Serif; font-size:9.5pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt">The returns shown below reflect previous agreements by Advisors to waive or reimburse the Fund and certain Underlying Funds for certain fees and expenses. Without these waivers and reimbursements, the returns of the Fund would have been lower. Past performance of the Fund (before and after taxes) is not necessarily an indication of how it will perform in the future. The indices listed below are unmanaged, and you cannot invest directly in an index. The returns for the indices reflect no deduction for fees, expenses or taxes.</p> <br/><p style="font-family:Sans-Serif; font-size:9.5pt; font-style:italic; font-weight:normal; text-align:left; text-indent:12.25pt">For current performance information of each share class, including performance to the most recent month-end, please visit www.tiaa.org.</p> ANNUAL TOTAL RETURNS FOR THE INSTITUTIONAL CLASS SHARES (%)&#8224; Lifestyle Income Fund 0.0853 0.0505 0.0354 0.0077 0.0422 0.0743 -0.0204 ~ http://www.TIAA.com/20190926/role/ScheduleAnnualTotalReturnsBarChart20172 column dei_LegalEntityAxis compact cik0001084380_S000034961Member row primary compact * ~ Best quarter: 0.0394 2012-03-31 Worst quarter: -0.0277 2018-12-31 The year-to-date return as of the most recent calendar quarter, which ended on June 30, 2019, was 0.0744 2019-06-30 <p style="font-family:Sans-Serif; font-size:1.0pt; font-style:normal; font-weight:normal; text-align:left"><font style="font-family:Sans-Serif; font-size:8.5pt; font-weight:normal">Best quarter: 3.94%, for the quarter ended March 31, 2012. 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Actual after-tax returns depend on the investor&#8217;s tax situation and may differ from those shown. The after-tax returns shown are not relevant to investors who hold their Fund shares through tax-deferred arrangements such as 401(a), 401(k) or 403(b) plans or Individual Retirement Accounts (IRAs). After-tax returns are shown for only one class, and after-tax returns for other classes will vary.</p> As of the close of business on December 31, 2018, the Lifestyle Income Fund Composite Index consisted of: 40.0% Bloomberg Barclays U.S. Aggregate Bond Index; 40.0% Bloomberg Barclays U.S. 1&#8211;3 Year Government/Credit Bond Index; 14.0% Russell 3000&#174; Index; and 6.0% MSCI All Country World Index ex USA Investable Market Index. The Fund&#8217;s composite benchmark, the components that make up a composite benchmark and the method of calculating a composite benchmark&#8217;s performance may vary over time. The after-tax returns shown are not relevant to investors who hold their Fund shares through tax-deferred arrangements such as 401(a), 401(k) or 403(b) plans or Individual Retirement Accounts (IRAs). (reflects no deductions for fees, expenses or taxes) After-tax performance is shown only for the Institutional Class shares, and after-tax returns for the other classes of shares will vary from the after-tax returns presented for Institutional Class shares. Past performance of the Fund (before and after taxes) is not necessarily an indication of how it will perform in the future. AVERAGE ANNUAL TOTAL RETURNS For the Periods Ended December 31, 2018 The following chart and table help illustrate some of the risks of investing in the Fund by showing changes in the Fund&#8217;s performance from year to year. After-tax returns are calculated using the historical highest individual federal marginal income tax rates in effect during the periods shown and do not reflect the impact of state and local taxes. www.tiaa.org Example <p style="font-family:Sans-Serif; font-size:1.0pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt"><font style="font-family:Sans-Serif; font-size:9.5pt; font-weight:normal">This example is intended to help you compare the cost of investing in shares of the Fund with the cost of investing in other mutual funds. The example assumes that you invest $10,000 in the Fund for the time periods indicated and then redeem all your shares at the end of those periods. The example also assumes that your investment has a 5% return each year and that the Fund&#8217;s operating expenses, before fee waivers and/or expense reimbursements, remain the same. 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After-tax performance is shown only for the Institutional Class shares, and after-tax returns for the other classes of shares will vary from the after-tax returns presented for Institutional Class&#160;shares. </p> <br/><p style="font-family:Sans-Serif; font-size:9.5pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt">The returns shown below reflect previous agreements by Advisors to waive or reimburse the Fund and certain Underlying Funds for certain fees and expenses. Without these waivers and reimbursements, the returns of the Fund would have been lower. Past performance of the Fund (before and after taxes) is not necessarily an indication of how it will perform in the future. The indices listed below are unmanaged, and you cannot invest directly in an index. 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The after-tax returns shown are not relevant to investors who hold their Fund shares through tax-deferred arrangements such as 401(a), 401(k) or 403(b) plans or Individual Retirement Accounts (IRAs). (reflects no deductions for fees, expenses or taxes) After-tax performance is shown only for the Institutional Class shares, and after-tax returns for the other classes of shares will vary from the after-tax returns presented for Institutional Class shares. Past performance of the Fund (before and after taxes) is not necessarily an indication of how it will perform in the future. AVERAGE ANNUAL TOTAL RETURNS For the Periods Ended December 31, 2018 The following chart and table help illustrate some of the risks of investing in the Fund by showing changes in the Fund&#8217;s performance from year to year. 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The after-tax returns shown are not relevant to investors who hold their Fund shares through tax-deferred arrangements such as 401(a), 401(k) or 403(b) plans or Individual Retirement Accounts (IRAs). (reflects no deductions for fees, expenses or taxes) After-tax performance is shown only for the Institutional Class shares, and after-tax returns for the other classes of shares will vary from the after-tax returns presented for Institutional Class shares. Past performance of the Fund (before and after taxes) is not necessarily an indication of how it will perform in the future. AVERAGE ANNUAL TOTAL RETURNS For the Periods Ended December 31, 2018 The following chart and table help illustrate some of the risks of investing in the Fund by showing changes in the Fund&#8217;s performance from year to year. 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The Fund&#8217;s composite benchmark, the components that make up a composite benchmark and the method of calculating a composite benchmark&#8217;s performance may vary over time The after-tax returns shown are not relevant to investors who hold their Fund shares through tax-deferred arrangements such as 401(a), 401(k) or 403(b) plans or Individual Retirement Accounts (IRAs). (reflects no deductions for fees, expenses or taxes) After-tax performance is shown only for the Institutional Class shares, and after-tax returns for the other classes of shares will vary from the after-tax returns presented for Institutional Class shares. Past performance of the Fund (before and after taxes) is not necessarily an indication of how it will perform in the future. AVERAGE ANNUAL TOTAL RETURNS For the Periods Ended December 31, 2018 The following chart and table help illustrate some of the risks of investing in the Fund by showing changes in the Fund&#8217;s performance from year to year. 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The bar chart shows the annual total returns of the Institutional Class of the Fund, before taxes, in each full calendar year since inception of the Institutional Class. Because the expenses vary across share classes, the performance of the Institutional Class may vary from the other share classes. Below the bar chart are the best and worst returns of the Institutional Class for a calendar quarter during the full calendar-year periods covered by the bar chart. The performance table following the bar chart shows the Fund&#8217;s average annual total returns for the Institutional, Advisor, Premier, Retirement and Retail classes over the applicable one-year, five-year, ten-year and since-inception periods ended December 31, 2018, and how those returns compare to those of a broad-based securities market index and a composite index based on the Fund&#8217;s target allocations. After-tax performance is shown only for the Institutional Class shares, and after-tax returns for the other classes of shares will vary from the after-tax returns presented for Institutional Class&#160;shares. </p> <br/><p style="font-family:Sans-Serif; font-size:9.5pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt">The returns shown below reflect previous agreements by Advisors to waive or reimburse the Fund and certain Underlying Funds for certain fees and expenses. Without these waivers and reimbursements, the returns of the Fund would have been lower. Past performance of the Fund (before and after taxes) is not necessarily an indication of how it will perform in the future. The indices listed below are unmanaged, and you cannot invest directly in an index. The returns for the indices reflect no deduction for fees, expenses or taxes.</p> <br/><p style="font-family:Sans-Serif; font-size:9.5pt; font-style:italic; font-weight:normal; text-align:left; text-indent:12.25pt">For current performance information of each share class, including performance to the most recent month-end, please visit www.tiaa.org.</p> ANNUAL TOTAL RETURNS FOR THE INSTITUTIONAL CLASS SHARES (%)&#8224; Lifestyle Aggressive Growth Fund 0.1918 0.2987 0.0451 0.0028 0.0755 0.2558 -0.1118 ~ http://www.TIAA.com/20190926/role/ScheduleAnnualTotalReturnsBarChart20200 column dei_LegalEntityAxis compact cik0001084380_S000034958Member row primary compact * ~ Best quarter: 0.1433 2012-03-31 Worst quarter: -0.1589 2018-12-31 The year-to-date return as of the most recent calendar quarter, which ended on June 30, 2019, was 0.1761 2019-06-30 <p style="font-family:Sans-Serif; font-size:1.0pt; font-style:normal; font-weight:normal; text-align:left"><font style="font-family:Sans-Serif; font-size:8.5pt; font-weight:normal">Best quarter: 14.33%, for the quarter ended March 31, 2012. 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Actual after-tax returns depend on the investor&#8217;s tax situation and may differ from those shown. The after-tax returns shown are not relevant to investors who hold their Fund shares through tax-deferred arrangements such as 401(a), 401(k) or 403(b) plans or Individual Retirement Accounts (IRAs). After-tax returns are shown for only one class, and after-tax returns for other classes will vary.</p> As of the close of business on December 31, 2018, the Lifestyle Aggressive Growth Fund Composite Index consisted of: 70.0% Russell 3000&#174; Index; and 30.0% MSCI All Country World Index ex USA Investable Market Index. The Fund&#8217;s composite benchmark, the components that make up a composite benchmark and the method of calculating a composite benchmark&#8217;s performance may vary over time. The after-tax returns shown are not relevant to investors who hold their Fund shares through tax-deferred arrangements such as 401(a), 401(k) or 403(b) plans or Individual Retirement Accounts (IRAs). (reflects no deductions for fees, expenses or taxes) After-tax performance is shown only for the Institutional Class shares, and after-tax returns for the other classes of shares will vary from the after-tax returns presented for Institutional Class shares. Past performance of the Fund (before and after taxes) is not necessarily an indication of how it will perform in the future. AVERAGE ANNUAL TOTAL RETURNS For the Periods Ended December 31, 2018 The following chart and table help illustrate some of the risks of investing in the Fund by showing changes in the Fund&#8217;s performance from year to year. 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The returns for the indices reflect no deduction for fees, expenses or taxes.</p> <br/><p style="font-family:Sans-Serif; font-size:9.5pt; font-style:italic; font-weight:normal; text-align:left; text-indent:12.25pt">For current performance information of each share class, including performance to the most recent month-end, please visit www.tiaa.org.</p> ANNUAL TOTAL RETURNS FOR THE INSTITUTIONAL CLASS SHARES (%)&#8224; 0.2246 0.1344 0.0031 0.1465 0.1696 0.0516 0.0056 0.0693 0.1707 -0.0682 ~ http://www.TIAA.com/20190926/role/ScheduleAnnualTotalReturnsBarChart20207 column dei_LegalEntityAxis compact cik0001084380_S000012194Member row primary compact * ~ Best quarter: 0.1265 2009-06-30 Worst quarter: -0.1049 2011-09-30 The year-to-date return as of the most recent calendar quarter, which ended on June 30, 2019, was 0.1322 2019-06-30 <p style="font-family:Sans-Serif; font-size:1.0pt; font-style:normal; font-weight:normal; text-align:left"><font style="font-family:Sans-Serif; font-size:8.5pt; font-weight:normal">Best quarter: 12.65%, for the quarter ended June 30, 2009. 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Actual after-tax returns depend on the investor&#8217;s tax situation and may differ from those shown. The after-tax returns shown are not relevant to investors who hold their Fund shares through tax-deferred arrangements such as 401(a), 401(k) or 403(b) plans or Individual Retirement Accounts (IRAs). After-tax returns are shown for only one class, and after-tax returns for other classes will vary.</p> As of the close of business on December 31, 2018, the Managed Allocation Fund Composite Index consisted of: 42.0% Russell 3000&#174; Index; 40.0% Bloomberg Barclays U.S. Aggregate Bond Index; and 18.0% MSCI All Country World Index ex USA Investable Market Index. The Fund&#8217;s composite benchmark, the components that make up a composite benchmark and the method of calculating a composite benchmark&#8217;s performance may vary over time. The after-tax returns shown are not relevant to investors who hold their Fund shares through tax-deferred arrangements such as 401(a), 401(k) or 403(b) plans or Individual Retirement Accounts (IRAs). (reflects no deductions for fees, expenses or taxes) After-tax performance is shown only for the Institutional Class shares, and after-tax returns for the other classes of shares will vary from the after-tax returns presented for Institutional Class shares. Past performance of the Fund (before and after taxes) is not necessarily an indication of how it will perform in the future. AVERAGE ANNUAL TOTAL RETURNS For the Periods Ended December 31, 2018 The following chart and table help illustrate some of the risks of investing in the Fund by showing changes in the Fund&#8217;s performance from year to year. After-tax returns are calculated using the historical highest individual federal marginal income tax rates in effect during the periods shown and do not reflect the impact of state and local taxes. www.tiaa.org Example <p style="font-family:Sans-Serif; font-size:1.0pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt"><font style="font-family:Sans-Serif; font-size:9.5pt; font-weight:normal">This example is intended to help you compare the cost of investing in shares of the Fund with the cost of investing in other mutual funds. The example assumes that you invest $10,000 in the Fund for the time periods indicated and then redeem all your shares at the end of those periods. The example also assumes that your investment has a 5% return each year and that the Fund&#8217;s operating expenses, before fee waivers and/or expense reimbursements, remain the same. The example assumes that the Fund&#8217;s fee waiver and/or expense reimbursement arrangements will each remain in place for the duration noted in the table above. Although your actual costs may be higher or lower, based on these assumptions your costs would be: </font></p> 40 65 65 132 211 220 232 370 388 527 832 876 ~ http://www.TIAA.com/20190926/role/ScheduleExpenseExample20206 column dei_LegalEntityAxis compact cik0001084380_S000012194Member row primary compact * ~ Portfolio turnover <p style="font-family:Sans-Serif; font-size:9.5pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt">The Fund pays transaction costs, such as commissions, when it buys and sells securities (or &#8220;turns over&#8221; its portfolio). A higher portfolio turnover rate may indicate higher transaction costs and may result in higher taxes when Fund shares are held in a taxable account. These costs, which are not reflected in annual fund operating expenses or in the example, affect the Fund&#8217;s performance. During the fiscal year ended May 31, 2019, the Fund&#8217;s portfolio turnover rate was 20% of the average value of its portfolio.</p> 0.20 Fees and expenses <p style="font-family:Sans-Serif; font-size:9.5pt; font-style:normal; font-weight:normal; text-align:left; text-indent:12.25pt">This table describes the fees and expenses that you may pay if you buy and hold shares of the Fund. 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Disclosure - Risk/Return Detail Data {Elements} - TIAA-CREF Lifestyle Aggressive Growth Fund link:presentationLink link:definitionLink link:calculationLink 020209 - Disclosure - Risk/Return Detail Data {Elements} - TIAA-CREF Managed Allocation Fund link:presentationLink link:definitionLink link:calculationLink EX-101.DEF 5 cik0001084380-20190926_def.xml EX-101.LAB 6 cik0001084380-20190926_lab.xml EX-101.PRE 7 cik0001084380-20190926_pre.xml XML 9 R93.htm IDEA: XBRL DOCUMENT v3.19.3
TIAA-CREF Lifecycle Index 2010 Fund
TIAA-CREF Lifecycle Index 2010 Fund
Investment objective

The Lifecycle Index 2010 Fund seeks high total return over time through a combination of capital appreciation and income.

Fees and expenses

This table describes the fees and expenses that you may pay if you buy and hold shares of the Fund. In addition to the fees and expenses described below, investors may be required to pay a commission to a broker-dealer or other financial intermediary on purchases and sales of Institutional Class or Advisor Class shares of the Fund.

SHAREHOLDER FEES (fees paid directly from your investment)
Shareholder Fees - TIAA-CREF Lifecycle Index 2010 Fund
Institutional Class
Advisor Class
Premier Class
Retirement Class
Maximum sales charge imposed on purchases (percentage of offering price) none none none none
Maximum deferred sales charge none none none none
Maximum sales charge imposed on reinvested dividends and other distributions none none none none
Redemption or exchange fee none none none none
Maximum account fee none none none none
ANNUAL FUND OPERATING EXPENSES (expenses that you pay each year as a percentage of the value of your investment)
Annual Fund Operating Expenses - TIAA-CREF Lifecycle Index 2010 Fund
Institutional Class
Advisor Class
Premier Class
Retirement Class
Management fees [1],[2] 0.19% 0.19% 0.19% 0.19%
Distribution (Rule 12b-1) fees     0.15%  
Other expenses [1],[2] 0.06% 0.14% 0.06% 0.31%
Total annual Fund operating expenses 0.25% 0.33% 0.40% 0.50%
Waivers and expense reimbursements [3],[4] (0.15%) (0.15%) (0.15%) (0.15%)
Total annual Fund operating expenses after fee waiver and/or expense reimbursement 0.10% 0.18% 0.25% 0.35%
[1] Portions of the Management fees and Other expenses are based on expenses originally incurred by Class W shares of the Underlying Funds (as defined below) of the Trust, which have been incurred directly by the Fund pursuant to certain contractual arrangements intended to reallocate directly to the Fund certain fees and expenses that had been paid by the Underlying Funds of the Trust. For additional information, please see the "Management of the Funds" section of this Prospectus.
[2] Restated to reflect estimates for the current fiscal year.
[3] Advisors has contractually agreed to waive 0.102% of the Fund's Management fee. This waiver will remain in effect through September 30, 2020, unless changed with the approval of the Board of Trustees.
[4] Under the Fund's expense reimbursement arrangements, the Fund's investment adviser, Teachers Advisors, LLC ("Advisors"), has contractually agreed to reimburse the Fund for any Total annual Fund operating expenses (excluding interest, taxes, brokerage commissions or other transactional expenses, Acquired Fund fees and expenses, extraordinary expenses and any expenses originally attributable to Class W shares of the Underlying Funds of the Trust that were incurred directly by the Fund) that exceed: (i) 0.00% of average daily net assets for Institutional Class shares; (ii) 0.15% of average daily net assets for Advisor Class shares; (iii) 0.15% of average daily net assets for Premier Class shares; and (iv) 0.25% of average daily net assets for Retirement Class shares of the Fund. These expense reimbursement arrangements will continue through at least September 30, 2020, unless changed with approval of the Board of Trustees.
Example

This example is intended to help you compare the cost of investing in shares of the Fund with the cost of investing in other mutual funds. The example assumes that you invest $10,000 in the Fund for the time periods indicated and then redeem all your shares at the end of those periods. The example also assumes that your investment has a 5% return each year and that the Fund’s operating expenses, before fee waivers and/or expense reimbursements, remain the same. The example assumes that the Fund’s fee waiver and/or expense reimbursement arrangements will each remain in place for the durations noted in the table above. Although your actual costs may be higher or lower, based on these assumptions your costs would be:

Expense Example - TIAA-CREF Lifecycle Index 2010 Fund - USD ($)
Institutional Class
Advisor Class
Premier Class
Retirement Class
1 year $ 10 $ 18 $ 26 $ 36
3 years 65 91 113 145
5 years 126 170 209 265
10 years $ 303 $ 403 $ 491 $ 614
Portfolio turnover

The Fund pays transaction costs, such as commissions, when it buys and sells securities (or “turns over” its portfolio). A higher portfolio turnover rate may indicate higher transaction costs and may result in higher taxes when Fund shares are held in a taxable account. These costs, which are not reflected in annual fund operating expenses or in the example, affect the Fund’s performance. During the fiscal year ended May 31, 2019, the Fund’s portfolio turnover rate was 19% of the average value of its portfolio.

Principal investment strategies

The Fund is a “fund of funds” that invests in Class W shares of other funds of the Trust and potentially in other investment pools or investment products, including other funds advised by the Fund’s investment adviser, Teachers Advisors, LLC (“Advisors”), or its affiliates (collectively, the “Underlying Funds”). In general, the Fund is designed for investors who have an approximate target retirement year in mind, and the Fund’s investments are adjusted from more aggressive to more conservative over time as the Fund’s target retirement year approaches and for approximately 30 years afterwards. The Fund invests in Underlying Funds according to an asset allocation strategy designed for investors who retired in, or planned to retire within a few years of, 2010 and who may have begun taking systematic withdrawals upon retirement. The Fund has a policy of investing at least 80% of its assets (net assets, plus the amount of any borrowings for investment purposes) in Underlying Funds that are managed to seek investment returns that track particular market indices.


Advisors currently expects to allocate approximately 40.00% of the Fund’s assets to equity Underlying Funds and 60.00% of its assets to fixed-income Underlying Funds. These allocations represent targets for equity and fixed-income asset classes. Target allocations will change over time and actual allocations may vary up to ten percentage points from the targets. The target allocations along the investment glidepath, illustrated in the chart below, gradually become more conservative. The Fund had target allocations of approximately 50.00% equity/50.00% fixed-income in the Fund’s target retirement year of 2010 and will reach the Fund’s final target allocation of approximately 20.00% equity/80.00% fixed-income in 2040. Within the equity and fixed-income asset classes, Advisors allocates the Fund’s investments to particular market sectors (U.S. equity, international equity, fixed-income, short-term fixed-income and inflation-protected assets) represented by various Underlying Funds. These market sector allocations may vary by up to 10% from the Fund’s target market sector allocations. The Fund’s current target market sector allocations for June 30, 2020, which will change over time, are approximately as follows: U.S. Equity: 28.00%; International Equity: 12.00%; Fixed-Income: 40.00%; Short-Term Fixed-Income: 10.00%; and Inflation-Protected Assets: 10.00%. The asset class and market sector names used herein are intended to reflect the primary type of investment of the Underlying Funds within each of these categories.


The Fund’s target market sector allocations to Underlying Funds may include the TIAA-CREF Equity Index Fund (U.S. Equity); Emerging Markets Equity Index Fund and International Equity Index Fund (International Equity); Bond Index Fund (Fixed-Income); Short-Term Bond Index Fund (Short-Term Fixed-Income); and Inflation-Linked Bond Fund (Inflation-Protected Assets).


Additional or replacement Underlying Funds for each market sector, as well as additional or replacement market sectors, may be included when making future allocations if Advisors believes that such Underlying Funds and/or market sectors are appropriate in light of the Fund’s desired levels of risk and potential return at the particular time. The Fund’s portfolio management team may also add a new market sector if it believes that will help to achieve the Fund’s investment objective. The relative allocations among Underlying Funds within a market sector may be changed at any time without notice to shareholders. If 10% or more of the Fund’s assets are expected to be invested in any Underlying Fund or market sector not listed above, shareholders will receive prior notice of such change.


The Fund’s asset class allocations, market sector allocations within each asset class, and Underlying Fund allocations within each market sector, as of June 30, 2019, are listed in the chart below. These allocations will change over time. Underlying Fund allocations in particular may change from year to year.


        

Asset Class

Allocation

  

Market Sector

Allocation

 

Underlying Funds

Allocation

Equity

41.75%

 

U.S. Equity

29.28%

 

Ÿ Equity Index Fund

29.28%

   

International Equity

12.47%

 

Ÿ International Equity Index Fund

8.94%

      

Ÿ Emerging Markets Equity Index Fund

3.53%

Fixed-Income

58.25%

 

Fixed-Income

39.34%

 

Ÿ Bond Index Fund

39.34%

   

Short-Term
Fixed-Income

9.44%

 

Ÿ Short-Term Bond Index Fund

9.44%

   

Inflation-
Protected Assets

9.47%

 

Ÿ Inflation-Linked Bond Fund

9.47%


        

Total

100.00%

  

100.00%

  

100.00%


The following chart shows how the investment glidepath for the Fund is expected to gradually move the Fund’s target allocations over time between the different target market sector allocations. The actual market sector allocations of the Fund may differ from this chart. The Fund seeks to achieve its final target market sector allocations approximately 30 years following the target date.


Lifecycle Index Funds Glidepath as of June 30, 2020
Years to Target Retirement Date US Equities International Equities Fixed Income Short Term Fixed Income Inflation Protected Bonds
45 66.50% 28.50% 5.00% 0.00% 0.00%
40 65.62% 28.13% 6.25% 0.00% 0.00%
35 64.75% 27.75% 7.50% 0.00% 0.00%
30 63.87% 27.38% 8.75% 0.00% 0.00%
25 63.00% 27.00% 10.00% 0.00% 0.00%
20 57.40% 24.60% 18.00% 0.00% 0.00%
15 51.80% 22.20% 26.00% 0.00% 0.00%
10 46.20% 19.80% 30.00% 2.00% 2.00%
5 40.60% 17.40% 34.00% 4.00% 4.00%
0 35.00% 15.00% 38.00% 6.00% 6.00%
-5 31.50% 13.50% 39.00% 8.00% 8.00%
-10 28.00% 12.00% 40.00% 10.00% 10.00%
-15 24.50% 10.50% 40.00% 15.00% 10.00%
-20 21.00% 9.00% 40.00% 20.00% 10.00%
-25 17.50% 7.50% 40.00% 25.00% 10.00%
-30 14.00% 6.00% 40.00% 30.00% 10.00%

The Fund is designed to accommodate investors who invest in a fund up to their target retirement date, and plan to make gradual systematic withdrawals in retirement. In addition, investors should note that the Fund will continue to have a significant level of equity exposure up to, through and after its target retirement date, and this exposure could cause significant fluctuations in the value of the Fund depending on the performance of the equity markets generally.


After the Fund reaches its final target allocation, the Board of Trustees may authorize the merger of the Fund into another Lifecycle Index Fund which has also reached its final target allocation or other similar fund designed to maintain a relatively stable asset allocation reflecting the resting point on the glidepath described in the chart above. Fund shareholders will receive prior notice of any such merger.

Principal investment risks

You could lose money over short or long periods by investing in this Fund. An investment in the Fund, due to the nature of the Fund’s portfolio holdings, typically is subject to the following principal investment risks:


· Asset Allocation Risk—The risk that the Fund may not achieve its target allocations. In addition, there is the risk that the asset allocations may not achieve the desired risk-return characteristic or that the selection of Underlying Funds and the allocations among them will result in the Fund underperforming other similar funds or cause an investor to lose money.


· Index Risk—The risk that the Fund’s performance may not correspond to its benchmark index for any period of time and may underperform such index or the overall financial market. Additionally, to the extent that the Fund’s investments vary from the composition of its benchmark index, the Fund’s performance could potentially vary from the index’s performance to a greater extent than if the Fund merely attempted to replicate the index.


· Underlying Funds Risks—The Fund is exposed to the risks of the Underlying Funds in which it invests in direct proportion to the amount of assets the Fund allocates to each Underlying Fund.


· Equity Underlying Funds Risks—The risks of investing in equity Underlying Funds include risks specific to their investment strategies, as well as risks related to the equity markets in general, such as:


· market risk—The risk that the price of equity investments may decline in response to general market and economic conditions or events, including conditions and developments outside of the financial markets;


· issuer risk—The risk that an issuer’s earnings prospects and overall financial position will deteriorate, causing a decline in the value of the issuer’s financial instruments over short or extended periods of time; and


· foreign investment risk—The increased risks of adverse issuer, political, regulatory, currency, market or economic developments compared to investments in U.S. issuers, which can result in greater market and price volatility.


· Fixed-Income Underlying Funds Risks—The risks of investing in fixed-income Underlying Funds include risks specific to their investment strategies, as well as risks related to the fixed-income markets in general, such as:


· interest rate risk—The risk that the value or yield of fixed-income investments may decline if interest rates change, which could adversely affect a Fund’s income or the value of its holdings;


· extension risk—The risk that during periods of rising interest rates, borrowers may pay off their mortgage loans later than expected, preventing a Fund from reinvesting principal proceeds at higher interest rates and resulting in less income than potentially available;


· issuer risk—The risk that an issuer’s earnings prospects and overall financial position will deteriorate, causing a decline in the value of the issuer’s financial instruments over short or extended periods of time;


· credit risk—The risk that a decline in an issuer’s financial position may prevent it from making principal and interest payments on fixed-income investments held by a Fund when due;


· credit spread risk—The risk that credit spreads (i.e., the difference in yield between securities that is due to differences in each security’s respective credit quality) may increase when market participants believe that bonds generally have a greater risk of default, which could result in a decline in the market values of a Fund’s debt securities;


· income volatility risk—The risk that the level of current income from a Fund’s portfolio of fixed-income securities may decline due to rapid and unpredictable changes in prevailing market interest rates; and


· call risk—The risk that, during periods of falling interest rates, an issuer may call (or repay) a fixed-income security prior to maturity, resulting in a decline in a Fund’s income.


· Active Management Risk—The risk that the strategy, investment selection or trading execution of Advisors could cause the Fund or an Underlying Fund to underperform its benchmark index or mutual funds with similar investment objectives.


· Fund of Funds Risk—The ability of the Fund to achieve its investment objective will depend in part upon the ability of the Underlying Funds to achieve their investment objectives. There can be no guarantee that any Underlying Fund will achieve its investment objective.


There can be no assurances that the Fund will achieve its investment objective. You should not consider the Fund to be a complete investment program. Please see the non-summary portion of the Prospectus for more detailed information about the risks described above, including the risks of the Underlying Funds.

Past performance

The following chart and table help illustrate some of the risks of investing in the Fund by showing changes in the Fund’s performance from year to year. The bar chart shows the annual total returns of the Retirement Class of the Fund, before taxes, in each full calendar year since inception of the Retirement Class. Because the expenses vary across share classes, the performance of the Retirement Class may vary from the other share classes. Below the bar chart are the best and worst returns of the Retirement Class for a calendar quarter during the full calendar-year periods covered by the bar chart. The performance table following the bar chart shows the Fund’s average annual total returns for the Retirement, Institutional, Advisor and Premier classes over the applicable one-year, five-year, ten-year and since-inception periods ended December 31, 2018, and how those returns compare to those of a broad-based securities market index and a composite index based on the Fund’s target allocations. After-tax performance is shown only for the Retirement Class shares, and after-tax returns for the other classes of shares will vary from the after-tax returns presented for Retirement Class shares.


The returns shown below reflect previous agreements by Advisors to waive or reimburse the Fund and certain Underlying Funds for certain fees and expenses. Without these waivers and reimbursements, the returns of the Fund would have been lower. Past performance of the Fund (before and after taxes) is not necessarily an indication of how it will perform in the future. The indices listed below are unmanaged, and you cannot invest directly in an index. The returns for the indices reflect no deduction for fees, expenses or taxes.


For current performance information of each share class, including performance to the most recent month-end, please visit www.tiaa.org.

ANNUAL TOTAL RETURNS FOR THE RETIREMENT CLASS SHARES (%)† Lifecycle Index 2010 Fund
Bar Chart

 The year-to-date return as of the most recent calendar quarter, which ended on June 30, 2019, was 10.02%.

Best quarter: 7.77%, for the quarter ended September 30, 2010. Worst quarter: -6.63%, for the quarter ended September 30, 2011.

AVERAGE ANNUAL TOTAL RETURNS For the Periods Ended December 31, 2018
Average Annual Returns - TIAA-CREF Lifecycle Index 2010 Fund
1 Year
5 Years
Since Inception
Inception Date
Retirement Class (3.15%) 3.67% 5.92% Sep. 30, 2009
Institutional Class (2.87%) 3.94% 6.20% Sep. 30, 2009
Advisor Class (2.98%) 3.81% [1] 6.00% [1] Dec. 04, 2015
Premier Class (3.10%) 3.77% 6.04% Sep. 30, 2009
After Taxes on Distributions | Retirement Class (4.03%) 2.92% 5.24%  
After Taxes on Distributions and Sale of Fund Shares | Retirement Class (1.65%) 2.60% 4.51%  
S&P Target Date 2010 Index (3.10%) 3.40% 5.50% [2]  
Lifecycle Index 2010 Fund Composite Index (reflects no deductions for fees, expenses or taxes) [3] (2.94%) 4.01% 6.33% [2]  
[1] The performance shown for the Advisor Class that is prior to its inception date is based on performance of the Fund's Retirement Class. The performance for these periods has not been restated to reflect the lower expenses of the Advisor Class.
[2] Performance is calculated from the inception date of the Retirement Class.
[3] As of the close of business on December 31, 2018, the Lifecycle Index 2010 Fund Composite Index consisted of: 39.7% Bloomberg Barclays U.S. Aggregate Bond Index; 29.0% Russell 3000® Index; 12.5% MSCI EAFE + Emerging Markets Index; 9.4% Bloomberg Barclays U.S. 1-3 Year Government/Credit Bond Index; and 9.4% Bloomberg Barclays U.S. Treasury Inflation Protected Securities (TIPS) 1-10 Year Index. The Fund's composite benchmark, the components that make up a composite benchmark and the method of calculating a composite benchmark's performance may vary over time.

Current performance of the Fund’s shares may be higher or lower than that shown above.


After-tax returns are calculated using the historical highest individual federal marginal income tax rates in effect during the periods shown and do not reflect the impact of state and local taxes. Actual after-tax returns depend on the investor’s tax situation and may differ from those shown. The after-tax returns shown are not relevant to investors who hold their Fund shares through tax-deferred arrangements such as 401(a), 401(k) or 403(b) plans or Individual Retirement Accounts (IRAs). After-tax returns are shown for only one class, and after-tax returns for other classes will vary.

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Label Element Value
TIAA-CREF Lifecycle Index 2035 Fund  
Risk/Return: rr_RiskReturnAbstract  
Risk/Return [Heading] rr_RiskReturnHeading TIAA-CREF Lifecycle Index 2035 Fund
Objective [Heading] rr_ObjectiveHeading Investment objective
Objective, Primary [Text Block] rr_ObjectivePrimaryTextBlock

The Lifecycle Index 2035 Fund seeks high total return over time through a combination of capital appreciation and income.

Expense [Heading] rr_ExpenseHeading Fees and expenses
Expense Narrative [Text Block] rr_ExpenseNarrativeTextBlock

This table describes the fees and expenses that you may pay if you buy and hold shares of the Fund. In addition to the fees and expenses described below, investors may be required to pay a commission to a broker-dealer or other financial intermediary on purchases and sales of Institutional Class or Advisor Class shares of the Fund.

Shareholder Fees Caption [Text] rr_ShareholderFeesCaption SHAREHOLDER FEES (fees paid directly from your investment)
Operating Expenses Caption [Text] rr_OperatingExpensesCaption ANNUAL FUND OPERATING EXPENSES (expenses that you pay each year as a percentage of the value of your investment)
Portfolio Turnover [Heading] rr_PortfolioTurnoverHeading Portfolio turnover
Portfolio Turnover [Text Block] rr_PortfolioTurnoverTextBlock

The Fund pays transaction costs, such as commissions, when it buys and sells securities (or “turns over” its portfolio). A higher portfolio turnover rate may indicate higher transaction costs and may result in higher taxes when Fund shares are held in a taxable account. These costs, which are not reflected in annual fund operating expenses or in the example, affect the Fund’s performance. During the fiscal year ended May 31, 2019, the Fund’s portfolio turnover rate was 7% of the average value of its portfolio.

Portfolio Turnover, Rate rr_PortfolioTurnoverRate 7.00%
Expenses Restated to Reflect Current [Text] rr_ExpensesRestatedToReflectCurrent Restated to reflect estimates for the current fiscal year.
Expense Example [Heading] rr_ExpenseExampleHeading Example
Expense Example Narrative [Text Block] rr_ExpenseExampleNarrativeTextBlock

This example is intended to help you compare the cost of investing in shares of the Fund with the cost of investing in other mutual funds. The example assumes that you invest $10,000 in the Fund for the time periods indicated and then redeem all your shares at the end of those periods. The example also assumes that your investment has a 5% return each year and that the Fund’s operating expenses, before fee waivers and/or expense reimbursements, remain the same. The example assumes that the Fund’s fee waiver and/or expense reimbursement arrangements will each remain in place for the durations noted in the table above. Although your actual costs may be higher or lower, based on these assumptions your costs would be:

Strategy [Heading] rr_StrategyHeading Principal investment strategies
Strategy Narrative [Text Block] rr_StrategyNarrativeTextBlock

The Fund is a “fund of funds” that invests in Class W shares of other funds of the Trust and potentially in other investment pools or investment products, including other funds advised by the Fund’s investment adviser, Teachers Advisors, LLC (“Advisors”), or its affiliates (collectively, the “Underlying Funds”). In general, the Fund is designed for investors who have an approximate target retirement year in mind, and the Fund’s investments are adjusted from more aggressive to more conservative over time as the Fund’s target retirement year approaches and for approximately 30 years afterwards. The Fund invests in Underlying Funds according to an asset allocation strategy designed for investors retiring in, or planning to retire within a few years of, 2035 and who may begin taking systematic withdrawals upon retirement. The Fund has a policy of investing at least 80% of its assets (net assets, plus the amount of any borrowings for investment purposes) in Underlying Funds that are managed to seek investment returns that track particular market indices.


Advisors currently expects to allocate approximately 74.00% of the Fund’s assets to equity Underlying Funds and 26.00% of its assets to fixed-income Underlying Funds. These allocations represent targets for equity and fixed-income asset classes. Target allocations will change over time and actual allocations may vary up to ten percentage points from the targets. The target allocations along the investment glidepath, illustrated in the chart below, gradually become more conservative, moving to target allocations of approximately 50.00% equity/50.00% fixed-income in the Fund’s target retirement year of 2035 and reaching the Fund’s final target allocation of approximately 20.00% equity/80.00% fixed-income in 2065. Within the equity and fixed-income asset classes, Advisors allocates the Fund’s investments to particular market sectors (U.S. equity, international equity, fixed-income, short-term fixed-income and inflation-protected assets) represented by various Underlying Funds. These market sector allocations may vary by up to 10% from the Fund’s target market sector allocations. The Fund’s current target market sector allocations for June 30, 2020, which will change over time, are approximately as follows: U.S. Equity: 51.80%; International Equity: 22.20%; Fixed-Income: 26.00%; Short-Term Fixed-Income: 0.00%; and Inflation-Protected Assets: 0.00%. The asset class and market sector names used herein are intended to reflect the primary type of investment of the Underlying Funds within each of these categories.


The Fund’s target market sector allocations to Underlying Funds may include the TIAA-CREF Equity Index Fund (U.S. Equity); Emerging Markets Equity Index Fund and International Equity Index Fund (International Equity); Bond Index Fund (Fixed-Income); Short-Term Bond Index Fund (Short-Term Fixed-Income); and Inflation-Linked Bond Fund (Inflation-Protected Assets).


Additional or replacement Underlying Funds for each market sector, as well as additional or replacement market sectors, may be included when making future allocations if Advisors believes that such Underlying Funds and/or market sectors are appropriate in light of the Fund’s desired levels of risk and potential return at the particular time. The Fund’s portfolio management team may also add a new market sector if it believes that will help to achieve the Fund’s investment objective. The relative allocations among Underlying Funds within a market sector may be changed at any time without notice to shareholders. If 10% or more of the Fund’s assets are expected to be invested in any Underlying Fund or market sector not listed above, shareholders will receive prior notice of such change.


The Fund’s asset class allocations, market sector allocations within each asset class, and Underlying Fund allocations within each market sector, as of June 30, 2019, are listed in the chart below. These allocations will change over time. Underlying Fund allocations in particular may change from year to year.


        

Asset Class

Allocation

  

Market Sector

Allocation

 

Underlying Funds

Allocation

Equity

76.16%

 

U.S. Equity

53.41%

 

Ÿ Equity Index Fund

53.41%

   

International Equity

22.75%

 

Ÿ International Equity Index Fund

16.31%

      

Ÿ Emerging Markets Equity Index Fund

6.44%

Fixed-Income

23.84%

 

Fixed-Income

23.84%

 

Ÿ Bond Index Fund

23.84%


        

Total

100.00%

  

100.00%

  

100.00%


The following chart shows how the investment glidepath for the Fund is expected to gradually move the Fund’s target allocations over time between the different target market sector allocations. The actual market sector allocations of the Fund may differ from this chart. The Fund seeks to achieve its final target market sector allocations approximately 30 years following the target date.


Lifecycle Index Funds Glidepath as of June 30, 2020
Years to Target Retirement Date US Equities International Equities Fixed Income Short Term Fixed Income Inflation Protected Bonds
45 66.50% 28.50% 5.00% 0.00% 0.00%
40 65.62% 28.13% 6.25% 0.00% 0.00%
35 64.75% 27.75% 7.50% 0.00% 0.00%
30 63.87% 27.38% 8.75% 0.00% 0.00%
25 63.00% 27.00% 10.00% 0.00% 0.00%
20 57.40% 24.60% 18.00% 0.00% 0.00%
15 51.80% 22.20% 26.00% 0.00% 0.00%
10 46.20% 19.80% 30.00% 2.00% 2.00%
5 40.60% 17.40% 34.00% 4.00% 4.00%
0 35.00% 15.00% 38.00% 6.00% 6.00%
-5 31.50% 13.50% 39.00% 8.00% 8.00%
-10 28.00% 12.00% 40.00% 10.00% 10.00%
-15 24.50% 10.50% 40.00% 15.00% 10.00%
-20 21.00% 9.00% 40.00% 20.00% 10.00%
-25 17.50% 7.50% 40.00% 25.00% 10.00%
-30 14.00% 6.00% 40.00% 30.00% 10.00%

The Fund is designed to accommodate investors who invest in a fund up to their target retirement date, and plan to make gradual systematic withdrawals in retirement. In addition, investors should note that the Fund will continue to have a significant level of equity exposure up to, through and after its target retirement date, and this exposure could cause significant fluctuations in the value of the Fund depending on the performance of the equity markets generally.


After the Fund reaches its final target allocation, the Board of Trustees may authorize the merger of the Fund into another Lifecycle Index Fund which has also reached its final target allocation or other similar fund designed to maintain a relatively stable asset allocation reflecting the resting point on the glidepath described in the chart above. Fund shareholders will receive prior notice of any such merger.

Risk [Heading] rr_RiskHeading Principal investment risks
Risk Narrative [Text Block] rr_RiskNarrativeTextBlock

You could lose money over short or long periods by investing in this Fund. An investment in the Fund, due to the nature of the Fund’s portfolio holdings, typically is subject to the following principal investment risks:


· Asset Allocation Risk—The risk that the Fund may not achieve its target allocations. In addition, there is the risk that the asset allocations may not achieve the desired risk-return characteristic or that the selection of Underlying Funds and the allocations among them will result in the Fund underperforming other similar funds or cause an investor to lose money.


· Index Risk—The risk that the Fund’s performance may not correspond to its benchmark index for any period of time and may underperform such index or the overall financial market. Additionally, to the extent that the Fund’s investments vary from the composition of its benchmark index, the Fund’s performance could potentially vary from the index’s performance to a greater extent than if the Fund merely attempted to replicate the index.


· Underlying Funds Risks—The Fund is exposed to the risks of the Underlying Funds in which it invests in direct proportion to the amount of assets the Fund allocates to each Underlying Fund.


· Equity Underlying Funds Risks—The risks of investing in equity Underlying Funds include risks specific to their investment strategies, as well as risks related to the equity markets in general, such as:


· market risk—The risk that the price of equity investments may decline in response to general market and economic conditions or events, including conditions and developments outside of the financial markets;


· issuer risk—The risk that an issuer’s earnings prospects and overall financial position will deteriorate, causing a decline in the value of the issuer’s financial instruments over short or extended periods of time; and


· foreign investment risk—The increased risks of adverse issuer, political, regulatory, currency, market or economic developments compared to investments in U.S. issuers, which can result in greater market and price volatility.


· Fixed-Income Underlying Funds Risks—The risks of investing in fixed-income Underlying Funds include risks specific to their investment strategies, as well as risks related to the fixed-income markets in general, such as:


· interest rate risk—The risk that the value or yield of fixed-income investments may decline if interest rates change, which could adversely affect a Fund’s income or the value of its holdings;


· extension risk—The risk that during periods of rising interest rates, borrowers may pay off their mortgage loans later than expected, preventing a Fund from reinvesting principal proceeds at higher interest rates and resulting in less income than potentially available;


· issuer risk—The risk that an issuer’s earnings prospects and overall financial position will deteriorate, causing a decline in the value of the issuer’s financial instruments over short or extended periods of time;


· credit risk—The risk that a decline in an issuer’s financial position may prevent it from making principal and interest payments on fixed-income investments held by a Fund when due;


· credit spread risk—The risk that credit spreads (i.e., the difference in yield between securities that is due to differences in each security’s respective credit quality) may increase when market participants believe that bonds generally have a greater risk of default, which could result in a decline in the market values of a Fund’s debt securities;


· income volatility risk—The risk that the level of current income from a Fund’s portfolio of fixed-income securities may decline due to rapid and unpredictable changes in prevailing market interest rates; and


· call risk—The risk that, during periods of falling interest rates, an issuer may call (or repay) a fixed-income security prior to maturity, resulting in a decline in a Fund’s income.


· Active Management Risk—The risk that the strategy, investment selection or trading execution of Advisors could cause the Fund or an Underlying Fund to underperform its benchmark index or mutual funds with similar investment objectives.


· Fund of Funds Risk—The ability of the Fund to achieve its investment objective will depend in part upon the ability of the Underlying Funds to achieve their investment objectives. There can be no guarantee that any Underlying Fund will achieve its investment objective.


There can be no assurances that the Fund will achieve its investment objective. You should not consider the Fund to be a complete investment program. Please see the non-summary portion of the Prospectus for more detailed information about the risks described above, including the risks of the Underlying Funds.

Risk Lose Money [Text] rr_RiskLoseMoney You could lose money over short or long periods by investing in this Fund.
Bar Chart and Performance Table [Heading] rr_BarChartAndPerformanceTableHeading Past performance
Performance Narrative [Text Block] rr_PerformanceNarrativeTextBlock

The following chart and table help illustrate some of the risks of investing in the Fund by showing changes in the Fund’s performance from year to year. The bar chart shows the annual total returns of the Retirement Class of the Fund, before taxes, in each full calendar year since inception of the Retirement Class. Because the expenses vary across share classes, the performance of the Retirement Class may vary from the other share classes. Below the bar chart are the best and worst returns of the Retirement Class for a calendar quarter during the full calendar-year periods covered by the bar chart. The performance table following the bar chart shows the Fund’s average annual total returns for the Retirement, Institutional, Advisor and Premier classes over the applicable one-year, five-year, ten-year and since-inception periods ended December 31, 2018, and how those returns compare to those of a broad-based securities market index and a composite index based on the Fund’s target allocations. After-tax performance is shown only for the Retirement Class shares, and after-tax returns for the other classes of shares will vary from the after-tax returns presented for Retirement Class shares.


The returns shown below reflect previous agreements by Advisors to waive or reimburse the Fund and certain Underlying Funds for certain fees and expenses. Without these waivers and reimbursements, the returns of the Fund would have been lower. Past performance of the Fund (before and after taxes) is not necessarily an indication of how it will perform in the future. The indices listed below are unmanaged, and you cannot invest directly in an index. The returns for the indices reflect no deduction for fees, expenses or taxes.


For current performance information of each share class, including performance to the most recent month-end, please visit www.tiaa.org.

Performance Information Illustrates Variability of Returns [Text] rr_PerformanceInformationIllustratesVariabilityOfReturns The following chart and table help illustrate some of the risks of investing in the Fund by showing changes in the Fund’s performance from year to year.
Performance Additional Market Index [Text] rr_PerformanceAdditionalMarketIndex As of the close of business on December 31, 2018, the Lifecycle Index 2035 Fund Composite Index consisted of: 53.5% Russell 3000® Index; 23.6% Bloomberg Barclays U.S. Aggregate Bond Index; and 22.9% MSCI EAFE + Emerging Markets Index. The Fund’s composite benchmark, the components that make up a composite benchmark and the method of calculating a composite benchmark’s performance may vary over time.
Performance Availability Website Address [Text] rr_PerformanceAvailabilityWebSiteAddress www.tiaa.org
Performance Past Does Not Indicate Future [Text] rr_PerformancePastDoesNotIndicateFuture Past performance of the Fund (before and after taxes) is not necessarily an indication of how it will perform in the future.
Bar Chart [Heading] rr_BarChartHeading ANNUAL TOTAL RETURNS FOR THE RETIREMENT CLASS SHARES (%)† Lifecycle Index 2035 Fund
Bar Chart Footnotes [Text Block] rr_BarChartFootnotesTextBlock

 The year-to-date return as of the most recent calendar quarter, which ended on June 30, 2019, was 14.20%.

Bar Chart Closing [Text Block] rr_BarChartClosingTextBlock

Best quarter: 11.89%, for the quarter ended September 30, 2010. Worst quarter: -14.45%, for the quarter ended September 30, 2011.

Year to Date Return, Label rr_YearToDateReturnLabel The year-to-date return as of the most recent calendar quarter, which ended on June 30, 2019, was
Bar Chart, Year to Date Return, Date rr_BarChartYearToDateReturnDate Jun. 30, 2019
Bar Chart, Year to Date Return rr_BarChartYearToDateReturn 14.20%
Highest Quarterly Return, Label rr_HighestQuarterlyReturnLabel Best quarter:
Highest Quarterly Return, Date rr_BarChartHighestQuarterlyReturnDate Sep. 30, 2010
Highest Quarterly Return rr_BarChartHighestQuarterlyReturn 11.89%
Lowest Quarterly Return, Label rr_LowestQuarterlyReturnLabel Worst quarter:
Lowest Quarterly Return, Date rr_BarChartLowestQuarterlyReturnDate Sep. 30, 2011
Lowest Quarterly Return rr_BarChartLowestQuarterlyReturn (14.45%)
Index No Deduction for Fees, Expenses, Taxes [Text] rr_IndexNoDeductionForFeesExpensesTaxes (reflects no deductions for fees, expenses or taxes)
Performance Table Uses Highest Federal Rate rr_PerformanceTableUsesHighestFederalRate After-tax returns are calculated using the historical highest individual federal marginal income tax rates in effect during the periods shown and do not reflect the impact of state and local taxes.
Performance Table Not Relevant to Tax Deferred rr_PerformanceTableNotRelevantToTaxDeferred The after-tax returns shown are not relevant to investors who hold their Fund shares through tax-deferred arrangements such as 401(a), 401(k) or 403(b) plans or Individual Retirement Accounts (IRAs).
Performance Table One Class of after Tax Shown [Text] rr_PerformanceTableOneClassOfAfterTaxShown After-tax performance is shown only for the Retirement Class shares, and after-tax returns for the other classes of shares will vary from the after-tax returns presented for Retirement Class shares.
Performance Table Closing [Text Block] rr_PerformanceTableClosingTextBlock

Current performance of the Fund’s shares may be higher or lower than that shown above.


After-tax returns are calculated using the historical highest individual federal marginal income tax rates in effect during the periods shown and do not reflect the impact of state and local taxes. Actual after-tax returns depend on the investor’s tax situation and may differ from those shown. The after-tax returns shown are not relevant to investors who hold their Fund shares through tax-deferred arrangements such as 401(a), 401(k) or 403(b) plans or Individual Retirement Accounts (IRAs). After-tax returns are shown for only one class, and after-tax returns for other classes will vary.

Average Annual Return, Caption rr_AverageAnnualReturnCaption AVERAGE ANNUAL TOTAL RETURNS For the Periods Ended December 31, 2018
TIAA-CREF Lifecycle Index 2035 Fund | S&P Target Date 2035 Index  
Risk/Return: rr_RiskReturnAbstract  
1 Year rr_AverageAnnualReturnYear01 (6.88%)
5 Years rr_AverageAnnualReturnYear05 4.69%
Since Inception rr_AverageAnnualReturnSinceInception 8.06% [1]
TIAA-CREF Lifecycle Index 2035 Fund | Lifecycle Index 2035 Fund Composite Index (reflects no deductions for fees, expenses or taxes)  
Risk/Return: rr_RiskReturnAbstract  
1 Year rr_AverageAnnualReturnYear01 (5.83%) [2]
5 Years rr_AverageAnnualReturnYear05 5.28% [2]
Since Inception rr_AverageAnnualReturnSinceInception 8.76% [1],[2]
TIAA-CREF Lifecycle Index 2035 Fund | Institutional Class  
Risk/Return: rr_RiskReturnAbstract  
Maximum sales charge imposed on purchases (percentage of offering price) rr_MaximumSalesChargeImposedOnPurchasesOverOfferingPrice none
Maximum deferred sales charge rr_MaximumDeferredSalesChargeOverOfferingPrice none
Maximum sales charge imposed on reinvested dividends and other distributions rr_MaximumSalesChargeOnReinvestedDividendsAndDistributionsOverOther none
Redemption or exchange fee rr_RedemptionFeeOverRedemption none
Maximum account fee rr_MaximumAccountFeeOverAssets none
Management fees rr_ManagementFeesOverAssets 0.16% [3],[4]
Other expenses rr_OtherExpensesOverAssets 0.03% [3],[4]
Total annual Fund operating expenses rr_ExpensesOverAssets 0.19%
Waivers and expense reimbursements rr_FeeWaiverOrReimbursementOverAssets (0.09%) [5],[6]
Total annual Fund operating expenses after fee waiver and/or expense reimbursement rr_NetExpensesOverAssets 0.10%
Expense Example, with Redemption, 1 Year rr_ExpenseExampleYear01 $ 10
Expense Example, with Redemption, 3 Years rr_ExpenseExampleYear03 52
Expense Example, with Redemption, 5 Years rr_ExpenseExampleYear05 98
Expense Example, with Redemption, 10 Years rr_ExpenseExampleYear10 $ 234
1 Year rr_AverageAnnualReturnYear01 (5.73%)
5 Years rr_AverageAnnualReturnYear05 5.22%
Since Inception rr_AverageAnnualReturnSinceInception 8.65%
Inception Date rr_AverageAnnualReturnInceptionDate Sep. 30, 2009
TIAA-CREF Lifecycle Index 2035 Fund | Advisor Class  
Risk/Return: rr_RiskReturnAbstract  
Maximum sales charge imposed on purchases (percentage of offering price) rr_MaximumSalesChargeImposedOnPurchasesOverOfferingPrice none
Maximum deferred sales charge rr_MaximumDeferredSalesChargeOverOfferingPrice none
Maximum sales charge imposed on reinvested dividends and other distributions rr_MaximumSalesChargeOnReinvestedDividendsAndDistributionsOverOther none
Redemption or exchange fee rr_RedemptionFeeOverRedemption none
Maximum account fee rr_MaximumAccountFeeOverAssets none
Management fees rr_ManagementFeesOverAssets 0.16% [3],[4]
Other expenses rr_OtherExpensesOverAssets 0.12% [3],[4]
Total annual Fund operating expenses rr_ExpensesOverAssets 0.28%
Waivers and expense reimbursements rr_FeeWaiverOrReimbursementOverAssets (0.09%) [5],[6]
Total annual Fund operating expenses after fee waiver and/or expense reimbursement rr_NetExpensesOverAssets 0.19%
Expense Example, with Redemption, 1 Year rr_ExpenseExampleYear01 $ 19
Expense Example, with Redemption, 3 Years rr_ExpenseExampleYear03 81
Expense Example, with Redemption, 5 Years rr_ExpenseExampleYear05 148
Expense Example, with Redemption, 10 Years rr_ExpenseExampleYear10 $ 347
1 Year rr_AverageAnnualReturnYear01 (5.77%)
5 Years rr_AverageAnnualReturnYear05 5.10% [7]
Since Inception rr_AverageAnnualReturnSinceInception 8.45% [7]
Inception Date rr_AverageAnnualReturnInceptionDate Dec. 04, 2015
TIAA-CREF Lifecycle Index 2035 Fund | Premier Class  
Risk/Return: rr_RiskReturnAbstract  
Maximum sales charge imposed on purchases (percentage of offering price) rr_MaximumSalesChargeImposedOnPurchasesOverOfferingPrice none
Maximum deferred sales charge rr_MaximumDeferredSalesChargeOverOfferingPrice none
Maximum sales charge imposed on reinvested dividends and other distributions rr_MaximumSalesChargeOnReinvestedDividendsAndDistributionsOverOther none
Redemption or exchange fee rr_RedemptionFeeOverRedemption none
Maximum account fee rr_MaximumAccountFeeOverAssets none
Management fees rr_ManagementFeesOverAssets 0.16% [3],[4]
Distribution (Rule 12b-1) fees rr_DistributionAndService12b1FeesOverAssets 0.15%
Other expenses rr_OtherExpensesOverAssets 0.03% [3],[4]
Total annual Fund operating expenses rr_ExpensesOverAssets 0.34%
Waivers and expense reimbursements rr_FeeWaiverOrReimbursementOverAssets (0.09%) [5],[6]
Total annual Fund operating expenses after fee waiver and/or expense reimbursement rr_NetExpensesOverAssets 0.25%
Expense Example, with Redemption, 1 Year rr_ExpenseExampleYear01 $ 26
Expense Example, with Redemption, 3 Years rr_ExpenseExampleYear03 100
Expense Example, with Redemption, 5 Years rr_ExpenseExampleYear05 182
Expense Example, with Redemption, 10 Years rr_ExpenseExampleYear10 $ 422
1 Year rr_AverageAnnualReturnYear01 (5.90%)
5 Years rr_AverageAnnualReturnYear05 5.06%
Since Inception rr_AverageAnnualReturnSinceInception 8.48%
Inception Date rr_AverageAnnualReturnInceptionDate Sep. 30, 2009
TIAA-CREF Lifecycle Index 2035 Fund | Retirement Class  
Risk/Return: rr_RiskReturnAbstract  
Maximum sales charge imposed on purchases (percentage of offering price) rr_MaximumSalesChargeImposedOnPurchasesOverOfferingPrice none
Maximum deferred sales charge rr_MaximumDeferredSalesChargeOverOfferingPrice none
Maximum sales charge imposed on reinvested dividends and other distributions rr_MaximumSalesChargeOnReinvestedDividendsAndDistributionsOverOther none
Redemption or exchange fee rr_RedemptionFeeOverRedemption none
Maximum account fee rr_MaximumAccountFeeOverAssets none
Management fees rr_ManagementFeesOverAssets 0.16% [3],[4]
Other expenses rr_OtherExpensesOverAssets 0.28% [3],[4]
Total annual Fund operating expenses rr_ExpensesOverAssets 0.44%
Waivers and expense reimbursements rr_FeeWaiverOrReimbursementOverAssets (0.09%) [5],[6]
Total annual Fund operating expenses after fee waiver and/or expense reimbursement rr_NetExpensesOverAssets 0.35%
Expense Example, with Redemption, 1 Year rr_ExpenseExampleYear01 $ 36
Expense Example, with Redemption, 3 Years rr_ExpenseExampleYear03 132
Expense Example, with Redemption, 5 Years rr_ExpenseExampleYear05 237
Expense Example, with Redemption, 10 Years rr_ExpenseExampleYear10 $ 546
Annual Return 2010 rr_AnnualReturn2010 13.41%
Annual Return 2011 rr_AnnualReturn2011 (1.49%)
Annual Return 2012 rr_AnnualReturn2012 15.06%
Annual Return 2013 rr_AnnualReturn2013 23.22%
Annual Return 2014 rr_AnnualReturn2014 6.51%
Annual Return 2015 rr_AnnualReturn2015 (0.73%)
Annual Return 2016 rr_AnnualReturn2016 8.14%
Annual Return 2017 rr_AnnualReturn2017 18.43%
Annual Return 2018 rr_AnnualReturn2018 (5.92%)
1 Year rr_AverageAnnualReturnYear01 (5.92%)
5 Years rr_AverageAnnualReturnYear05 4.96%
Since Inception rr_AverageAnnualReturnSinceInception 8.38%
Inception Date rr_AverageAnnualReturnInceptionDate Sep. 30, 2009
TIAA-CREF Lifecycle Index 2035 Fund | Retirement Class | After Taxes on Distributions  
Risk/Return: rr_RiskReturnAbstract  
1 Year rr_AverageAnnualReturnYear01 (6.54%)
5 Years rr_AverageAnnualReturnYear05 4.33%
Since Inception rr_AverageAnnualReturnSinceInception 7.84%
TIAA-CREF Lifecycle Index 2035 Fund | Retirement Class | After Taxes on Distributions and Sale of Fund Shares  
Risk/Return: rr_RiskReturnAbstract  
1 Year rr_AverageAnnualReturnYear01 (3.20%)
5 Years rr_AverageAnnualReturnYear05 3.74%
Since Inception rr_AverageAnnualReturnSinceInception 6.71%
[1] Performance is calculated from the inception date of the Retirement Class.
[2] As of the close of business on December 31, 2018, the Lifecycle Index 2035 Fund Composite Index consisted of: 53.5% Russell 3000® Index; 23.6% Bloomberg Barclays U.S. Aggregate Bond Index; and 22.9% MSCI EAFE + Emerging Markets Index. The Fund's composite benchmark, the components that make up a composite benchmark and the method of calculating a composite benchmark's performance may vary over time.
[3] Portions of the Management fees and Other expenses are based on expenses originally incurred by Class W shares of the Underlying Funds (as defined below) of the Trust, which have been incurred directly by the Fund pursuant to certain contractual arrangements intended to reallocate directly to the Fund certain fees and expenses that had been paid by the Underlying Funds of the Trust. For additional information, please see the "Management of the Funds" section of this Prospectus.
[4] Restated to reflect estimates for the current fiscal year.
[5] Advisors has contractually agreed to waive 0.069% of the Fund's Management fee. This waiver will remain in effect through September 30, 2020, unless changed with the approval of the Board of Trustees.
[6] Under the Fund's expense reimbursement arrangements, the Fund's investment adviser, Teachers Advisors, LLC ("Advisors"), has contractually agreed to reimburse the Fund for any Total annual Fund operating expenses (excluding interest, taxes, brokerage commissions or other transactional expenses, Acquired Fund fees and expenses, extraordinary expenses and any expenses originally attributable to Class W shares of the Underlying Funds of the Trust that were incurred directly by the Fund) that exceed: (i) 0.031% of average daily net assets for Institutional Class shares; (ii) 0.181% of average daily net assets for Advisor Class shares; (iii) 0.181% of average daily net assets for Premier Class shares; and (iv) 0.281% of average daily net assets for Retirement Class shares of the Fund. These expense reimbursement arrangements will continue through at least September 30, 2020, unless changed with approval of the Board of Trustees.
[7] The performance shown for the Advisor Class that is prior to its inception date is based on performance of the Fund's Retirement Class. The performance for these periods has not been restated to reflect the lower expenses of the Advisor Class.
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TIAA-CREF Lifecycle 2035 Fund
TIAA-CREF Lifecycle 2035 Fund
Investment objective

The Lifecycle 2035 Fund seeks high total return over time through a combination of capital appreciation and income.

Fees and expenses

This table describes the fees and expenses that you may pay if you buy and hold shares of the Fund. In addition to the fees and expenses described below, investors may be required to pay a commission to a broker-dealer or other financial intermediary on purchases and sales of Institutional Class or Advisor Class shares of the Fund.

SHAREHOLDER FEES (fees paid directly from your investment)
Shareholder Fees - TIAA-CREF Lifecycle 2035 Fund
Institutional Class
Advisor Class
Premier Class
Retirement Class
Maximum sales charge imposed on purchases (percentage of offering price) none none none none
Maximum deferred sales charge none none none none
Maximum sales charge imposed on reinvested dividends and other distributions none none none none
Redemption or exchange fee none none none none
Maximum account fee none none none none
ANNUAL FUND OPERATING EXPENSES (expenses that you pay each year as a percentage of the value of your investment)
Annual Fund Operating Expenses - TIAA-CREF Lifecycle 2035 Fund
Institutional Class
Advisor Class
Premier Class
Retirement Class
Management fees [1],[2] 0.48% 0.48% 0.48% 0.48%
Distribution (Rule 12b-1) fees     0.15%  
Other expenses [1],[2] 0.03% 0.11% 0.03% 0.28%
Acquired Fund fees and expenses [3] 0.03% 0.03% 0.03% 0.03%
Total annual Fund operating expenses 0.54% 0.62% 0.69% 0.79%
Waivers and expense reimbursements [4],[5] (0.11%) (0.11%) (0.11%) (0.11%)
Total annual Fund operating expenses after fee waiver and/or expense reimbursement 0.43% 0.51% 0.58% 0.68%
[1] Portions of the Management fees and Other expenses are based on expenses originally incurred by Class W shares of the Underlying Funds (as defined below) of the Trust, which have been incurred directly by the Fund pursuant to certain contractual arrangements intended to reallocate directly to the Fund certain fees and expenses that had been paid by the Underlying Funds of the Trust. For additional information, please see the "Management of the Funds" section of this Prospectus.
[2] Restated to reflect estimates for the current fiscal year.
[3] "Acquired Fund fees and expenses" are the Fund's proportionate amount of the expenses of any investment companies or pools in which it invests (excluding expenses originally incurred by Class W of the Underlying Funds of the Trust that have been incurred directly by the Fund, which are instead reflected in Management fees and Other expenses). These expenses are not paid directly by Fund shareholders. Instead, Fund shareholders bear these expenses indirectly because they reduce Fund performance. Because "Acquired Fund fees and expenses" are included in the chart above, the Fund's operating expenses here will not correlate with the expenses included in the Financial highlights in this Prospectus and the Fund's annual report.
[4] Advisors has contractually agreed to waive 0.10% of the Fund's Management fee. This waiver will remain in effect through September 30, 2022, unless changed with the approval of the Board of Trustees.
[5] Under the Fund's expense reimbursement arrangements, the Fund's investment adviser, Teachers Advisors, LLC ("Advisors"), has contractually agreed to reimburse the Fund for any Total annual Fund operating expenses (excluding interest, taxes, brokerage commissions or other transactional expenses, Acquired Fund fees and expenses, extraordinary expenses and any expenses originally attributable to Class W shares of the Underlying Funds of the Trust that were incurred directly by the Fund) that exceed: (i) 0.00% of average daily net assets for Institutional Class shares; (ii) 0.15% of average daily net assets for Advisor Class shares; (iii) 0.15% of average daily net assets for Premier Class shares; and (iv) 0.25% of average daily net assets for Retirement Class shares of the Fund. These expense reimbursement arrangements will continue through at least September 30, 2020, unless changed with approval of the Board of Trustees.
Example

This example is intended to help you compare the cost of investing in shares of the Fund with the cost of investing in other mutual funds. The example assumes that you invest $10,000 in the Fund for the time periods indicated and then redeem all your shares at the end of those periods. The example also assumes that your investment has a 5% return each year and that the Fund’s operating expenses, before fee waivers and/or expense reimbursements, remain the same. The example assumes that the Fund’s fee waiver and/or expense reimbursement arrangements will each remain in place for the durations noted in the table above. Although your actual costs may be higher or lower, based on these assumptions your costs would be:

Expense Example - TIAA-CREF Lifecycle 2035 Fund - USD ($)
Institutional Class
Advisor Class
Premier Class
Retirement Class
1 year $ 44 $ 52 $ 59 $ 69
3 years 140 166 188 220
5 years 269 313 352 407
10 years $ 646 $ 743 $ 828 $ 947
Portfolio turnover

The Fund pays transaction costs, such as commissions, when it buys and sells securities (or “turns over” its portfolio). A higher portfolio turnover rate may indicate higher transaction costs and may result in higher taxes when Fund shares are held in a taxable account. These costs, which are not reflected in annual fund operating expenses or in the example, affect the Fund’s performance. During the fiscal year ended May 31, 2019, the Fund’s portfolio turnover rate was 17% of the average value of its portfolio.

Principal investment strategies

The Fund is a “fund of funds” that invests in Class W shares of other funds of the Trust and in other investment pools or investment products, potentially including other funds advised by the Fund’s investment adviser, Teachers Advisors, LLC (“Advisors”), or its affiliates (collectively, the “Underlying Funds”). In general, the Fund is designed for investors who have an approximate target retirement year in mind, and the Fund’s investments are adjusted from more aggressive to more conservative over time as the Fund’s target retirement year approaches and for approximately 30 years afterwards. The Fund invests in Underlying Funds according to an asset allocation strategy designed for investors retiring in, or planning to retire within a few years of, 2035 and who may begin taking systematic withdrawals upon retirement.


Advisors currently expects to allocate approximately 72.00% of the Fund’s assets to equity Underlying Funds, 23.00% of its assets to fixed-income Underlying Funds and 5.00% of its assets to direct real estate Underlying Funds. These allocations represent targets for equity, fixed-income and direct real estate asset classes. Target allocations will change over time and actual allocations may vary up to ten percentage points from the targets. The target allocations along the investment glidepath, illustrated in the chart below, gradually become more conservative, moving to target allocations of approximately 45.00% equity/50.00% fixed-income/5.00% direct real estate in the Fund’s target retirement year of 2035 and reaching the Fund’s final target allocation of approximately 20.00% equity/80.00% fixed-income/0.00% direct real estate in 2065. Within the equity, fixed-income and direct real estate asset classes, Advisors allocates the Fund’s investments to particular market sectors (U.S. equity, international equity, fixed-income, short-term fixed-income, inflation-protected assets and direct real estate) represented by various Underlying Funds. These market sector allocations may vary by up to 10% from the Fund’s target market sector allocations. The Fund’s current target market sector allocations for June 30, 2020, which will change over time, are approximately as follows: U.S. Equity: 50.40%; International Equity: 21.60%; Fixed-Income: 23.00%; Short-Term Fixed-Income: 0.00%; Inflation-Protected Assets: 0.00% and Direct Real Estate: 5.00%. The asset class and market sector names used herein are intended to reflect the primary type of investment of the Underlying Funds within each of these categories.


The Fund’s target market sector allocations to Underlying Funds may include the TIAA-CREF Growth & Income Fund, Large-Cap Growth Fund, Large-Cap Value Fund, Quant Large-Cap Growth Fund, Quant Large-Cap Value Fund, Quant Small-Cap Equity Fund and Quant Small/Mid-Cap Equity Fund (U.S. Equity); Emerging Markets Equity Fund, International Equity Fund, International Opportunities Fund, Quant International Equity Fund and Quant International Small-Cap Equity Fund (International Equity); Bond Fund, Bond Plus Fund, Emerging Markets Debt Fund, High-Yield Fund and International Bond Fund (Fixed-Income); Money Market Fund and Short-Term Bond Fund (Short-Term Fixed-Income); Inflation-Linked Bond Fund (Inflation-Protected Assets); and Real Property Fund LP (Direct Real Estate). TIAA-CREF Real Property Fund LP is a private fund, which is not available for investment by the general public; it is currently offered exclusively to investment pools or investment products managed by Advisors or its affiliates.


Additional or replacement Underlying Funds for each market sector, as well as additional or replacement market sectors, may be included when making future allocations if Advisors believes that such Underlying Funds and/or market sectors are appropriate in light of the Fund’s desired levels of risk and potential return at the particular time. The Fund’s portfolio management team may also add a new market sector if it believes that will help to achieve the Fund’s investment objective. The relative allocations among Underlying Funds within a market sector may be changed at any time without notice to shareholders, and the portfolio management team may use tactical allocation to take advantage of short to intermediate term opportunities through a combination of positions in Underlying Funds. If 10% or more of the Fund’s assets are expected to be invested in any Underlying Fund or market sector not listed above, shareholders will receive prior notice of such change.


The Fund’s asset class allocations, market sector allocations within each asset class, and Underlying Fund allocations within each market sector, as of June 30, 2019, are listed in the chart below. These allocations will change over time. Underlying Fund allocations in particular may change from year to year.


        

Asset Class

Allocation

  

Market Sector

Allocation

 

Underlying Funds

Allocation

Equity

74.44%

 

U.S. Equity

52.20%

 

Ÿ Growth & Income Fund

10.93%

      

Ÿ Large-Cap Growth Fund

9.89%

      

Ÿ Large-Cap Value Fund

9.58%

      

Ÿ Quant Large-Cap Growth Fund

8.63%

      

Ÿ Quant Large-Cap Value Fund

8.39%

      

Ÿ Quant Small-Cap Equity Fund

2.68%

      

Ÿ Quant Small/Mid-Cap Equity Fund

2.10%

   

International Equity

22.24%

 

Ÿ Quant International Equity Fund

5.81%

      

Ÿ International Equity Fund

4.84%

      

Ÿ International Opportunities Fund

4.82%

      

Ÿ Emerging Markets Equity Fund

3.81%

      

Ÿ Quant International Small-Cap Equity Fund

2.96%

Fixed-Income

20.93%

 

Fixed-Income

20.93%

 

Ÿ Bond Fund

10.99%

      

Ÿ Bond Plus Fund

6.80%

      

Ÿ Emerging Markets Debt Fund

1.25%

      

Ÿ International Bond Fund

1.09%

      

Ÿ High-Yield Fund

0.80%

Real Estate

4.63%

 

Direct Real Estate

4.63%

 

Ÿ TIAA-CREF Real Property Fund LP

4.63%


        

Total

100.00%

  

100.00%

  

100.00%


The following chart shows how the investment glidepath for the Fund is expected to gradually move the Fund’s target allocations over time between the different target market sector allocations. The actual market sector allocations of the Fund may differ from this chart. The Fund seeks to achieve its final target market sector allocations approximately 30 years following the target date.


Lifecycle Funds Glidepath as of June 30, 2020
Years to Target Retirement Date US Equities International Equities Direct Real Estate Fixed Income Short Term Fixed Income Inflation Protected Bonds
45 66.50% 28.50% 5.00% 0.00% 0.00% 0.00%
40 65.62% 28.13% 5.00% 1.25% 0.00% 0.00%
35 64.75% 27.75% 5.00% 2.50% 0.00% 0.00%
30 63.87% 27.38% 5.00% 3.75% 0.00% 0.00%
25 63.00% 27.00% 5.00% 5.00% 0.00% 0.00%
20 56.70% 24.30% 5.00% 14.00% 0.00% 0.00%
15 50.40% 21.60% 5.00% 23.00% 0.00% 0.00%
10 44.10% 18.90% 5.00% 28.00% 2.00% 2.00%
5 37.80% 16.20% 5.00% 33.00% 4.00% 4.00%
0 31.50% 13.50% 5.00% 38.00% 6.00% 6.00%
-5 28.00% 12.00% 5.00% 39.00% 8.00% 8.00%
-10 24.50% 10.50% 5.00% 40.00% 10.00% 10.00%
-15 22.75% 9.75% 2.50% 40.00% 15.00% 10.00%
-20 21.00% 9.00% 0.00% 40.00% 20.00% 10.00%
-25 17.50% 7.50% 0.00% 40.00% 25.00% 10.00%
-30 14.00% 6.00% 0.00% 40.00% 30.00% 10.00%

The Fund is designed to accommodate investors who invest in a fund up to their target retirement date, and plan to make gradual systematic withdrawals in retirement. In addition, investors should note that the Fund will continue to have a significant level of equity exposure up to, through and after its target retirement date, and this exposure could cause significant fluctuations in the value of the Fund depending on the performance of the equity markets generally.


After the Fund reaches its final target allocation, the Board of Trustees may authorize the merger of the Fund into another Lifecycle Fund which has also reached its final target allocation or other similar fund designed to maintain a relatively stable asset allocation reflecting the resting point on the glidepath described in the chart above. Fund shareholders will receive prior notice of any such merger.

Principal investment risks

You could lose money over short or long periods by investing in this Fund. An investment in the Fund, due to the nature of the Fund’s portfolio holdings, typically is subject to the following principal investment risks:


· Asset Allocation Risk—The risk that the Fund may not achieve its target allocations. In addition, there is the risk that the asset allocations may not achieve the desired risk-return characteristic or that the selection of Underlying Funds and the allocations among them will result in the Fund underperforming other similar funds or cause an investor to lose money.


· Underlying Funds Risks—The Fund is exposed to the risks of the Underlying Funds in which it invests in direct proportion to the amount of assets the Fund allocates to each Underlying Fund.


· Equity Underlying Funds Risks—The risks of investing in equity Underlying Funds include risks specific to their investment strategies, as well as risks related to the equity markets in general, such as:


· market risk—The risk that the price of equity investments may decline in response to general market and economic conditions or events, including conditions and developments outside of the financial markets;


· issuer risk—The risk that an issuer’s earnings prospects and overall financial position will deteriorate, causing a decline in the value of the issuer’s financial instruments over short or extended periods of time; and


· foreign investment risk—The increased risks of adverse issuer, political, regulatory, currency, market or economic developments compared to investments in U.S. issuers, which can result in greater market and price volatility.


· Fixed-Income Underlying Funds Risks—The risks of investing in fixed-income Underlying Funds include risks specific to their investment strategies, as well as risks related to the fixed-income markets in general, such as:


· interest rate risk—The risk that the value or yield of fixed-income investments may decline if interest rates change, which could adversely affect a Fund’s income or the value of its holdings;


· extension risk—The risk that during periods of rising interest rates, borrowers may pay off their mortgage loans later than expected, preventing a Fund from reinvesting principal proceeds at higher interest rates and resulting in less income than potentially available;


· issuer risk—The risk that an issuer’s earnings prospects and overall financial position will deteriorate, causing a decline in the value of the issuer’s financial instruments over short or extended periods of time;


· credit risk—The risk that a decline in an issuer’s financial position may prevent it from making principal and interest payments on fixed-income investments held by a Fund when due;


· credit spread risk—The risk that credit spreads (i.e., the difference in yield between securities that is due to differences in each security’s respective credit quality) may increase when market participants believe that bonds generally have a greater risk of default, which could result in a decline in the market values of a Fund’s debt securities;


· income volatility risk—The risk that the level of current income from a Fund’s portfolio of fixed-income securities may decline due to rapid and unpredictable changes in prevailing market interest rates; and


· call risk—The risk that, during periods of falling interest rates, an issuer may call (or repay) a fixed-income security prior to maturity, resulting in a decline in a Fund’s income.


· Direct Real Estate Underlying Funds Risks—The risks of investing in direct real estate Underlying Funds include risks specific to their investment strategies, as well as risks related to investing in real estate in general, such as:


· real estate-related investment risk—The risks associated with exposure to direct real estate through investing in investment vehicles managed by Advisors that will primarily invest directly in real estate, which can include declines in real estate values or revenues, uninsured losses at properties, the absence of regulatory oversight of and a secondary market for interests in direct real estate Underlying Funds, a scarcity of interests issued by direct real estate Underlying Funds, making it difficult for the Fund to achieve its target allocation, and illiquidity of interests in direct real estate Underlying Funds.


· Active Management Risk—The risk that the strategy, investment selection or trading execution of Advisors could cause the Fund or an Underlying Fund to underperform its benchmark index or mutual funds with similar investment objectives.


· Fund of Funds Risk—The ability of the Fund to achieve its investment objective will depend in part upon the ability of the Underlying Funds to achieve their investment objectives. There can be no guarantee that any Underlying Fund will achieve its investment objective.


There can be no assurances that the Fund will achieve its investment objective. You should not consider the Fund to be a complete investment program. Please see the non-summary portion of the Prospectus for more detailed information about the risks described above, including the risks of the Underlying Funds.

Past performance

The following chart and table help illustrate some of the risks of investing in the Fund by showing changes in the Fund’s performance from year to year. The bar chart shows the annual total returns of the Retirement Class of the Fund, before taxes, in each full calendar year for the last ten years. Because the expenses vary across share classes, the performance of the Retirement Class may vary from the other share classes. Below the bar chart are the best and worst returns of the Retirement Class for a calendar quarter during the full calendar-year periods covered by the bar chart. The performance table following the bar chart shows the Fund’s average annual total returns for the Retirement, Institutional, Advisor and Premier classes over the applicable one-year, five-year, ten-year and since-inception periods ended December 31, 2018, and how those returns compare to those of a broad-based securities market index and a composite index that represents the market sectors in which the Fund invests across the equity and fixed-income asset classes. After-tax performance is shown only for the Retirement Class shares, and after-tax returns for the other classes of shares will vary from the after-tax returns presented for Retirement Class shares.


The returns shown below reflect previous agreements by Advisors to waive or reimburse the Fund and certain Underlying Funds for certain fees and expenses. Without these waivers and reimbursements, the returns of the Fund would have been lower. Past performance of the Fund (before and after taxes) is not necessarily an indication of how it will perform in the future. The indices listed below are unmanaged, and you cannot invest directly in an index. The returns for the indices reflect no deduction for fees, expenses or taxes.


For current performance information of each share class, including performance to the most recent month-end, please visit www.tiaa.org.

ANNUAL TOTAL RETURNS FOR THE RETIREMENT CLASS SHARES (%)† Lifecycle 2035 Fund
Bar Chart

 The year-to-date return as of the most recent calendar quarter, which ended on June 30, 2019, was 14.56%.

Best quarter: 17.55%, for the quarter ended June 30, 2009. Worst quarter: -16.14%, for the quarter ended September 30, 2011.

AVERAGE ANNUAL TOTAL RETURNS For the Periods Ended December 31, 2018
Average Annual Returns - TIAA-CREF Lifecycle 2035 Fund
1 Year
5 Years
10 Years
Inception Date
Retirement Class (8.22%) 4.42% 9.91% Oct. 15, 2004
Institutional Class (8.04%) 4.67% 10.17% Jan. 17, 2007
Advisor Class (7.98%) 4.56% [1] 9.98% [1] Dec. 04, 2015
Premier Class (8.12%) 4.53% 10.02% [1] Sep. 30, 2009
After Taxes on Distributions | Retirement Class (9.65%) 2.87% 8.68%  
After Taxes on Distributions and Sale of Fund Shares | Retirement Class (4.01%) 3.19% 7.93%  
S&P Target Date 2035 Index (6.88%) 4.69% 9.38%  
Lifecycle 2035 Fund Composite Index (reflects no deductions for fees, expenses or taxes) [2] (6.03%) 5.23% 10.17%  
[1] The performance shown for the Advisor and Premier classes that is prior to their inception dates is based on performance of the Fund's Retirement Class. The performance for these periods has not been restated to reflect the lower expenses of the Advisor and Premier classes.
[2] As of the close of business on December 31, 2018, the Lifecycle 2035 Fund Composite Index consisted of: 53.5% Russell 3000® Index; 23.6% Bloomberg Barclays U.S. Aggregate Bond Index; and 22.9% MSCI All Country World Index ex USA Investable Market Index. The Fund's composite benchmark, the components that make up a composite benchmark and the method of calculating a composite benchmark's performance may vary over time.

Current performance of the Fund’s shares may be higher or lower than that shown above.



 
After-tax returns are calculated using the historical highest individual federal marginal income tax rates in effect during the periods shown and do not reflect the impact of state and local taxes. Actual after-tax returns depend on the investor’s tax situation and may differ from those shown. The after-tax returns shown are not relevant to investors who hold their Fund shares through tax-deferred arrangements such as 401(a), 401(k) or 403(b) plans or Individual Retirement Accounts (IRAs). After-tax returns are shown for only one class, and after-tax returns for other classes will vary.

XML 14 R113.htm IDEA: XBRL DOCUMENT v3.19.3
Label Element Value
TIAA-CREF Lifecycle Index 2020 Fund  
Risk/Return: rr_RiskReturnAbstract  
Risk/Return [Heading] rr_RiskReturnHeading TIAA-CREF Lifecycle Index 2020 Fund
Objective [Heading] rr_ObjectiveHeading Investment objective
Objective, Primary [Text Block] rr_ObjectivePrimaryTextBlock

The Lifecycle Index 2020 Fund seeks high total return over time through a combination of capital appreciation and income.

Expense [Heading] rr_ExpenseHeading Fees and expenses
Expense Narrative [Text Block] rr_ExpenseNarrativeTextBlock

This table describes the fees and expenses that you may pay if you buy and hold shares of the Fund. In addition to the fees and expenses described below, investors may be required to pay a commission to a broker-dealer or other financial intermediary on purchases and sales of Institutional Class or Advisor Class shares of the Fund.

Shareholder Fees Caption [Text] rr_ShareholderFeesCaption SHAREHOLDER FEES (fees paid directly from your investment)
Operating Expenses Caption [Text] rr_OperatingExpensesCaption ANNUAL FUND OPERATING EXPENSES (expenses that you pay each year as a percentage of the value of your investment)
Portfolio Turnover [Heading] rr_PortfolioTurnoverHeading Portfolio turnover
Portfolio Turnover [Text Block] rr_PortfolioTurnoverTextBlock

The Fund pays transaction costs, such as commissions, when it buys and sells securities (or “turns over” its portfolio). A higher portfolio turnover rate may indicate higher transaction costs and may result in higher taxes when Fund shares are held in a taxable account. These costs, which are not reflected in annual fund operating expenses or in the example, affect the Fund’s performance. During the fiscal year ended May 31, 2019, the Fund’s portfolio turnover rate was 12% of the average value of its portfolio.

Portfolio Turnover, Rate rr_PortfolioTurnoverRate 12.00%
Expenses Restated to Reflect Current [Text] rr_ExpensesRestatedToReflectCurrent Restated to reflect estimates for the current fiscal year.
Expense Example [Heading] rr_ExpenseExampleHeading Example
Expense Example Narrative [Text Block] rr_ExpenseExampleNarrativeTextBlock

This example is intended to help you compare the cost of investing in shares of the Fund with the cost of investing in other mutual funds. The example assumes that you invest $10,000 in the Fund for the time periods indicated and then redeem all your shares at the end of those periods. The example also assumes that your investment has a 5% return each year and that the Fund’s operating expenses, before fee waivers and/or expense reimbursements, remain the same. The example assumes that the Fund’s fee waiver and/or expense reimbursement arrangements will each remain in place for the durations noted in the table above. Although your actual costs may be higher or lower, based on these assumptions your costs would be:

Strategy [Heading] rr_StrategyHeading Principal investment strategies
Strategy Narrative [Text Block] rr_StrategyNarrativeTextBlock

The Fund is a “fund of funds” that invests in Class W shares of other funds of the Trust and potentially in other investment pools or investment products, including other funds advised by the Fund’s investment adviser, Teachers Advisors, LLC (“Advisors”), or its affiliates (collectively, the “Underlying Funds”). In general, the Fund is designed for investors who have an approximate target retirement year in mind, and the Fund’s investments are adjusted from more aggressive to more conservative over time as the Fund’s target retirement year approaches and for approximately 30 years afterwards. The Fund invests in Underlying Funds according to an asset allocation strategy designed for investors retiring in, or planning to retire within a few years of, 2020 and who may begin taking systematic withdrawals upon retirement. The Fund has a policy of investing at least 80% of its assets (net assets, plus the amount of any borrowings for investment purposes) in Underlying Funds that are managed to seek investment returns that track particular market indices.


Advisors currently expects to allocate approximately 50.00% of the Fund’s assets to equity Underlying Funds and 50.00% of its assets to fixed-income Underlying Funds. These allocations represent targets for equity and fixed-income asset classes. Target allocations will change over time and actual allocations may vary up to ten percentage points from the targets. The target allocations along the investment glidepath, illustrated in the chart below, gradually become more conservative, moving to target allocations of approximately 50.00% equity/50.00% fixed-income in the Fund’s target retirement year of 2020 and reaching the Fund’s final target allocation of approximately 20.00% equity/80.00% fixed-income in 2050. Within the equity and fixed-income asset classes, Advisors allocates the Fund’s investments to particular market sectors (U.S. equity, international equity, fixed-income, short-term fixed-income and inflation-protected assets) represented by various Underlying Funds. These market sector allocations may vary by up to 10% from the Fund’s target market sector allocations. The Fund’s current target market sector allocations for June 30, 2020, which will change over time, are approximately as follows: U.S. Equity: 35.00%; International Equity: 15.00%; Fixed-Income: 38.00%; Short-Term Fixed-Income: 6.00%; and Inflation-Protected Assets: 6.00%. The asset class and market sector names used herein are intended to reflect the primary type of investment of the Underlying Funds within each of these categories.


The Fund’s target market sector allocations to Underlying Funds may include the TIAA-CREF Equity Index Fund (U.S. Equity); Emerging Markets Equity Index Fund and International Equity Index Fund (International Equity); Bond Index Fund (Fixed-Income); Short-Term Bond Index Fund (Short-Term Fixed-Income); and Inflation-Linked Bond Fund (Inflation-Protected Assets).


Additional or replacement Underlying Funds for each market sector, as well as additional or replacement market sectors, may be included when making future allocations if Advisors believes that such Underlying Funds and/or market sectors are appropriate in light of the Fund’s desired levels of risk and potential return at the particular time. The Fund’s portfolio management team may also add a new market sector if it believes that will help to achieve the Fund’s investment objective. The relative allocations among Underlying Funds within a market sector may be changed at any time without notice to shareholders. If 10% or more of the Fund’s assets are expected to be invested in any Underlying Fund or market sector not listed above, shareholders will receive prior notice of such change.


The Fund’s asset class allocations, market sector allocations within each asset class, and Underlying Fund allocations within each market sector, as of June 30, 2019, are listed in the chart below. These allocations will change over time. Underlying Fund allocations in particular may change from year to year.


        

Asset Class

Allocation

  

Market Sector

Allocation

 

Underlying Funds

Allocation

Equity

52.40%

 

U.S. Equity

36.75%

 

Ÿ Equity Index Fund

36.75%

   

International Equity

15.65%

 

Ÿ International Equity Index Fund

11.22%

      

Ÿ Emerging Markets Equity Index Fund

4.43%

Fixed-Income

47.60%

 

Fixed-Income

36.62%

 

Ÿ Bond Index Fund

36.62%

   

Short-Term
Fixed-Income

5.48%

 

Ÿ Short-Term Bond Index Fund

5.48%

   

Inflation-
Protected Assets

5.50%

 

Ÿ Inflation-Linked Bond Fund

5.50%


        

Total

100.00%

  

100.00%

  

100.00%


The following chart shows how the investment glidepath for the Fund is expected to gradually move the Fund’s target allocations over time between the different target market sector allocations. The actual market sector allocations of the Fund may differ from this chart. The Fund seeks to achieve its final target market sector allocations approximately 30 years following the target date.


Lifecycle Index Funds Glidepath as of June 30, 2020
Years to Target Retirement Date US Equities International Equities Fixed Income Short Term Fixed Income Inflation Protected Bonds
45 66.50% 28.50% 5.00% 0.00% 0.00%
40 65.62% 28.13% 6.25% 0.00% 0.00%
35 64.75% 27.75% 7.50% 0.00% 0.00%
30 63.87% 27.38% 8.75% 0.00% 0.00%
25 63.00% 27.00% 10.00% 0.00% 0.00%
20 57.40% 24.60% 18.00% 0.00% 0.00%
15 51.80% 22.20% 26.00% 0.00% 0.00%
10 46.20% 19.80% 30.00% 2.00% 2.00%
5 40.60% 17.40% 34.00% 4.00% 4.00%
0 35.00% 15.00% 38.00% 6.00% 6.00%
-5 31.50% 13.50% 39.00% 8.00% 8.00%
-10 28.00% 12.00% 40.00% 10.00% 10.00%
-15 24.50% 10.50% 40.00% 15.00% 10.00%
-20 21.00% 9.00% 40.00% 20.00% 10.00%
-25 17.50% 7.50% 40.00% 25.00% 10.00%
-30 14.00% 6.00% 40.00% 30.00% 10.00%

The Fund is designed to accommodate investors who invest in a fund up to their target retirement date, and plan to make gradual systematic withdrawals in retirement. In addition, investors should note that the Fund will continue to have a significant level of equity exposure up to, through and after its target retirement date, and this exposure could cause significant fluctuations in the value of the Fund depending on the performance of the equity markets generally.


After the Fund reaches its final target allocation, the Board of Trustees may authorize the merger of the Fund into another Lifecycle Index Fund which has also reached its final target allocation or other similar fund designed to maintain a relatively stable asset allocation reflecting the resting point on the glidepath described in the chart above. Fund shareholders will receive prior notice of any such merger.

Risk [Heading] rr_RiskHeading Principal investment risks
Risk Narrative [Text Block] rr_RiskNarrativeTextBlock

You could lose money over short or long periods by investing in this Fund. An investment in the Fund, due to the nature of the Fund’s portfolio holdings, typically is subject to the following principal investment risks:


· Asset Allocation Risk—The risk that the Fund may not achieve its target allocations. In addition, there is the risk that the asset allocations may not achieve the desired risk-return characteristic or that the selection of Underlying Funds and the allocations among them will result in the Fund underperforming other similar funds or cause an investor to lose money.


· Index Risk—The risk that the Fund’s performance may not correspond to its benchmark index for any period of time and may underperform such index or the overall financial market. Additionally, to the extent that the Fund’s investments vary from the composition of its benchmark index, the Fund’s performance could potentially vary from the index’s performance to a greater extent than if the Fund merely attempted to replicate the index.


· Underlying Funds Risks—The Fund is exposed to the risks of the Underlying Funds in which it invests in direct proportion to the amount of assets the Fund allocates to each Underlying Fund.


· Equity Underlying Funds Risks—The risks of investing in equity Underlying Funds include risks specific to their investment strategies, as well as risks related to the equity markets in general, such as:


· market risk—The risk that the price of equity investments may decline in response to general market and economic conditions or events, including conditions and developments outside of the financial markets;


· issuer risk—The risk that an issuer’s earnings prospects and overall financial position will deteriorate, causing a decline in the value of the issuer’s financial instruments over short or extended periods of time; and


· foreign investment risk—The increased risks of adverse issuer, political, regulatory, currency, market or economic developments compared to investments in U.S. issuers, which can result in greater market and price volatility.


· Fixed-Income Underlying Funds Risks—The risks of investing in fixed-income Underlying Funds include risks specific to their investment strategies, as well as risks related to the fixed-income markets in general, such as:


· interest rate risk—The risk that the value or yield of fixed-income investments may decline if interest rates change, which could adversely affect a Fund’s income or the value of its holdings;


· extension risk—The risk that during periods of rising interest rates, borrowers may pay off their mortgage loans later than expected, preventing a Fund from reinvesting principal proceeds at higher interest rates and resulting in less income than potentially available;


· issuer risk—The risk that an issuer’s earnings prospects and overall financial position will deteriorate, causing a decline in the value of the issuer’s financial instruments over short or extended periods of time;


· credit risk—The risk that a decline in an issuer’s financial position may prevent it from making principal and interest payments on fixed-income investments held by a Fund when due;


· credit spread risk—The risk that credit spreads (i.e., the difference in yield between securities that is due to differences in each security’s respective credit quality) may increase when market participants believe that bonds generally have a greater risk of default, which could result in a decline in the market values of a Fund’s debt securities;


· income volatility risk—The risk that the level of current income from a Fund’s portfolio of fixed-income securities may decline due to rapid and unpredictable changes in prevailing market interest rates; and


· call risk—The risk that, during periods of falling interest rates, an issuer may call (or repay) a fixed-income security prior to maturity, resulting in a decline in a Fund’s income.


· Active Management Risk—The risk that the strategy, investment selection or trading execution of Advisors could cause the Fund or an Underlying Fund to underperform its benchmark index or mutual funds with similar investment objectives.


· Fund of Funds Risk—The ability of the Fund to achieve its investment objective will depend in part upon the ability of the Underlying Funds to achieve their investment objectives. There can be no guarantee that any Underlying Fund will achieve its investment objective.


There can be no assurances that the Fund will achieve its investment objective. You should not consider the Fund to be a complete investment program. Please see the non-summary portion of the Prospectus for more detailed information about the risks described above, including the risks of the Underlying Funds.

Risk Lose Money [Text] rr_RiskLoseMoney You could lose money over short or long periods by investing in this Fund.
Bar Chart and Performance Table [Heading] rr_BarChartAndPerformanceTableHeading Past performance
Performance Narrative [Text Block] rr_PerformanceNarrativeTextBlock

The following chart and table help illustrate some of the risks of investing in the Fund by showing changes in the Fund’s performance from year to year. The bar chart shows the annual total returns of the Retirement Class of the Fund, before taxes, in each full calendar year since inception of the Retirement Class. Because the expenses vary across share classes, the performance of the Retirement Class may vary from the other share classes. Below the bar chart are the best and worst returns of the Retirement Class for a calendar quarter during the full calendar-year periods covered by the bar chart. The performance table following the bar chart shows the Fund’s average annual total returns for the Retirement, Institutional, Advisor and Premier classes over the applicable one-year, five-year, ten-year and since-inception periods ended December 31, 2018, and how those returns compare to those of a broad-based securities market index and a composite index based on the Fund’s target allocations. After-tax performance is shown only for the Retirement Class shares, and after-tax returns for the other classes of shares will vary from the after-tax returns presented for Retirement Class shares.


The returns shown below reflect previous agreements by Advisors to waive or reimburse the Fund and certain Underlying Funds for certain fees and expenses. Without these waivers and reimbursements, the returns of the Fund would have been lower. Past performance of the Fund (before and after taxes) is not necessarily an indication of how it will perform in the future. The indices listed below are unmanaged, and you cannot invest directly in an index. The returns for the indices reflect no deduction for fees, expenses or taxes.


For current performance information of each share class, including performance to the most recent month-end, please visit www.tiaa.org.

Performance Information Illustrates Variability of Returns [Text] rr_PerformanceInformationIllustratesVariabilityOfReturns The following chart and table help illustrate some of the risks of investing in the Fund by showing changes in the Fund’s performance from year to year.
Performance Additional Market Index [Text] rr_PerformanceAdditionalMarketIndex As of the close of business on December 31, 2018, the Lifecycle Index 2020 Fund Composite Index consisted of: 36.8% Bloomberg Barclays U.S. Aggregate Bond Index; 36.7% Russell 3000® Index; 15.7% MSCI EAFE + Emerging Markets Index; 5.4% Bloomberg Barclays U.S. 1-3 Year Government/Credit Bond Index; and 5.4% Bloomberg Barclays U.S. Treasury Inflation Protected Securities (TIPS) 1-10 Year Index. The Fund’s composite benchmark, the components that make up a composite benchmark and the method of calculating a composite benchmark’s performance may vary over time.
Performance Availability Website Address [Text] rr_PerformanceAvailabilityWebSiteAddress www.tiaa.org
Performance Past Does Not Indicate Future [Text] rr_PerformancePastDoesNotIndicateFuture Past performance of the Fund (before and after taxes) is not necessarily an indication of how it will perform in the future.
Bar Chart [Heading] rr_BarChartHeading ANNUAL TOTAL RETURNS FOR THE RETIREMENT CLASS SHARES (%)† Lifecycle Index 2020 Fund
Bar Chart Footnotes [Text Block] rr_BarChartFootnotesTextBlock

 The year-to-date return as of the most recent calendar quarter, which ended on June 30, 2019, was 11.35%.

Bar Chart Closing [Text Block] rr_BarChartClosingTextBlock

Best quarter: 9.39%, for the quarter ended September 30, 2010. Worst quarter: -9.69%, for the quarter ended September 30, 2011.

Year to Date Return, Label rr_YearToDateReturnLabel The year-to-date return as of the most recent calendar quarter, which ended on June 30, 2019, was
Bar Chart, Year to Date Return, Date rr_BarChartYearToDateReturnDate Jun. 30, 2019
Bar Chart, Year to Date Return rr_BarChartYearToDateReturn 11.35%
Highest Quarterly Return, Label rr_HighestQuarterlyReturnLabel Best quarter:
Highest Quarterly Return, Date rr_BarChartHighestQuarterlyReturnDate Sep. 30, 2010
Highest Quarterly Return rr_BarChartHighestQuarterlyReturn 9.39%
Lowest Quarterly Return, Label rr_LowestQuarterlyReturnLabel Worst quarter:
Lowest Quarterly Return, Date rr_BarChartLowestQuarterlyReturnDate Sep. 30, 2011
Lowest Quarterly Return rr_BarChartLowestQuarterlyReturn (9.69%)
Index No Deduction for Fees, Expenses, Taxes [Text] rr_IndexNoDeductionForFeesExpensesTaxes (reflects no deductions for fees, expenses or taxes)
Performance Table Uses Highest Federal Rate rr_PerformanceTableUsesHighestFederalRate After-tax returns are calculated using the historical highest individual federal marginal income tax rates in effect during the periods shown and do not reflect the impact of state and local taxes.
Performance Table Not Relevant to Tax Deferred rr_PerformanceTableNotRelevantToTaxDeferred The after-tax returns shown are not relevant to investors who hold their Fund shares through tax-deferred arrangements such as 401(a), 401(k) or 403(b) plans or Individual Retirement Accounts (IRAs).
Performance Table One Class of after Tax Shown [Text] rr_PerformanceTableOneClassOfAfterTaxShown After-tax performance is shown only for the Retirement Class shares, and after-tax returns for the other classes of shares will vary from the after-tax returns presented for Retirement Class shares.
Performance Table Closing [Text Block] rr_PerformanceTableClosingTextBlock

Current performance of the Fund’s shares may be higher or lower than that shown above.


After-tax returns are calculated using the historical highest individual federal marginal income tax rates in effect during the periods shown and do not reflect the impact of state and local taxes. Actual after-tax returns depend on the investor’s tax situation and may differ from those shown. The after-tax returns shown are not relevant to investors who hold their Fund shares through tax-deferred arrangements such as 401(a), 401(k) or 403(b) plans or Individual Retirement Accounts (IRAs). After-tax returns are shown for only one class, and after-tax returns for other classes will vary.

Average Annual Return, Caption rr_AverageAnnualReturnCaption AVERAGE ANNUAL TOTAL RETURNS For the Periods Ended December 31, 2018
TIAA-CREF Lifecycle Index 2020 Fund | S&P Target Date 2020 Index  
Risk/Return: rr_RiskReturnAbstract  
1 Year rr_AverageAnnualReturnYear01 (4.16%)
5 Years rr_AverageAnnualReturnYear05 4.10%
Since Inception rr_AverageAnnualReturnSinceInception 6.82% [1]
TIAA-CREF Lifecycle Index 2020 Fund | Lifecycle Index 2020 Fund Composite Index (reflects no deductions for fees, expenses or taxes)  
Risk/Return: rr_RiskReturnAbstract  
1 Year rr_AverageAnnualReturnYear01 (3.83%) [2]
5 Years rr_AverageAnnualReturnYear05 4.48% [2]
Since Inception rr_AverageAnnualReturnSinceInception 7.25% [1],[2]
TIAA-CREF Lifecycle Index 2020 Fund | Institutional Class  
Risk/Return: rr_RiskReturnAbstract  
Maximum sales charge imposed on purchases (percentage of offering price) rr_MaximumSalesChargeImposedOnPurchasesOverOfferingPrice none
Maximum deferred sales charge rr_MaximumDeferredSalesChargeOverOfferingPrice none
Maximum sales charge imposed on reinvested dividends and other distributions rr_MaximumSalesChargeOnReinvestedDividendsAndDistributionsOverOther none
Redemption or exchange fee rr_RedemptionFeeOverRedemption none
Maximum account fee rr_MaximumAccountFeeOverAssets none
Management fees rr_ManagementFeesOverAssets 0.18% [3],[4]
Other expenses rr_OtherExpensesOverAssets 0.03% [3],[4]
Total annual Fund operating expenses rr_ExpensesOverAssets 0.21%
Waivers and expense reimbursements rr_FeeWaiverOrReimbursementOverAssets (0.11%) [5],[6]
Total annual Fund operating expenses after fee waiver and/or expense reimbursement rr_NetExpensesOverAssets 0.10%
Expense Example, with Redemption, 1 Year rr_ExpenseExampleYear01 $ 10
Expense Example, with Redemption, 3 Years rr_ExpenseExampleYear03 56
Expense Example, with Redemption, 5 Years rr_ExpenseExampleYear05 107
Expense Example, with Redemption, 10 Years rr_ExpenseExampleYear10 $ 257
1 Year rr_AverageAnnualReturnYear01 (3.75%)
5 Years rr_AverageAnnualReturnYear05 4.41%
Since Inception rr_AverageAnnualReturnSinceInception 7.12%
Inception Date rr_AverageAnnualReturnInceptionDate Sep. 30, 2009
TIAA-CREF Lifecycle Index 2020 Fund | Advisor Class  
Risk/Return: rr_RiskReturnAbstract  
Maximum sales charge imposed on purchases (percentage of offering price) rr_MaximumSalesChargeImposedOnPurchasesOverOfferingPrice none
Maximum deferred sales charge rr_MaximumDeferredSalesChargeOverOfferingPrice none
Maximum sales charge imposed on reinvested dividends and other distributions rr_MaximumSalesChargeOnReinvestedDividendsAndDistributionsOverOther none
Redemption or exchange fee rr_RedemptionFeeOverRedemption none
Maximum account fee rr_MaximumAccountFeeOverAssets none
Management fees rr_ManagementFeesOverAssets 0.18% [3],[4]
Other expenses rr_OtherExpensesOverAssets 0.11% [3],[4]
Total annual Fund operating expenses rr_ExpensesOverAssets 0.29%
Waivers and expense reimbursements rr_FeeWaiverOrReimbursementOverAssets (0.11%) [5],[6]
Total annual Fund operating expenses after fee waiver and/or expense reimbursement rr_NetExpensesOverAssets 0.18%
Expense Example, with Redemption, 1 Year rr_ExpenseExampleYear01 $ 18
Expense Example, with Redemption, 3 Years rr_ExpenseExampleYear03 82
Expense Example, with Redemption, 5 Years rr_ExpenseExampleYear05 152
Expense Example, with Redemption, 10 Years rr_ExpenseExampleYear10 $ 357
1 Year rr_AverageAnnualReturnYear01 (3.86%)
5 Years rr_AverageAnnualReturnYear05 4.27% [7]
Since Inception rr_AverageAnnualReturnSinceInception 6.92% [7]
Inception Date rr_AverageAnnualReturnInceptionDate Dec. 04, 2015
TIAA-CREF Lifecycle Index 2020 Fund | Premier Class  
Risk/Return: rr_RiskReturnAbstract  
Maximum sales charge imposed on purchases (percentage of offering price) rr_MaximumSalesChargeImposedOnPurchasesOverOfferingPrice none
Maximum deferred sales charge rr_MaximumDeferredSalesChargeOverOfferingPrice none
Maximum sales charge imposed on reinvested dividends and other distributions rr_MaximumSalesChargeOnReinvestedDividendsAndDistributionsOverOther none
Redemption or exchange fee rr_RedemptionFeeOverRedemption none
Maximum account fee rr_MaximumAccountFeeOverAssets none
Management fees rr_ManagementFeesOverAssets 0.18% [3],[4]
Distribution (Rule 12b-1) fees rr_DistributionAndService12b1FeesOverAssets 0.15%
Other expenses rr_OtherExpensesOverAssets 0.03% [3],[4]
Total annual Fund operating expenses rr_ExpensesOverAssets 0.36%
Waivers and expense reimbursements rr_FeeWaiverOrReimbursementOverAssets (0.11%) [5],[6]
Total annual Fund operating expenses after fee waiver and/or expense reimbursement rr_NetExpensesOverAssets 0.25%
Expense Example, with Redemption, 1 Year rr_ExpenseExampleYear01 $ 26
Expense Example, with Redemption, 3 Years rr_ExpenseExampleYear03 105
Expense Example, with Redemption, 5 Years rr_ExpenseExampleYear05 191
Expense Example, with Redemption, 10 Years rr_ExpenseExampleYear10 $ 445
1 Year rr_AverageAnnualReturnYear01 (3.92%)
5 Years rr_AverageAnnualReturnYear05 4.25%
Since Inception rr_AverageAnnualReturnSinceInception 6.96%
Inception Date rr_AverageAnnualReturnInceptionDate Sep. 30, 2009
TIAA-CREF Lifecycle Index 2020 Fund | Retirement Class  
Risk/Return: rr_RiskReturnAbstract  
Maximum sales charge imposed on purchases (percentage of offering price) rr_MaximumSalesChargeImposedOnPurchasesOverOfferingPrice none
Maximum deferred sales charge rr_MaximumDeferredSalesChargeOverOfferingPrice none
Maximum sales charge imposed on reinvested dividends and other distributions rr_MaximumSalesChargeOnReinvestedDividendsAndDistributionsOverOther none
Redemption or exchange fee rr_RedemptionFeeOverRedemption none
Maximum account fee rr_MaximumAccountFeeOverAssets none
Management fees rr_ManagementFeesOverAssets 0.18% [3],[4]
Other expenses rr_OtherExpensesOverAssets 0.28% [3],[4]
Total annual Fund operating expenses rr_ExpensesOverAssets 0.46%
Waivers and expense reimbursements rr_FeeWaiverOrReimbursementOverAssets (0.11%) [5],[6]
Total annual Fund operating expenses after fee waiver and/or expense reimbursement rr_NetExpensesOverAssets 0.35%
Expense Example, with Redemption, 1 Year rr_ExpenseExampleYear01 $ 36
Expense Example, with Redemption, 3 Years rr_ExpenseExampleYear03 137
Expense Example, with Redemption, 5 Years rr_ExpenseExampleYear05 247
Expense Example, with Redemption, 10 Years rr_ExpenseExampleYear10 $ 569
Annual Return 2010 rr_AnnualReturn2010 11.69%
Annual Return 2011 rr_AnnualReturn2011 1.32%
Annual Return 2012 rr_AnnualReturn2012 11.96%
Annual Return 2013 rr_AnnualReturn2013 15.27%
Annual Return 2014 rr_AnnualReturn2014 6.27%
Annual Return 2015 rr_AnnualReturn2015 (0.42%)
Annual Return 2016 rr_AnnualReturn2016 6.41%
Annual Return 2017 rr_AnnualReturn2017 13.37%
Annual Return 2018 rr_AnnualReturn2018 (3.97%)
1 Year rr_AverageAnnualReturnYear01 (3.97%)
5 Years rr_AverageAnnualReturnYear05 4.16%
Since Inception rr_AverageAnnualReturnSinceInception 6.86%
Inception Date rr_AverageAnnualReturnInceptionDate Sep. 30, 2009
TIAA-CREF Lifecycle Index 2020 Fund | Retirement Class | After Taxes on Distributions  
Risk/Return: rr_RiskReturnAbstract  
1 Year rr_AverageAnnualReturnYear01 (4.74%)
5 Years rr_AverageAnnualReturnYear05 3.47%
Since Inception rr_AverageAnnualReturnSinceInception 6.26%
TIAA-CREF Lifecycle Index 2020 Fund | Retirement Class | After Taxes on Distributions and Sale of Fund Shares  
Risk/Return: rr_RiskReturnAbstract  
1 Year rr_AverageAnnualReturnYear01 (2.11%)
5 Years rr_AverageAnnualReturnYear05 3.03%
Since Inception rr_AverageAnnualReturnSinceInception 5.35%
[1] Performance is calculated from the inception date of the Retirement Class.
[2] As of the close of business on December 31, 2018, the Lifecycle Index 2020 Fund Composite Index consisted of: 36.8% Bloomberg Barclays U.S. Aggregate Bond Index; 36.7% Russell 3000® Index; 15.7% MSCI EAFE + Emerging Markets Index; 5.4% Bloomberg Barclays U.S. 1-3 Year Government/Credit Bond Index; and 5.4% Bloomberg Barclays U.S. Treasury Inflation Protected Securities (TIPS) 1-10 Year Index. The Fund's composite benchmark, the components that make up a composite benchmark and the method of calculating a composite benchmark's performance may vary over time.
[3] Portions of the Management fees and Other expenses are based on expenses originally incurred by Class W shares of the Underlying Funds (as defined below) of the Trust, which have been incurred directly by the Fund pursuant to certain contractual arrangements intended to reallocate directly to the Fund certain fees and expenses that had been paid by the Underlying Funds of the Trust. For additional information, please see the "Management of the Funds" section of this Prospectus.
[4] Restated to reflect estimates for the current fiscal year.
[5] Advisors has contractually agreed to waive 0.089% of the Fund's Management fee. This waiver will remain in effect through September 30, 2020, unless changed with the approval of the Board of Trustees.
[6] Under the Fund's expense reimbursement arrangements, the Fund's investment adviser, Teachers Advisors, LLC ("Advisors"), has contractually agreed to reimburse the Fund for any Total annual Fund operating expenses (excluding interest, taxes, brokerage commissions or other transactional expenses, Acquired Fund fees and expenses, extraordinary expenses and any expenses originally attributable to Class W shares of the Underlying Funds of the Trust that were incurred directly by the Fund) that exceed: (i) 0.011% of average daily net assets for Institutional Class shares; (ii) 0.161% of average daily net assets for Advisor Class shares; (iii) 0.161% of average daily net assets for Premier Class shares; and (iv) 0.261% of average daily net assets for Retirement Class shares of the Fund. These expense reimbursement arrangements will continue through at least September 30, 2020, unless changed with approval of the Board of Trustees.
[7] The performance shown for the Advisor Class that is prior to its inception date is based on performance of the Fund's Retirement Class. The performance for these periods has not been restated to reflect the lower expenses of the Advisor Class.
XML 15 R176.htm IDEA: XBRL DOCUMENT v3.19.3
Label Element Value
TIAA-CREF Lifestyle Income Fund  
Risk/Return: rr_RiskReturnAbstract  
Risk/Return [Heading] rr_RiskReturnHeading TIAA-CREF Lifestyle Income Fund
Objective [Heading] rr_ObjectiveHeading Investment objective
Objective, Primary [Text Block] rr_ObjectivePrimaryTextBlock

The Fund seeks current income with some capital appreciation.

Expense [Heading] rr_ExpenseHeading Fees and expenses
Expense Narrative [Text Block] rr_ExpenseNarrativeTextBlock

This table describes the fees and expenses that you may pay if you buy and hold shares of the Fund. In addition to the fees and expenses described below, investors may be required to pay a commission to a broker-dealer or other financial intermediary on purchases and sales of Institutional Class or Advisor Class shares of the Fund.

Shareholder Fees Caption [Text] rr_ShareholderFeesCaption SHAREHOLDER FEES (fees paid directly from your investment)
Operating Expenses Caption [Text] rr_OperatingExpensesCaption ANNUAL FUND OPERATING EXPENSES (expenses that you pay each year as a percentage of the value of your investment)
Portfolio Turnover [Heading] rr_PortfolioTurnoverHeading Portfolio turnover
Portfolio Turnover [Text Block] rr_PortfolioTurnoverTextBlock

The Fund pays transaction costs, such as commissions, when it buys and sells securities (or “turns over” its portfolio). A higher portfolio turnover rate may indicate higher transaction costs and may result in higher taxes when Fund shares are held in a taxable account. These costs, which are not reflected in annual fund operating expenses or in the example, affect the Fund’s performance. During the fiscal year ended May 31, 2019, the Fund’s portfolio turnover rate was 29% of the average value of its portfolio.

Portfolio Turnover, Rate rr_PortfolioTurnoverRate 29.00%
Expense Example [Heading] rr_ExpenseExampleHeading Example
Expense Example Narrative [Text Block] rr_ExpenseExampleNarrativeTextBlock

This example is intended to help you compare the cost of investing in shares of the Fund with the cost of investing in other mutual funds. The example assumes that you invest $10,000 in the Fund for the time periods indicated and then redeem all your shares at the end of those periods. The example also assumes that your investment has a 5% return each year and that the Fund’s operating expenses, before fee waivers and/or expense reimbursements, remain the same. The example assumes that the Fund’s fee waiver and/or expense reimbursement arrangements will each remain in place for the duration noted in the table above. Although your actual costs may be higher or lower, based on these assumptions your costs would be:

Strategy [Heading] rr_StrategyHeading Principal investment strategies
Strategy Narrative [Text Block] rr_StrategyNarrativeTextBlock

The Fund is a “fund of funds” that invests in Institutional Class shares of other funds of the Trust and potentially in other investment pools or investment products, including other funds advised by the Fund’s investment adviser, Teachers Advisors, LLC (“Advisors”), or its affiliates (collectively, the “Underlying Funds”). The Fund is designed for investors seeking current income with some capital appreciation through a relatively stable asset allocation strategy targeting an income-oriented and conservative risk-return profile. Advisors generally seeks to meet the Fund’s investment objective by investing: (1) approximately 20% of the Fund’s assets in equity Underlying Funds and (2) approximately 80% of the Fund’s assets in fixed-income Underlying Funds. The Fund may deviate from these target allocations by up to ten percentage points depending upon current market conditions and outlook.


The Underlying Funds’ allocation targets generally represent targets for investments in equity and fixed-income asset classes. Within the equity and fixed-income asset classes, Advisors allocates the Fund’s investments to particular market sectors (which may include U.S. equity, international equity, fixed-income and short-term fixed-income) represented by various Underlying Funds. To maintain an appropriate allocation among the Underlying Funds, the portfolio managers monitor the domestic and foreign equity markets, as well as overall financial and economic conditions. The Fund may sometimes be more heavily weighted toward equities or fixed-income than the target allocations, if the portfolio managers believe market conditions warrant. For example, the Fund may increase its holdings in fixed-income Underlying Funds in periods when the portfolio managers believe the equity markets will decline. The market sector allocations and Underlying Fund allocations may also be changed over time by the portfolio managers, including the addition and removal of market sectors and Underlying Funds in which the Fund invests in light of the Fund’s desired level of risk and potential return at a particular time as evaluated by the portfolio managers based on a mix of qualitative and quantitative factors. The portfolio managers may also opportunistically purchase other Funds or other investment pools or investment products, based on the portfolio managers’ evaluation of the market sectors and/or Underlying Funds without prior notice to shareholders. If 10% or more of the Fund’s assets are expected to be invested in any Underlying Fund, market sector or asset class not listed in the chart below, shareholders will receive prior notice of such change.


As a result of its investments in the Underlying Funds, the Fund’s returns will reflect investments in a mix of domestic and foreign equities of companies of various sizes and a variety of domestic and foreign fixed-income instruments of private and governmental issuers of varying maturities and credit qualities.


As part of the Fund’s ability to invest in unaffiliated investment products or pools noted above, the Fund may invest in exchange-traded funds (“ETFs”) and exchange-traded notes (“ETNs”) to gain exposure to various market sectors or securities in order to effect its asset allocation strategy. Additionally, the Fund may use ETFs and ETNs for cash management, hedging or defensive purposes. ETFs and ETNs will be subject to the risks associated with the types of securities or sectors that they track, while ETNs, which are structured as fixed-income obligations, will also be subject to the general risks of fixed-income securities, including credit risk.


The Fund’s asset class allocations, market sector allocations within each asset class, and Underlying Fund allocations within each market sector as of June 30, 2019, are listed in the chart below. These allocations may change over time. Underlying Fund allocations in particular may change from year to year.


        

Asset Class

Allocation

  

Market Sector

Allocation

 

Underlying Funds

Allocation

Equity

20.46%

 

U.S. Equity

15.33%

 

Ÿ Large-Cap Growth Fund

3.63%

      

Ÿ Large-Cap Value Fund

3.52%

      

Ÿ Quant Large-Cap Growth Fund

3.32%

      

Ÿ Growth & Income Fund

3.21%

      

Ÿ Quant Small-Cap Equity Fund

0.72%

      

Ÿ Quant Small/Mid-Cap Equity Fund

0.62%

      

Ÿ Quant Large-Cap Value Fund

0.31%

   

International Equity

5.13%

 

Ÿ International Equity Fund

1.59%

      

Ÿ International Opportunities Fund

1.32%

      

Ÿ Emerging Markets Equity Fund

1.05%

      

Ÿ Quant International Small-Cap Equity Fund

0.82%

      

Ÿ Quant International Equity Fund

0.35%

Fixed-Income

79.54%

 

Fixed-Income

38.85%

 

Ÿ Bond Plus Fund

19.93%

      

Ÿ Bond Fund

18.92%

   

Short-Term
Fixed-Income

40.69%

 

Ÿ Short-Term Bond Fund

40.69%


        

Total

100.00%

  

100.00%

  

100.00%

Risk [Heading] rr_RiskHeading Principal investment risks
Risk Narrative [Text Block] rr_RiskNarrativeTextBlock

You could lose money over short or long periods by investing in this Fund. An investment in the Fund, due to the nature of the Fund’s portfolio holdings, typically is subject to the following principal investment risks:


· Asset Allocation Risk—The risk that the Fund may not achieve its target allocations. In addition, there is the risk that the asset allocations may not achieve the desired risk-return characteristic or that the selection of Underlying Funds and the allocations among them will result in the Fund underperforming other similar funds or cause an investor to lose money.


· Underlying Funds Risks—The Fund is exposed to the risks of the Underlying Funds in which it invests in direct proportion to the amount of assets the Fund allocates to each Underlying Fund. Because the Fund targets its investments in a higher percentage of fixed-income Underlying Funds, Fixed-Income Underlying Funds Risks are expected to predominate.


· Fixed-Income Underlying Funds Risks—The risks of investing in fixed-income Underlying Funds include risks specific to their investment strategies, as well as risks related to the fixed-income markets in general, such as:


· interest rate risk—The risk that the value or yield of fixed-income investments may decline if interest rates change, which could adversely affect a Fund’s income or the value of its holdings;


· extension risk—The risk that during periods of rising interest rates, borrowers may pay off their mortgage loans later than expected, preventing a Fund from reinvesting principal proceeds at higher interest rates and resulting in less income than potentially available;


· issuer risk—The risk that an issuer’s earnings prospects and overall financial position will deteriorate, causing a decline in the value of the issuer’s financial instruments over short or extended periods of time;


· credit risk—The risk that a decline in an issuer’s financial position may prevent it from making principal and interest payments on fixed-income investments held by a Fund when due;


· credit spread risk—The risk that credit spreads (i.e., the difference in yield between securities that is due to differences in each security’s respective credit quality) may increase when market participants believe that bonds generally have a greater risk of default, which could result in a decline in the market values of a Fund’s debt securities;


· income volatility risk—The risk that the level of current income from a Fund’s portfolio of fixed-income securities may decline due to rapid and unpredictable changes in prevailing market interest rates; and


· call risk—The risk that, during periods of falling interest rates, an issuer may call (or repay) a fixed-income security prior to maturity, resulting in a decline in a Fund’s income.


· Equity Underlying Funds Risks—The risks of investing in equity Underlying Funds include risks specific to their investment strategies, as well as risks related to the equity markets in general, such as:


· market risk—The risk that the price of equity investments may decline in response to general market and economic conditions or events, including conditions and developments outside of the financial markets;


· issuer risk—The risk that an issuer’s earnings prospects and overall financial position will deteriorate, causing a decline in the value of the issuer’s financial instruments over short or extended periods of time; and


· foreign investment risk—The increased risks of adverse issuer, political, regulatory, currency, market or economic developments compared to investments in U.S. issuers, which can result in greater market and price volatility.


· Active Management Risk—The risk that the strategy, investment selection or trading execution of Advisors could cause the Fund or an Underlying Fund to underperform its benchmark index or mutual funds with similar investment objectives.


· Fund of Funds Risk—The ability of the Fund to achieve its investment objective will depend in part upon the ability of the Underlying Funds to achieve their investment objectives. There can be no guarantee that any Underlying Fund will achieve its investment objective.


There can be no assurances that the Fund will achieve its investment objective. You should not consider the Fund to be a complete investment program. Please see the non-summary portion of the Prospectus for more detailed information about the risks described above, including the risks of the Underlying Funds.

Risk Lose Money [Text] rr_RiskLoseMoney You could lose money over short or long periods by investing in this Fund.
Bar Chart and Performance Table [Heading] rr_BarChartAndPerformanceTableHeading Past performance
Performance Narrative [Text Block] rr_PerformanceNarrativeTextBlock

The following chart and table help illustrate some of the risks of investing in the Fund by showing changes in the Fund’s performance from year to year. The bar chart shows the annual total returns of the Institutional Class of the Fund, before taxes, in each full calendar year since inception of the Institutional Class. Because the expenses vary across share classes, the performance of the Institutional Class may vary from the other share classes. Below the bar chart are the best and worst returns of the Institutional Class for a calendar quarter during the full calendar-year periods covered by the bar chart. The performance table following the bar chart shows the Fund’s average annual total returns for the Institutional, Advisor, Premier, Retirement and Retail classes over the applicable one-year, five-year, ten-year and since-inception periods ended December 31, 2018, and how those returns compare to those of a broad-based securities market index and a composite index based on the Fund’s target allocations. After-tax performance is shown only for the Institutional Class shares, and after-tax returns for the other classes of shares will vary from the after-tax returns presented for Institutional Class shares.


The returns shown below reflect previous agreements by Advisors to waive or reimburse the Fund and certain Underlying Funds for certain fees and expenses. Without these waivers and reimbursements, the returns of the Fund would have been lower. Past performance of the Fund (before and after taxes) is not necessarily an indication of how it will perform in the future. The indices listed below are unmanaged, and you cannot invest directly in an index. The returns for the indices reflect no deduction for fees, expenses or taxes.


For current performance information of each share class, including performance to the most recent month-end, please visit www.tiaa.org.

Performance Information Illustrates Variability of Returns [Text] rr_PerformanceInformationIllustratesVariabilityOfReturns The following chart and table help illustrate some of the risks of investing in the Fund by showing changes in the Fund’s performance from year to year.
Performance Additional Market Index [Text] rr_PerformanceAdditionalMarketIndex As of the close of business on December 31, 2018, the Lifestyle Income Fund Composite Index consisted of: 40.0% Bloomberg Barclays U.S. Aggregate Bond Index; 40.0% Bloomberg Barclays U.S. 1–3 Year Government/Credit Bond Index; 14.0% Russell 3000® Index; and 6.0% MSCI All Country World Index ex USA Investable Market Index. The Fund’s composite benchmark, the components that make up a composite benchmark and the method of calculating a composite benchmark’s performance may vary over time.
Performance Availability Website Address [Text] rr_PerformanceAvailabilityWebSiteAddress www.tiaa.org
Performance Past Does Not Indicate Future [Text] rr_PerformancePastDoesNotIndicateFuture Past performance of the Fund (before and after taxes) is not necessarily an indication of how it will perform in the future.
Bar Chart [Heading] rr_BarChartHeading ANNUAL TOTAL RETURNS FOR THE INSTITUTIONAL CLASS SHARES (%)† Lifestyle Income Fund
Bar Chart Footnotes [Text Block] rr_BarChartFootnotesTextBlock

 The year-to-date return as of the most recent calendar quarter, which ended on June 30, 2019, was 7.44%.

Bar Chart Closing [Text Block] rr_BarChartClosingTextBlock

Best quarter: 3.94%, for the quarter ended March 31, 2012. Worst quarter: -2.77%, for the quarter ended December 31, 2018.

Year to Date Return, Label rr_YearToDateReturnLabel The year-to-date return as of the most recent calendar quarter, which ended on June 30, 2019, was
Bar Chart, Year to Date Return, Date rr_BarChartYearToDateReturnDate Jun. 30, 2019
Bar Chart, Year to Date Return rr_BarChartYearToDateReturn 7.44%
Highest Quarterly Return, Label rr_HighestQuarterlyReturnLabel Best quarter:
Highest Quarterly Return, Date rr_BarChartHighestQuarterlyReturnDate Mar. 31, 2012
Highest Quarterly Return rr_BarChartHighestQuarterlyReturn 3.94%
Lowest Quarterly Return, Label rr_LowestQuarterlyReturnLabel Worst quarter:
Lowest Quarterly Return, Date rr_BarChartLowestQuarterlyReturnDate Dec. 31, 2018
Lowest Quarterly Return rr_BarChartLowestQuarterlyReturn (2.77%)
Index No Deduction for Fees, Expenses, Taxes [Text] rr_IndexNoDeductionForFeesExpensesTaxes (reflects no deductions for fees, expenses or taxes)
Performance Table Uses Highest Federal Rate rr_PerformanceTableUsesHighestFederalRate After-tax returns are calculated using the historical highest individual federal marginal income tax rates in effect during the periods shown and do not reflect the impact of state and local taxes.
Performance Table Not Relevant to Tax Deferred rr_PerformanceTableNotRelevantToTaxDeferred The after-tax returns shown are not relevant to investors who hold their Fund shares through tax-deferred arrangements such as 401(a), 401(k) or 403(b) plans or Individual Retirement Accounts (IRAs).
Performance Table One Class of after Tax Shown [Text] rr_PerformanceTableOneClassOfAfterTaxShown After-tax performance is shown only for the Institutional Class shares, and after-tax returns for the other classes of shares will vary from the after-tax returns presented for Institutional Class shares.
Performance Table Closing [Text Block] rr_PerformanceTableClosingTextBlock

Current performance of the Fund’s shares may be higher or lower than that shown above.


After-tax returns are calculated using the historical highest individual federal marginal income tax rates in effect during the periods shown and do not reflect the impact of state and local taxes. Actual after-tax returns depend on the investor’s tax situation and may differ from those shown. The after-tax returns shown are not relevant to investors who hold their Fund shares through tax-deferred arrangements such as 401(a), 401(k) or 403(b) plans or Individual Retirement Accounts (IRAs). After-tax returns are shown for only one class, and after-tax returns for other classes will vary.

Average Annual Return, Caption rr_AverageAnnualReturnCaption AVERAGE ANNUAL TOTAL RETURNS For the Periods Ended December 31, 2018
TIAA-CREF Lifestyle Income Fund | Morningstar Conservative Target Risk Index (reflects no deductions for fees, expenses or taxes)  
Risk/Return: rr_RiskReturnAbstract  
1 Year rr_AverageAnnualReturnYear01 (1.20%)
5 Years rr_AverageAnnualReturnYear05 2.54%
Since Inception rr_AverageAnnualReturnSinceInception 3.31% [1]
TIAA-CREF Lifestyle Income Fund | Lifestyle Income Fund Composite Index (reflects no deductions for fees, expenses or taxes)  
Risk/Return: rr_RiskReturnAbstract  
1 Year rr_AverageAnnualReturnYear01 (0.87%) [2]
5 Years rr_AverageAnnualReturnYear05 2.66% [2]
Since Inception rr_AverageAnnualReturnSinceInception 3.38% [1],[2]
TIAA-CREF Lifestyle Income Fund | Institutional Class  
Risk/Return: rr_RiskReturnAbstract  
Maximum sales charge imposed on purchases (percentage of offering price) rr_MaximumSalesChargeImposedOnPurchasesOverOfferingPrice none
Maximum deferred sales charge rr_MaximumDeferredSalesChargeOverOfferingPrice none
Maximum sales charge imposed on reinvested dividends and other distributions rr_MaximumSalesChargeOnReinvestedDividendsAndDistributionsOverOther none
Redemption or exchange fee rr_RedemptionFeeOverRedemption none
Account maintenance fee (annual fee on accounts under $2,000) rr_ShareholderFeeOther none
Management fees rr_ManagementFeesOverAssets 0.10%
Other expenses rr_OtherExpensesOverAssets 0.26%
Acquired Fund fees and expenses rr_AcquiredFundFeesAndExpensesOverAssets 0.32% [3]
Total annual Fund operating expenses rr_ExpensesOverAssets 0.68%
Waivers and expense reimbursements rr_FeeWaiverOrReimbursementOverAssets (0.26%) [4]
Total annual Fund operating expenses after fee waiver and/or expense reimbursement rr_NetExpensesOverAssets 0.42%
Expense Example, with Redemption, 1 Year rr_ExpenseExampleYear01 $ 43
Expense Example, with Redemption, 3 Years rr_ExpenseExampleYear03 191
Expense Example, with Redemption, 5 Years rr_ExpenseExampleYear05 353
Expense Example, with Redemption, 10 Years rr_ExpenseExampleYear10 $ 822
Annual Return 2012 rr_AnnualReturn2012 8.53%
Annual Return 2013 rr_AnnualReturn2013 5.05%
Annual Return 2014 rr_AnnualReturn2014 3.54%
Annual Return 2015 rr_AnnualReturn2015 0.77%
Annual Return 2016 rr_AnnualReturn2016 4.22%
Annual Return 2017 rr_AnnualReturn2017 7.43%
Annual Return 2018 rr_AnnualReturn2018 (2.04%)
1 Year rr_AverageAnnualReturnYear01 (2.04%)
5 Years rr_AverageAnnualReturnYear05 2.74%
Since Inception rr_AverageAnnualReturnSinceInception 3.87%
Inception Date rr_AverageAnnualReturnInceptionDate Dec. 09, 2011
TIAA-CREF Lifestyle Income Fund | Institutional Class | After Taxes on Distributions  
Risk/Return: rr_RiskReturnAbstract  
1 Year rr_AverageAnnualReturnYear01 (3.22%)
5 Years rr_AverageAnnualReturnYear05 1.58%
Since Inception rr_AverageAnnualReturnSinceInception 2.74%
TIAA-CREF Lifestyle Income Fund | Institutional Class | After Taxes on Distributions and Sale of Fund Shares  
Risk/Return: rr_RiskReturnAbstract  
1 Year rr_AverageAnnualReturnYear01 (0.97%)
5 Years rr_AverageAnnualReturnYear05 1.69%
Since Inception rr_AverageAnnualReturnSinceInception 2.60%
TIAA-CREF Lifestyle Income Fund | Advisor Class  
Risk/Return: rr_RiskReturnAbstract  
Maximum sales charge imposed on purchases (percentage of offering price) rr_MaximumSalesChargeImposedOnPurchasesOverOfferingPrice none
Maximum deferred sales charge rr_MaximumDeferredSalesChargeOverOfferingPrice none
Maximum sales charge imposed on reinvested dividends and other distributions rr_MaximumSalesChargeOnReinvestedDividendsAndDistributionsOverOther none
Redemption or exchange fee rr_RedemptionFeeOverRedemption none
Account maintenance fee (annual fee on accounts under $2,000) rr_ShareholderFeeOther none
Management fees rr_ManagementFeesOverAssets 0.10%
Other expenses rr_OtherExpensesOverAssets 0.33% [5]
Acquired Fund fees and expenses rr_AcquiredFundFeesAndExpensesOverAssets 0.32% [3]
Total annual Fund operating expenses rr_ExpensesOverAssets 0.75%
Waivers and expense reimbursements rr_FeeWaiverOrReimbursementOverAssets (0.25%) [4]
Total annual Fund operating expenses after fee waiver and/or expense reimbursement rr_NetExpensesOverAssets 0.50%
Expense Example, with Redemption, 1 Year rr_ExpenseExampleYear01 $ 51
Expense Example, with Redemption, 3 Years rr_ExpenseExampleYear03 215
Expense Example, with Redemption, 5 Years rr_ExpenseExampleYear05 392
Expense Example, with Redemption, 10 Years rr_ExpenseExampleYear10 $ 907
1 Year rr_AverageAnnualReturnYear01 (2.04%)
5 Years rr_AverageAnnualReturnYear05 2.72% [6]
Since Inception rr_AverageAnnualReturnSinceInception 3.86% [6]
Inception Date rr_AverageAnnualReturnInceptionDate Dec. 04, 2015
TIAA-CREF Lifestyle Income Fund | Premier Class  
Risk/Return: rr_RiskReturnAbstract  
Maximum sales charge imposed on purchases (percentage of offering price) rr_MaximumSalesChargeImposedOnPurchasesOverOfferingPrice none
Maximum deferred sales charge rr_MaximumDeferredSalesChargeOverOfferingPrice none
Maximum sales charge imposed on reinvested dividends and other distributions rr_MaximumSalesChargeOnReinvestedDividendsAndDistributionsOverOther none
Redemption or exchange fee rr_RedemptionFeeOverRedemption none
Account maintenance fee (annual fee on accounts under $2,000) rr_ShareholderFeeOther none
Management fees rr_ManagementFeesOverAssets 0.10%
Distribution (Rule 12b-1) fees rr_DistributionAndService12b1FeesOverAssets 0.15%
Other expenses rr_OtherExpensesOverAssets 0.26%
Acquired Fund fees and expenses rr_AcquiredFundFeesAndExpensesOverAssets 0.32% [3]
Total annual Fund operating expenses rr_ExpensesOverAssets 0.83%
Waivers and expense reimbursements rr_FeeWaiverOrReimbursementOverAssets (0.26%) [4]
Total annual Fund operating expenses after fee waiver and/or expense reimbursement rr_NetExpensesOverAssets 0.57%
Expense Example, with Redemption, 1 Year rr_ExpenseExampleYear01 $ 58
Expense Example, with Redemption, 3 Years rr_ExpenseExampleYear03 239
Expense Example, with Redemption, 5 Years rr_ExpenseExampleYear05 435
Expense Example, with Redemption, 10 Years rr_ExpenseExampleYear10 $ 1,001
1 Year rr_AverageAnnualReturnYear01 (2.26%)
5 Years rr_AverageAnnualReturnYear05 2.57%
Since Inception rr_AverageAnnualReturnSinceInception 3.71%
Inception Date rr_AverageAnnualReturnInceptionDate Dec. 09, 2011
TIAA-CREF Lifestyle Income Fund | Retirement Class  
Risk/Return: rr_RiskReturnAbstract  
Maximum sales charge imposed on purchases (percentage of offering price) rr_MaximumSalesChargeImposedOnPurchasesOverOfferingPrice none
Maximum deferred sales charge rr_MaximumDeferredSalesChargeOverOfferingPrice none
Maximum sales charge imposed on reinvested dividends and other distributions rr_MaximumSalesChargeOnReinvestedDividendsAndDistributionsOverOther none
Redemption or exchange fee rr_RedemptionFeeOverRedemption none
Account maintenance fee (annual fee on accounts under $2,000) rr_ShareholderFeeOther none
Management fees rr_ManagementFeesOverAssets 0.10%
Other expenses rr_OtherExpensesOverAssets 0.50%
Acquired Fund fees and expenses rr_AcquiredFundFeesAndExpensesOverAssets 0.32% [3]
Total annual Fund operating expenses rr_ExpensesOverAssets 0.92%
Waivers and expense reimbursements rr_FeeWaiverOrReimbursementOverAssets (0.25%) [4]
Total annual Fund operating expenses after fee waiver and/or expense reimbursement rr_NetExpensesOverAssets 0.67%
Expense Example, with Redemption, 1 Year rr_ExpenseExampleYear01 $ 68
Expense Example, with Redemption, 3 Years rr_ExpenseExampleYear03 268
Expense Example, with Redemption, 5 Years rr_ExpenseExampleYear05 485
Expense Example, with Redemption, 10 Years rr_ExpenseExampleYear10 $ 1,108
1 Year rr_AverageAnnualReturnYear01 (2.27%)
5 Years rr_AverageAnnualReturnYear05 2.48%
Since Inception rr_AverageAnnualReturnSinceInception 3.61%
Inception Date rr_AverageAnnualReturnInceptionDate Dec. 09, 2011
TIAA-CREF Lifestyle Income Fund | Retail Class  
Risk/Return: rr_RiskReturnAbstract  
Maximum sales charge imposed on purchases (percentage of offering price) rr_MaximumSalesChargeImposedOnPurchasesOverOfferingPrice none
Maximum deferred sales charge rr_MaximumDeferredSalesChargeOverOfferingPrice none
Maximum sales charge imposed on reinvested dividends and other distributions rr_MaximumSalesChargeOnReinvestedDividendsAndDistributionsOverOther none
Redemption or exchange fee rr_RedemptionFeeOverRedemption none
Account maintenance fee (annual fee on accounts under $2,000) rr_ShareholderFeeOther $ 15.00
Management fees rr_ManagementFeesOverAssets 0.10%
Distribution (Rule 12b-1) fees rr_DistributionAndService12b1FeesOverAssets 0.25%
Other expenses rr_OtherExpensesOverAssets 0.28%
Acquired Fund fees and expenses rr_AcquiredFundFeesAndExpensesOverAssets 0.32% [3]
Total annual Fund operating expenses rr_ExpensesOverAssets 0.95%
Waivers and expense reimbursements rr_FeeWaiverOrReimbursementOverAssets (0.25%) [4]
Total annual Fund operating expenses after fee waiver and/or expense reimbursement rr_NetExpensesOverAssets 0.70%
Expense Example, with Redemption, 1 Year rr_ExpenseExampleYear01 $ 72
Expense Example, with Redemption, 3 Years rr_ExpenseExampleYear03 278
Expense Example, with Redemption, 5 Years rr_ExpenseExampleYear05 501
Expense Example, with Redemption, 10 Years rr_ExpenseExampleYear10 $ 1,144
1 Year rr_AverageAnnualReturnYear01 (2.30%)
5 Years rr_AverageAnnualReturnYear05 2.44%
Since Inception rr_AverageAnnualReturnSinceInception 3.58%
Inception Date rr_AverageAnnualReturnInceptionDate Dec. 09, 2011
[1] Performance is calculated from the inception date of the Institutional Class.
[2] As of the close of business on December 31, 2018, the Lifestyle Income Fund Composite Index consisted of: 40.0% Bloomberg Barclays U.S. Aggregate Bond Index; 40.0% Bloomberg Barclays U.S. 1-3 Year Government/Credit Bond Index; 14.0% Russell 3000® Index; and 6.0% MSCI All Country World Index ex USA Investable Market Index. The Fund's composite benchmark, the components that make up a composite benchmark and the method of calculating a composite benchmark's performance may vary over time.
[3] "Acquired Fund fees and expenses" are the Fund's proportionate amount of the expenses of any investment companies or pools in which it invests. These expenses are not paid directly by Fund shareholders. Instead, Fund shareholders bear these expenses indirectly because they reduce Fund performance. Because "Acquired Fund fees and expenses" are included in the chart above, the Fund's operating expenses here will not correlate with the expenses included in the Financial highlights in this Prospectus and the Fund's annual report.
[4] Under the Fund's expense reimbursement arrangements, the Fund's investment adviser, Teachers Advisors, LLC ("Advisors"), has contractually agreed to reimburse the Fund for any Total annual Fund operating expenses (excluding interest, taxes, brokerage commissions or other transactional expenses, Acquired Fund fees and expenses and extraordinary expenses) that exceed: (i) 0.10% of average daily net assets for Institutional Class shares; (ii) 0.25% of average daily net assets for Advisor Class shares; (iii) 0.25% of average daily net assets for Premier Class shares; (iv) 0.35% of average daily net assets for Retirement Class shares; and (v) 0.49% of average daily net assets for Retail Class shares of the Fund. These expense reimbursement arrangements will continue through at least September 30, 2020, unless changed with approval of the Board of Trustees.
[5] Restated to reflect estimate for the current fiscal year.
[6] The performance shown for the Advisor Class that is prior to its inception date is based on performance of the Fund's Institutional Class. The performance for these periods has not been restated to reflect higher expenses of the Advisor Class. If those expenses had been reflected, the performance would have been lower.
XML 16 R8.htm IDEA: XBRL DOCUMENT v3.19.3
Label Element Value
TIAA-CREF Lifecycle Retirement Income Fund  
Risk/Return: rr_RiskReturnAbstract  
Risk/Return [Heading] rr_RiskReturnHeading TIAA-CREF Lifecycle Retirement Income Fund
Objective [Heading] rr_ObjectiveHeading Investment objective
Objective, Primary [Text Block] rr_ObjectivePrimaryTextBlock

The Lifecycle Retirement Income Fund seeks high total return over time primarily through income,

Objective, Secondary [Text Block] rr_ObjectiveSecondaryTextBlock

with a secondary emphasis on capital appreciation.

Expense [Heading] rr_ExpenseHeading Fees and expenses
Expense Narrative [Text Block] rr_ExpenseNarrativeTextBlock

This table describes the fees and expenses that you may pay if you buy and hold shares of the Fund. In addition to the fees and expenses described below, investors may be required to pay a commission to a broker-dealer or other financial intermediary on purchases and sales of Institutional Class or Advisor Class shares of the Fund.

Shareholder Fees Caption [Text] rr_ShareholderFeesCaption SHAREHOLDER FEES (fees paid directly from your investment)
Operating Expenses Caption [Text] rr_OperatingExpensesCaption ANNUAL FUND OPERATING EXPENSES (expenses that you pay each year as a percentage of the value of your investment)
Fee Waiver or Reimbursement over Assets, Date of Termination rr_FeeWaiverOrReimbursementOverAssetsDateOfTermination Sep. 30, 2020
Portfolio Turnover [Heading] rr_PortfolioTurnoverHeading Portfolio turnover
Portfolio Turnover [Text Block] rr_PortfolioTurnoverTextBlock

The Fund pays transaction costs, such as commissions, when it buys and sells securities (or “turns over” its portfolio). A higher portfolio turnover rate may indicate higher transaction costs and may result in higher taxes when Fund shares are held in a taxable account. These costs, which are not reflected in annual fund operating expenses or in the example, affect the Fund’s performance. During the fiscal year ended May 31, 2019, the Fund’s portfolio turnover rate was 25% of the average value of its portfolio.

Portfolio Turnover, Rate rr_PortfolioTurnoverRate 25.00%
Expenses Restated to Reflect Current [Text] rr_ExpensesRestatedToReflectCurrent Restated to reflect estimates for the current fiscal year.
Expenses Not Correlated to Ratio Due to Acquired Fund Fees [Text] rr_ExpensesNotCorrelatedToRatioDueToAcquiredFundFees “Acquired Fund fees and expenses” are the Fund’s proportionate amount of the expenses of any investment companies or pools in which it invests (excluding expenses originally incurred by Class W of the Underlying Funds of the Trust that have been incurred directly by the Fund, which are instead reflected in Management fees and Other expenses). These expenses are not paid directly by Fund shareholders. Instead, Fund shareholders bear these expenses indirectly because they reduce Fund performance. Because “Acquired Fund fees and expenses” are included in the chart above, the Fund’s operating expenses here will not correlate with the expenses included in the Financial highlights in this Prospectus and the Fund’s annual report.
Expense Example [Heading] rr_ExpenseExampleHeading Example
Expense Example Narrative [Text Block] rr_ExpenseExampleNarrativeTextBlock

This example is intended to help you compare the cost of investing in shares of the Fund with the cost of investing in other mutual funds. The example assumes that you invest $10,000 in the Fund for the time periods indicated and then redeem all your shares at the end of those periods. The example also assumes that your investment has a 5% return each year and that the Fund’s operating expenses, before fee waivers and/or expense reimbursements, remain the same. The example assumes that the Fund’s fee waiver and/or expense reimbursement arrangements will each remain in place for the durations noted in the table above. Although your actual costs may be higher or lower, based on these assumptions your costs would be:

Strategy [Heading] rr_StrategyHeading Principal investment strategies
Strategy Narrative [Text Block] rr_StrategyNarrativeTextBlock

The Fund is a “fund of funds” that invests in Class W shares of other funds of the Trust and in other investment pools or investment products, potentially including other funds advised by the Fund’s investment adviser, Teachers Advisors, LLC (“Advisors”), or its affiliates (collectively, the “Underlying Funds”). The Fund invests in Underlying Funds according to a relatively stable asset allocation strategy that will not gradually adjust over time and is designed for investors who are already in retirement (i.e., have already passed their retirement year) and may have begun taking systematic withdrawals upon retirement.


Advisors currently expects to allocate approximately 35.00% of the Fund’s assets to equity Underlying Funds, 60.00% of its assets to fixed-income Underlying Funds and 5.00% of its assets to direct real estate Underlying Funds. These allocations represent targets for equity, fixed-income and direct real estate asset classes. Target allocations may be changed and actual allocations may vary up to ten percentage points from the targets. Within the equity, fixed-income and direct real estate asset classes, Advisors allocates the Fund’s investments to particular market sectors (U.S. equity, international equity, fixed-income, short-term fixed-income, inflation-protected assets and direct real estate) represented by various Underlying Funds. These market sector allocations may vary by up to 10% from the Fund’s target market sector allocations. The Fund’s current target market sector allocations for June 30, 2020 which may change, are approximately as follows: U.S. Equity: 24.50%; International Equity: 10.50%; Fixed-Income: 40.00%; Short-Term Fixed-Income: 10.00%; Inflation-Protected Assets: 10.00%; and Direct Real Estate: 5.00%. The asset class and market sector names used herein are intended to reflect the primary type of investment of the Underlying Funds within each of these categories.


The Fund’s target market sector allocations to Underlying Funds may include the TIAA-CREF Growth & Income Fund, Large-Cap Growth Fund, Large-Cap Value Fund, Quant Large-Cap Growth Fund, Quant Large-Cap Value Fund, Quant Small-Cap Equity Fund and Quant Small/Mid-Cap Equity Fund (U.S. Equity); Emerging Markets Equity Fund, International Equity Fund, International Opportunities Fund, Quant International Equity Fund and Quant International Small-Cap Equity Fund (International Equity); Bond Fund, Bond Plus Fund, Emerging Markets Debt Fund, High-Yield Fund and International Bond Fund (Fixed-Income); Money Market Fund and Short-Term Bond Fund (Short-Term Fixed-Income); Inflation-Linked Bond Fund (Inflation-Protected Assets); and Real Property Fund LP (Direct Real Estate). TIAA-CREF Real Property Fund LP is a private fund, which is not available for investment by the general public; it is currently offered exclusively to investment pools or investment products managed by Advisors or its affiliates.


Additional or replacement Underlying Funds for each market sector, as well as additional or replacement market sectors, may be included when making future allocations if Advisors believes that such Underlying Funds and/or market sectors are appropriate in light of the Fund’s desired levels of risk and potential return at the particular time. The Fund’s portfolio management team may also add a new market sector if it believes that will help to achieve the Fund’s investment objective. The relative allocations among Underlying Funds within a market sector may be changed at any time without notice to shareholders, and the portfolio management team may use tactical allocation to take advantage of short to intermediate term opportunities through a combination of positions in Underlying Funds. If 10% or more of the Fund’s assets are expected to be invested in any Underlying Fund or market sector not listed above, shareholders will receive prior notice of such change. Investors should note that the Fund has a significant level of equity exposure and this exposure could cause fluctuation in the value of the Fund depending on the performance of the equity markets generally.


The Fund’s asset class allocations, market sector allocations within each asset class, and Underlying Fund allocations within each market sector, as of June 30, 2019, are listed in the chart below. The Fund has relatively fixed asset allocations that will not gradually adjust over time. Underlying Fund allocations may change from year to year.


        

Asset Class

Allocation

  

Market Sector

Allocation

 

Underlying Funds

Allocation

Equity

36.02%

 

U.S. Equity

25.26%

 

Ÿ Growth & Income Fund

5.30%

      

Ÿ Large-Cap Growth Fund

4.78%

      

Ÿ Large-Cap Value Fund

4.63%

      

Ÿ Quant Large-Cap Growth Fund

4.18%

      

Ÿ Quant Large-Cap Value Fund

4.06%

      

Ÿ Quant Small-Cap Equity Fund

1.29%

      

Ÿ Quant Small/Mid-Cap Equity Fund

1.02%

   

International Equity

10.76%

 

Ÿ Quant International Equity Fund

2.81%

      

Ÿ International Equity Fund

2.34%

      

Ÿ International Opportunities Fund

2.34%

      

Ÿ Emerging Markets Equity Fund

1.84%

      

Ÿ Quant International Small-Cap Equity Fund

1.43%

Fixed-Income

59.35%

 

Fixed-Income

38.61%

 

Ÿ Bond Fund

19.80%

      

Ÿ Bond Plus Fund

12.88%

      

Ÿ Emerging Markets Debt Fund

2.13%

      

Ÿ International Bond Fund

2.07%

      

Ÿ High-Yield Fund

1.73%

   

Short-Term
Fixed-Income

10.85%

 

Ÿ Short-Term Bond Fund

10.85%

   

Inflation-
Protected Assets

9.89%

 

Ÿ Inflation-Linked Bond Fund

9.89%

Real Estate

4.63%

 

Direct Real Estate

4.63%

 

Ÿ TIAA-CREF Real Property Fund LP

4.63%


        

Total

100.00%

  

100.00%

  

100.00%

Risk [Heading] rr_RiskHeading Principal investment risks
Risk Narrative [Text Block] rr_RiskNarrativeTextBlock

You could lose money over short or long periods by investing in this Fund. An investment in the Fund, due to the nature of the Fund’s portfolio holdings, typically is subject to the following principal investment risks:


· Asset Allocation Risk—The risk that the Fund may not achieve its target allocations. In addition, there is the risk that the asset allocations may not achieve the desired risk-return characteristic or that the selection of Underlying Funds and the allocations among them will result in the Fund underperforming other similar funds or cause an investor to lose money.


· Underlying Funds Risks—The Fund is exposed to the risks of the Underlying Funds in which it invests in direct proportion to the amount of assets the Fund allocates to each Underlying Fund.


· Equity Underlying Funds Risks—The risks of investing in equity Underlying Funds include risks specific to their investment strategies, as well as risks related to the equity markets in general, such as:


· market risk—The risk that the price of equity investments may decline in response to general market and economic conditions or events, including conditions and developments outside of the financial markets;


· issuer risk—The risk that an issuer’s earnings prospects and overall financial position will deteriorate, causing a decline in the value of the issuer’s financial instruments over short or extended periods of time; and


· foreign investment risk—The increased risks of adverse issuer, political, regulatory, currency, market or economic developments compared to investments in U.S. issuers, which can result in greater market and price volatility.


· Fixed-Income Underlying Funds Risks—The risks of investing in fixed-income Underlying Funds include risks specific to their investment strategies, as well as risks related to the fixed-income markets in general, such as:


· interest rate risk—The risk that the value or yield of fixed-income investments may decline if interest rates change, which could adversely affect a Fund’s income or the value of its holdings;


· extension risk—The risk that during periods of rising interest rates, borrowers may pay off their mortgage loans later than expected, preventing a Fund from reinvesting principal proceeds at higher interest rates and resulting in less income than potentially available;


· issuer risk—The risk that an issuer’s earnings prospects and overall financial position will deteriorate, causing a decline in the value of the issuer’s financial instruments over short or extended periods of time;


· credit risk—The risk that a decline in an issuer’s financial position may prevent it from making principal and interest payments on fixed-income investments held by a Fund when due;


· credit spread risk—The risk that credit spreads (i.e., the difference in yield between securities that is due to differences in each security’s respective credit quality) may increase when market participants believe that bonds generally have a greater risk of default, which could result in a decline in the market values of a Fund’s debt securities;


· income volatility risk—The risk that the level of current income from a Fund’s portfolio of fixed-income securities may decline due to rapid and unpredictable changes in prevailing market interest rates; and


· call risk—The risk that, during periods of falling interest rates, an issuer may call (or repay) a fixed-income security prior to maturity, resulting in a decline in a Fund’s income.


· Direct Real Estate Underlying Funds Risks—The risks of investing in direct real estate Underlying Funds include risks specific to their investment strategies, as well as risks related to investing in real estate in general, such as:


· real estate-related investment risk—The risks associated with exposure to direct real estate through investing in investment vehicles managed by Advisors that will primarily invest directly in real estate, which can include declines in real estate values or revenues, uninsured losses at properties, the absence of regulatory oversight of and a secondary market for interests in direct real estate Underlying Funds, a scarcity of interests issued by direct real estate Underlying Funds, making it difficult for the Fund to achieve its target allocation, and illiquidity of interests in direct real estate Underlying Funds.


· Active Management Risk—The risk that the strategy, investment selection or trading execution of Advisors could cause the Fund or an Underlying Fund to underperform its benchmark index or mutual funds with similar investment objectives.


· Fund of Funds Risk—The ability of the Fund to achieve its investment objective will depend in part upon the ability of the Underlying Funds to achieve their investment objectives. There can be no guarantee that any Underlying Fund will achieve its investment objective.


There can be no assurances that the Fund will achieve its investment objective. You should not consider the Fund to be a complete investment program. Please see the non-summary portion of the Prospectus for more detailed information about the risks described above, including the risks of the Underlying Funds.

Risk Lose Money [Text] rr_RiskLoseMoney You could lose money over short or long periods by investing in this Fund.
Bar Chart and Performance Table [Heading] rr_BarChartAndPerformanceTableHeading Past performance
Performance Narrative [Text Block] rr_PerformanceNarrativeTextBlock

The following chart and table help illustrate some of the risks of investing in the Fund by showing changes in the Fund’s performance from year to year. The bar chart shows the annual total returns of the Retirement Class of the Fund, before taxes, in each full calendar year for the last ten years. Because the expenses vary across share classes, the performance of the Retirement Class may vary from the other share classes. Below the bar chart are the best and worst returns of the Retirement Class for a calendar quarter during the full calendar-year periods covered by the bar chart. The performance table following the bar chart shows the Fund’s average annual total returns for the Retirement, Institutional, Advisor, Premier and Retail classes over the applicable one-year, five-year, ten-year and since-inception periods ended December 31, 2018, and how those returns compare to those of a broad-based securities market index and a composite index that represents the market sectors in which the Fund invests across the equity and fixed-income asset classes. After-tax performance is shown only for the Retirement Class shares, and after-tax returns for the other classes of shares will vary from the after-tax returns presented for Retirement Class shares.


The returns shown below reflect previous agreements by Advisors to waive or reimburse the Fund and certain Underlying Funds for certain fees and expenses. Without these waivers and reimbursements, the returns of the Fund would have been lower. Past performance of the Fund (before and after taxes) is not necessarily an indication of how it will perform in the future. The indices listed below are unmanaged, and you cannot invest directly in an index. The returns for the indices reflect no deduction for fees, expenses or taxes.


For current performance information of each share class, including performance to the most recent month-end, please visit www.tiaa.org.

Performance Information Illustrates Variability of Returns [Text] rr_PerformanceInformationIllustratesVariabilityOfReturns The following chart and table help illustrate some of the risks of investing in the Fund by showing changes in the Fund’s performance from year to year.
Performance Additional Market Index [Text] rr_PerformanceAdditionalMarketIndex As of the close of business on December 31, 2018, the Lifecycle Retirement Income Fund Composite Index consisted of: 40.0% Bloomberg Barclays U.S. Aggregate Bond Index; 28.0% Russell 3000® Index; 12.0% MSCI All Country World Index ex USA Investable Market Index; 10.0% Bloomberg Barclays U.S. 1–3 Year Government/Credit Bond Index; and 10.0% Bloomberg Barclays U.S. Treasury Inflation Protected Securities (TIPS) 1-10 Year Index. The Fund’s composite benchmark, the components that make up a composite benchmark and the method of calculating a composite benchmark’s performance may vary over time.
Performance Availability Website Address [Text] rr_PerformanceAvailabilityWebSiteAddress www.tiaa.org
Performance Past Does Not Indicate Future [Text] rr_PerformancePastDoesNotIndicateFuture Past performance of the Fund (before and after taxes) is not necessarily an indication of how it will perform in the future.
Bar Chart [Heading] rr_BarChartHeading ANNUAL TOTAL RETURNS FOR THE RETIREMENT CLASS SHARES (%)† Lifecycle Retirement Income Fund
Bar Chart Footnotes [Text Block] rr_BarChartFootnotesTextBlock

 The year-to-date return as of the most recent calendar quarter, which ended on June 30, 2019, was 9.91%.

Bar Chart Closing [Text Block] rr_BarChartClosingTextBlock

Best quarter: 8.88%, for the quarter ended September 30, 2009. Worst quarter: -6.10%, for the quarter ended September 30, 2011.

Year to Date Return, Label rr_YearToDateReturnLabel The year-to-date return as of the most recent calendar quarter, which ended on June 30, 2019, was
Bar Chart, Year to Date Return, Date rr_BarChartYearToDateReturnDate Jun. 30, 2019
Bar Chart, Year to Date Return rr_BarChartYearToDateReturn 9.91%
Highest Quarterly Return, Label rr_HighestQuarterlyReturnLabel Best quarter:
Highest Quarterly Return, Date rr_BarChartHighestQuarterlyReturnDate Sep. 30, 2009
Highest Quarterly Return rr_BarChartHighestQuarterlyReturn 8.88%
Lowest Quarterly Return, Label rr_LowestQuarterlyReturnLabel Worst quarter:
Lowest Quarterly Return, Date rr_BarChartLowestQuarterlyReturnDate Sep. 30, 2011
Lowest Quarterly Return rr_BarChartLowestQuarterlyReturn (6.10%)
Index No Deduction for Fees, Expenses, Taxes [Text] rr_IndexNoDeductionForFeesExpensesTaxes (reflects no deductions for fees, expenses or taxes)
Performance Table Uses Highest Federal Rate rr_PerformanceTableUsesHighestFederalRate After-tax returns are calculated using the historical highest individual federal marginal income tax rates in effect during the periods shown and do not reflect the impact of state and local taxes.
Performance Table Not Relevant to Tax Deferred rr_PerformanceTableNotRelevantToTaxDeferred The after-tax returns shown are not relevant to investors who hold their Fund shares through tax-deferred arrangements such as 401(a), 401(k) or 403(b) plans or Individual Retirement Accounts (IRAs).
Performance Table One Class of after Tax Shown [Text] rr_PerformanceTableOneClassOfAfterTaxShown After-tax performance is shown only for the Retirement Class shares, and after-tax returns for the other classes of shares will vary from the after-tax returns presented for Retirement Class shares.
Performance Table Closing [Text Block] rr_PerformanceTableClosingTextBlock

Current performance of the Fund’s shares may be higher or lower than that shown above.


After-tax returns are calculated using the historical highest individual federal marginal income tax rates in effect during the periods shown and do not reflect the impact of state and local taxes. Actual after-tax returns depend on the investor’s tax situation and may differ from those shown. The after-tax returns shown are not relevant to investors who hold their Fund shares through tax-deferred arrangements such as 401(a), 401(k) or 403(b) plans or Individual Retirement Accounts (IRAs). After-tax returns are shown for only one class, and after-tax returns for other classes will vary.

Average Annual Return, Caption rr_AverageAnnualReturnCaption AVERAGE ANNUAL TOTAL RETURNS For the Periods Ended December 31, 2018
TIAA-CREF Lifecycle Retirement Income Fund | S&P Target Date Retirement Income Index  
Risk/Return: rr_RiskReturnAbstract  
1 Year rr_AverageAnnualReturnYear01 (2.54%)
5 Years rr_AverageAnnualReturnYear05 3.06%
10 Years rr_AverageAnnualReturnYear10 5.31%
TIAA-CREF Lifecycle Retirement Income Fund | Lifecycle Retirement Income Fund Composite Index (reflects no deductions for fees, expenses or taxes)  
Risk/Return: rr_RiskReturnAbstract  
1 Year rr_AverageAnnualReturnYear01 (2.94%) [1]
5 Years rr_AverageAnnualReturnYear05 3.71% [1]
10 Years rr_AverageAnnualReturnYear10 6.55% [1]
TIAA-CREF Lifecycle Retirement Income Fund | Institutional Class  
Risk/Return: rr_RiskReturnAbstract  
Maximum sales charge imposed on purchases (percentage of offering price) rr_MaximumSalesChargeImposedOnPurchasesOverOfferingPrice none
Maximum deferred sales charge rr_MaximumDeferredSalesChargeOverOfferingPrice none
Maximum sales charge imposed on reinvested dividends and other distributions rr_MaximumSalesChargeOnReinvestedDividendsAndDistributionsOverOther none
Redemption or exchange fee rr_RedemptionFeeOverRedemption none
Account maintenance fee (annual fee on accounts under $2,000) rr_ShareholderFeeOther none
Management fees rr_ManagementFeesOverAssets 0.42% [2],[3]
Other expenses rr_OtherExpensesOverAssets 0.08% [2],[3]
Acquired Fund fees and expenses rr_AcquiredFundFeesAndExpensesOverAssets 0.03% [4]
Total annual Fund operating expenses rr_ExpensesOverAssets 0.53%
Waivers and expense reimbursements rr_FeeWaiverOrReimbursementOverAssets (0.16%) [5],[6]
Total annual Fund operating expenses after fee waiver and/or expense reimbursement rr_NetExpensesOverAssets 0.37%
Expense Example, with Redemption, 1 Year rr_ExpenseExampleYear01 $ 38
Expense Example, with Redemption, 3 Years rr_ExpenseExampleYear03 132
Expense Example, with Redemption, 5 Years rr_ExpenseExampleYear05 259
Expense Example, with Redemption, 10 Years rr_ExpenseExampleYear10 $ 629
1 Year rr_AverageAnnualReturnYear01 (3.84%)
5 Years rr_AverageAnnualReturnYear05 3.67%
10 Years rr_AverageAnnualReturnYear10 6.86%
Inception Date rr_AverageAnnualReturnInceptionDate Nov. 30, 2007
TIAA-CREF Lifecycle Retirement Income Fund | Advisor Class  
Risk/Return: rr_RiskReturnAbstract  
Maximum sales charge imposed on purchases (percentage of offering price) rr_MaximumSalesChargeImposedOnPurchasesOverOfferingPrice none
Maximum deferred sales charge rr_MaximumDeferredSalesChargeOverOfferingPrice none
Maximum sales charge imposed on reinvested dividends and other distributions rr_MaximumSalesChargeOnReinvestedDividendsAndDistributionsOverOther none
Redemption or exchange fee rr_RedemptionFeeOverRedemption none
Account maintenance fee (annual fee on accounts under $2,000) rr_ShareholderFeeOther none
Management fees rr_ManagementFeesOverAssets 0.42% [2],[3]
Other expenses rr_OtherExpensesOverAssets 0.16% [2],[3]
Acquired Fund fees and expenses rr_AcquiredFundFeesAndExpensesOverAssets 0.03% [4]
Total annual Fund operating expenses rr_ExpensesOverAssets 0.61%
Waivers and expense reimbursements rr_FeeWaiverOrReimbursementOverAssets (0.16%) [5],[6]
Total annual Fund operating expenses after fee waiver and/or expense reimbursement rr_NetExpensesOverAssets 0.45%
Expense Example, with Redemption, 1 Year rr_ExpenseExampleYear01 $ 46
Expense Example, with Redemption, 3 Years rr_ExpenseExampleYear03 158
Expense Example, with Redemption, 5 Years rr_ExpenseExampleYear05 303
Expense Example, with Redemption, 10 Years rr_ExpenseExampleYear10 $ 726
1 Year rr_AverageAnnualReturnYear01 (3.80%)
5 Years rr_AverageAnnualReturnYear05 3.56% [7]
10 Years rr_AverageAnnualReturnYear10 6.68% [7]
Inception Date rr_AverageAnnualReturnInceptionDate Dec. 04, 2015
TIAA-CREF Lifecycle Retirement Income Fund | Premier Class  
Risk/Return: rr_RiskReturnAbstract  
Maximum sales charge imposed on purchases (percentage of offering price) rr_MaximumSalesChargeImposedOnPurchasesOverOfferingPrice none
Maximum deferred sales charge rr_MaximumDeferredSalesChargeOverOfferingPrice none
Maximum sales charge imposed on reinvested dividends and other distributions rr_MaximumSalesChargeOnReinvestedDividendsAndDistributionsOverOther none
Redemption or exchange fee rr_RedemptionFeeOverRedemption none
Account maintenance fee (annual fee on accounts under $2,000) rr_ShareholderFeeOther none
Management fees rr_ManagementFeesOverAssets 0.42% [2],[3]
Distribution (Rule 12b-1) fees rr_DistributionAndService12b1FeesOverAssets 0.15%
Other expenses rr_OtherExpensesOverAssets 0.08% [2],[3]
Acquired Fund fees and expenses rr_AcquiredFundFeesAndExpensesOverAssets 0.03% [4]
Total annual Fund operating expenses rr_ExpensesOverAssets 0.68%
Waivers and expense reimbursements rr_FeeWaiverOrReimbursementOverAssets (0.16%) [5],[6]
Total annual Fund operating expenses after fee waiver and/or expense reimbursement rr_NetExpensesOverAssets 0.52%
Expense Example, with Redemption, 1 Year rr_ExpenseExampleYear01 $ 53
Expense Example, with Redemption, 3 Years rr_ExpenseExampleYear03 180
Expense Example, with Redemption, 5 Years rr_ExpenseExampleYear05 341
Expense Example, with Redemption, 10 Years rr_ExpenseExampleYear10 $ 811
1 Year rr_AverageAnnualReturnYear01 (3.90%)
5 Years rr_AverageAnnualReturnYear05 3.52%
10 Years rr_AverageAnnualReturnYear10 6.70% [7]
Inception Date rr_AverageAnnualReturnInceptionDate Sep. 30, 2009
TIAA-CREF Lifecycle Retirement Income Fund | Retirement Class  
Risk/Return: rr_RiskReturnAbstract  
Maximum sales charge imposed on purchases (percentage of offering price) rr_MaximumSalesChargeImposedOnPurchasesOverOfferingPrice none
Maximum deferred sales charge rr_MaximumDeferredSalesChargeOverOfferingPrice none
Maximum sales charge imposed on reinvested dividends and other distributions rr_MaximumSalesChargeOnReinvestedDividendsAndDistributionsOverOther none
Redemption or exchange fee rr_RedemptionFeeOverRedemption none
Account maintenance fee (annual fee on accounts under $2,000) rr_ShareholderFeeOther none
Management fees rr_ManagementFeesOverAssets 0.42% [2],[3]
Other expenses rr_OtherExpensesOverAssets 0.33% [2],[3]
Acquired Fund fees and expenses rr_AcquiredFundFeesAndExpensesOverAssets 0.03% [4]
Total annual Fund operating expenses rr_ExpensesOverAssets 0.78%
Waivers and expense reimbursements rr_FeeWaiverOrReimbursementOverAssets (0.16%) [5],[6]
Total annual Fund operating expenses after fee waiver and/or expense reimbursement rr_NetExpensesOverAssets 0.62%
Expense Example, with Redemption, 1 Year rr_ExpenseExampleYear01 $ 63
Expense Example, with Redemption, 3 Years rr_ExpenseExampleYear03 212
Expense Example, with Redemption, 5 Years rr_ExpenseExampleYear05 396
Expense Example, with Redemption, 10 Years rr_ExpenseExampleYear10 $ 931
Annual Return 2009 rr_AnnualReturn2009 16.08%
Annual Return 2010 rr_AnnualReturn2010 10.44%
Annual Return 2011 rr_AnnualReturn2011 2.41%
Annual Return 2012 rr_AnnualReturn2012 11.27%
Annual Return 2013 rr_AnnualReturn2013 9.70%
Annual Return 2014 rr_AnnualReturn2014 4.18%
Annual Return 2015 rr_AnnualReturn2015 0.09%
Annual Return 2016 rr_AnnualReturn2016 5.69%
Annual Return 2017 rr_AnnualReturn2017 11.75%
Annual Return 2018 rr_AnnualReturn2018 (4.01%)
1 Year rr_AverageAnnualReturnYear01 (4.01%)
5 Years rr_AverageAnnualReturnYear05 3.41%
10 Years rr_AverageAnnualReturnYear10 6.60%
Inception Date rr_AverageAnnualReturnInceptionDate Nov. 30, 2007
TIAA-CREF Lifecycle Retirement Income Fund | Retirement Class | After Taxes on Distributions  
Risk/Return: rr_RiskReturnAbstract  
1 Year rr_AverageAnnualReturnYear01 (5.55%)
5 Years rr_AverageAnnualReturnYear05 2.07%
10 Years rr_AverageAnnualReturnYear10 5.45%
TIAA-CREF Lifecycle Retirement Income Fund | Retirement Class | After Taxes on Distributions and Sale of Fund Shares  
Risk/Return: rr_RiskReturnAbstract  
1 Year rr_AverageAnnualReturnYear01 (1.77%)
5 Years rr_AverageAnnualReturnYear05 2.25%
10 Years rr_AverageAnnualReturnYear10 4.93%
TIAA-CREF Lifecycle Retirement Income Fund | Retail Class  
Risk/Return: rr_RiskReturnAbstract  
Maximum sales charge imposed on purchases (percentage of offering price) rr_MaximumSalesChargeImposedOnPurchasesOverOfferingPrice none
Maximum deferred sales charge rr_MaximumDeferredSalesChargeOverOfferingPrice none
Maximum sales charge imposed on reinvested dividends and other distributions rr_MaximumSalesChargeOnReinvestedDividendsAndDistributionsOverOther none
Redemption or exchange fee rr_RedemptionFeeOverRedemption none
Account maintenance fee (annual fee on accounts under $2,000) rr_ShareholderFeeOther $ 15.00
Management fees rr_ManagementFeesOverAssets 0.42% [2],[3]
Distribution (Rule 12b-1) fees rr_DistributionAndService12b1FeesOverAssets 0.25%
Other expenses rr_OtherExpensesOverAssets 0.11% [2],[3]
Acquired Fund fees and expenses rr_AcquiredFundFeesAndExpensesOverAssets 0.03% [4]
Total annual Fund operating expenses rr_ExpensesOverAssets 0.81%
Waivers and expense reimbursements rr_FeeWaiverOrReimbursementOverAssets (0.19%) [5],[6]
Total annual Fund operating expenses after fee waiver and/or expense reimbursement rr_NetExpensesOverAssets 0.62%
Expense Example, with Redemption, 1 Year rr_ExpenseExampleYear01 $ 63
Expense Example, with Redemption, 3 Years rr_ExpenseExampleYear03 218
Expense Example, with Redemption, 5 Years rr_ExpenseExampleYear05 410
Expense Example, with Redemption, 10 Years rr_ExpenseExampleYear10 $ 964
1 Year rr_AverageAnnualReturnYear01 (4.00%)
5 Years rr_AverageAnnualReturnYear05 3.40%
10 Years rr_AverageAnnualReturnYear10 6.63%
Inception Date rr_AverageAnnualReturnInceptionDate Nov. 30, 2007
[1] As of the close of business on December 31, 2018, the Lifecycle Retirement Income Fund Composite Index consisted of: 40.0% Bloomberg Barclays U.S. Aggregate Bond Index; 28.0% Russell 3000® Index; 12.0% MSCI All Country World Index ex USA Investable Market Index; 10.0% Bloomberg Barclays U.S. 1-3 Year Government/Credit Bond Index; and 10.0% Bloomberg Barclays U.S. Treasury Inflation Protected Securities (TIPS) 1-10 Year Index. The Fund's composite benchmark, the components that make up a composite benchmark and the method of calculating a composite benchmark's performance may vary over time.
[2] Portions of the Management fees and Other expenses are based on expenses originally incurred by Class W shares of the Underlying Funds (as defined below) of the Trust, which have been incurred directly by the Fund pursuant to certain contractual arrangements intended to reallocate directly to the Fund certain fees and expenses that had been paid by the Underlying Funds of the Trust. For additional information, please see the "Management of the Funds" section of this Prospectus.
[3] Restated to reflect estimates for the current fiscal year.
[4] "Acquired Fund fees and expenses" are the Fund's proportionate amount of the expenses of any investment companies or pools in which it invests (excluding expenses originally incurred by Class W of the Underlying Funds of the Trust that have been incurred directly by the Fund, which are instead reflected in Management fees and Other expenses). These expenses are not paid directly by Fund shareholders. Instead, Fund shareholders bear these expenses indirectly because they reduce Fund performance. Because "Acquired Fund fees and expenses" are included in the chart above, the Fund's operating expenses here will not correlate with the expenses included in the Financial highlights in this Prospectus and the Fund's annual report.
[5] Advisors has contractually agreed to waive 0.10% of the Fund's Management fee. This waiver will remain in effect through September 30, 2022, unless changed with the approval of the Board of Trustees.
[6] Under the Fund's expense reimbursement arrangements, the Fund's investment adviser, Teachers Advisors, LLC ("Advisors"), has contractually agreed to reimburse the Fund for any Total annual Fund operating expenses (excluding interest, taxes, brokerage commissions or other transactional expenses, Acquired Fund fees and expenses, extraordinary expenses and any expenses originally attributable to Class W shares of the Underlying Funds of the Trust that were incurred directly by the Fund) that exceed: (i) 0.00% of average daily net assets for Institutional Class shares; (ii) 0.15% of average daily net assets for Advisor Class shares; (iii) 0.15% of average daily net assets for Premier Class shares; (iv) 0.25% of average daily net assets for Retirement Class shares; and (v) 0.25% of average daily net assets for Retail Class shares of the Fund. These expense reimbursement arrangements will continue through at least September 30, 2020, unless changed with approval of the Board of Trustees.
[7] The performance shown for the Advisor and Premier classes that is prior to their inception dates is based on performance of the Fund's Retirement Class. The performance for these periods has not been restated to reflect the lower expenses of the Advisor and Premier classes.
XML 17 R29.htm IDEA: XBRL DOCUMENT v3.19.3
Label Element Value
TIAA-CREF Lifecycle 2020 Fund  
Risk/Return: rr_RiskReturnAbstract  
Risk/Return [Heading] rr_RiskReturnHeading TIAA-CREF Lifecycle 2020 Fund
Objective [Heading] rr_ObjectiveHeading Investment objective
Objective, Primary [Text Block] rr_ObjectivePrimaryTextBlock

The Lifecycle 2020 Fund seeks high total return over time through a combination of capital appreciation and income.

Expense [Heading] rr_ExpenseHeading Fees and expenses
Expense Narrative [Text Block] rr_ExpenseNarrativeTextBlock

This table describes the fees and expenses that you may pay if you buy and hold shares of the Fund. In addition to the fees and expenses described below, investors may be required to pay a commission to a broker-dealer or other financial intermediary on purchases and sales of Institutional Class or Advisor Class shares of the Fund.

Shareholder Fees Caption [Text] rr_ShareholderFeesCaption SHAREHOLDER FEES (fees paid directly from your investment)
Operating Expenses Caption [Text] rr_OperatingExpensesCaption ANNUAL FUND OPERATING EXPENSES (expenses that you pay each year as a percentage of the value of your investment)
Fee Waiver or Reimbursement over Assets, Date of Termination rr_FeeWaiverOrReimbursementOverAssetsDateOfTermination Sep. 30, 2020
Portfolio Turnover [Heading] rr_PortfolioTurnoverHeading Portfolio turnover
Portfolio Turnover [Text Block] rr_PortfolioTurnoverTextBlock

The Fund pays transaction costs, such as commissions, when it buys and sells securities (or “turns over” its portfolio). A higher portfolio turnover rate may indicate higher transaction costs and may result in higher taxes when Fund shares are held in a taxable account. These costs, which are not reflected in annual fund operating expenses or in the example, affect the Fund’s performance. During the fiscal year ended May 31, 2019, the Fund’s portfolio turnover rate was 23% of the average value of its portfolio.

Portfolio Turnover, Rate rr_PortfolioTurnoverRate 23.00%
Expenses Restated to Reflect Current [Text] rr_ExpensesRestatedToReflectCurrent Restated to reflect estimates for the current fiscal year.
Expenses Not Correlated to Ratio Due to Acquired Fund Fees [Text] rr_ExpensesNotCorrelatedToRatioDueToAcquiredFundFees “Acquired Fund fees and expenses” are the Fund’s proportionate amount of the expenses of any investment companies or pools in which it invests (excluding expenses originally incurred by Class W of the Underlying Funds of the Trust that have been incurred directly by the Fund, which are instead reflected in Management fees and Other expenses). These expenses are not paid directly by Fund shareholders. Instead, Fund shareholders bear these expenses indirectly because they reduce Fund performance. Because “Acquired Fund fees and expenses” are included in the chart above, the Fund’s operating expenses here will not correlate with the expenses included in the Financial highlights in this Prospectus and the Fund’s annual report.
Expense Example [Heading] rr_ExpenseExampleHeading Example
Expense Example Narrative [Text Block] rr_ExpenseExampleNarrativeTextBlock

This example is intended to help you compare the cost of investing in shares of the Fund with the cost of investing in other mutual funds. The example assumes that you invest $10,000 in the Fund for the time periods indicated and then redeem all your shares at the end of those periods. The example also assumes that your investment has a 5% return each year and that the Fund’s operating expenses, before fee waivers and/or expense reimbursements, remain the same. The example assumes that the Fund’s fee waiver and/or expense reimbursement arrangements will each remain in place for the durations noted in the table above. Although your actual costs may be higher or lower, based on these assumptions your costs would be:

Strategy [Heading] rr_StrategyHeading Principal investment strategies
Strategy Narrative [Text Block] rr_StrategyNarrativeTextBlock

The Fund is a “fund of funds” that invests in Class W shares of other funds of the Trust and in other investment pools or investment products, potentially including other funds advised by the Fund’s investment adviser, Teachers Advisors, LLC (“Advisors”), or its affiliates (collectively, the “Underlying Funds”). In general, the Fund is designed for investors who have an approximate target retirement year in mind, and the Fund’s investments are adjusted from more aggressive to more conservative over time as the Fund’s target retirement year approaches and for approximately 30 years afterwards. The Fund invests in Underlying Funds according to an asset allocation strategy designed for investors retiring in, or planning to retire within a few years of, 2020 and who may begin taking systematic withdrawals upon retirement.


Advisors currently expects to allocate approximately 45.00% of the Fund’s assets to equity Underlying Funds, 50.00% of its assets to fixed-income Underlying Funds and 5.00% of its assets to direct real estate Underlying Funds. These allocations represent targets for equity, fixed-income and direct real estate asset classes. Target allocations will change over time and actual allocations may vary up to ten percentage points from the targets. The target allocations along the investment glidepath, illustrated in the chart below, gradually become more conservative, moving to target allocations of approximately 45.00% equity/50.00% fixed-income/5.00% direct real estate in the Fund’s target retirement year of 2020 and reaching the Fund’s final target allocation of approximately 20.00% equity/80.00% fixed-income/0.00% direct real estate in 2050. Within the equity, fixed-income and direct real estate asset classes, Advisors allocates the Fund’s investments to particular market sectors (U.S. equity, international equity, fixed-income, short-term fixed-income, inflation-protected assets and direct real estate) represented by various Underlying Funds. These market sector allocations may vary by up to 10% from the Fund’s target market sector allocations. The Fund’s current target market sector allocations for June 30, 2020, which will change over time, are approximately as follows: U.S. Equity: 31.50%; International Equity: 13.50%; Fixed-Income: 38.00%; Short-Term Fixed-Income: 6.00%; Inflation-Protected Assets: 6.00%; and Direct Real Estate: 5.00%. The asset class and market sector names used herein are intended to reflect the primary type of investment of the Underlying Funds within each of these categories.


The Fund’s target market sector allocations to Underlying Funds may include the TIAA-CREF Growth & Income Fund, Large-Cap Growth Fund, Large-Cap Value Fund, Quant Large-Cap Growth Fund, Quant Large-Cap Value Fund, Quant Small-Cap Equity Fund and Quant Small/Mid-Cap Equity Fund (U.S. Equity); Emerging Markets Equity Fund, International Equity Fund, International Opportunities Fund, Quant International Equity Fund and Quant International Small-Cap Equity Fund (International Equity); Bond Fund, Bond Plus Fund, Emerging Markets Debt Fund, High-Yield Fund and International Bond Fund (Fixed-Income); Money Market Fund and Short-Term Bond Fund (Short-Term Fixed-Income); Inflation-Linked Bond Fund (Inflation-Protected Assets); and Real Property Fund LP (Direct Real Estate). TIAA-CREF Real Property Fund LP is a private fund, which is not available for investment by the general public; it is currently offered exclusively to investment pools or investment products managed by Advisors or its affiliates.


Additional or replacement Underlying Funds for each market sector, as well as additional or replacement market sectors, may be included when making future allocations if Advisors believes that such Underlying Funds and/or market sectors are appropriate in light of the Fund’s desired levels of risk and potential return at the particular time. The Fund’s portfolio management team may also add a new market sector if it believes that will help to achieve the Fund’s investment objective. The relative allocations among Underlying Funds within a market sector may be changed at any time without notice to shareholders, and the portfolio management team may use tactical allocation to take advantage of short to intermediate term opportunities through a combination of positions in Underlying Funds. If 10% or more of the Fund’s assets are expected to be invested in any Underlying Fund or market sector not listed above, shareholders will receive prior notice of such change.


The Fund’s asset class allocations, market sector allocations within each asset class, and Underlying Fund allocations within each market sector, as of June 30, 2019, are listed in the chart below. These allocations will change over time. Underlying Fund allocations in particular may change from year to year.


        

Asset Class

Allocation

  

Market Sector

Allocation

 

Underlying Funds

Allocation

Equity

47.90%

 

U.S. Equity

33.60%

 

Ÿ Growth & Income Fund

7.03%

      

Ÿ Large-Cap Growth Fund

6.38%

      

Ÿ Large-Cap Value Fund

6.17%

      

Ÿ Quant Large-Cap Growth Fund

5.55%

      

Ÿ Quant Large-Cap Value Fund

5.40%

      

Ÿ Quant Small-Cap Equity Fund

1.72%

      

Ÿ Quant Small/Mid-Cap Equity Fund

1.35%

   

International Equity

14.30%

 

Ÿ Quant International Equity Fund

3.73%

      

Ÿ International Equity Fund

3.11%

      

Ÿ International Opportunities Fund

3.10%

      

Ÿ Emerging Markets Equity Fund

2.45%

      

Ÿ Quant International Small-Cap Equity Fund

1.91%

Fixed-Income

47.43%

 

Fixed-Income

35.46%

 

Ÿ Bond Fund

18.15%

      

Ÿ Bond Plus Fund

11.86%

      

Ÿ Emerging Markets Debt Fund

1.98%

      

Ÿ International Bond Fund

1.90%

      

Ÿ High-Yield Fund

1.57%

   

Short-Term
Fixed-Income

6.47%

 

Ÿ Short-Term Bond Fund

6.47%

   

Inflation-
Protected Assets

5.50%

 

Ÿ Inflation-Linked Bond Fund

5.50%

Real Estate

4.67%

 

Direct Real Estate

4.67%

 

Ÿ TIAA-CREF Real Property Fund LP

4.67%


        

Total

100.00%

  

100.00%

  

100.00%


The following chart shows how the investment glidepath for the Fund is expected to gradually move the Fund’s target allocations over time between the different target market sector allocations. The actual market sector allocations of the Fund may differ from this chart. The Fund seeks to achieve its final target market sector allocations approximately 30 years following the target date.


Lifecycle Funds Glidepath as of June 30, 2020
Years to Target Retirement Date US Equities International Equities Direct Real Estate Fixed Income Short Term Fixed Income Inflation Protected Bonds
45 66.50% 28.50% 5.00% 0.00% 0.00% 0.00%
40 65.62% 28.13% 5.00% 1.25% 0.00% 0.00%
35 64.75% 27.75% 5.00% 2.50% 0.00% 0.00%
30 63.87% 27.38% 5.00% 3.75% 0.00% 0.00%
25 63.00% 27.00% 5.00% 5.00% 0.00% 0.00%
20 56.70% 24.30% 5.00% 14.00% 0.00% 0.00%
15 50.40% 21.60% 5.00% 23.00% 0.00% 0.00%
10 44.10% 18.90% 5.00% 28.00% 2.00% 2.00%
5 37.80% 16.20% 5.00% 33.00% 4.00% 4.00%
0 31.50% 13.50% 5.00% 38.00% 6.00% 6.00%
-5 28.00% 12.00% 5.00% 39.00% 8.00% 8.00%
-10 24.50% 10.50% 5.00% 40.00% 10.00% 10.00%
-15 22.75% 9.75% 2.50% 40.00% 15.00% 10.00%
-20 21.00% 9.00% 0.00% 40.00% 20.00% 10.00%
-25 17.50% 7.50% 0.00% 40.00% 25.00% 10.00%
-30 14.00% 6.00% 0.00% 40.00% 30.00% 10.00%

The Fund is designed to accommodate investors who invest in a fund up to their target retirement date, and plan to make gradual systematic withdrawals in retirement. In addition, investors should note that the Fund will continue to have a significant level of equity exposure up to, through and after its target retirement date, and this exposure could cause significant fluctuations in the value of the Fund depending on the performance of the equity markets generally.


After the Fund reaches its final target allocation, the Board of Trustees may authorize the merger of the Fund into another Lifecycle Fund which has also reached its final target allocation or other similar fund designed to maintain a relatively stable asset allocation reflecting the resting point on the glidepath described in the chart above. Fund shareholders will receive prior notice of any such merger.

Risk [Heading] rr_RiskHeading Principal investment risks
Risk Narrative [Text Block] rr_RiskNarrativeTextBlock

You could lose money over short or long periods by investing in this Fund. An investment in the Fund, due to the nature of the Fund’s portfolio holdings, typically is subject to the following principal investment risks:


· Asset Allocation Risk—The risk that the Fund may not achieve its target allocations. In addition, there is the risk that the asset allocations may not achieve the desired risk-return characteristic or that the selection of Underlying Funds and the allocations among them will result in the Fund underperforming other similar funds or cause an investor to lose money.


· Underlying Funds Risks—The Fund is exposed to the risks of the Underlying Funds in which it invests in direct proportion to the amount of assets the Fund allocates to each Underlying Fund.


· Equity Underlying Funds Risks—The risks of investing in equity Underlying Funds include risks specific to their investment strategies, as well as risks related to the equity markets in general, such as:


· market risk—The risk that the price of equity investments may decline in response to general market and economic conditions or events, including conditions and developments outside of the financial markets;


· issuer risk—The risk that an issuer’s earnings prospects and overall financial position will deteriorate, causing a decline in the value of the issuer’s financial instruments over short or extended periods of time; and


· foreign investment risk—The increased risks of adverse issuer, political, regulatory, currency, market or economic developments compared to investments in U.S. issuers, which can result in greater market and price volatility.


· Fixed-Income Underlying Funds Risks—The risks of investing in fixed-income Underlying Funds include risks specific to their investment strategies, as well as risks related to the fixed-income markets in general, such as:


· interest rate risk—The risk that the value or yield of fixed-income investments may decline if interest rates change, which could adversely affect a Fund’s income or the value of its holdings;


· extension risk—The risk that during periods of rising interest rates, borrowers may pay off their mortgage loans later than expected, preventing a Fund from reinvesting principal proceeds at higher interest rates and resulting in less income than potentially available;


· issuer risk—The risk that an issuer’s earnings prospects and overall financial position will deteriorate, causing a decline in the value of the issuer’s financial instruments over short or extended periods of time;


· credit risk—The risk that a decline in an issuer’s financial position may prevent it from making principal and interest payments on fixed-income investments held by a Fund when due;


· credit spread risk—The risk that credit spreads (i.e., the difference in yield between securities that is due to differences in each security’s respective credit quality) may increase when market participants believe that bonds generally have a greater risk of default, which could result in a decline in the market values of a Fund’s debt securities;


· income volatility risk—The risk that the level of current income from a Fund’s portfolio of fixed-income securities may decline due to rapid and unpredictable changes in prevailing market interest rates; and


· call risk—The risk that, during periods of falling interest rates, an issuer may call (or repay) a fixed-income security prior to maturity, resulting in a decline in a Fund’s income.


· Direct Real Estate Underlying Funds Risks—The risks of investing in direct real estate Underlying Funds include risks specific to their investment strategies, as well as risks related to investing in real estate in general, such as:


· real estate-related investment risk—The risks associated with exposure to direct real estate through investing in investment vehicles managed by Advisors that will primarily invest directly in real estate, which can include declines in real estate values or revenues, uninsured losses at properties, the absence of regulatory oversight of and a secondary market for interests in direct real estate Underlying Funds, a scarcity of interests issued by direct real estate Underlying Funds, making it difficult for the Fund to achieve its target allocation, and illiquidity of interests in direct real estate Underlying Funds.


· Active Management Risk—The risk that the strategy, investment selection or trading execution of Advisors could cause the Fund or an Underlying Fund to underperform its benchmark index or mutual funds with similar investment objectives.


· Fund of Funds Risk—The ability of the Fund to achieve its investment objective will depend in part upon the ability of the Underlying Funds to achieve their investment objectives. There can be no guarantee that any Underlying Fund will achieve its investment objective.


There can be no assurances that the Fund will achieve its investment objective. You should not consider the Fund to be a complete investment program. Please see the non-summary portion of the Prospectus for more detailed information about the risks described above, including the risks of the Underlying Funds.

Risk Lose Money [Text] rr_RiskLoseMoney You could lose money over short or long periods by investing in this Fund.
Bar Chart and Performance Table [Heading] rr_BarChartAndPerformanceTableHeading Past performance
Performance Narrative [Text Block] rr_PerformanceNarrativeTextBlock

The following chart and table help illustrate some of the risks of investing in the Fund by showing changes in the Fund’s performance from year to year. The bar chart shows the annual total returns of the Retirement Class of the Fund, before taxes, in each full calendar year for the last ten years. Because the expenses vary across share classes, the performance of the Retirement Class may vary from the other share classes. Below the bar chart are the best and worst returns of the Retirement Class for a calendar quarter during the full calendar-year periods covered by the bar chart. The performance table following the bar chart shows the Fund’s average annual total returns for the Retirement, Institutional, Advisor and Premier classes over the applicable one-year, five-year, ten-year and since-inception periods ended December 31, 2018, and how those returns compare to those of a broad-based securities market index and a composite index that represents the market sectors in which the Fund invests across the equity and fixed-income asset classes. After-tax performance is shown only for the Retirement Class shares, and after-tax returns for the other classes of shares will vary from the after-tax returns presented for Retirement Class shares.


The returns shown below reflect previous agreements by Advisors to waive or reimburse the Fund and certain Underlying Funds for certain fees and expenses. Without these waivers and reimbursements, the returns of the Fund would have been lower. Past performance of the Fund (before and after taxes) is not necessarily an indication of how it will perform in the future. The indices listed below are unmanaged, and you cannot invest directly in an index. The returns for the indices reflect no deduction for fees, expenses or taxes.


For current performance information of each share class, including performance to the most recent month-end, please visit www.tiaa.org.

Performance Information Illustrates Variability of Returns [Text] rr_PerformanceInformationIllustratesVariabilityOfReturns The following chart and table help illustrate some of the risks of investing in the Fund by showing changes in the Fund’s performance from year to year.
Performance Additional Market Index [Text] rr_PerformanceAdditionalMarketIndex As of the close of business on December 31, 2018, the Lifecycle 2020 Fund Composite Index consisted of: 36.8% Bloomberg Barclays U.S. Aggregate Bond Index; 36.7% Russell 3000® Index; 15.7% MSCI All Country World Index ex USA Investable Market Index; 5.4% Bloomberg Barclays U.S. 1–3 Year Government/Credit Bond Index; and 5.4% Bloomberg Barclays U.S. Treasury Inflation Protected Securities (TIPS) 1-10 Year Index. The Fund’s composite benchmark, the components that make up a composite benchmark and the method of calculating a composite benchmark’s performance may vary over time.
Performance Availability Website Address [Text] rr_PerformanceAvailabilityWebSiteAddress www.tiaa.org
Performance Past Does Not Indicate Future [Text] rr_PerformancePastDoesNotIndicateFuture Past performance of the Fund (before and after taxes) is not necessarily an indication of how it will perform in the future.
Bar Chart [Heading] rr_BarChartHeading ANNUAL TOTAL RETURNS FOR THE RETIREMENT CLASS SHARES (%)† Lifecycle 2020 Fund
Bar Chart Footnotes [Text Block] rr_BarChartFootnotesTextBlock

 The year-to-date return as of the most recent calendar quarter, which ended on June 30, 2019, was 11.48%.

Bar Chart Closing [Text Block] rr_BarChartClosingTextBlock

Best quarter: 13.85%, for the quarter ended June 30, 2009. Worst quarter: -11.24%, for the quarter ended September 30, 2011.

Year to Date Return, Label rr_YearToDateReturnLabel The year-to-date return as of the most recent calendar quarter, which ended on June 30, 2019, was
Bar Chart, Year to Date Return, Date rr_BarChartYearToDateReturnDate Jun. 30, 2019
Bar Chart, Year to Date Return rr_BarChartYearToDateReturn 11.48%
Highest Quarterly Return, Label rr_HighestQuarterlyReturnLabel Best quarter:
Highest Quarterly Return, Date rr_BarChartHighestQuarterlyReturnDate Jun. 30, 2009
Highest Quarterly Return rr_BarChartHighestQuarterlyReturn 13.85%
Lowest Quarterly Return, Label rr_LowestQuarterlyReturnLabel Worst quarter:
Lowest Quarterly Return, Date rr_BarChartLowestQuarterlyReturnDate Sep. 30, 2011
Lowest Quarterly Return rr_BarChartLowestQuarterlyReturn (11.24%)
Index No Deduction for Fees, Expenses, Taxes [Text] rr_IndexNoDeductionForFeesExpensesTaxes (reflects no deductions for fees, expenses or taxes)
Performance Table Uses Highest Federal Rate rr_PerformanceTableUsesHighestFederalRate After-tax returns are calculated using the historical highest individual federal marginal income tax rates in effect during the periods shown and do not reflect the impact of state and local taxes.
Performance Table Not Relevant to Tax Deferred rr_PerformanceTableNotRelevantToTaxDeferred The after-tax returns shown are not relevant to investors who hold their Fund shares through tax-deferred arrangements such as 401(a), 401(k) or 403(b) plans or Individual Retirement Accounts (IRAs).
Performance Table One Class of after Tax Shown [Text] rr_PerformanceTableOneClassOfAfterTaxShown After-tax performance is shown only for the Retirement Class shares, and after-tax returns for the other classes of shares will vary from the after-tax returns presented for Retirement Class shares.
Performance Table Closing [Text Block] rr_PerformanceTableClosingTextBlock

Current performance of the Fund’s shares may be higher or lower than that shown above.


After-tax returns are calculated using the historical highest individual federal marginal income tax rates in effect during the periods shown and do not reflect the impact of state and local taxes. Actual after-tax returns depend on the investor’s tax situation and may differ from those shown. The after-tax returns shown are not relevant to investors who hold their Fund shares through tax-deferred arrangements such as 401(a), 401(k) or 403(b) plans or Individual Retirement Accounts (IRAs). After-tax returns are shown for only one class, and after-tax returns for other classes will vary.
 

Average Annual Return, Caption rr_AverageAnnualReturnCaption AVERAGE ANNUAL TOTAL RETURNS For the Periods Ended December 31, 2018
TIAA-CREF Lifecycle 2020 Fund | S&P Target Date 2020 Index  
Risk/Return: rr_RiskReturnAbstract  
1 Year rr_AverageAnnualReturnYear01 (4.16%)
5 Years rr_AverageAnnualReturnYear05 4.10%
10 Years rr_AverageAnnualReturnYear10 7.86%
TIAA-CREF Lifecycle 2020 Fund | Lifecycle 2020 Fund Composite Index (reflects no deductions for fees, expenses or taxes)  
Risk/Return: rr_RiskReturnAbstract  
1 Year rr_AverageAnnualReturnYear01 (3.97%) [1]
5 Years rr_AverageAnnualReturnYear05 4.41% [1]
10 Years rr_AverageAnnualReturnYear10 8.37% [1]
TIAA-CREF Lifecycle 2020 Fund | Institutional Class  
Risk/Return: rr_RiskReturnAbstract  
Maximum sales charge imposed on purchases (percentage of offering price) rr_MaximumSalesChargeImposedOnPurchasesOverOfferingPrice none
Maximum deferred sales charge rr_MaximumDeferredSalesChargeOverOfferingPrice none
Maximum sales charge imposed on reinvested dividends and other distributions rr_MaximumSalesChargeOnReinvestedDividendsAndDistributionsOverOther none
Redemption or exchange fee rr_RedemptionFeeOverRedemption none
Maximum account fee rr_MaximumAccountFeeOverAssets none
Management fees rr_ManagementFeesOverAssets 0.44% [2],[3]
Other expenses rr_OtherExpensesOverAssets 0.04% [2],[3]
Acquired Fund fees and expenses rr_AcquiredFundFeesAndExpensesOverAssets 0.03% [4]
Total annual Fund operating expenses rr_ExpensesOverAssets 0.51%
Waivers and expense reimbursements rr_FeeWaiverOrReimbursementOverAssets (0.12%) [5],[6]
Total annual Fund operating expenses after fee waiver and/or expense reimbursement rr_NetExpensesOverAssets 0.39%
Expense Example, with Redemption, 1 Year rr_ExpenseExampleYear01 $ 40
Expense Example, with Redemption, 3 Years rr_ExpenseExampleYear03 130
Expense Example, with Redemption, 5 Years rr_ExpenseExampleYear05 252
Expense Example, with Redemption, 10 Years rr_ExpenseExampleYear10 $ 608
1 Year rr_AverageAnnualReturnYear01 (5.18%)
5 Years rr_AverageAnnualReturnYear05 4.24%
10 Years rr_AverageAnnualReturnYear10 8.66%
Inception Date rr_AverageAnnualReturnInceptionDate Jan. 17, 2007
TIAA-CREF Lifecycle 2020 Fund | Advisor Class  
Risk/Return: rr_RiskReturnAbstract  
Maximum sales charge imposed on purchases (percentage of offering price) rr_MaximumSalesChargeImposedOnPurchasesOverOfferingPrice none
Maximum deferred sales charge rr_MaximumDeferredSalesChargeOverOfferingPrice none
Maximum sales charge imposed on reinvested dividends and other distributions rr_MaximumSalesChargeOnReinvestedDividendsAndDistributionsOverOther none
Redemption or exchange fee rr_RedemptionFeeOverRedemption none
Maximum account fee rr_MaximumAccountFeeOverAssets none
Management fees rr_ManagementFeesOverAssets 0.44% [2],[3]
Other expenses rr_OtherExpensesOverAssets 0.12% [2],[3]
Acquired Fund fees and expenses rr_AcquiredFundFeesAndExpensesOverAssets 0.03% [4]
Total annual Fund operating expenses rr_ExpensesOverAssets 0.59%
Waivers and expense reimbursements rr_FeeWaiverOrReimbursementOverAssets (0.12%) [5],[6]
Total annual Fund operating expenses after fee waiver and/or expense reimbursement rr_NetExpensesOverAssets 0.47%
Expense Example, with Redemption, 1 Year rr_ExpenseExampleYear01 $ 48
Expense Example, with Redemption, 3 Years rr_ExpenseExampleYear03 155
Expense Example, with Redemption, 5 Years rr_ExpenseExampleYear05 296
Expense Example, with Redemption, 10 Years rr_ExpenseExampleYear10 $ 706
1 Year rr_AverageAnnualReturnYear01 (5.15%)
5 Years rr_AverageAnnualReturnYear05 4.11% [7]
10 Years rr_AverageAnnualReturnYear10 8.46% [7]
Inception Date rr_AverageAnnualReturnInceptionDate Dec. 04, 2015
TIAA-CREF Lifecycle 2020 Fund | Premier Class  
Risk/Return: rr_RiskReturnAbstract  
Maximum sales charge imposed on purchases (percentage of offering price) rr_MaximumSalesChargeImposedOnPurchasesOverOfferingPrice none
Maximum deferred sales charge rr_MaximumDeferredSalesChargeOverOfferingPrice none
Maximum sales charge imposed on reinvested dividends and other distributions rr_MaximumSalesChargeOnReinvestedDividendsAndDistributionsOverOther none
Redemption or exchange fee rr_RedemptionFeeOverRedemption none
Maximum account fee rr_MaximumAccountFeeOverAssets none
Management fees rr_ManagementFeesOverAssets 0.44% [2],[3]
Distribution (Rule 12b-1) fees rr_DistributionAndService12b1FeesOverAssets 0.15%
Other expenses rr_OtherExpensesOverAssets 0.04% [2],[3]
Acquired Fund fees and expenses rr_AcquiredFundFeesAndExpensesOverAssets 0.03% [4]
Total annual Fund operating expenses rr_ExpensesOverAssets 0.66%
Waivers and expense reimbursements rr_FeeWaiverOrReimbursementOverAssets (0.12%) [5],[6]
Total annual Fund operating expenses after fee waiver and/or expense reimbursement rr_NetExpensesOverAssets 0.54%
Expense Example, with Redemption, 1 Year rr_ExpenseExampleYear01 $ 55
Expense Example, with Redemption, 3 Years rr_ExpenseExampleYear03 177
Expense Example, with Redemption, 5 Years rr_ExpenseExampleYear05 334
Expense Example, with Redemption, 10 Years rr_ExpenseExampleYear10 $ 791
1 Year rr_AverageAnnualReturnYear01 (5.26%)
5 Years rr_AverageAnnualReturnYear05 4.08%
10 Years rr_AverageAnnualReturnYear10 8.50% [7]
Inception Date rr_AverageAnnualReturnInceptionDate Sep. 30, 2009
TIAA-CREF Lifecycle 2020 Fund | Retirement Class  
Risk/Return: rr_RiskReturnAbstract  
Maximum sales charge imposed on purchases (percentage of offering price) rr_MaximumSalesChargeImposedOnPurchasesOverOfferingPrice none
Maximum deferred sales charge rr_MaximumDeferredSalesChargeOverOfferingPrice none
Maximum sales charge imposed on reinvested dividends and other distributions rr_MaximumSalesChargeOnReinvestedDividendsAndDistributionsOverOther none
Redemption or exchange fee rr_RedemptionFeeOverRedemption none
Maximum account fee rr_MaximumAccountFeeOverAssets none
Management fees rr_ManagementFeesOverAssets 0.44% [2],[3]
Other expenses rr_OtherExpensesOverAssets 0.29% [2],[3]
Acquired Fund fees and expenses rr_AcquiredFundFeesAndExpensesOverAssets 0.03% [4]
Total annual Fund operating expenses rr_ExpensesOverAssets 0.76%
Waivers and expense reimbursements rr_FeeWaiverOrReimbursementOverAssets (0.12%) [5],[6]
Total annual Fund operating expenses after fee waiver and/or expense reimbursement rr_NetExpensesOverAssets 0.64%
Expense Example, with Redemption, 1 Year rr_ExpenseExampleYear01 $ 65
Expense Example, with Redemption, 3 Years rr_ExpenseExampleYear03 209
Expense Example, with Redemption, 5 Years rr_ExpenseExampleYear05 389
Expense Example, with Redemption, 10 Years rr_ExpenseExampleYear10 $ 911
Annual Return 2009 rr_AnnualReturn2009 23.15%
Annual Return 2010 rr_AnnualReturn2010 13.15%
Annual Return 2011 rr_AnnualReturn2011 (0.52%)
Annual Return 2012 rr_AnnualReturn2012 14.28%
Annual Return 2013 rr_AnnualReturn2013 16.30%
Annual Return 2014 rr_AnnualReturn2014 4.52%
Annual Return 2015 rr_AnnualReturn2015 0.17%
Annual Return 2016 rr_AnnualReturn2016 6.45%
Annual Return 2017 rr_AnnualReturn2017 15.21%
Annual Return 2018 rr_AnnualReturn2018 (5.38%)
1 Year rr_AverageAnnualReturnYear01 (5.38%)
5 Years rr_AverageAnnualReturnYear05 3.97%
10 Years rr_AverageAnnualReturnYear10 8.39%
Inception Date rr_AverageAnnualReturnInceptionDate Oct. 15, 2004
TIAA-CREF Lifecycle 2020 Fund | Retirement Class | After Taxes on Distributions  
Risk/Return: rr_RiskReturnAbstract  
1 Year rr_AverageAnnualReturnYear01 (6.97%)
5 Years rr_AverageAnnualReturnYear05 2.35%
10 Years rr_AverageAnnualReturnYear10 7.07%
TIAA-CREF Lifecycle 2020 Fund | Retirement Class | After Taxes on Distributions and Sale of Fund Shares  
Risk/Return: rr_RiskReturnAbstract  
1 Year rr_AverageAnnualReturnYear01 (2.42%)
5 Years rr_AverageAnnualReturnYear05 2.74%
10 Years rr_AverageAnnualReturnYear10 6.53%
[1] As of the close of business on December 31, 2018, the Lifecycle 2020 Fund Composite Index consisted of: 36.8% Bloomberg Barclays U.S. Aggregate Bond Index; 36.7% Russell 3000® Index; 15.7% MSCI All Country World Index ex USA Investable Market Index; 5.4% Bloomberg Barclays U.S. 1-3 Year Government/Credit Bond Index; and 5.4% Bloomberg Barclays U.S. Treasury Inflation Protected Securities (TIPS) 1-10 Year Index. The Fund's composite benchmark, the components that make up a composite benchmark and the method of calculating a composite benchmark's performance may vary over time.
[2] Portions of the Management fees and Other expenses are based on expenses originally incurred by Class W shares of the Underlying Funds (as defined below) of the Trust, which have been incurred directly by the Fund pursuant to certain contractual arrangements intended to reallocate directly to the Fund certain fees and expenses that had been paid by the Underlying Funds of the Trust. For additional information, please see the "Management of the Funds" section of this Prospectus.
[3] Restated to reflect estimates for the current fiscal year.
[4] "Acquired Fund fees and expenses" are the Fund's proportionate amount of the expenses of any investment companies or pools in which it invests (excluding expenses originally incurred by Class W of the Underlying Funds of the Trust that have been incurred directly by the Fund, which are instead reflected in Management fees and Other expenses). These expenses are not paid directly by Fund shareholders. Instead, Fund shareholders bear these expenses indirectly because they reduce Fund performance. Because "Acquired Fund fees and expenses" are included in the chart above, the Fund's operating expenses here will not correlate with the expenses included in the Financial highlights in this Prospectus and the Fund's annual report.
[5] Advisors has contractually agreed to waive 0.10% of the Fund's Management fee. This waiver will remain in effect through September 30, 2022, unless changed with the approval of the Board of Trustees.
[6] Under the Fund's expense reimbursement arrangements, the Fund's investment adviser, Teachers Advisors, LLC ("Advisors"), has contractually agreed to reimburse the Fund for any Total annual Fund operating expenses (excluding interest, taxes, brokerage commissions or other transactional expenses, Acquired Fund fees and expenses, extraordinary expenses and any expenses originally attributable to Class W shares of the Underlying Funds of the Trust that were incurred directly by the Fund) that exceed: (i) 0.00% of average daily net assets for Institutional Class shares; (ii) 0.15% of average daily net assets for Advisor Class shares; (iii) 0.15% of average daily net assets for Premier Class shares; and (iv) 0.25% of average daily net assets for Retirement Class shares of the Fund. These expense reimbursement arrangements will continue through at least September 30, 2020, unless changed with approval of the Board of Trustees.
[7] The performance shown for the Advisor and Premier classes that is prior to their inception dates is based on performance of the Fund's Retirement Class. The performance for these periods has not been restated to reflect the lower expenses of the Advisor and Premier classes.
XML 18 R155.htm IDEA: XBRL DOCUMENT v3.19.3
Label Element Value
TIAA-CREF Lifecycle Index 2050 Fund  
Risk/Return: rr_RiskReturnAbstract  
Risk/Return [Heading] rr_RiskReturnHeading TIAA-CREF Lifecycle Index 2050 Fund
Objective [Heading] rr_ObjectiveHeading Investment objective
Objective, Primary [Text Block] rr_ObjectivePrimaryTextBlock

The Lifecycle Index 2050 Fund seeks high total return over time through a combination of capital appreciation and income.

Expense [Heading] rr_ExpenseHeading Fees and expenses
Expense Narrative [Text Block] rr_ExpenseNarrativeTextBlock

This table describes the fees and expenses that you may pay if you buy and hold shares of the Fund. In addition to the fees and expenses described below, investors may be required to pay a commission to a broker-dealer or other financial intermediary on purchases and sales of Institutional Class or Advisor Class shares of the Fund.

Shareholder Fees Caption [Text] rr_ShareholderFeesCaption SHAREHOLDER FEES (fees paid directly from your investment)
Operating Expenses Caption [Text] rr_OperatingExpensesCaption ANNUAL FUND OPERATING EXPENSES (expenses that you pay each year as a percentage of the value of your investment)
Portfolio Turnover [Heading] rr_PortfolioTurnoverHeading Portfolio turnover
Portfolio Turnover [Text Block] rr_PortfolioTurnoverTextBlock

The Fund pays transaction costs, such as commissions, when it buys and sells securities (or “turns over” its portfolio). A higher portfolio turnover rate may indicate higher transaction costs and may result in higher taxes when Fund shares are held in a taxable account. These costs, which are not reflected in annual fund operating expenses or in the example, affect the Fund’s performance. During the fiscal year ended May 31, 2019, the Fund’s portfolio turnover rate was 5% of the average value of its portfolio.

Portfolio Turnover, Rate rr_PortfolioTurnoverRate 5.00%
Expenses Restated to Reflect Current [Text] rr_ExpensesRestatedToReflectCurrent Restated to reflect estimates for the current fiscal year.
Expense Example [Heading] rr_ExpenseExampleHeading Example
Expense Example Narrative [Text Block] rr_ExpenseExampleNarrativeTextBlock

This example is intended to help you compare the cost of investing in shares of the Fund with the cost of investing in other mutual funds. The example assumes that you invest $10,000 in the Fund for the time periods indicated and then redeem all your shares at the end of those periods. The example also assumes that your investment has a 5% return each year and that the Fund’s operating expenses, before fee waivers and/or expense reimbursements, remain the same. The example assumes that the Fund’s fee waiver and/or expense reimbursement arrangements will each remain in place for the durations noted in the table above. Although your actual costs may be higher or lower, based on these assumptions your costs would be:

Strategy [Heading] rr_StrategyHeading Principal investment strategies
Strategy Narrative [Text Block] rr_StrategyNarrativeTextBlock

The Fund is a “fund of funds” that invests in Class W shares of other funds of the Trust and potentially in other investment pools or investment products, including other funds advised by the Fund’s investment adviser, Teachers Advisors, LLC (“Advisors”), or its affiliates (collectively, the “Underlying Funds”). In general, the Fund is designed for investors who have an approximate target retirement year in mind, and the Fund’s investments are adjusted from more aggressive to more conservative over time as the Fund’s target retirement year approaches and for approximately 30 years afterwards. The Fund invests in Underlying Funds according to an asset allocation strategy designed for investors retiring in, or planning to retire within a few years of, 2050 and who may begin taking systematic withdrawals upon retirement. The Fund has a policy of investing at least 80% of its assets (net assets, plus the amount of any borrowings for investment purposes) in Underlying Funds that are managed to seek investment returns that track particular market indices.


Advisors currently expects to allocate approximately 91.25% of the Fund’s assets to equity Underlying Funds and 8.75% of its assets to fixed-income Underlying Funds. These allocations represent targets for equity and fixed-income asset classes. Target allocations will change over time and actual allocations may vary up to ten percentage points from the targets. The target allocations along the investment glidepath, illustrated in the chart below, gradually become more conservative, moving to target allocations of approximately 50.00% equity/50.00% fixed-income in the Fund’s target retirement year of 2050 and reaching the Fund’s final target allocation of approximately 20.00% equity/80.00% fixed-income in 2080. Within the equity and fixed-income asset classes, Advisors allocates the Fund’s investments to particular market sectors (U.S. equity, international equity, fixed-income, short-term fixed-income and inflation-protected assets) represented by various Underlying Funds. These market sector allocations may vary by up to 10% from the Fund’s target market sector allocations. The Fund’s current target market sector allocations for June 30, 2020, which will change over time, are approximately as follows: U.S. Equity: 63.87%; International Equity: 27.38%; Fixed-Income: 8.75%; Short-Term Fixed-Income: 0.00%; and Inflation-Protected Assets: 0.00%. The asset class and market sector names used herein are intended to reflect the primary type of investment of the Underlying Funds within each of these categories.


The Fund’s target market sector allocations to Underlying Funds may include the TIAA-CREF Equity Index Fund (U.S. Equity); Emerging Markets Equity Index Fund and International Equity Index Fund (International Equity); Bond Index Fund (Fixed-Income); Short-Term Bond Index Fund (Short-Term Fixed-Income); and Inflation-Linked Bond Fund (Inflation-Protected Assets).


Additional or replacement Underlying Funds for each market sector, as well as additional or replacement market sectors, may be included when making future allocations if Advisors believes that such Underlying Funds and/or market sectors are appropriate in light of the Fund’s desired levels of risk and potential return at the particular time. The Fund’s portfolio management team may also add a new market sector if it believes that will help to achieve the Fund’s investment objective. The relative allocations among Underlying Funds within a market sector may be changed at any time without notice to shareholders. If 10% or more of the Fund’s assets are expected to be invested in any Underlying Fund or market sector not listed above, shareholders will receive prior notice of such change.


The Fund’s asset class allocations, market sector allocations within each asset class, and Underlying Fund allocations within each market sector, as of June 30, 2019, are listed in the chart below. These allocations will change over time. Underlying Fund allocations in particular may change from year to year.


        

Asset Class

Allocation

  

Market Sector

Allocation

 

Underlying Funds

Allocation

Equity

91.65%

 

U.S. Equity

64.27%

 

Ÿ Equity Index Fund

64.27%

   

International Equity

27.38%

 

Ÿ International Equity Index Fund

19.63%

      

Ÿ Emerging Markets Equity Index Fund

7.75%

Fixed-Income

8.35%

 

Fixed-Income

8.35%

 

Ÿ Bond Index Fund

8.35%


        

Total

100.00%

  

100.00%

  

100.00%


The following chart shows how the investment glidepath for the Fund is expected to gradually move the Fund’s target allocations over time between the different target market sector allocations. The actual market sector allocations of the Fund may differ from this chart. The Fund seeks to achieve its final target market sector allocations approximately 30 years following the target date.


Lifecycle Index Funds Glidepath as of June 30, 2020
Years to Target Retirement Date US Equities International Equities Fixed Income Short Term Fixed Income Inflation Protected Bonds
45 66.50% 28.50% 5.00% 0.00% 0.00%
40 65.62% 28.13% 6.25% 0.00% 0.00%
35 64.75% 27.75% 7.50% 0.00% 0.00%
30 63.87% 27.38% 8.75% 0.00% 0.00%
25 63.00% 27.00% 10.00% 0.00% 0.00%
20 57.40% 24.60% 18.00% 0.00% 0.00%
15 51.80% 22.20% 26.00% 0.00% 0.00%
10 46.20% 19.80% 30.00% 2.00% 2.00%
5 40.60% 17.40% 34.00% 4.00% 4.00%
0 35.00% 15.00% 38.00% 6.00% 6.00%
-5 31.50% 13.50% 39.00% 8.00% 8.00%
-10 28.00% 12.00% 40.00% 10.00% 10.00%
-15 24.50% 10.50% 40.00% 15.00% 10.00%
-20 21.00% 9.00% 40.00% 20.00% 10.00%
-25 17.50% 7.50% 40.00% 25.00% 10.00%
-30 14.00% 6.00% 40.00% 30.00% 10.00%

The Fund is designed to accommodate investors who invest in a fund up to their target retirement date, and plan to make gradual systematic withdrawals in retirement. In addition, investors should note that the Fund will continue to have a significant level of equity exposure up to, through and after its target retirement date, and this exposure could cause significant fluctuations in the value of the Fund depending on the performance of the equity markets generally.


After the Fund reaches its final target allocation, the Board of Trustees may authorize the merger of the Fund into another Lifecycle Index Fund which has also reached its final target allocation or other similar fund designed to maintain a relatively stable asset allocation reflecting the resting point on the glidepath described in the chart above. Fund shareholders will receive prior notice of any such merger.

Risk [Heading] rr_RiskHeading Principal investment risks
Risk Narrative [Text Block] rr_RiskNarrativeTextBlock

You could lose money over short or long periods by investing in this Fund. An investment in the Fund, due to the nature of the Fund’s portfolio holdings, typically is subject to the following principal investment risks:


· Asset Allocation Risk—The risk that the Fund may not achieve its target allocations. In addition, there is the risk that the asset allocations may not achieve the desired risk-return characteristic or that the selection of Underlying Funds and the allocations among them will result in the Fund underperforming other similar funds or cause an investor to lose money.


· Index Risk—The risk that the Fund’s performance may not correspond to its benchmark index for any period of time and may underperform such index or the overall financial market. Additionally, to the extent that the Fund’s investments vary from the composition of its benchmark index, the Fund’s performance could potentially vary from the index’s performance to a greater extent than if the Fund merely attempted to replicate the index.


· Underlying Funds Risks—The Fund is exposed to the risks of the Underlying Funds in which it invests in direct proportion to the amount of assets the Fund allocates to each Underlying Fund.


· Equity Underlying Funds Risks—The risks of investing in equity Underlying Funds include risks specific to their investment strategies, as well as risks related to the equity markets in general, such as:


· market risk—The risk that the price of equity investments may decline in response to general market and economic conditions or events, including conditions and developments outside of the financial markets;


· issuer risk—The risk that an issuer’s earnings prospects and overall financial position will deteriorate, causing a decline in the value of the issuer’s financial instruments over short or extended periods of time; and


· foreign investment risk—The increased risks of adverse issuer, political, regulatory, currency, market or economic developments compared to investments in U.S. issuers, which can result in greater market and price volatility.


· Fixed-Income Underlying Funds Risks—The risks of investing in fixed-income Underlying Funds include risks specific to their investment strategies, as well as risks related to the fixed-income markets in general, such as:


· interest rate risk—The risk that the value or yield of fixed-income investments may decline if interest rates change, which could adversely affect a Fund’s income or the value of its holdings;


· extension risk—The risk that during periods of rising interest rates, borrowers may pay off their mortgage loans later than expected, preventing a Fund from reinvesting principal proceeds at higher interest rates and resulting in less income than potentially available;


· issuer risk—The risk that an issuer’s earnings prospects and overall financial position will deteriorate, causing a decline in the value of the issuer’s financial instruments over short or extended periods of time;


· credit risk—The risk that a decline in an issuer’s financial position may prevent it from making principal and interest payments on fixed-income investments held by a Fund when due;


· credit spread risk—The risk that credit spreads (i.e., the difference in yield between securities that is due to differences in each security’s respective credit quality) may increase when market participants believe that bonds generally have a greater risk of default, which could result in a decline in the market values of a Fund’s debt securities;


· income volatility risk—The risk that the level of current income from a Fund’s portfolio of fixed-income securities may decline due to rapid and unpredictable changes in prevailing market interest rates; and


· call risk—The risk that, during periods of falling interest rates, an issuer may call (or repay) a fixed-income security prior to maturity, resulting in a decline in a Fund’s income.


· Active Management Risk—The risk that the strategy, investment selection or trading execution of Advisors could cause the Fund or an Underlying Fund to underperform its benchmark index or mutual funds with similar investment objectives.


· Fund of Funds Risk—The ability of the Fund to achieve its investment objective will depend in part upon the ability of the Underlying Funds to achieve their investment objectives. There can be no guarantee that any Underlying Fund will achieve its investment objective.


There can be no assurances that the Fund will achieve its investment objective. You should not consider the Fund to be a complete investment program. Please see the non-summary portion of the Prospectus for more detailed information about the risks described above, including the risks of the Underlying Funds.

Risk Lose Money [Text] rr_RiskLoseMoney You could lose money over short or long periods by investing in this Fund.
Bar Chart and Performance Table [Heading] rr_BarChartAndPerformanceTableHeading Past performance
Performance Narrative [Text Block] rr_PerformanceNarrativeTextBlock

The following chart and table help illustrate some of the risks of investing in the Fund by showing changes in the Fund’s performance from year to year. The bar chart shows the annual total returns of the Retirement Class of the Fund, before taxes, in each full calendar year since inception of the Retirement Class. Because the expenses vary across share classes, the performance of the Retirement Class may vary from the other share classes. Below the bar chart are the best and worst returns of the Retirement Class for a calendar quarter during the full calendar-year periods covered by the bar chart. The performance table following the bar chart shows the Fund’s average annual total returns for the Retirement, Institutional, Advisor and Premier classes over the applicable one-year, five-year, ten-year and since-inception periods ended December 31, 2018, and how those returns compare to those of a broad-based securities market index and a composite index based on the Fund’s target allocations. After-tax performance is shown only for the Retirement Class shares, and after-tax returns for the other classes of shares will vary from the after-tax returns presented for Retirement Class shares.


The returns shown below reflect previous agreements by Advisors to waive or reimburse the Fund and certain Underlying Funds for certain fees and expenses. Without these waivers and reimbursements, the returns of the Fund would have been lower. Past performance of the Fund (before and after taxes) is not necessarily an indication of how it will perform in the future. The indices listed below are unmanaged, and you cannot invest directly in an index. The returns for the indices reflect no deduction for fees, expenses or taxes.


For current performance information of each share class, including performance to the most recent month-end, please visit www.tiaa.org.

Performance Information Illustrates Variability of Returns [Text] rr_PerformanceInformationIllustratesVariabilityOfReturns The following chart and table help illustrate some of the risks of investing in the Fund by showing changes in the Fund’s performance from year to year.
Performance Additional Market Index [Text] rr_PerformanceAdditionalMarketIndex As of the close of business on December 31, 2018, the Lifecycle Index 2050 Fund Composite Index consisted of: 64.1% Russell 3000® Index; 27.5% MSCI EAFE + Emerging Markets Index; and 8.4% Bloomberg Barclays U.S. Aggregate Bond Index. The Fund’s composite benchmark, the components that make up a composite benchmark and the method of calculating a composite benchmark’s performance may vary over time.
Performance Availability Website Address [Text] rr_PerformanceAvailabilityWebSiteAddress www.tiaa.org
Performance Past Does Not Indicate Future [Text] rr_PerformancePastDoesNotIndicateFuture Past performance of the Fund (before and after taxes) is not necessarily an indication of how it will perform in the future.
Bar Chart [Heading] rr_BarChartHeading ANNUAL TOTAL RETURNS FOR THE RETIREMENT CLASS SHARES (%)† Lifecycle Index 2050 Fund
Bar Chart Footnotes [Text Block] rr_BarChartFootnotesTextBlock

 The year-to-date return as of the most recent calendar quarter, which ended on June 30, 2019, was 15.90%.

Bar Chart Closing [Text Block] rr_BarChartClosingTextBlock

Best quarter: 11.85%, for the quarter ended September 30, 2010. Worst quarter: -14.85%, for the quarter ended September 30, 2011.

Year to Date Return, Label rr_YearToDateReturnLabel The year-to-date return as of the most recent calendar quarter, which ended on June 30, 2019, was
Bar Chart, Year to Date Return, Date rr_BarChartYearToDateReturnDate Jun. 30, 2019
Bar Chart, Year to Date Return rr_BarChartYearToDateReturn 15.90%
Highest Quarterly Return, Label rr_HighestQuarterlyReturnLabel Best quarter:
Highest Quarterly Return, Date rr_BarChartHighestQuarterlyReturnDate Sep. 30, 2010
Highest Quarterly Return rr_BarChartHighestQuarterlyReturn 11.85%
Lowest Quarterly Return, Label rr_LowestQuarterlyReturnLabel Worst quarter:
Lowest Quarterly Return, Date rr_BarChartLowestQuarterlyReturnDate Sep. 30, 2011
Lowest Quarterly Return rr_BarChartLowestQuarterlyReturn (14.85%)
Index No Deduction for Fees, Expenses, Taxes [Text] rr_IndexNoDeductionForFeesExpensesTaxes (reflects no deductions for fees, expenses or taxes)
Performance Table Uses Highest Federal Rate rr_PerformanceTableUsesHighestFederalRate After-tax returns are calculated using the historical highest individual federal marginal income tax rates in effect during the periods shown and do not reflect the impact of state and local taxes.
Performance Table Not Relevant to Tax Deferred rr_PerformanceTableNotRelevantToTaxDeferred The after-tax returns shown are not relevant to investors who hold their Fund shares through tax-deferred arrangements such as 401(a), 401(k) or 403(b) plans or Individual Retirement Accounts (IRAs).
Performance Table One Class of after Tax Shown [Text] rr_PerformanceTableOneClassOfAfterTaxShown After-tax performance is shown only for the Retirement Class shares, and after-tax returns for the other classes of shares will vary from the after-tax returns presented for Retirement Class shares.
Performance Table Closing [Text Block] rr_PerformanceTableClosingTextBlock

Current performance of the Fund’s shares may be higher or lower than that shown above.


After-tax returns are calculated using the historical highest individual federal marginal income tax rates in effect during the periods shown and do not reflect the impact of state and local taxes. Actual after-tax returns depend on the investor’s tax situation and may differ from those shown. The after-tax returns shown are not relevant to investors who hold their Fund shares through tax-deferred arrangements such as 401(a), 401(k) or 403(b) plans or Individual Retirement Accounts (IRAs). After-tax returns are shown for only one class, and after-tax returns for other classes will vary.

Average Annual Return, Caption rr_AverageAnnualReturnCaption AVERAGE ANNUAL TOTAL RETURNS For the Periods Ended December 31, 2018
TIAA-CREF Lifecycle Index 2050 Fund | S&P Target Date 2050 Index  
Risk/Return: rr_RiskReturnAbstract  
1 Year rr_AverageAnnualReturnYear01 (7.94%)
5 Years rr_AverageAnnualReturnYear05 5.01%
Since Inception rr_AverageAnnualReturnSinceInception 8.64% [1]
TIAA-CREF Lifecycle Index 2050 Fund | Lifecycle Index 2050 Fund Composite Index (reflects no deductions for fees, expenses or taxes)  
Risk/Return: rr_RiskReturnAbstract  
1 Year rr_AverageAnnualReturnYear01 (7.14%) [2]
5 Years rr_AverageAnnualReturnYear05 5.65% [2]
Since Inception rr_AverageAnnualReturnSinceInception 9.14% [1],[2]
TIAA-CREF Lifecycle Index 2050 Fund | Institutional Class  
Risk/Return: rr_RiskReturnAbstract  
Maximum sales charge imposed on purchases (percentage of offering price) rr_MaximumSalesChargeImposedOnPurchasesOverOfferingPrice none
Maximum deferred sales charge rr_MaximumDeferredSalesChargeOverOfferingPrice none
Maximum sales charge imposed on reinvested dividends and other distributions rr_MaximumSalesChargeOnReinvestedDividendsAndDistributionsOverOther none
Redemption or exchange fee rr_RedemptionFeeOverRedemption none
Maximum account fee rr_MaximumAccountFeeOverAssets none
Management fees rr_ManagementFeesOverAssets 0.15% [3],[4]
Other expenses rr_OtherExpensesOverAssets 0.04% [3],[4]
Total annual Fund operating expenses rr_ExpensesOverAssets 0.19%
Waivers and expense reimbursements rr_FeeWaiverOrReimbursementOverAssets (0.09%) [5],[6]
Total annual Fund operating expenses after fee waiver and/or expense reimbursement rr_NetExpensesOverAssets 0.10%
Expense Example, with Redemption, 1 Year rr_ExpenseExampleYear01 $ 10
Expense Example, with Redemption, 3 Years rr_ExpenseExampleYear03 52
Expense Example, with Redemption, 5 Years rr_ExpenseExampleYear05 98
Expense Example, with Redemption, 10 Years rr_ExpenseExampleYear10 $ 234
1 Year rr_AverageAnnualReturnYear01 (7.01%)
5 Years rr_AverageAnnualReturnYear05 5.59%
Since Inception rr_AverageAnnualReturnSinceInception 9.03%
Inception Date rr_AverageAnnualReturnInceptionDate Sep. 30, 2009
TIAA-CREF Lifecycle Index 2050 Fund | Advisor Class  
Risk/Return: rr_RiskReturnAbstract  
Maximum sales charge imposed on purchases (percentage of offering price) rr_MaximumSalesChargeImposedOnPurchasesOverOfferingPrice none
Maximum deferred sales charge rr_MaximumDeferredSalesChargeOverOfferingPrice none
Maximum sales charge imposed on reinvested dividends and other distributions rr_MaximumSalesChargeOnReinvestedDividendsAndDistributionsOverOther none
Redemption or exchange fee rr_RedemptionFeeOverRedemption none
Maximum account fee rr_MaximumAccountFeeOverAssets none
Management fees rr_ManagementFeesOverAssets 0.15% [3],[4]
Other expenses rr_OtherExpensesOverAssets 0.13% [3],[4]
Total annual Fund operating expenses rr_ExpensesOverAssets 0.28%
Waivers and expense reimbursements rr_FeeWaiverOrReimbursementOverAssets (0.10%) [5],[6]
Total annual Fund operating expenses after fee waiver and/or expense reimbursement rr_NetExpensesOverAssets 0.18%
Expense Example, with Redemption, 1 Year rr_ExpenseExampleYear01 $ 18
Expense Example, with Redemption, 3 Years rr_ExpenseExampleYear03 80
Expense Example, with Redemption, 5 Years rr_ExpenseExampleYear05 147
Expense Example, with Redemption, 10 Years rr_ExpenseExampleYear10 $ 346
1 Year rr_AverageAnnualReturnYear01 (7.05%)
5 Years rr_AverageAnnualReturnYear05 5.45% [7]
Since Inception rr_AverageAnnualReturnSinceInception 8.83% [7]
Inception Date rr_AverageAnnualReturnInceptionDate Dec. 04, 2015
TIAA-CREF Lifecycle Index 2050 Fund | Premier Class  
Risk/Return: rr_RiskReturnAbstract  
Maximum sales charge imposed on purchases (percentage of offering price) rr_MaximumSalesChargeImposedOnPurchasesOverOfferingPrice none
Maximum deferred sales charge rr_MaximumDeferredSalesChargeOverOfferingPrice none
Maximum sales charge imposed on reinvested dividends and other distributions rr_MaximumSalesChargeOnReinvestedDividendsAndDistributionsOverOther none
Redemption or exchange fee rr_RedemptionFeeOverRedemption none
Maximum account fee rr_MaximumAccountFeeOverAssets none
Management fees rr_ManagementFeesOverAssets 0.15% [3],[4]
Distribution (Rule 12b-1) fees rr_DistributionAndService12b1FeesOverAssets 0.15%
Other expenses rr_OtherExpensesOverAssets 0.04% [3],[4]
Total annual Fund operating expenses rr_ExpensesOverAssets 0.34%
Waivers and expense reimbursements rr_FeeWaiverOrReimbursementOverAssets (0.09%) [5],[6]
Total annual Fund operating expenses after fee waiver and/or expense reimbursement rr_NetExpensesOverAssets 0.25%
Expense Example, with Redemption, 1 Year rr_ExpenseExampleYear01 $ 26
Expense Example, with Redemption, 3 Years rr_ExpenseExampleYear03 100
Expense Example, with Redemption, 5 Years rr_ExpenseExampleYear05 182
Expense Example, with Redemption, 10 Years rr_ExpenseExampleYear10 $ 422
1 Year rr_AverageAnnualReturnYear01 (7.13%)
5 Years rr_AverageAnnualReturnYear05 5.43%
Since Inception rr_AverageAnnualReturnSinceInception 8.87%
Inception Date rr_AverageAnnualReturnInceptionDate Sep. 30, 2009
TIAA-CREF Lifecycle Index 2050 Fund | Retirement Class  
Risk/Return: rr_RiskReturnAbstract  
Maximum sales charge imposed on purchases (percentage of offering price) rr_MaximumSalesChargeImposedOnPurchasesOverOfferingPrice none
Maximum deferred sales charge rr_MaximumDeferredSalesChargeOverOfferingPrice none
Maximum sales charge imposed on reinvested dividends and other distributions rr_MaximumSalesChargeOnReinvestedDividendsAndDistributionsOverOther none
Redemption or exchange fee rr_RedemptionFeeOverRedemption none
Maximum account fee rr_MaximumAccountFeeOverAssets none
Management fees rr_ManagementFeesOverAssets 0.15% [3],[4]
Other expenses rr_OtherExpensesOverAssets 0.29% [3],[4]
Total annual Fund operating expenses rr_ExpensesOverAssets 0.44%
Waivers and expense reimbursements rr_FeeWaiverOrReimbursementOverAssets (0.09%) [5],[6]
Total annual Fund operating expenses after fee waiver and/or expense reimbursement rr_NetExpensesOverAssets 0.35%
Expense Example, with Redemption, 1 Year rr_ExpenseExampleYear01 $ 36
Expense Example, with Redemption, 3 Years rr_ExpenseExampleYear03 132
Expense Example, with Redemption, 5 Years rr_ExpenseExampleYear05 237
Expense Example, with Redemption, 10 Years rr_ExpenseExampleYear10 $ 546
Annual Return 2010 rr_AnnualReturn2010 13.51%
Annual Return 2011 rr_AnnualReturn2011 (1.70%)
Annual Return 2012 rr_AnnualReturn2012 15.39%
Annual Return 2013 rr_AnnualReturn2013 24.88%
Annual Return 2014 rr_AnnualReturn2014 6.53%
Annual Return 2015 rr_AnnualReturn2015 (0.91%)
Annual Return 2016 rr_AnnualReturn2016 9.23%
Annual Return 2017 rr_AnnualReturn2017 21.18%
Annual Return 2018 rr_AnnualReturn2018 (7.26%)
1 Year rr_AverageAnnualReturnYear01 (7.26%)
5 Years rr_AverageAnnualReturnYear05 5.32%
Since Inception rr_AverageAnnualReturnSinceInception 8.76%
Inception Date rr_AverageAnnualReturnInceptionDate Sep. 30, 2009
TIAA-CREF Lifecycle Index 2050 Fund | Retirement Class | After Taxes on Distributions  
Risk/Return: rr_RiskReturnAbstract  
1 Year rr_AverageAnnualReturnYear01 (7.80%)
5 Years rr_AverageAnnualReturnYear05 4.72%
Since Inception rr_AverageAnnualReturnSinceInception 8.23%
TIAA-CREF Lifecycle Index 2050 Fund | Retirement Class | After Taxes on Distributions and Sale of Fund Shares  
Risk/Return: rr_RiskReturnAbstract  
1 Year rr_AverageAnnualReturnYear01 (3.95%)
5 Years rr_AverageAnnualReturnYear05 4.06%
Since Inception rr_AverageAnnualReturnSinceInception 7.05%
[1] Performance is calculated from the inception date of the Retirement Class.
[2] As of the close of business on December 31, 2018, the Lifecycle Index 2050 Fund Composite Index consisted of: 64.1% Russell 3000® Index; 27.5% MSCI EAFE + Emerging Markets Index; and 8.4% Bloomberg Barclays U.S. Aggregate Bond Index. The Fund's composite benchmark, the components that make up a composite benchmark and the method of calculating a composite benchmark's performance may vary over time.
[3] Portions of the Management fees and Other expenses are based on expenses originally incurred by Class W shares of the Underlying Funds (as defined below) of the Trust, which have been incurred directly by the Fund pursuant to certain contractual arrangements intended to reallocate directly to the Fund certain fees and expenses that had been paid by the Underlying Funds of the Trust. For additional information, please see the "Management of the Funds" section of this Prospectus.
[4] Restated to reflect estimates for the current fiscal year.
[5] Advisors has contractually agreed to waive 0.061% of the Fund's Management fee. This waiver will remain in effect through September 30, 2020, unless changed with the approval of the Board of Trustees.
[6] Under the Fund's expense reimbursement arrangements, the Fund's investment adviser, Teachers Advisors, LLC ("Advisors"), has contractually agreed to reimburse the Fund for any Total annual Fund operating expenses (excluding interest, taxes, brokerage commissions or other transactional expenses, Acquired Fund fees and expenses, extraordinary expenses and any expenses originally attributable to Class W shares of the Underlying Funds of the Trust that were incurred directly by the Fund) that exceed: (i) 0.039% of average daily net assets for Institutional Class shares; (ii) 0.189% of average daily net assets for Advisor Class shares; (iii) 0.189% of average daily net assets for Premier Class shares; and (iv) 0.289% of average daily net assets for Retirement Class shares of the Fund. These expense reimbursement arrangements will continue through at least September 30, 2020, unless changed with approval of the Board of Trustees.
[7] The performance shown for the Advisor Class that is prior to its inception date is based on performance of the Fund's Retirement Class. The performance for these periods has not been restated to reflect the lower expenses of the Advisor Class.
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TIAA-CREF Lifecycle 2025 Fund
TIAA-CREF Lifecycle 2025 Fund
Investment objective

The Lifecycle 2025 Fund seeks high total return over time through a combination of capital appreciation and income.

Fees and expenses

This table describes the fees and expenses that you may pay if you buy and hold shares of the Fund. In addition to the fees and expenses described below, investors may be required to pay a commission to a broker-dealer or other financial intermediary on purchases and sales of Institutional Class or Advisor Class shares of the Fund.

SHAREHOLDER FEES (fees paid directly from your investment)
Shareholder Fees - TIAA-CREF Lifecycle 2025 Fund
Institutional Class
Advisor Class
Premier Class
Retirement Class
Maximum sales charge imposed on purchases (percentage of offering price) none none none none
Maximum deferred sales charge none none none none
Maximum sales charge imposed on reinvested dividends and other distributions none none none none
Redemption or exchange fee none none none none
Maximum account fee none none none none
ANNUAL FUND OPERATING EXPENSES (expenses that you pay each year as a percentage of the value of your investment)
Annual Fund Operating Expenses - TIAA-CREF Lifecycle 2025 Fund
Institutional Class
Advisor Class
Premier Class
Retirement Class
Management fees [1],[2] 0.45% 0.45% 0.45% 0.45%
Distribution (Rule 12b-1) fees     0.15%  
Other expenses [1],[2] 0.04% 0.12% 0.04% 0.29%
Acquired Fund fees and expenses [3] 0.03% 0.03% 0.03% 0.03%
Total annual Fund operating expenses 0.52% 0.60% 0.67% 0.77%
Waivers and expense reimbursements [4],[5] (0.11%) (0.11%) (0.11%) (0.11%)
Total annual Fund operating expenses after fee waiver and/or expense reimbursement 0.41% 0.49% 0.56% 0.66%
[1] Portions of the Management fees and Other expenses are based on expenses originally incurred by Class W shares of the Underlying Funds (as defined below) of the Trust, which have been incurred directly by the Fund pursuant to certain contractual arrangements intended to reallocate directly to the Fund certain fees and expenses that had been paid by the Underlying Funds of the Trust. For additional information, please see the "Management of the Funds" section of this Prospectus.
[2] Restated to reflect estimates for the current fiscal year.
[3] "Acquired Fund fees and expenses" are the Fund's proportionate amount of the expenses of any investment companies or pools in which it invests (excluding expenses originally incurred by Class W of the Underlying Funds of the Trust that have been incurred directly by the Fund, which are instead reflected in Management fees and Other expenses). These expenses are not paid directly by Fund shareholders. Instead, Fund shareholders bear these expenses indirectly because they reduce Fund performance. Because "Acquired Fund fees and expenses" are included in the chart above, the Fund's operating expenses here will not correlate with the expenses included in the Financial highlights in this Prospectus and the Fund's annual report.
[4] Advisors has contractually agreed to waive 0.10% of the Fund's Management fee. This waiver will remain in effect through September 30, 2022, unless changed with the approval of the Board of Trustees.
[5] Under the Fund's expense reimbursement arrangements, the Fund's investment adviser, Teachers Advisors, LLC ("Advisors"), has contractually agreed to reimburse the Fund for any Total annual Fund operating expenses (excluding interest, taxes, brokerage commissions or other transactional expenses, Acquired Fund fees and expenses, extraordinary expenses and any expenses originally attributable to Class W shares of the Underlying Funds of the Trust that were incurred directly by the Fund) that exceed: (i) 0.00% of average daily net assets for Institutional Class shares; (ii) 0.15% of average daily net assets for Advisor Class shares; (iii) 0.15% of average daily net assets for Premier Class shares; and (iv) 0.25% of average daily net assets for Retirement Class shares of the Fund. These expense reimbursement arrangements will continue through at least September 30, 2020, unless changed with approval of the Board of Trustees.
Example

This example is intended to help you compare the cost of investing in shares of the Fund with the cost of investing in other mutual funds. The example assumes that you invest $10,000 in the Fund for the time periods indicated and then redeem all your shares at the end of those periods. The example also assumes that your investment has a 5% return each year and that the Fund’s operating expenses, before fee waivers and/or expense reimbursements, remain the same. The example assumes that the Fund’s fee waiver and/or expense reimbursement arrangements will each remain in place for the durations noted in the table above. Although your actual costs may be higher or lower, based on these assumptions your costs would be:

Expense Example - TIAA-CREF Lifecycle 2025 Fund - USD ($)
Institutional Class
Advisor Class
Premier Class
Retirement Class
1 year $ 42 $ 50 $ 57 $ 67
3 years 134 159 182 213
5 years 258 302 341 396
10 years $ 621 $ 719 $ 804 $ 924
Portfolio turnover

The Fund pays transaction costs, such as commissions, when it buys and sells securities (or “turns over” its portfolio). A higher portfolio turnover rate may indicate higher transaction costs and may result in higher taxes when Fund shares are held in a taxable account. These costs, which are not reflected in annual fund operating expenses or in the example, affect the Fund’s performance. During the fiscal year ended May 31, 2019, the Fund’s portfolio turnover rate was 20% of the average value of its portfolio.

Principal investment strategies

The Fund is a “fund of funds” that invests in Class W shares of other funds of the Trust and in other investment pools or investment products, potentially including other funds advised by the Fund’s investment adviser, Teachers Advisors, LLC (“Advisors”), or its affiliates (collectively, the “Underlying Funds”). In general, the Fund is designed for investors who have an approximate target retirement year in mind, and the Fund’s investments are adjusted from more aggressive to more conservative over time as the Fund’s target retirement year approaches and for approximately 30 years afterwards. The Fund invests in Underlying Funds according to an asset allocation strategy designed for investors retiring in, or planning to retire within a few years of, 2025 and who may begin taking systematic withdrawals upon retirement.


Advisors currently expects to allocate approximately 54.00% of the Fund’s assets to equity Underlying Funds, 41.00% of its assets to fixed-income Underlying Funds and 5.00% of its assets to direct real estate Underlying Funds. These allocations represent targets for equity, fixed-income and direct real estate asset classes. Target allocations will change over time and actual allocations may vary up to ten percentage points from the targets. The target allocations along the investment glidepath, illustrated in the chart below, gradually become more conservative, moving to target allocations of approximately 45.00% equity/50.00% fixed-income/5.00% direct real estate in the Fund’s target retirement year of 2025 and reaching the Fund’s final target allocation of approximately 20.00% equity/80.00% fixed-income/0.00% direct real estate in 2055. Within the equity, fixed-income and direct real estate asset classes, Advisors allocates the Fund’s investments to particular market sectors (U.S. equity, international equity, fixed-income, short-term fixed-income, inflation-protected assets and direct real estate) represented by various Underlying Funds. These market sector allocations may vary by up to 10% from the Fund’s target market sector allocations. The Fund’s current target market sector allocations for June 30, 2020, which will change over time, are approximately as follows: U.S. Equity: 37.80%; International Equity: 16.20%; Fixed-Income: 33.00%; Short-Term Fixed-Income: 4.00%; Inflation-Protected Assets: 4.00%; and Direct Real Estate: 5.00%. The asset class and market sector names used herein are intended to reflect the primary type of investment of the Underlying Funds within each of these categories.


The Fund’s target market sector allocations to Underlying Funds may include the TIAA-CREF Growth & Income Fund, Large-Cap Growth Fund, Large-Cap Value Fund, Quant Large-Cap Growth Fund, Quant Large-Cap Value Fund, Quant Small-Cap Equity Fund and Quant Small/Mid-Cap Equity Fund (U.S. Equity); Emerging Markets Equity Fund, International Equity Fund, International Opportunities Fund, Quant International Equity Fund and Quant International Small-Cap Equity Fund (International Equity); Bond Fund, Bond Plus Fund, Emerging Markets Debt Fund, High-Yield Fund and International Bond Fund (Fixed-Income); Money Market Fund and Short-Term Bond Fund (Short-Term Fixed-Income); Inflation-Linked Bond Fund (Inflation-Protected Assets); and Real Property Fund LP (Direct Real Estate). TIAA-CREF Real Property Fund LP is a private fund, which is not available for investment by the general public; it is currently offered exclusively investment pools or investment products managed by Advisors or its affiliates.


Additional or replacement Underlying Funds for each market sector, as well as additional or replacement market sectors, may be included when making future allocations if Advisors believes that such Underlying Funds and/or market sectors are appropriate in light of the Fund’s desired levels of risk and potential return at the particular time. The Fund’s portfolio management team may also add a new market sector if it believes that will help to achieve the Fund’s investment objective. The relative allocations among Underlying Funds within a market sector may be changed at any time without notice to shareholders, and the portfolio management team may use tactical allocation to take advantage of short to intermediate term opportunities through a combination of positions in Underlying Funds. If 10% or more of the Fund’s assets are expected to be invested in any Underlying Fund or market sector not listed above, shareholders will receive prior notice of such change.


The Fund’s asset class allocations, market sector allocations within each asset class, and Underlying Fund allocations within each market sector, as of June 30, 2019, are listed in the chart below. These allocations will change over time. Underlying Fund allocations in particular may change from year to year.


        

Asset Class

Allocation

  

Market Sector

Allocation

 

Underlying Funds

Allocation

Equity

56.78%

 

U.S. Equity

39.82%

 

Ÿ Growth & Income Fund

8.34%

      

Ÿ Large-Cap Growth Fund

7.56%

      

Ÿ Large-Cap Value Fund

7.30%

      

Ÿ Quant Large-Cap Growth Fund

6.57%

      

Ÿ Quant Large-Cap Value Fund

6.40%

      

Ÿ Quant Small-Cap Equity Fund

2.05%

      

Ÿ Quant Small/Mid-Cap Equity Fund

1.60%

   

International Equity

16.96%

 

Ÿ Quant International Equity Fund

4.42%

      

Ÿ International Equity Fund

3.69%

      

Ÿ International Opportunities Fund

3.68%

      

Ÿ Emerging Markets Equity Fund

2.91%

      

Ÿ Quant International Small-Cap Equity Fund

2.26%

Fixed-Income

38.57%

 

Fixed-Income

30.54%

 

Ÿ Bond Fund

15.57%

      

Ÿ Bond Plus Fund

10.25%

      

Ÿ Emerging Markets Debt Fund

1.75%

      

Ÿ International Bond Fund

1.65%

      

Ÿ High-Yield Fund

1.32%

   

Short-Term
Fixed-Income

4.51%

 

Ÿ Short-Term Bond Fund

4.51%

   

Inflation-
Protected Assets

3.52%

 

Ÿ Inflation-Linked Bond Fund

3.52%

Real Estate

4.65%

 

Direct Real Estate

4.65%

 

Ÿ TIAA-CREF Real Property Fund LP

4.65%


        

Total

100.00%

  

100.00%

  

100.00%


The following chart shows how the investment glidepath for the Fund is expected to gradually move the Fund’s target allocations over time between the different target market sector allocations. The actual market sector allocations of the Fund may differ from this chart. The Fund seeks to achieve its final target market sector allocations approximately 30 years following the target date.


Lifecycle Funds Glidepath as of June 30, 2020
Years to Target Retirement Date US Equities International Equities Direct Real Estate Fixed Income Short Term Fixed Income Inflation Protected Bonds
45 66.50% 28.50% 5.00% 0.00% 0.00% 0.00%
40 65.62% 28.13% 5.00% 1.25% 0.00% 0.00%
35 64.75% 27.75% 5.00% 2.50% 0.00% 0.00%
30 63.87% 27.38% 5.00% 3.75% 0.00% 0.00%
25 63.00% 27.00% 5.00% 5.00% 0.00% 0.00%
20 56.70% 24.30% 5.00% 14.00% 0.00% 0.00%
15 50.40% 21.60% 5.00% 23.00% 0.00% 0.00%
10 44.10% 18.90% 5.00% 28.00% 2.00% 2.00%
5 37.80% 16.20% 5.00% 33.00% 4.00% 4.00%
0 31.50% 13.50% 5.00% 38.00% 6.00% 6.00%
-5 28.00% 12.00% 5.00% 39.00% 8.00% 8.00%
-10 24.50% 10.50% 5.00% 40.00% 10.00% 10.00%
-15 22.75% 9.75% 2.50% 40.00% 15.00% 10.00%
-20 21.00% 9.00% 0.00% 40.00% 20.00% 10.00%
-25 17.50% 7.50% 0.00% 40.00% 25.00% 10.00%
-30 14.00% 6.00% 0.00% 40.00% 30.00% 10.00%

The Fund is designed to accommodate investors who invest in a fund up to their target retirement date, and plan to make gradual systematic withdrawals in retirement. In addition, investors should note that the Fund will continue to have a significant level of equity exposure up to, through and after its target retirement date, and this exposure could cause significant fluctuations in the value of the Fund depending on the performance of the equity markets generally.


After the Fund reaches its final target allocation, the Board of Trustees may authorize the merger of the Fund into another Lifecycle Fund which has also reached its final target allocation or other similar fund designed to maintain a relatively stable asset allocation reflecting the resting point on the glidepath described in the chart above. Fund shareholders will receive prior notice of any such merger.

Principal investment risks

You could lose money over short or long periods by investing in this Fund. An investment in the Fund, due to the nature of the Fund’s portfolio holdings, typically is subject to the following principal investment risks:


· Asset Allocation Risk—The risk that the Fund may not achieve its target allocations. In addition, there is the risk that the asset allocations may not achieve the desired risk-return characteristic or that the selection of Underlying Funds and the allocations among them will result in the Fund underperforming other similar funds or cause an investor to lose money.


· Underlying Funds Risks—The Fund is exposed to the risks of the Underlying Funds in which it invests in direct proportion to the amount of assets the Fund allocates to each Underlying Fund.


· Equity Underlying Funds Risks—The risks of investing in equity Underlying Funds include risks specific to their investment strategies, as well as risks related to the equity markets in general, such as:


· market risk—The risk that the price of equity investments may decline in response to general market and economic conditions or events, including conditions and developments outside of the financial markets;


· issuer risk—The risk that an issuer’s earnings prospects and overall financial position will deteriorate, causing a decline in the value of the issuer’s financial instruments over short or extended periods of time; and


· foreign investment risk—The increased risks of adverse issuer, political, regulatory, currency, market or economic developments compared to investments in U.S. issuers, which can result in greater market and price volatility.


· Fixed-Income Underlying Funds Risks—The risks of investing in fixed-income Underlying Funds include risks specific to their investment strategies, as well as risks related to the fixed-income markets in general, such as:


· interest rate risk—The risk that the value or yield of fixed-income investments may decline if interest rates change, which could adversely affect a Fund’s income or the value of its holdings;


· extension risk—The risk that during periods of rising interest rates, borrowers may pay off their mortgage loans later than expected, preventing a Fund from reinvesting principal proceeds at higher interest rates and resulting in less income than potentially available;


· issuer risk—The risk that an issuer’s earnings prospects and overall financial position will deteriorate, causing a decline in the value of the issuer’s financial instruments over short or extended periods of time;


· credit risk—The risk that a decline in an issuer’s financial position may prevent it from making principal and interest payments on fixed-income investments held by a Fund when due;


· credit spread risk—The risk that credit spreads (i.e., the difference in yield between securities that is due to differences in each security’s respective credit quality) may increase when market participants believe that bonds generally have a greater risk of default, which could result in a decline in the market values of a Fund’s debt securities;


· income volatility risk—The risk that the level of current income from a Fund’s portfolio of fixed-income securities may decline due to rapid and unpredictable changes in prevailing market interest rates; and


· call risk—The risk that, during periods of falling interest rates, an issuer may call (or repay) a fixed-income security prior to maturity, resulting in a decline in a Fund’s income.


· Direct Real Estate Underlying Funds Risks—The risks of investing in direct real estate Underlying Funds include risks specific to their investment strategies, as well as risks related to investing in real estate in general, such as:


· real estate-related investment risk—The risks associated with exposure to direct real estate through investing in investment vehicles managed by Advisors that will primarily invest directly in real estate, which can include declines in real estate values or revenues, uninsured losses at properties, the absence of regulatory oversight of and a secondary market for interests in direct real estate Underlying Funds, a scarcity of interests issued by direct real estate Underlying Funds, making it difficult for the Fund to achieve its target allocation, and illiquidity of interests in direct real estate Underlying Funds.


· Active Management Risk—The risk that the strategy, investment selection or trading execution of Advisors could cause the Fund or an Underlying Fund to underperform its benchmark index or mutual funds with similar investment objectives.


· Fund of Funds Risk—The ability of the Fund to achieve its investment objective will depend in part upon the ability of the Underlying Funds to achieve their investment objectives. There can be no guarantee that any Underlying Fund will achieve its investment objective.


There can be no assurances that the Fund will achieve its investment objective. You should not consider the Fund to be a complete investment program. Please see the non-summary portion of the Prospectus for more detailed information about the risks described above, including the risks of the Underlying Funds.

Past performance

The following chart and table help illustrate some of the risks of investing in the Fund by showing changes in the Fund’s performance from year to year. The bar chart shows the annual total returns of the Retirement Class of the Fund, before taxes, in each full calendar year for the last ten years. Because the expenses vary across share classes, the performance of the Retirement Class may vary from the other share classes. Below the bar chart are the best and worst returns of the Retirement Class for a calendar quarter during the full calendar-year periods covered by the bar chart. The performance table following the bar chart shows the Fund’s average annual total returns for the Retirement, Institutional, Advisor and Premier classes over the applicable one-year, five-year, ten-year and since-inception periods ended December 31, 2018, and how those returns compare to those of a broad-based securities market index and a composite index that represents the market sectors in which the Fund invests across the equity and fixed-income asset classes. After-tax performance is shown only for the Retirement Class shares, and after-tax returns for the other classes of shares will vary from the after-tax returns presented for Retirement Class shares.


The returns shown below reflect previous agreements by Advisors to waive or reimburse the Fund and certain Underlying Funds for certain fees and expenses. Without these waivers and reimbursements, the returns of the Fund would have been lower. Past performance of the Fund (before and after taxes) is not necessarily an indication of how it will perform in the future. The indices listed below are unmanaged, and you cannot invest directly in an index. The returns for the indices reflect no deduction for fees, expenses or taxes.


For current performance information of each share class, including performance to the most recent month-end, please visit www.tiaa.org.

ANNUAL TOTAL RETURNS FOR THE RETIREMENT CLASS SHARES (%)† Lifecycle 2025 Fund
Bar Chart

 The year-to-date return as of the most recent calendar quarter, which ended on June 30, 2019, was 12.56%.

Best quarter: 15.33%, for the quarter ended June 30, 2009. Worst quarter: -12.93%, for the quarter ended September 30, 2011.

AVERAGE ANNUAL TOTAL RETURNS For the Periods Ended December 31, 2018
Average Annual Returns - TIAA-CREF Lifecycle 2025 Fund
1 Year
5 Years
10 Years
Inception Date
Retirement Class (6.35%) 4.14% 8.95% Oct. 15, 2004
Institutional Class (6.05%) 4.43% 9.23% Jan. 17, 2007
Advisor Class (6.19%) 4.27% [1] 9.01% [1] Dec. 04, 2015
Premier Class (6.23%) 4.27% 9.04% [1] Sep. 30, 2009
After Taxes on Distributions | Retirement Class (7.87%) 2.56% 7.66%  
After Taxes on Distributions and Sale of Fund Shares | Retirement Class (2.97%) 2.90% 7.03%  
S&P Target Date 2025 Index (5.02%) 4.31% 8.46%  
Lifecycle 2025 Fund Composite Index (reflects no deductions for fees, expenses or taxes) [2] (4.66%) 4.71% 9.00%  
[1] The performance shown for the Advisor and Premier classes that is prior to their inception dates is based on performance of the Fund's Retirement Class. The performance for these periods has not been restated to reflect the lower expenses of the Advisor and Premier classes.
[2] As of the close of business on December 31, 2018, the Lifecycle 2025 Fund Composite Index consisted of: 42.3% Russell 3000® Index; 32.8% Bloomberg Barclays U.S. Aggregate Bond Index; 18.1% MSCI All Country World Index ex USA Investable Market Index; 3.4% Bloomberg Barclays U.S. 1-3 Year Government/Credit Bond Index; and 3.4% Bloomberg Barclays U.S. Treasury Inflation Protected Securities (TIPS) 1-10 Year Index. The Fund's composite benchmark, the components that make up a composite benchmark and the method of calculating a composite benchmark's performance may vary over time.

Current performance of the Fund’s shares may be higher or lower than that shown above.


After-tax returns are calculated using the historical highest individual federal marginal income tax rates in effect during the periods shown and do not reflect the impact of state and local taxes. Actual after-tax returns depend on the investor’s tax situation and may differ from those shown. The after-tax returns shown are not relevant to investors who hold their Fund shares through tax-deferred arrangements such as 401(a), 401(k) or 403(b) plans or Individual Retirement Accounts (IRAs). After-tax returns are shown for only one class, and after-tax returns for other classes will vary.
 

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TIAA-CREF Lifecycle Index 2060 Fund
TIAA-CREF Lifecycle Index 2060 Fund
Investment objective

The Lifecycle Index 2060 Fund seeks high total return over time through a combination of capital appreciation and income.

Fees and expenses

This table describes the fees and expenses that you may pay if you buy and hold shares of the Fund. In addition to the fees and expenses described below, investors may be required to pay a commission to a broker-dealer or other financial intermediary on purchases and sales of Institutional Class or Advisor Class shares of the Fund.

SHAREHOLDER FEES (fees paid directly from your investment)
Shareholder Fees - TIAA-CREF Lifecycle Index 2060 Fund
Institutional Class
Advisor Class
Premier Class
Retirement Class
Maximum sales charge imposed on purchases (percentage of offering price) none none none none
Maximum deferred sales charge none none none none
Maximum sales charge imposed on reinvested dividends and other distributions none none none none
Redemption or exchange fee none none none none
Maximum account fee none none none none
ANNUAL FUND OPERATING EXPENSES (expenses that you pay each year as a percentage of the value of your investment)
Annual Fund Operating Expenses - TIAA-CREF Lifecycle Index 2060 Fund
Institutional Class
Advisor Class
Premier Class
Retirement Class
Management fees [1],[2] 0.15% 0.15% 0.15% 0.15%
Distribution (Rule 12b-1) fees     0.15%  
Other expenses [1],[2] 0.18% 0.26% 0.18% 0.43%
Total annual Fund operating expenses 0.33% 0.41% 0.48% 0.58%
Waivers and expense reimbursements [3],[4] (0.23%) (0.23%) (0.23%) (0.23%)
Total annual Fund operating expenses after fee waiver and/or expense reimbursement 0.10% 0.18% 0.25% 0.35%
[1] Portions of the Management fees and Other expenses are based on expenses originally incurred by Class W shares of the Underlying Funds (as defined below) of the Trust, which have been incurred directly by the Fund pursuant to certain contractual arrangements intended to reallocate directly to the Fund certain fees and expenses that had been paid by the Underlying Funds of the Trust. For additional information, please see the "Management of the Funds" section of this Prospectus.
[2] Restated to reflect estimates for the current fiscal year.
[3] Advisors has contractually agreed to waive 0.06% of the Fund's Management fee. This waiver will remain in effect through September 30, 2020, unless changed with the approval of the Board of Trustees.
[4] Under the Fund's expense reimbursement arrangements, the Fund's investment adviser, Teachers Advisors, LLC ("Advisors"), has contractually agreed to reimburse the Fund for any Total annual Fund operating expenses (excluding interest, taxes, brokerage commissions or other transactional expenses, Acquired Fund fees and expenses, extraordinary expenses and any expenses originally attributable to Class W shares of the Underlying Funds of the Trust that were incurred directly by the Fund) that exceed: (i) 0.04% of average daily net assets for Institutional Class shares; (ii) 0.19% of average daily net assets for Advisor Class shares; (iii) 0.19% of average daily net assets for Premier Class shares; and (iv) 0.29% of average daily net assets for Retirement Class shares of the Fund. These expense reimbursement arrangements will continue through at least September 30, 2020, unless changed with approval of the Board of Trustees.
Example

This example is intended to help you compare the cost of investing in shares of the Fund with the cost of investing in other mutual funds. The example assumes that you invest $10,000 in the Fund for the time periods indicated and then redeem all your shares at the end of those periods. The example also assumes that your investment has a 5% return each year and that the Fund’s operating expenses, before fee waivers and/or expense reimbursements, remain the same. The example assumes that the Fund’s fee waiver and/or expense reimbursement arrangements will each remain in place for the durations noted in the table above. Although your actual costs may be higher or lower, based on these assumptions your costs would be:

Expense Example - TIAA-CREF Lifecycle Index 2060 Fund - USD ($)
Institutional Class
Advisor Class
Premier Class
Retirement Class
1 year $ 10 $ 18 $ 26 $ 36
3 years 83 108 131 163
5 years 162 207 246 301
10 years $ 396 $ 495 $ 581 $ 704
Portfolio turnover

The Fund pays transaction costs, such as commissions, when it buys and sells securities (or “turns over” its portfolio). A higher portfolio turnover rate may indicate higher transaction costs and may result in higher taxes when Fund shares are held in a taxable account. These costs, which are not reflected in annual fund operating expenses or in the example, affect the Fund’s performance. During the fiscal year ended May 31, 2019, the Fund’s portfolio turnover rate was 28% of the average value of its portfolio.

Principal investment strategies

The Fund is a “fund of funds” that invests in Class W shares of other funds of the Trust and potentially in other investment pools or investment products, including other funds advised by the Fund’s investment adviser, Teachers Advisors, LLC (“Advisors”), or its affiliates (collectively, the “Underlying Funds”). In general, the Fund is designed for investors who have an approximate target retirement year in mind, and the Fund’s investments are adjusted from more aggressive to more conservative over time as the Fund’s target retirement year approaches and for approximately 30 years afterwards. The Fund invests in Underlying Funds according to an asset allocation strategy designed for investors retiring in, or planning to retire within a few years of, 2060 and who may begin taking systematic withdrawals upon retirement. The Fund has a policy of investing at least 80% of its assets (net assets, plus the amount of any borrowings for investment purposes) in Underlying Funds that are managed to seek investment returns that track particular market indices.


Advisors currently expects to allocate approximately 93.75% of the Fund’s assets to equity Underlying Funds and 6.25% of its assets to fixed-income Underlying Funds. These allocations represent targets for equity and fixed-income asset classes. Target allocations will change over time and actual allocations may vary up to ten percentage points from the targets. The target allocations along the investment glidepath, illustrated in the chart below, gradually become more conservative, moving to target allocations of approximately 50.00% equity/50.00% fixed-income in the Fund’s target retirement year of 2060 and reaching the Fund’s final target allocation of approximately 20.00% equity/80.00% fixed-income in 2090. Within the equity and fixed-income asset classes, Advisors allocates the Fund’s investments to particular market sectors (U.S. equity, international equity, fixed-income, short-term fixed-income and inflation-protected assets) represented by various Underlying Funds. These market sector allocations may vary by up to 10% from the Fund’s target market sector allocations. The Fund’s current target market sector allocations for June 30, 2020, which will change over time, are approximately as follows: U.S. Equity: 65.62%; International Equity: 28.13%; Fixed-Income: 6.25%; Short-Term Fixed-Income: 0.00%; and Inflation-Protected Assets: 0.00%. The asset class and market sector names used herein are intended to reflect the primary type of investment of the Underlying Funds within each of these categories.


The Fund’s target market sector allocations to Underlying Funds may include the TIAA-CREF Equity Index Fund (U.S. Equity); Emerging Markets Equity Index Fund and International Equity Index Fund (International Equity); Bond Index Fund (Fixed-Income); Short-Term Bond Index Fund (Short-Term Fixed-Income); and Inflation-Linked Bond Fund (Inflation-Protected Assets).


Additional or replacement Underlying Funds for each market sector, as well as additional or replacement market sectors, may be included when making future allocations if Advisors believes that such Underlying Funds and/or market sectors are appropriate in light of the Fund’s desired levels of risk and potential return at the particular time. The Fund’s portfolio management team may also add a new market sector if it believes that will help to achieve the Fund’s investment objective. The relative allocations among Underlying Funds within a market sector may be changed at any time without notice to shareholders. If 10% or more of the Fund’s assets are expected to be invested in any Underlying Fund or market sector not listed above, shareholders will receive prior notice of such change.


The Fund’s asset class allocations, market sector allocations within each asset class, and Underlying Fund allocations within each market sector, for June 30, 2019, are listed in the chart below. These allocations will change over time. Underlying Fund allocations in particular may change from year to year.


        

Asset Class

Allocation

  

Market Sector

Allocation

 

Underlying Funds

Allocation

Equity

94.13%

 

U.S. Equity

66.01%

 

Ÿ Equity Index Fund

66.01%

   

International Equity

28.12%

 

Ÿ International Equity Index Fund

20.16%

      

Ÿ Emerging Markets Equity Index Fund

7.96%

Fixed-Income

5.87%

 

Fixed-Income

5.87%

 

Ÿ Bond Index Fund

5.87%


        

Total

100.00%

  

100.00%

  

100.00%


The following chart shows how the investment glidepath for the Fund is expected to gradually move the Fund’s target allocations over time between the different target market sector allocations. The actual market sector allocations of the Fund may differ from this chart. The Fund seeks to achieve its final target market sector allocations approximately 30 years following the target date.


Lifecycle Index Funds Glidepath as of June 30, 2020
Years to Target Retirement Date US Equities International Equities Fixed Income Short Term Fixed Income Inflation Protected Bonds
45 66.50% 28.50% 5.00% 0.00% 0.00%
40 65.62% 28.13% 6.25% 0.00% 0.00%
35 64.75% 27.75% 7.50% 0.00% 0.00%
30 63.87% 27.38% 8.75% 0.00% 0.00%
25 63.00% 27.00% 10.00% 0.00% 0.00%
20 57.40% 24.60% 18.00% 0.00% 0.00%
15 51.80% 22.20% 26.00% 0.00% 0.00%
10 46.20% 19.80% 30.00% 2.00% 2.00%
5 40.60% 17.40% 34.00% 4.00% 4.00%
0 35.00% 15.00% 38.00% 6.00% 6.00%
-5 31.50% 13.50% 39.00% 8.00% 8.00%
-10 28.00% 12.00% 40.00% 10.00% 10.00%
-15 24.50% 10.50% 40.00% 15.00% 10.00%
-20 21.00% 9.00% 40.00% 20.00% 10.00%
-25 17.50% 7.50% 40.00% 25.00% 10.00%
-30 14.00% 6.00% 40.00% 30.00% 10.00%

The Fund is designed to accommodate investors who invest in a fund up to their target retirement date, and plan to make gradual systematic withdrawals in retirement. In addition, investors should note that the Fund will continue to have a significant level of equity exposure up to, through and after its target retirement date, and this exposure could cause significant fluctuations in the value of the Fund depending on the performance of the equity markets generally.


After the Fund reaches its final target allocation, the Board of Trustees may authorize the merger of the Fund into another Lifecycle Index Fund which has also reached its final target allocation or other similar fund designed to maintain a relatively stable asset allocation reflecting the resting point on the glidepath described in the chart above. Fund shareholders will receive prior notice of any such merger.

Principal investment risks

You could lose money over short or long periods by investing in this Fund. An investment in the Fund, due to the nature of the Fund’s portfolio holdings, typically is subject to the following principal investment risks:


· Asset Allocation Risk—The risk that the Fund may not achieve its target allocations. In addition, there is the risk that the asset allocations may not achieve the desired risk-return characteristic or that the selection of Underlying Funds and the allocations among them will result in the Fund underperforming other similar funds or cause an investor to lose money.


· Index Risk—The risk that the Fund’s performance may not correspond to its benchmark index for any period of time and may underperform such index or the overall financial market. Additionally, to the extent that the Fund’s investments vary from the composition of its benchmark index, the Fund’s performance could potentially vary from the index’s performance to a greater extent than if the Fund merely attempted to replicate the index.


· Underlying Funds Risks—The Fund is exposed to the risks of the Underlying Funds in which it invests in direct proportion to the amount of assets the Fund allocates to each Underlying Fund.


· Equity Underlying Funds Risks—The risks of investing in equity Underlying Funds include risks specific to their investment strategies, as well as risks related to the equity markets in general, such as:


· market risk—The risk that the price of equity investments may decline in response to general market and economic conditions or events, including conditions and developments outside of the financial markets;


· issuer risk—The risk that an issuer’s earnings prospects and overall financial position will deteriorate, causing a decline in the value of the issuer’s financial instruments over short or extended periods of time; and


· foreign investment risk—The increased risks of adverse issuer, political, regulatory, currency, market or economic developments compared to investments in U.S. issuers, which can result in greater market and price volatility.


· Fixed-Income Underlying Funds Risks—The risks of investing in fixed-income Underlying Funds include risks specific to their investment strategies, as well as risks related to the fixed-income markets in general, such as:


· interest rate risk—The risk that the value or yield of fixed-income investments may decline if interest rates change, which could adversely affect a Fund’s income or the value of its holdings;


· extension risk—The risk that during periods of rising interest rates, borrowers may pay off their mortgage loans later than expected, preventing a Fund from reinvesting principal proceeds at higher interest rates and resulting in less income than potentially available;


· issuer risk—The risk that an issuer’s earnings prospects and overall financial position will deteriorate, causing a decline in the value of the issuer’s financial instruments over short or extended periods of time;


· credit risk—The risk that a decline in an issuer’s financial position may prevent it from making principal and interest payments on fixed-income investments held by a Fund when due;


· credit spread risk—The risk that credit spreads (i.e., the difference in yield between securities that is due to differences in each security’s respective credit quality) may increase when market participants believe that bonds generally have a greater risk of default, which could result in a decline in the market values of a Fund’s debt securities;


· income volatility risk—The risk that the level of current income from a Fund’s portfolio of fixed-income securities may decline due to rapid and unpredictable changes in prevailing market interest rates; and


· call risk—The risk that, during periods of falling interest rates, an issuer may call (or repay) a fixed-income security prior to maturity, resulting in a decline in a Fund’s income.


· Active Management Risk—The risk that the strategy, investment selection or trading execution of Advisors could cause the Fund or an Underlying Fund to underperform its benchmark index or mutual funds with similar investment objectives.


· Fund of Funds Risk—The ability of the Fund to achieve its investment objective will depend in part upon the ability of the Underlying Funds to achieve their investment objectives. There can be no guarantee that any Underlying Fund will achieve its investment objective.


There can be no assurances that the Fund will achieve its investment objective. You should not consider the Fund to be a complete investment program. Please see the non-summary portion of the Prospectus for more detailed information about the risks described above, including the risks of the Underlying Funds.

Past performance

The following chart and table help illustrate some of the risks of investing in the Fund by showing changes in the Fund’s performance from year to year. The bar chart shows the annual total returns of the Retirement Class of the Fund, before taxes, in each full calendar year since inception of the Retirement Class. Because the expenses vary across share classes, the performance of the Retirement Class may vary from the other share classes. Below the bar chart are the best and worst returns of the Retirement Class for a calendar quarter during the full calendar-year periods covered by the bar chart. The performance table following the bar chart shows the Fund’s average annual total returns for the Retirement, Institutional, Advisor and Premier classes over the applicable one-year, five-year, ten-year and since-inception periods ended December 31, 2018, and how those returns compare to those of a broad-based securities market index and a composite index based on the Fund’s target allocations. After-tax performance is shown only for the Retirement Class shares, and after-tax returns for the other classes of shares will vary from the after-tax returns presented for Retirement Class shares.


The returns shown below reflect previous agreements by Advisors to waive or reimburse the Fund and certain Underlying Funds for certain fees and expenses. Without these waivers and reimbursements, the returns of the Fund would have been lower. Past performance of the Fund (before and after taxes) is not necessarily an indication of how it will perform in the future. The indices listed below are unmanaged, and you cannot invest directly in an index. The returns for the indices reflect no deduction for fees, expenses or taxes.


For current performance information of each share class, including performance to the most recent month-end, please visit www.tiaa.org.

ANNUAL TOTAL RETURNS FOR THE RETIREMENT CLASS SHARES (%)† Lifecycle Index 2060 Fund
Bar Chart

 The year-to-date return as of the most recent calendar quarter, which ended on June 30, 2019, was 16.05%.

Best quarter: 6.23%, for the quarter ended March 31, 2017. Worst quarter: -12.40%, for the quarter ended December 31, 2018.

AVERAGE ANNUAL TOTAL RETURNS For the Periods Ended December 31, 2018
Average Annual Returns - TIAA-CREF Lifecycle Index 2060 Fund
1 Year
Since Inception
Inception Date
Retirement Class (7.33%) 5.20% Sep. 26, 2014
Institutional Class (7.13%) 5.45% Sep. 26, 2014
Advisor Class (7.16%) 5.36% [1] Dec. 04, 2015
Premier Class (7.26%) 5.31% Sep. 26, 2014
After Taxes on Distributions | Retirement Class (7.91%) 4.48%  
After Taxes on Distributions and Sale of Fund Shares | Retirement Class (3.97%) 3.93%  
S&P Target Date 2060+ Index (7.95%) 4.99% [2]  
Lifecycle Index 2060 Fund Composite Index (reflects no deductions for fees, expenses or taxes) [3] (7.35%) 5.51% [2]  
[1] The performance shown for the Advisor Class that is prior to its inception date is based on performance of the Fund's Retirement Class. The performance for these periods has not been restated to reflect the lower expenses of the Advisor Class.
[2] Performance is calculated from the inception date of the Retirement Class.
[3] As of the close of business on December 31, 2018, the Lifecycle Index 2060 Fund Composite Index consisted of: 65.9% Russell 3000® Index; 28.2% MSCI EAFE + Emerging Markets Index; and 5.9% Bloomberg Barclays U.S. Aggregate Bond Index. The Fund's composite benchmark, the components that make up a composite benchmark and the method of calculating a composite benchmark's performance may vary over time.

Current performance of the Fund’s shares may be higher or lower than that shown above.


After-tax returns are calculated using the historical highest individual federal marginal income tax rates in effect during the periods shown and do not reflect the impact of state and local taxes. Actual after-tax returns depend on the investor’s tax situation and may differ from those shown. The after-tax returns shown are not relevant to investors who hold their Fund shares through tax-deferred arrangements such as 401(a), 401(k) or 403(b) plans or Individual Retirement Accounts (IRAs). After-tax returns are shown for only one class, and after-tax returns for other classes will vary.

XML 26 R197.htm IDEA: XBRL DOCUMENT v3.19.3
Label Element Value
TIAA-CREF Lifestyle Growth Fund  
Risk/Return: rr_RiskReturnAbstract  
Risk/Return [Heading] rr_RiskReturnHeading TIAA-CREF Lifestyle Growth Fund
Objective [Heading] rr_ObjectiveHeading Investment objective
Objective, Primary [Text Block] rr_ObjectivePrimaryTextBlock

The Fund seeks long-term growth of capital with some current income.

Expense [Heading] rr_ExpenseHeading Fees and expenses
Expense Narrative [Text Block] rr_ExpenseNarrativeTextBlock

This table describes the fees and expenses that you may pay if you buy and hold shares of the Fund. In addition to the fees and expenses described below, investors may be required to pay a commission to a broker-dealer or other financial intermediary on purchases and sales of Institutional Class or Advisor Class shares of the Fund.

Shareholder Fees Caption [Text] rr_ShareholderFeesCaption SHAREHOLDER FEES (fees paid directly from your investment)
Operating Expenses Caption [Text] rr_OperatingExpensesCaption ANNUAL FUND OPERATING EXPENSES (expenses that you pay each year as a percentage of the value of your investment)
Portfolio Turnover [Heading] rr_PortfolioTurnoverHeading Portfolio turnover
Portfolio Turnover [Text Block] rr_PortfolioTurnoverTextBlock

The Fund pays transaction costs, such as commissions, when it buys and sells securities (or “turns over” its portfolio). A higher portfolio turnover rate may indicate higher transaction costs and may result in higher taxes when Fund shares are held in a taxable account. These costs, which are not reflected in annual fund operating expenses or in the example, affect the Fund’s performance. During the fiscal year ended May 31, 2019, the Fund’s portfolio turnover rate was 29% of the average value of its portfolio.

Portfolio Turnover, Rate rr_PortfolioTurnoverRate 29.00%
Expense Example [Heading] rr_ExpenseExampleHeading Example
Expense Example Narrative [Text Block] rr_ExpenseExampleNarrativeTextBlock

This example is intended to help you compare the cost of investing in shares of the Fund with the cost of investing in other mutual funds. The example assumes that you invest $10,000 in the Fund for the time periods indicated and then redeem all your shares at the end of those periods. The example also assumes that your investment has a 5% return each year and that the Fund’s operating expenses, before fee waivers and/or expense reimbursements, remain the same. The example assumes that the Fund’s fee waiver and/or expense reimbursement arrangements will each remain in place for the duration noted in the table above. Although your actual costs may be higher or lower, based on these assumptions your costs would be:

Strategy [Heading] rr_StrategyHeading Principal investment strategies
Strategy Narrative [Text Block] rr_StrategyNarrativeTextBlock

The Fund is a “fund of funds” that invests in Institutional Class shares of other funds of the Trust and potentially in other investment pools or investment products, including other funds advised by the Fund’s investment adviser, Teachers Advisors, LLC (“Advisors”), or its affiliates (collectively, the “Underlying Funds”). The Fund is designed for investors seeking long-term growth of capital with some current income through a relatively stable asset allocation strategy targeting a growth-oriented risk-return profile. Advisors generally seeks to meet the Fund’s investment objective by investing: (1) approximately 80% of the Fund’s assets in equity Underlying Funds and (2) approximately 20% of the Fund’s assets in fixed-income Underlying Funds. The Fund may deviate from these target allocations by up to ten percentage points depending upon current market conditions and outlook.


The Underlying Funds’ allocation targets generally represent targets for investments in equity and fixed-income asset classes. Within the equity and fixed-income asset classes, Advisors allocates the Fund’s investments to particular market sectors (which may include U.S. equity, international equity, fixed-income and short-term fixed-income) represented by various Underlying Funds. To maintain an appropriate allocation among the Underlying Funds, the portfolio managers monitor the domestic and foreign equity markets, as well as overall financial and economic conditions. The Fund may sometimes be more heavily weighted toward equities or fixed-income than the target allocations, if the portfolio managers believe market conditions warrant. For example, the Fund may increase its holdings in fixed-income Underlying Funds in periods when the portfolio managers believe the equity markets will decline. The market sector allocations and Underlying Fund allocations may also be changed over time by the portfolio managers, including the addition and removal of market sectors and Underlying Funds in which the Fund invests in light of the Fund’s desired level of risk and potential return at a particular time as evaluated by the portfolio managers based on a mix of qualitative and quantitative factors. The portfolio managers may also opportunistically purchase other Funds or other investment pools or investment products, based on the portfolio managers’ evaluation of the market sectors and/or Underlying Funds without prior notice to shareholders. If 10% or more of the Fund’s assets are expected to be invested in any Underlying Fund, market sector or asset class not listed in the chart below, shareholders will receive prior notice of such change.


As a result of its investments in the Underlying Funds, the Fund’s returns will reflect investments in a mix of domestic and foreign equities of companies of various sizes and a variety of domestic and foreign fixed-income instruments of private and governmental issuers of varying maturities and credit qualities.


As part of the Fund’s ability to invest in unaffiliated investment products or pools noted above, the Fund may invest in exchange-traded funds (“ETFs”) and exchange-traded notes (“ETNs”) to gain exposure to various market sectors or securities in order to effect its asset allocation strategy. Additionally, the Fund may use ETFs and ETNs for cash management, hedging or defensive purposes. ETFs and ETNs will be subject to the risks associated with the types of securities or sectors that they track, while ETNs, which are structured as fixed-income obligations, will also be subject to the general risks of fixed-income securities, including credit risk.


The Fund’s asset class allocations, market sector allocations within each asset class, and Underlying Fund allocations within each market sector as of June 30, 2019, are listed in the chart below. These allocations may change over time. Underlying Fund allocations in particular may change from year to year.


        

Asset Class

Allocation

  

Market Sector

Allocation

 

Underlying Funds

Allocation

Equity

80.45%

 

U.S. Equity

57.42%

 

Ÿ Large-Cap Growth Fund

14.26%

      

Ÿ Large-Cap Value Fund

13.80%

      

Ÿ Growth & Income Fund

12.62%

      

Ÿ Quant Large-Cap Growth Fund

7.32%

      

Ÿ Quant Large-Cap Value Fund

4.17%

      

Ÿ Quant Small-Cap Equity Fund

2.83%

      

Ÿ Quant Small/Mid-Cap Equity Fund

2.42%

   

International Equity

23.03%

 

Ÿ International Equity Fund

6.26%

      

Ÿ International Opportunities Fund

5.20%

      

Ÿ Quant International Equity Fund

4.26%

      

Ÿ Emerging Markets Equity Fund

4.11%

      

Ÿ Quant International Small-Cap Equity Fund

3.20%

Fixed-Income

19.55%

 

Fixed-Income

19.55%

 

Ÿ Bond Plus Fund

19.55%


        

Total

100.00%

  

100.00%

  

100.00%

Risk [Heading] rr_RiskHeading Principal investment risks
Risk Narrative [Text Block] rr_RiskNarrativeTextBlock

You could lose money over short or long periods by investing in this Fund. An investment in the Fund, due to the nature of the Fund’s portfolio holdings, typically is subject to the following principal investment risks:


· Asset Allocation Risk—The risk that the Fund may not achieve its target allocations. In addition, there is the risk that the asset allocations may not achieve the desired risk-return characteristic or that the selection of Underlying Funds and the allocations among them will result in the Fund underperforming other similar funds or cause an investor to lose money.


· Underlying Funds Risks—The Fund is exposed to the risks of the Underlying Funds in which it invests in direct proportion to the amount of assets the Fund allocates to each Underlying Fund. Because the Fund targets its investments in a higher percentage of equity Underlying Funds, Equity Underlying Funds Risks are expected to predominate.


· Equity Underlying Funds Risks—The risks of investing in equity Underlying Funds include risks specific to their investment strategies, as well as risks related to the equity markets in general, such as:


· market risk—The risk that the price of equity investments may decline in response to general market and economic conditions or events, including conditions and developments outside of the financial markets;


· issuer risk—The risk that an issuer’s earnings prospects and overall financial position will deteriorate, causing a decline in the value of the issuer’s financial instruments over short or extended periods of time; and


· foreign investment risk—The increased risks of adverse issuer, political, regulatory, currency, market or economic developments compared to investments in U.S. issuers, which can result in greater market and price volatility.


· Fixed-Income Underlying Funds Risks—The risks of investing in fixed-income Underlying Funds include risks specific to their investment strategies, as well as risks related to the fixed-income markets in general, such as:


· interest rate risk—The risk that the value or yield of fixed-income investments may decline if interest rates change, which could adversely affect a Fund’s income or the value of its holdings;


· extension risk—The risk that during periods of rising interest rates, borrowers may pay off their mortgage loans later than expected, preventing a Fund from reinvesting principal proceeds at higher interest rates and resulting in less income than potentially available;


· issuer risk—The risk that an issuer’s earnings prospects and overall financial position will deteriorate, causing a decline in the value of the issuer’s financial instruments over short or extended periods of time;


· credit risk—The risk that a decline in an issuer’s financial position may prevent it from making principal and interest payments on fixed-income investments held by a Fund when due;


· credit spread risk—The risk that credit spreads (i.e., the difference in yield between securities that is due to differences in each security’s respective credit quality) may increase when market participants believe that bonds generally have a greater risk of default, which could result in a decline in the market values of a Fund’s debt securities;


· income volatility risk—The risk that the level of current income from a Fund’s portfolio of fixed-income securities may decline due to rapid and unpredictable changes in prevailing market interest rates; and


· call risk—The risk that, during periods of falling interest rates, an issuer may call (or repay) a fixed-income security prior to maturity, resulting in a decline in a Fund’s income.


· Active Management Risk—The risk that the strategy, investment selection or trading execution of Advisors could cause the Fund or an Underlying Fund to underperform its benchmark index or mutual funds with similar investment objectives.


· Fund of Funds Risk—The ability of the Fund to achieve its investment objective will depend in part upon the ability of the Underlying Funds to achieve their investment objectives. There can be no guarantee that any Underlying Fund will achieve its investment objective.


There can be no assurances that the Fund will achieve its investment objective. You should not consider the Fund to be a complete investment program. Please see the non-summary portion of the Prospectus for more detailed information about the risks described above, including the risks of the Underlying Funds.

Risk Lose Money [Text] rr_RiskLoseMoney You could lose money over short or long periods by investing in this Fund.
Bar Chart and Performance Table [Heading] rr_BarChartAndPerformanceTableHeading Past performance
Performance Narrative [Text Block] rr_PerformanceNarrativeTextBlock

The following chart and table help illustrate some of the risks of investing in the Fund by showing changes in the Fund’s performance from year to year. The bar chart shows the annual total returns of the Institutional Class of the Fund, before taxes, in each full calendar year since inception of the Institutional Class. Because the expenses vary across share classes, the performance of the Institutional Class may vary from the other share classes. Below the bar chart are the best and worst returns of the Institutional Class for a calendar quarter during the full calendar-year periods covered by the bar chart. The performance table following the bar chart shows the Fund’s average annual total returns for the Institutional, Advisor, Premier, Retirement and Retail classes over the applicable one-year, five-year, ten-year and since-inception periods ended December 31, 2018, and how those returns compare to those of a broad-based securities market index and a composite index based on the Fund’s target allocations. After-tax performance is shown only for the Institutional Class shares, and after-tax returns for the other classes of shares will vary from the after-tax returns presented for Institutional Class shares.


The returns shown below reflect previous agreements by Advisors to waive or reimburse the Fund and certain Underlying Funds for certain fees and expenses. Without these waivers and reimbursements, the returns of the Fund would have been lower. Past performance of the Fund (before and after taxes) is not necessarily an indication of how it will perform in the future. The indices listed below are unmanaged, and you cannot invest directly in an index. The returns for the indices reflect no deduction for fees, expenses or taxes.


For current performance information of each share class, including performance to the most recent month-end, please visit www.tiaa.org.

Performance Information Illustrates Variability of Returns [Text] rr_PerformanceInformationIllustratesVariabilityOfReturns The following chart and table help illustrate some of the risks of investing in the Fund by showing changes in the Fund’s performance from year to year.
Performance Additional Market Index [Text] rr_PerformanceAdditionalMarketIndex As of the close of business on December 31, 2018, the Lifestyle Growth Fund Composite Index consisted of: 56.0% Russell 3000® Index; 24.0% MSCI All Country World Index ex USA Investable Market Index; and 20.0% Bloomberg Barclays U.S. Aggregate Bond Index. The Fund’s composite benchmark, the components that make up a composite benchmark and the method of calculating a composite benchmark’s performance may vary over time
Performance Availability Website Address [Text] rr_PerformanceAvailabilityWebSiteAddress www.tiaa.org
Performance Past Does Not Indicate Future [Text] rr_PerformancePastDoesNotIndicateFuture Past performance of the Fund (before and after taxes) is not necessarily an indication of how it will perform in the future.
Bar Chart [Heading] rr_BarChartHeading ANNUAL TOTAL RETURNS FOR THE INSTITUTIONAL CLASS SHARES (%)† Lifestyle Growth Fund
Bar Chart Footnotes [Text Block] rr_BarChartFootnotesTextBlock

 The year-to-date return as of the most recent calendar quarter, which ended on June 30, 2019, was 15.52%.

Bar Chart Closing [Text Block] rr_BarChartClosingTextBlock

Best quarter: 11.87%, for the quarter ended March 31, 2012. Worst quarter: -12.86%, for the quarter ended December 31, 2018.

Year to Date Return, Label rr_YearToDateReturnLabel The year-to-date return as of the most recent calendar quarter, which ended on June 30, 2019, was
Bar Chart, Year to Date Return, Date rr_BarChartYearToDateReturnDate Jun. 30, 2019
Bar Chart, Year to Date Return rr_BarChartYearToDateReturn 15.52%
Highest Quarterly Return, Label rr_HighestQuarterlyReturnLabel Best quarter:
Highest Quarterly Return, Date rr_BarChartHighestQuarterlyReturnDate Mar. 31, 2012
Highest Quarterly Return rr_BarChartHighestQuarterlyReturn 11.87%
Lowest Quarterly Return, Label rr_LowestQuarterlyReturnLabel Worst quarter:
Lowest Quarterly Return, Date rr_BarChartLowestQuarterlyReturnDate Dec. 31, 2018
Lowest Quarterly Return rr_BarChartLowestQuarterlyReturn (12.86%)
Index No Deduction for Fees, Expenses, Taxes [Text] rr_IndexNoDeductionForFeesExpensesTaxes (reflects no deductions for fees, expenses or taxes)
Performance Table Uses Highest Federal Rate rr_PerformanceTableUsesHighestFederalRate After-tax returns are calculated using the historical highest individual federal marginal income tax rates in effect during the periods shown and do not reflect the impact of state and local taxes.
Performance Table Not Relevant to Tax Deferred rr_PerformanceTableNotRelevantToTaxDeferred The after-tax returns shown are not relevant to investors who hold their Fund shares through tax-deferred arrangements such as 401(a), 401(k) or 403(b) plans or Individual Retirement Accounts (IRAs).
Performance Table One Class of after Tax Shown [Text] rr_PerformanceTableOneClassOfAfterTaxShown After-tax performance is shown only for the Institutional Class shares, and after-tax returns for the other classes of shares will vary from the after-tax returns presented for Institutional Class shares.
Performance Table Closing [Text Block] rr_PerformanceTableClosingTextBlock

Current performance of the Fund’s shares may be higher or lower than that shown above.


After-tax returns are calculated using the historical highest individual federal marginal income tax rates in effect during the periods shown and do not reflect the impact of state and local taxes. Actual after-tax returns depend on the investor’s tax situation and may differ from those shown. The after-tax returns shown are not relevant to investors who hold their Fund shares through tax-deferred arrangements such as 401(a), 401(k) or 403(b) plans or Individual Retirement Accounts (IRAs). After-tax returns are shown for only one class, and after-tax returns for other classes will vary.

Average Annual Return, Caption rr_AverageAnnualReturnCaption AVERAGE ANNUAL TOTAL RETURNS For the Periods Ended December 31, 2018
TIAA-CREF Lifestyle Growth Fund | Morningstar Moderately Aggressive Target Risk Index (reflects no deductions for fees, expenses or taxes)  
Risk/Return: rr_RiskReturnAbstract  
1 Year rr_AverageAnnualReturnYear01 (6.74%)
5 Years rr_AverageAnnualReturnYear05 4.60%
Since Inception rr_AverageAnnualReturnSinceInception 7.97% [1]
TIAA-CREF Lifestyle Growth Fund | Lifestyle Growth Fund Composite Index (reflects no deductions for fees, expenses or taxes)  
Risk/Return: rr_RiskReturnAbstract  
1 Year rr_AverageAnnualReturnYear01 (6.38%) [2]
5 Years rr_AverageAnnualReturnYear05 5.20% [2]
Since Inception rr_AverageAnnualReturnSinceInception 8.55% [1],[2]
TIAA-CREF Lifestyle Growth Fund | Institutional Class  
Risk/Return: rr_RiskReturnAbstract  
Maximum sales charge imposed on purchases (percentage of offering price) rr_MaximumSalesChargeImposedOnPurchasesOverOfferingPrice none
Maximum deferred sales charge rr_MaximumDeferredSalesChargeOverOfferingPrice none
Maximum sales charge imposed on reinvested dividends and other distributions rr_MaximumSalesChargeOnReinvestedDividendsAndDistributionsOverOther none
Redemption or exchange fee rr_RedemptionFeeOverRedemption none
Account maintenance fee (annual fee on accounts under $2,000) rr_ShareholderFeeOther none
Management fees rr_ManagementFeesOverAssets 0.10%
Other expenses rr_OtherExpensesOverAssets 0.13%
Acquired Fund fees and expenses rr_AcquiredFundFeesAndExpensesOverAssets 0.43% [3]
Total annual Fund operating expenses rr_ExpensesOverAssets 0.66%
Waivers and expense reimbursements rr_FeeWaiverOrReimbursementOverAssets (0.13%) [4]
Total annual Fund operating expenses after fee waiver and/or expense reimbursement rr_NetExpensesOverAssets 0.53%
Expense Example, with Redemption, 1 Year rr_ExpenseExampleYear01 $ 54
Expense Example, with Redemption, 3 Years rr_ExpenseExampleYear03 198
Expense Example, with Redemption, 5 Years rr_ExpenseExampleYear05 355
Expense Example, with Redemption, 10 Years rr_ExpenseExampleYear10 $ 810
Annual Return 2012 rr_AnnualReturn2012 17.26%
Annual Return 2013 rr_AnnualReturn2013 23.06%
Annual Return 2014 rr_AnnualReturn2014 4.73%
Annual Return 2015 rr_AnnualReturn2015 0.34%
Annual Return 2016 rr_AnnualReturn2016 7.22%
Annual Return 2017 rr_AnnualReturn2017 21.38%
Annual Return 2018 rr_AnnualReturn2018 (9.22%)
1 Year rr_AverageAnnualReturnYear01 (9.22%)
5 Years rr_AverageAnnualReturnYear05 4.42%
Since Inception rr_AverageAnnualReturnSinceInception 8.52%
Inception Date rr_AverageAnnualReturnInceptionDate Dec. 09, 2011
TIAA-CREF Lifestyle Growth Fund | Institutional Class | After Taxes on Distributions  
Risk/Return: rr_RiskReturnAbstract  
1 Year rr_AverageAnnualReturnYear01 (10.40%)
5 Years rr_AverageAnnualReturnYear05 3.20%
Since Inception rr_AverageAnnualReturnSinceInception 7.33%
TIAA-CREF Lifestyle Growth Fund | Institutional Class | After Taxes on Distributions and Sale of Fund Shares  
Risk/Return: rr_RiskReturnAbstract  
1 Year rr_AverageAnnualReturnYear01 (4.77%)
5 Years rr_AverageAnnualReturnYear05 3.21%
Since Inception rr_AverageAnnualReturnSinceInception 6.56%
TIAA-CREF Lifestyle Growth Fund | Advisor Class  
Risk/Return: rr_RiskReturnAbstract  
Maximum sales charge imposed on purchases (percentage of offering price) rr_MaximumSalesChargeImposedOnPurchasesOverOfferingPrice none
Maximum deferred sales charge rr_MaximumDeferredSalesChargeOverOfferingPrice none
Maximum sales charge imposed on reinvested dividends and other distributions rr_MaximumSalesChargeOnReinvestedDividendsAndDistributionsOverOther none
Redemption or exchange fee rr_RedemptionFeeOverRedemption none
Account maintenance fee (annual fee on accounts under $2,000) rr_ShareholderFeeOther none
Management fees rr_ManagementFeesOverAssets 0.10%
Other expenses rr_OtherExpensesOverAssets 0.21% [5]
Acquired Fund fees and expenses rr_AcquiredFundFeesAndExpensesOverAssets 0.43% [3]
Total annual Fund operating expenses rr_ExpensesOverAssets 0.74%
Waivers and expense reimbursements rr_FeeWaiverOrReimbursementOverAssets (0.13%) [4]
Total annual Fund operating expenses after fee waiver and/or expense reimbursement rr_NetExpensesOverAssets 0.63%
Expense Example, with Redemption, 1 Year rr_ExpenseExampleYear01 $ 64
Expense Example, with Redemption, 3 Years rr_ExpenseExampleYear03 226
Expense Example, with Redemption, 5 Years rr_ExpenseExampleYear05 401
Expense Example, with Redemption, 10 Years rr_ExpenseExampleYear10 $ 908
1 Year rr_AverageAnnualReturnYear01 (9.21%)
5 Years rr_AverageAnnualReturnYear05 4.39% [6]
Since Inception rr_AverageAnnualReturnSinceInception 8.50% [6]
Inception Date rr_AverageAnnualReturnInceptionDate Dec. 04, 2015
TIAA-CREF Lifestyle Growth Fund | Premier Class  
Risk/Return: rr_RiskReturnAbstract  
Maximum sales charge imposed on purchases (percentage of offering price) rr_MaximumSalesChargeImposedOnPurchasesOverOfferingPrice none
Maximum deferred sales charge rr_MaximumDeferredSalesChargeOverOfferingPrice none
Maximum sales charge imposed on reinvested dividends and other distributions rr_MaximumSalesChargeOnReinvestedDividendsAndDistributionsOverOther none
Redemption or exchange fee rr_RedemptionFeeOverRedemption none
Account maintenance fee (annual fee on accounts under $2,000) rr_ShareholderFeeOther none
Management fees rr_ManagementFeesOverAssets 0.10%
Distribution (Rule 12b-1) fees rr_DistributionAndService12b1FeesOverAssets 0.15%
Other expenses rr_OtherExpensesOverAssets 0.13%
Acquired Fund fees and expenses rr_AcquiredFundFeesAndExpensesOverAssets 0.43% [3]
Total annual Fund operating expenses rr_ExpensesOverAssets 0.81%
Waivers and expense reimbursements rr_FeeWaiverOrReimbursementOverAssets (0.13%) [4]
Total annual Fund operating expenses after fee waiver and/or expense reimbursement rr_NetExpensesOverAssets 0.68%
Expense Example, with Redemption, 1 Year rr_ExpenseExampleYear01 $ 69
Expense Example, with Redemption, 3 Years rr_ExpenseExampleYear03 246
Expense Example, with Redemption, 5 Years rr_ExpenseExampleYear05 437
Expense Example, with Redemption, 10 Years rr_ExpenseExampleYear10 $ 990
1 Year rr_AverageAnnualReturnYear01 (9.30%)
5 Years rr_AverageAnnualReturnYear05 4.25%
Since Inception rr_AverageAnnualReturnSinceInception 8.35%
Inception Date rr_AverageAnnualReturnInceptionDate Dec. 09, 2011
TIAA-CREF Lifestyle Growth Fund | Retirement Class  
Risk/Return: rr_RiskReturnAbstract  
Maximum sales charge imposed on purchases (percentage of offering price) rr_MaximumSalesChargeImposedOnPurchasesOverOfferingPrice none
Maximum deferred sales charge rr_MaximumDeferredSalesChargeOverOfferingPrice none
Maximum sales charge imposed on reinvested dividends and other distributions rr_MaximumSalesChargeOnReinvestedDividendsAndDistributionsOverOther none
Redemption or exchange fee rr_RedemptionFeeOverRedemption none
Account maintenance fee (annual fee on accounts under $2,000) rr_ShareholderFeeOther none
Management fees rr_ManagementFeesOverAssets 0.10%
Other expenses rr_OtherExpensesOverAssets 0.37%
Acquired Fund fees and expenses rr_AcquiredFundFeesAndExpensesOverAssets 0.43% [3]
Total annual Fund operating expenses rr_ExpensesOverAssets 0.90%
Waivers and expense reimbursements rr_FeeWaiverOrReimbursementOverAssets (0.12%) [4]
Total annual Fund operating expenses after fee waiver and/or expense reimbursement rr_NetExpensesOverAssets 0.78%
Expense Example, with Redemption, 1 Year rr_ExpenseExampleYear01 $ 80
Expense Example, with Redemption, 3 Years rr_ExpenseExampleYear03 275
Expense Example, with Redemption, 5 Years rr_ExpenseExampleYear05 487
Expense Example, with Redemption, 10 Years rr_ExpenseExampleYear10 $ 1,097
1 Year rr_AverageAnnualReturnYear01 (9.42%)
5 Years rr_AverageAnnualReturnYear05 4.15%
Since Inception rr_AverageAnnualReturnSinceInception 8.25%
Inception Date rr_AverageAnnualReturnInceptionDate Dec. 09, 2011
TIAA-CREF Lifestyle Growth Fund | Retail Class  
Risk/Return: rr_RiskReturnAbstract  
Maximum sales charge imposed on purchases (percentage of offering price) rr_MaximumSalesChargeImposedOnPurchasesOverOfferingPrice none
Maximum deferred sales charge rr_MaximumDeferredSalesChargeOverOfferingPrice none
Maximum sales charge imposed on reinvested dividends and other distributions rr_MaximumSalesChargeOnReinvestedDividendsAndDistributionsOverOther none
Redemption or exchange fee rr_RedemptionFeeOverRedemption none
Account maintenance fee (annual fee on accounts under $2,000) rr_ShareholderFeeOther $ 15.00
Management fees rr_ManagementFeesOverAssets 0.10%
Distribution (Rule 12b-1) fees rr_DistributionAndService12b1FeesOverAssets 0.25%
Other expenses rr_OtherExpensesOverAssets 0.15%
Acquired Fund fees and expenses rr_AcquiredFundFeesAndExpensesOverAssets 0.43% [3]
Total annual Fund operating expenses rr_ExpensesOverAssets 0.93%
Waivers and expense reimbursements rr_FeeWaiverOrReimbursementOverAssets (0.12%) [4]
Total annual Fund operating expenses after fee waiver and/or expense reimbursement rr_NetExpensesOverAssets 0.81%
Expense Example, with Redemption, 1 Year rr_ExpenseExampleYear01 $ 83
Expense Example, with Redemption, 3 Years rr_ExpenseExampleYear03 284
Expense Example, with Redemption, 5 Years rr_ExpenseExampleYear05 503
Expense Example, with Redemption, 10 Years rr_ExpenseExampleYear10 $ 1,132
1 Year rr_AverageAnnualReturnYear01 (9.47%)
5 Years rr_AverageAnnualReturnYear05 4.11%
Since Inception rr_AverageAnnualReturnSinceInception 8.20%
Inception Date rr_AverageAnnualReturnInceptionDate Dec. 09, 2011
[1] Performance is calculated from the inception date of the Institutional Class.
[2] As of the close of business on December 31, 2018, the Lifestyle Growth Fund Composite Index consisted of: 56.0% Russell 3000® Index; 24.0% MSCI All Country World Index ex USA Investable Market Index; and 20.0% Bloomberg Barclays U.S. Aggregate Bond Index. The Fund's composite benchmark, the components that make up a composite benchmark and the method of calculating a composite benchmark's performance may vary over time.
[3] "Acquired Fund fees and expenses" are the Fund's proportionate amount of the expenses of any investment companies or pools in which it invests. These expenses are not paid directly by Fund shareholders. Instead, Fund shareholders bear these expenses indirectly because they reduce Fund performance. Because "Acquired Fund fees and expenses" are included in the chart above, the Fund's operating expenses here will not correlate with the expenses included in the Financial highlights in this Prospectus and the Fund's annual report.
[4] Under the Fund's expense reimbursement arrangements, the Fund's investment adviser, Teachers Advisors, LLC ("Advisors"), has contractually agreed to reimburse the Fund for any Total annual Fund operating expenses (excluding interest, taxes, brokerage commissions or other transactional expenses, Acquired Fund fees and expenses and extraordinary expenses) that exceed: (i) 0.10% of average daily net assets for Institutional Class shares; (ii) 0.25% of average daily net assets for Advisor Class shares; (iii) 0.25% of average daily net assets for Premier Class shares; (iv) 0.35% of average daily net assets for Retirement Class shares; and (v) 0.49% of average daily net assets for Retail Class shares of the Fund. These expense reimbursement arrangements will continue through at least September 30, 2020, unless changed with approval of the Board of Trustees.
[5] Restated to reflect estimate for the current fiscal year.
[6] The performance shown for the Advisor Class that is prior to its inception date is based on performance of the Fund's Institutional Class. The performance for these periods has not been restated to reflect higher expenses of the Advisor Class. If those expenses had been reflected, the performance would have been lower.
XML 27 R148.htm IDEA: XBRL DOCUMENT v3.19.3
Label Element Value
TIAA-CREF Lifecycle Index 2045 Fund  
Risk/Return: rr_RiskReturnAbstract  
Risk/Return [Heading] rr_RiskReturnHeading TIAA-CREF Lifecycle Index 2045 Fund
Objective [Heading] rr_ObjectiveHeading Investment objective
Objective, Primary [Text Block] rr_ObjectivePrimaryTextBlock

The Lifecycle Index 2045 Fund seeks high total return over time through a combination of capital appreciation and income.

Expense [Heading] rr_ExpenseHeading Fees and expenses
Expense Narrative [Text Block] rr_ExpenseNarrativeTextBlock

This table describes the fees and expenses that you may pay if you buy and hold shares of the Fund. In addition to the fees and expenses described below, investors may be required to pay a commission to a broker-dealer or other financial intermediary on purchases and sales of Institutional Class or Advisor Class shares of the Fund.

Shareholder Fees Caption [Text] rr_ShareholderFeesCaption SHAREHOLDER FEES (fees paid directly from your investment)
Operating Expenses Caption [Text] rr_OperatingExpensesCaption ANNUAL FUND OPERATING EXPENSES (expenses that you pay each year as a percentage of the value of your investment)
Portfolio Turnover [Heading] rr_PortfolioTurnoverHeading Portfolio turnover
Portfolio Turnover [Text Block] rr_PortfolioTurnoverTextBlock

The Fund pays transaction costs, such as commissions, when it buys and sells securities (or “turns over” its portfolio). A higher portfolio turnover rate may indicate higher transaction costs and may result in higher taxes when Fund shares are held in a taxable account. These costs, which are not reflected in annual fund operating expenses or in the example, affect the Fund’s performance. During the fiscal year ended May 31, 2019, the Fund’s portfolio turnover rate was 4% of the average value of its portfolio.

Portfolio Turnover, Rate rr_PortfolioTurnoverRate 4.00%
Expenses Restated to Reflect Current [Text] rr_ExpensesRestatedToReflectCurrent Restated to reflect estimates for the current fiscal year.
Expense Example [Heading] rr_ExpenseExampleHeading Example
Expense Example Narrative [Text Block] rr_ExpenseExampleNarrativeTextBlock

This example is intended to help you compare the cost of investing in shares of the Fund with the cost of investing in other mutual funds. The example assumes that you invest $10,000 in the Fund for the time periods indicated and then redeem all your shares at the end of those periods. The example also assumes that your investment has a 5% return each year and that the Fund’s operating expenses, before fee waivers and/or expense reimbursements, remain the same. The example assumes that the Fund’s fee waiver and/or expense reimbursement arrangements will each remain in place for the durations noted in the table above. Although your actual costs may be higher or lower, based on these assumptions your costs would be:

Strategy [Heading] rr_StrategyHeading Principal investment strategies
Strategy Narrative [Text Block] rr_StrategyNarrativeTextBlock

The Fund is a “fund of funds” that invests in Class W shares of other funds of the Trust and potentially in other investment pools or investment products, including other funds advised by the Fund’s investment adviser, Teachers Advisors, LLC (“Advisors”), or its affiliates (collectively, the “Underlying Funds”). In general, the Fund is designed for investors who have an approximate target retirement year in mind, and the Fund’s investments are adjusted from more aggressive to more conservative over time as the Fund’s target retirement year approaches and for approximately 30 years afterwards. The Fund invests in Underlying Funds according to an asset allocation strategy designed for investors retiring in, or planning to retire within a few years of, 2045 and who may begin taking systematic withdrawals upon retirement. The Fund has a policy of investing at least 80% of its assets (net assets, plus the amount of any borrowings for investment purposes) in Underlying Funds that are managed to seek investment returns that track particular market indices.


Advisors currently expects to allocate approximately 90.00% of the Fund’s assets to equity Underlying Funds and 10.00% of its assets to fixed-income Underlying Funds. These allocations represent targets for equity and fixed-income asset classes. Target allocations will change over time and actual allocations may vary up to ten percentage points from the targets. The target allocations along the investment glidepath, illustrated in the chart below, gradually become more conservative, moving to target allocations of approximately 50.00% equity/50.00% fixed-income in the Fund’s target retirement year of 2045 and reaching the Fund’s final target allocation of approximately 20.00% equity/80.00% fixed-income in 2075. Within the equity and fixed-income asset classes, Advisors allocates the Fund’s investments to particular market sectors (U.S. equity, international equity, fixed-income, short-term fixed-income and inflation-protected assets) represented by various Underlying Funds. These market sector allocations may vary by up to 10% from the Fund’s target market sector allocations. The Fund’s current target market sector allocations for June 30, 2020, which will change over time, are approximately as follows: U.S. Equity: 63.00%; International Equity: 27.00%; Fixed-Income: 10.00; Short-Term Fixed-Income: 0.00%; and Inflation-Protected Assets: 0.00%. The asset class and market sector names used herein are intended to reflect the primary type of investment of the Underlying Funds within each of these categories.


The Fund’s target market sector allocations to Underlying Funds may include the TIAA-CREF Equity Index Fund (U.S. Equity); Emerging Markets Equity Index Fund and International Equity Index Fund (International Equity); Bond Index Fund (Fixed-Income); Short-Term Bond Index Fund (Short-Term Fixed-Income); and Inflation-Linked Bond Fund (Inflation-Protected Assets).


Additional or replacement Underlying Funds for each market sector, as well as additional or replacement market sectors, may be included when making future allocations if Advisors believes that such Underlying Funds and/or market sectors are appropriate in light of the Fund’s desired levels of risk and potential return at the particular time. The Fund’s portfolio management team may also add a new market sector if it believes that will help to achieve the Fund’s investment objective. The relative allocations among Underlying Funds within a market sector may be changed at any time without notice to shareholders. If 10% or more of the Fund’s assets are expected to be invested in any Underlying Fund or market sector not listed above, shareholders will receive prior notice of such change.


The Fund’s asset class allocations, market sector allocations within each asset class, and Underlying Fund allocations within each market sector, as of June 30, 2019, are listed in the chart below. These allocations will change over time. Underlying Fund allocations in particular may change from year to year.


        

Asset Class

Allocation

  

Market Sector

Allocation

 

Underlying Funds

Allocation

Equity

90.44%

 

U.S. Equity

63.43%

 

Ÿ Equity Index Fund

63.43%

   

International Equity

27.01%

 

Ÿ International Equity Index Fund

19.37%

      

Ÿ Emerging Markets Equity Index Fund

7.64%

Fixed-Income

9.56%

 

Fixed-Income

9.56%

 

Ÿ Bond Index Fund

9.56%


        

Total

100.00%

  

100.00%

  

100.00%


The following chart shows how the investment glidepath for the Fund is expected to gradually move the Fund’s target allocations over time between the different target market sector allocations. The actual market sector allocations of the Fund may differ from this chart. The Fund seeks to achieve its final target market sector allocations approximately 30 years following the target date.


Lifecycle Index Funds Glidepath as of June 30, 2020
Years to Target Retirement Date US Equities International Equities Fixed Income Short Term Fixed Income Inflation Protected Bonds
45 66.50% 28.50% 5.00% 0.00% 0.00%
40 65.62% 28.13% 6.25% 0.00% 0.00%
35 64.75% 27.75% 7.50% 0.00% 0.00%
30 63.87% 27.38% 8.75% 0.00% 0.00%
25 63.00% 27.00% 10.00% 0.00% 0.00%
20 57.40% 24.60% 18.00% 0.00% 0.00%
15 51.80% 22.20% 26.00% 0.00% 0.00%
10 46.20% 19.80% 30.00% 2.00% 2.00%
5 40.60% 17.40% 34.00% 4.00% 4.00%
0 35.00% 15.00% 38.00% 6.00% 6.00%
-5 31.50% 13.50% 39.00% 8.00% 8.00%
-10 28.00% 12.00% 40.00% 10.00% 10.00%
-15 24.50% 10.50% 40.00% 15.00% 10.00%
-20 21.00% 9.00% 40.00% 20.00% 10.00%
-25 17.50% 7.50% 40.00% 25.00% 10.00%
-30 14.00% 6.00% 40.00% 30.00% 10.00%

The Fund is designed to accommodate investors who invest in a fund up to their target retirement date, and plan to make gradual systematic withdrawals in retirement. In addition, investors should note that the Fund will continue to have a significant level of equity exposure up to, through and after its target retirement date, and this exposure could cause significant fluctuations in the value of the Fund depending on the performance of the equity markets generally.


After the Fund reaches its final target allocation, the Board of Trustees may authorize the merger of the Fund into another Lifecycle Index Fund which has also reached its final target allocation or other similar fund designed to maintain a relatively stable asset allocation reflecting the resting point on the glidepath described in the chart above. Fund shareholders will receive prior notice of any such merger.

Risk [Heading] rr_RiskHeading Principal investment risks
Risk Narrative [Text Block] rr_RiskNarrativeTextBlock

You could lose money over short or long periods by investing in this Fund. An investment in the Fund, due to the nature of the Fund’s portfolio holdings, typically is subject to the following principal investment risks:


· Asset Allocation Risk—The risk that the Fund may not achieve its target allocations. In addition, there is the risk that the asset allocations may not achieve the desired risk-return characteristic or that the selection of Underlying Funds and the allocations among them will result in the Fund underperforming other similar funds or cause an investor to lose money.


· Index Risk—The risk that the Fund’s performance may not correspond to its benchmark index for any period of time and may underperform such index or the overall financial market. Additionally, to the extent that the Fund’s investments vary from the composition of its benchmark index, the Fund’s performance could potentially vary from the index’s performance to a greater extent than if the Fund merely attempted to replicate the index.


· Underlying Funds Risks—The Fund is exposed to the risks of the Underlying Funds in which it invests in direct proportion to the amount of assets the Fund allocates to each Underlying Fund.


· Equity Underlying Funds Risks—The risks of investing in equity Underlying Funds include risks specific to their investment strategies, as well as risks related to the equity markets in general, such as:


· market risk—The risk that the price of equity investments may decline in response to general market and economic conditions or events, including conditions and developments outside of the financial markets;


· issuer risk—The risk that an issuer’s earnings prospects and overall financial position will deteriorate, causing a decline in the value of the issuer’s financial instruments over short or extended periods of time; and


· foreign investment risk—The increased risks of adverse issuer, political, regulatory, currency, market or economic developments compared to investments in U.S. issuers, which can result in greater market and price volatility.


· Fixed-Income Underlying Funds Risks—The risks of investing in fixed-income Underlying Funds include risks specific to their investment strategies, as well as risks related to the fixed-income markets in general, such as:


· interest rate risk—The risk that the value or yield of fixed-income investments may decline if interest rates change, which could adversely affect a Fund’s income or the value of its holdings;


· extension risk—The risk that during periods of rising interest rates, borrowers may pay off their mortgage loans later than expected, preventing a Fund from reinvesting principal proceeds at higher interest rates and resulting in less income than potentially available;


· issuer risk—The risk that an issuer’s earnings prospects and overall financial position will deteriorate, causing a decline in the value of the issuer’s financial instruments over short or extended periods of time;


· credit risk—The risk that a decline in an issuer’s financial position may prevent it from making principal and interest payments on fixed-income investments held by a Fund when due;


· credit spread risk—The risk that credit spreads (i.e., the difference in yield between securities that is due to differences in each security’s respective credit quality) may increase when market participants believe that bonds generally have a greater risk of default, which could result in a decline in the market values of a Fund’s debt securities;


· income volatility risk—The risk that the level of current income from a Fund’s portfolio of fixed-income securities may decline due to rapid and unpredictable changes in prevailing market interest rates; and


· call risk—The risk that, during periods of falling interest rates, an issuer may call (or repay) a fixed-income security prior to maturity, resulting in a decline in a Fund’s income.


· Active Management Risk—The risk that the strategy, investment selection or trading execution of Advisors could cause the Fund or an Underlying Fund to underperform its benchmark index or mutual funds with similar investment objectives.


· Fund of Funds Risk—The ability of the Fund to achieve its investment objective will depend in part upon the ability of the Underlying Funds to achieve their investment objectives. There can be no guarantee that any Underlying Fund will achieve its investment objective.


There can be no assurances that the Fund will achieve its investment objective. You should not consider the Fund to be a complete investment program. Please see the non-summary portion of the Prospectus for more detailed information about the risks described above, including the risks of the Underlying Funds.

Risk Lose Money [Text] rr_RiskLoseMoney You could lose money over short or long periods by investing in this Fund.
Bar Chart and Performance Table [Heading] rr_BarChartAndPerformanceTableHeading Past performance
Performance Narrative [Text Block] rr_PerformanceNarrativeTextBlock

The following chart and table help illustrate some of the risks of investing in the Fund by showing changes in the Fund’s performance from year to year. The bar chart shows the annual total returns of the Retirement Class of the Fund, before taxes, in each full calendar year since inception of the Retirement Class. Because the expenses vary across share classes, the performance of the Retirement Class may vary from the other share classes. Below the bar chart are the best and worst returns of the Retirement Class for a calendar quarter during the full calendar-year periods covered by the bar chart. The performance table following the bar chart shows the Fund’s average annual total returns for the Retirement, Institutional, Advisor and Premier classes over the applicable one-year, five-year, ten-year and since-inception periods ended December 31, 2018, and how those returns compare to those of a broad-based securities market index and a composite index based on the Fund’s target allocations. After-tax performance is shown only for the Retirement Class shares, and after-tax returns for the other classes of shares will vary from the after-tax returns presented for Retirement Class shares.


The returns shown below reflect previous agreements by Advisors to waive or reimburse the Fund and certain Underlying Funds for certain fees and expenses. Without these waivers and reimbursements, the returns of the Fund would have been lower. Past performance of the Fund (before and after taxes) is not necessarily an indication of how it will perform in the future. The indices listed below are unmanaged, and you cannot invest directly in an index. The returns for the indices reflect no deduction for fees, expenses or taxes.


For current performance information of each share class, including performance to the most recent month-end, please visit www.tiaa.org.

Performance Information Illustrates Variability of Returns [Text] rr_PerformanceInformationIllustratesVariabilityOfReturns The following chart and table help illustrate some of the risks of investing in the Fund by showing changes in the Fund’s performance from year to year.
Performance Additional Market Index [Text] rr_PerformanceAdditionalMarketIndex As of the close of business on December 31, 2018, the Lifecycle Index 2045 Fund Composite Index consisted of: 63.3% Russell 3000® Index; 27.1% MSCI EAFE + Emerging Markets Index; and 9.6% Bloomberg Barclays U.S. Aggregate Bond Index. The Fund’s composite benchmark, the components that make up a composite benchmark and the method of calculating a composite benchmark’s performance may vary over time.
Performance Availability Website Address [Text] rr_PerformanceAvailabilityWebSiteAddress www.tiaa.org
Performance Past Does Not Indicate Future [Text] rr_PerformancePastDoesNotIndicateFuture Past performance of the Fund (before and after taxes) is not necessarily an indication of how it will perform in the future.
Bar Chart [Heading] rr_BarChartHeading ANNUAL TOTAL RETURNS FOR THE RETIREMENT CLASS SHARES (%)† Lifecycle Index 2045 Fund
Bar Chart Footnotes [Text Block] rr_BarChartFootnotesTextBlock

 The year-to-date return as of the most recent calendar quarter, which ended on June 30, 2019, was 15.76%.

Bar Chart Closing [Text Block] rr_BarChartClosingTextBlock

Best quarter: 11.95%, for the quarter ended September 30, 2010. Worst quarter: -14.77%, for the quarter ended September 30, 2011.

Year to Date Return, Label rr_YearToDateReturnLabel The year-to-date return as of the most recent calendar quarter, which ended on June 30, 2019, was
Bar Chart, Year to Date Return, Date rr_BarChartYearToDateReturnDate Jun. 30, 2019
Bar Chart, Year to Date Return rr_BarChartYearToDateReturn 15.76%
Highest Quarterly Return, Label rr_HighestQuarterlyReturnLabel Best quarter:
Highest Quarterly Return, Date rr_BarChartHighestQuarterlyReturnDate Sep. 30, 2010
Highest Quarterly Return rr_BarChartHighestQuarterlyReturn 11.95%
Lowest Quarterly Return, Label rr_LowestQuarterlyReturnLabel Worst quarter:
Lowest Quarterly Return, Date rr_BarChartLowestQuarterlyReturnDate Sep. 30, 2011
Lowest Quarterly Return rr_BarChartLowestQuarterlyReturn (14.77%)
Index No Deduction for Fees, Expenses, Taxes [Text] rr_IndexNoDeductionForFeesExpensesTaxes (reflects no deductions for fees, expenses or taxes)
Performance Table Uses Highest Federal Rate rr_PerformanceTableUsesHighestFederalRate After-tax returns are calculated using the historical highest individual federal marginal income tax rates in effect during the periods shown and do not reflect the impact of state and local taxes.
Performance Table Not Relevant to Tax Deferred rr_PerformanceTableNotRelevantToTaxDeferred The after-tax returns shown are not relevant to investors who hold their Fund shares through tax-deferred arrangements such as 401(a), 401(k) or 403(b) plans or Individual Retirement Accounts (IRAs).
Performance Table One Class of after Tax Shown [Text] rr_PerformanceTableOneClassOfAfterTaxShown After-tax performance is shown only for the Retirement Class shares, and after-tax returns for the other classes of shares will vary from the after-tax returns presented for Retirement Class shares.
Performance Table Closing [Text Block] rr_PerformanceTableClosingTextBlock

Current performance of the Fund’s shares may be higher or lower than that shown above.


After-tax returns are calculated using the historical highest individual federal marginal income tax rates in effect during the periods shown and do not reflect the impact of state and local taxes. Actual after-tax returns depend on the investor’s tax situation and may differ from those shown. The after-tax returns shown are not relevant to investors who hold their Fund shares through tax-deferred arrangements such as 401(a), 401(k) or 403(b) plans or Individual Retirement Accounts (IRAs). After-tax returns are shown for only one class, and after-tax returns for other classes will vary.

Average Annual Return, Caption rr_AverageAnnualReturnCaption AVERAGE ANNUAL TOTAL RETURNS For the Periods Ended December 31, 2018
TIAA-CREF Lifecycle Index 2045 Fund | S&P Target Date 2045 Index  
Risk/Return: rr_RiskReturnAbstract  
1 Year rr_AverageAnnualReturnYear01 (7.74%)
5 Years rr_AverageAnnualReturnYear05 4.91%
Since Inception rr_AverageAnnualReturnSinceInception 8.49% [1]
TIAA-CREF Lifecycle Index 2045 Fund | Lifecycle Index 2045 Fund Composite Index (reflects no deductions for fees, expenses or taxes)  
Risk/Return: rr_RiskReturnAbstract  
1 Year rr_AverageAnnualReturnYear01 (7.03%) [2]
5 Years rr_AverageAnnualReturnYear05 5.59% [2]
Since Inception rr_AverageAnnualReturnSinceInception 9.10% [1],[2]
TIAA-CREF Lifecycle Index 2045 Fund | Institutional Class  
Risk/Return: rr_RiskReturnAbstract  
Maximum sales charge imposed on purchases (percentage of offering price) rr_MaximumSalesChargeImposedOnPurchasesOverOfferingPrice none
Maximum deferred sales charge rr_MaximumDeferredSalesChargeOverOfferingPrice none
Maximum sales charge imposed on reinvested dividends and other distributions rr_MaximumSalesChargeOnReinvestedDividendsAndDistributionsOverOther none
Redemption or exchange fee rr_RedemptionFeeOverRedemption none
Maximum account fee rr_MaximumAccountFeeOverAssets none
Management fees rr_ManagementFeesOverAssets 0.15% [3],[4]
Other expenses rr_OtherExpensesOverAssets 0.04% [3],[4]
Total annual Fund operating expenses rr_ExpensesOverAssets 0.19%
Waivers and expense reimbursements rr_FeeWaiverOrReimbursementOverAssets (0.09%) [5],[6]
Total annual Fund operating expenses after fee waiver and/or expense reimbursement rr_NetExpensesOverAssets 0.10%
Expense Example, with Redemption, 1 Year rr_ExpenseExampleYear01 $ 10
Expense Example, with Redemption, 3 Years rr_ExpenseExampleYear03 52
Expense Example, with Redemption, 5 Years rr_ExpenseExampleYear05 98
Expense Example, with Redemption, 10 Years rr_ExpenseExampleYear10 $ 234
1 Year rr_AverageAnnualReturnYear01 (6.92%)
5 Years rr_AverageAnnualReturnYear05 5.52%
Since Inception rr_AverageAnnualReturnSinceInception 8.98%
Inception Date rr_AverageAnnualReturnInceptionDate Sep. 30, 2009
TIAA-CREF Lifecycle Index 2045 Fund | Advisor Class  
Risk/Return: rr_RiskReturnAbstract  
Maximum sales charge imposed on purchases (percentage of offering price) rr_MaximumSalesChargeImposedOnPurchasesOverOfferingPrice none
Maximum deferred sales charge rr_MaximumDeferredSalesChargeOverOfferingPrice none
Maximum sales charge imposed on reinvested dividends and other distributions rr_MaximumSalesChargeOnReinvestedDividendsAndDistributionsOverOther none
Redemption or exchange fee rr_RedemptionFeeOverRedemption none
Maximum account fee rr_MaximumAccountFeeOverAssets none
Management fees rr_ManagementFeesOverAssets 0.15% [3],[4]
Other expenses rr_OtherExpensesOverAssets 0.14% [3],[4]
Total annual Fund operating expenses rr_ExpensesOverAssets 0.29%
Waivers and expense reimbursements rr_FeeWaiverOrReimbursementOverAssets (0.10%) [5],[6]
Total annual Fund operating expenses after fee waiver and/or expense reimbursement rr_NetExpensesOverAssets 0.19%
Expense Example, with Redemption, 1 Year rr_ExpenseExampleYear01 $ 19
Expense Example, with Redemption, 3 Years rr_ExpenseExampleYear03 83
Expense Example, with Redemption, 5 Years rr_ExpenseExampleYear05 153
Expense Example, with Redemption, 10 Years rr_ExpenseExampleYear10 $ 358
1 Year rr_AverageAnnualReturnYear01 (7.04%)
5 Years rr_AverageAnnualReturnYear05 5.38% [7]
Since Inception rr_AverageAnnualReturnSinceInception 8.78% [7]
Inception Date rr_AverageAnnualReturnInceptionDate Dec. 04, 2015
TIAA-CREF Lifecycle Index 2045 Fund | Premier Class  
Risk/Return: rr_RiskReturnAbstract  
Maximum sales charge imposed on purchases (percentage of offering price) rr_MaximumSalesChargeImposedOnPurchasesOverOfferingPrice none
Maximum deferred sales charge rr_MaximumDeferredSalesChargeOverOfferingPrice none
Maximum sales charge imposed on reinvested dividends and other distributions rr_MaximumSalesChargeOnReinvestedDividendsAndDistributionsOverOther none
Redemption or exchange fee rr_RedemptionFeeOverRedemption none
Maximum account fee rr_MaximumAccountFeeOverAssets none
Management fees rr_ManagementFeesOverAssets 0.15% [3],[4]
Distribution (Rule 12b-1) fees rr_DistributionAndService12b1FeesOverAssets 0.15%
Other expenses rr_OtherExpensesOverAssets 0.04% [3],[4]
Total annual Fund operating expenses rr_ExpensesOverAssets 0.34%
Waivers and expense reimbursements rr_FeeWaiverOrReimbursementOverAssets (0.09%) [5],[6]
Total annual Fund operating expenses after fee waiver and/or expense reimbursement rr_NetExpensesOverAssets 0.25%
Expense Example, with Redemption, 1 Year rr_ExpenseExampleYear01 $ 26
Expense Example, with Redemption, 3 Years rr_ExpenseExampleYear03 100
Expense Example, with Redemption, 5 Years rr_ExpenseExampleYear05 182
Expense Example, with Redemption, 10 Years rr_ExpenseExampleYear10 $ 422
1 Year rr_AverageAnnualReturnYear01 (7.04%)
5 Years rr_AverageAnnualReturnYear05 5.37%
Since Inception rr_AverageAnnualReturnSinceInception 8.83%
Inception Date rr_AverageAnnualReturnInceptionDate Sep. 30, 2009
TIAA-CREF Lifecycle Index 2045 Fund | Retirement Class  
Risk/Return: rr_RiskReturnAbstract  
Maximum sales charge imposed on purchases (percentage of offering price) rr_MaximumSalesChargeImposedOnPurchasesOverOfferingPrice none
Maximum deferred sales charge rr_MaximumDeferredSalesChargeOverOfferingPrice none
Maximum sales charge imposed on reinvested dividends and other distributions rr_MaximumSalesChargeOnReinvestedDividendsAndDistributionsOverOther none
Redemption or exchange fee rr_RedemptionFeeOverRedemption none
Maximum account fee rr_MaximumAccountFeeOverAssets none
Management fees rr_ManagementFeesOverAssets 0.15% [3],[4]
Other expenses rr_OtherExpensesOverAssets 0.29% [3],[4]
Total annual Fund operating expenses rr_ExpensesOverAssets 0.44%
Waivers and expense reimbursements rr_FeeWaiverOrReimbursementOverAssets (0.09%) [5],[6]
Total annual Fund operating expenses after fee waiver and/or expense reimbursement rr_NetExpensesOverAssets 0.35%
Expense Example, with Redemption, 1 Year rr_ExpenseExampleYear01 $ 36
Expense Example, with Redemption, 3 Years rr_ExpenseExampleYear03 132
Expense Example, with Redemption, 5 Years rr_ExpenseExampleYear05 237
Expense Example, with Redemption, 10 Years rr_ExpenseExampleYear10 $ 546
Annual Return 2010 rr_AnnualReturn2010 13.50%
Annual Return 2011 rr_AnnualReturn2011 (1.61%)
Annual Return 2012 rr_AnnualReturn2012 15.38%
Annual Return 2013 rr_AnnualReturn2013 24.86%
Annual Return 2014 rr_AnnualReturn2014 6.56%
Annual Return 2015 rr_AnnualReturn2015 (0.97%)
Annual Return 2016 rr_AnnualReturn2016 9.04%
Annual Return 2017 rr_AnnualReturn2017 20.89%
Annual Return 2018 rr_AnnualReturn2018 (7.12%)
1 Year rr_AverageAnnualReturnYear01 (7.12%)
5 Years rr_AverageAnnualReturnYear05 5.26%
Since Inception rr_AverageAnnualReturnSinceInception 8.72%
Inception Date rr_AverageAnnualReturnInceptionDate Sep. 30, 2009
TIAA-CREF Lifecycle Index 2045 Fund | Retirement Class | After Taxes on Distributions  
Risk/Return: rr_RiskReturnAbstract  
1 Year rr_AverageAnnualReturnYear01 (7.67%)
5 Years rr_AverageAnnualReturnYear05 4.66%
Since Inception rr_AverageAnnualReturnSinceInception 8.19%
TIAA-CREF Lifecycle Index 2045 Fund | Retirement Class | After Taxes on Distributions and Sale of Fund Shares  
Risk/Return: rr_RiskReturnAbstract  
1 Year rr_AverageAnnualReturnYear01 (3.87%)
5 Years rr_AverageAnnualReturnYear05 4.01%
Since Inception rr_AverageAnnualReturnSinceInception 7.02%
[1] Performance is calculated from the inception date of the Retirement Class.
[2] As of the close of business on December 31, 2018, the Lifecycle Index 2045 Fund Composite Index consisted of: 63.3% Russell 3000® Index; 27.1% MSCI EAFE + Emerging Markets Index; and 9.6% Bloomberg Barclays U.S. Aggregate Bond Index. The Fund's composite benchmark, the components that make up a composite benchmark and the method of calculating a composite benchmark's performance may vary over time.
[3] Portions of the Management fees and Other expenses are based on expenses originally incurred by Class W shares of the Underlying Funds (as defined below) of the Trust, which have been incurred directly by the Fund pursuant to certain contractual arrangements intended to reallocate directly to the Fund certain fees and expenses that had been paid by the Underlying Funds of the Trust. For additional information, please see the "Management of the Funds" section of this Prospectus.
[4] Restated to reflect estimates for the current fiscal year.
[5] Advisors has contractually agreed to waive 0.062% of the Fund's Management fee. This waiver will remain in effect through September 30, 2020, unless changed with the approval of the Board of Trustees.
[6] Under the Fund's expense reimbursement arrangements, the Fund's investment adviser, Teachers Advisors, LLC ("Advisors"), has contractually agreed to reimburse the Fund for any Total annual Fund operating expenses (excluding interest, taxes, brokerage commissions or other transactional expenses, Acquired Fund fees and expenses, extraordinary expenses and any expenses originally attributable to Class W shares of the Underlying Funds of the Trust that were incurred directly by the Fund) that exceed: (i) 0.038% of average daily net assets for Institutional Class shares; (ii) 0.188% of average daily net assets for Advisor Class shares; (iii) 0.188% of average daily net assets for Premier Class shares; and (iv) 0.288% of average daily net assets for Retirement Class shares of the Fund. These expense reimbursement arrangements will continue through at least September 30, 2020, unless changed with approval of the Board of Trustees.
[7] The performance shown for the Advisor Class that is prior to its inception date is based on performance of the Fund's Retirement Class. The performance for these periods has not been restated to reflect the lower expenses of the Advisor Class.
XML 28 R121.htm IDEA: XBRL DOCUMENT v3.19.3
TIAA-CREF Lifecycle Index 2030 Fund
TIAA-CREF Lifecycle Index 2030 Fund
Investment objective

The Lifecycle Index 2030 Fund seeks high total return over time through a combination of capital appreciation and income.

Fees and expenses

This table describes the fees and expenses that you may pay if you buy and hold shares of the Fund. In addition to the fees and expenses described below, investors may be required to pay a commission to a broker-dealer or other financial intermediary on purchases and sales of Institutional Class or Advisor Class shares of the Fund.

SHAREHOLDER FEES (fees paid directly from your investment)
Shareholder Fees - TIAA-CREF Lifecycle Index 2030 Fund
Institutional Class
Advisor Class
Premier Class
Retirement Class
Maximum sales charge imposed on purchases (percentage of offering price) none none none none
Maximum deferred sales charge none none none none
Maximum sales charge imposed on reinvested dividends and other distributions none none none none
Redemption or exchange fee none none none none
Maximum account fee none none none none
ANNUAL FUND OPERATING EXPENSES (expenses that you pay each year as a percentage of the value of your investment)
Annual Fund Operating Expenses - TIAA-CREF Lifecycle Index 2030 Fund
Institutional Class
Advisor Class
Premier Class
Retirement Class
Management fees [1],[2] 0.17% 0.17% 0.17% 0.17%
Distribution (Rule 12b-1) fees     0.15%  
Other expenses [1],[2] 0.03% 0.12% 0.03% 0.28%
Total annual Fund operating expenses 0.20% 0.29% 0.35% 0.45%
Waivers and expense reimbursements [3],[4] (0.10%) (0.10%) (0.10%) (0.10%)
Total annual Fund operating expenses after fee waiver and/or expense reimbursement 0.10% 0.19% 0.25% 0.35%
[1] Portions of the Management fees and Other expenses are based on expenses originally incurred by Class W shares of the Underlying Funds (as defined below) of the Trust, which have been incurred directly by the Fund pursuant to certain contractual arrangements intended to reallocate directly to the Fund certain fees and expenses that had been paid by the Underlying Funds of the Trust. For additional information, please see the "Management of the Funds" section of this Prospectus.
[2] Restated to reflect estimates for the current fiscal year.
[3] Advisors has contractually agreed to waive 0.075% of the Fund's Management fee. This waiver will remain in effect through September 30, 2020, unless changed with the approval of the Board of Trustees.
[4] Under the Fund's expense reimbursement arrangements, the Fund's investment adviser, Teachers Advisors, LLC ("Advisors"), has contractually agreed to reimburse the Fund for any Total annual Fund operating expenses (excluding interest, taxes, brokerage commissions or other transactional expenses, Acquired Fund fees and expenses, extraordinary expenses and any expenses originally attributable to Class W shares of the Underlying Funds of the Trust that were incurred directly by the Fund) that exceed: (i) 0.025% of average daily net assets for Institutional Class shares; (ii) 0.175% of average daily net assets for Advisor Class shares; (iii) 0.175% of average daily net assets for Premier Class shares; and (iv) 0.275% of average daily net assets for Retirement Class shares of the Fund. These expense reimbursement arrangements will continue through at least September 30, 2020, unless changed with approval of the Board of Trustees.
Example

This example is intended to help you compare the cost of investing in shares of the Fund with the cost of investing in other mutual funds. The example assumes that you invest $10,000 in the Fund for the time periods indicated and then redeem all your shares at the end of those periods. The example also assumes that your investment has a 5% return each year and that the Fund’s operating expenses, before fee waivers and/or expense reimbursements, remain the same. The example assumes that the Fund’s fee waiver and/or expense reimbursement arrangements will each remain in place for the durations noted in the table above. Although your actual costs may be higher or lower, based on these assumptions your costs would be:

Expense Example - TIAA-CREF Lifecycle Index 2030 Fund - USD ($)
Institutional Class
Advisor Class
Premier Class
Retirement Class
1 year $ 10 $ 19 $ 26 $ 36
3 years 54 83 102 134
5 years 103 153 186 242
10 years $ 245 $ 358 $ 433 $ 557
Portfolio turnover

The Fund pays transaction costs, such as commissions, when it buys and sells securities (or “turns over” its portfolio). A higher portfolio turnover rate may indicate higher transaction costs and may result in higher taxes when Fund shares are held in a taxable account. These costs, which are not reflected in annual fund operating expenses or in the example, affect the Fund’s performance. During the fiscal year ended May 31, 2019, the Fund’s portfolio turnover rate was 10% of the average value of its portfolio.

Principal investment strategies

The Fund is a “fund of funds” that invests in Class W shares of other funds of the Trust and potentially in other investment pools or investment products, including other funds advised by the Fund’s investment adviser, Teachers Advisors, LLC (“Advisors”), or its affiliates (collectively, the “Underlying Funds”). In general, the Fund is designed for investors who have an approximate target retirement year in mind, and the Fund’s investments are adjusted from more aggressive to more conservative over time as the Fund’s target retirement year approaches and for approximately 30 years afterwards. The Fund invests in Underlying Funds according to an asset allocation strategy designed for investors retiring in, or planning to retire within a few years of, 2030 and who may begin taking systematic withdrawals upon retirement. The Fund has a policy of investing at least 80% of its assets (net assets, plus the amount of any borrowings for investment purposes) in Underlying Funds that are managed to seek investment returns that track particular market indices.


Advisors currently expects to allocate approximately 66.00% of the Fund’s assets to equity Underlying Funds and 34.00% of its assets to fixed-income Underlying Funds. These allocations represent targets for equity and fixed-income asset classes. Target allocations will change over time and actual allocations may vary up to ten percentage points from the targets. The target allocations along the investment glidepath, illustrated in the chart below, gradually become more conservative, moving to target allocations of approximately 50.00% equity/50.00% fixed-income in the Fund’s target retirement year of 2030 and reaching the Fund’s final target allocation of approximately 20.00% equity/80.00% fixed-income in 2060. Within the equity and fixed-income asset classes, Advisors allocates the Fund’s investments to particular market sectors (U.S. equity, international equity, fixed-income, short-term fixed-income and inflation-protected assets) represented by various Underlying Funds. These market sector allocations may vary by up to 10% from the Fund’s target market sector allocations. The Fund’s current target market sector allocations for June 30, 2020, which will change over time, are approximately as follows: U.S. Equity: 46.20%; International Equity: 19.80%; Fixed-Income: 30.00%; Short-Term Fixed-Income: 2.00%; and Inflation-Protected Assets: 2.00%. The asset class and market sector names used herein are intended to reflect the primary type of investment of the Underlying Funds within each of these categories.


The Fund’s target market sector allocations to Underlying Funds may include the TIAA-CREF Equity Index Fund (U.S. Equity); Emerging Markets Equity Index Fund and International Equity Index Fund (International Equity); Bond Index Fund (Fixed-Income); Short-Term Bond Index Fund (Short-Term Fixed-Income); and Inflation-Linked Bond Fund (Inflation-Protected Assets).


Additional or replacement Underlying Funds for each market sector, as well as additional or replacement market sectors, may be included when making future allocations if Advisors believes that such Underlying Funds and/or market sectors are appropriate in light of the Fund’s desired levels of risk and potential return at the particular time. The Fund’s portfolio management team may also add a new market sector if it believes that will help to achieve the Fund’s investment objective. The relative allocations among Underlying Funds within a market sector may be changed at any time without notice to shareholders. If 10% or more of the Fund’s assets are expected to be invested in any Underlying Fund or market sector not listed above, shareholders will receive prior notice of such change.


The Fund’s asset class allocations, market sector allocations within each asset class, and Underlying Fund allocations within each market sector, as of June 30, 2019, are listed in the chart below. These allocations will change over time. Underlying Fund allocations in particular may change from year to year.


        

Asset Class

Allocation

  

Market Sector

Allocation

 

Underlying Funds

Allocation

Equity

68.26%

 

U.S. Equity

47.88%

 

Ÿ Equity Index Fund

47.88%

   

International Equity

20.38%

 

Ÿ International Equity Index Fund

14.61%

      

Ÿ Emerging Markets Equity Index Fund

5.77%

Fixed-Income

31.74%

 

Fixed-Income

28.64%

 

Ÿ Bond Index Fund

28.64%

   

Short-Term
Fixed-Income

1.55%

 

Ÿ Short-Term Bond Index Fund

1.55%

   

Inflation-
Protected Assets

1.55%

 

Ÿ Inflation-Linked Bond Fund

1.55%


        

Total

100.00%

  

100.00%

  

100.00%


The following chart shows how the investment glidepath for the Fund is expected to gradually move the Fund’s target allocations over time between the different target market sector allocations. The actual market sector allocations of the Fund may differ from this chart. The Fund seeks to achieve its final target market sector allocations approximately 30 years following the target date.


Lifecycle Index Funds Glidepath as of June 30, 2020
Years to Target Retirement Date US Equities International Equities Fixed Income Short Term Fixed Income Inflation Protected Bonds
45 66.50% 28.50% 5.00% 0.00% 0.00%
40 65.62% 28.13% 6.25% 0.00% 0.00%
35 64.75% 27.75% 7.50% 0.00% 0.00%
30 63.87% 27.38% 8.75% 0.00% 0.00%
25 63.00% 27.00% 10.00% 0.00% 0.00%
20 57.40% 24.60% 18.00% 0.00% 0.00%
15 51.80% 22.20% 26.00% 0.00% 0.00%
10 46.20% 19.80% 30.00% 2.00% 2.00%
5 40.60% 17.40% 34.00% 4.00% 4.00%
0 35.00% 15.00% 38.00% 6.00% 6.00%
-5 31.50% 13.50% 39.00% 8.00% 8.00%
-10 28.00% 12.00% 40.00% 10.00% 10.00%
-15 24.50% 10.50% 40.00% 15.00% 10.00%
-20 21.00% 9.00% 40.00% 20.00% 10.00%
-25 17.50% 7.50% 40.00% 25.00% 10.00%
-30 14.00% 6.00% 40.00% 30.00% 10.00%

The Fund is designed to accommodate investors who invest in a fund up to their target retirement date, and plan to make gradual systematic withdrawals in retirement. In addition, investors should note that the Fund will continue to have a significant level of equity exposure up to, through and after its target retirement date, and this exposure could cause significant fluctuations in the value of the Fund depending on the performance of the equity markets generally.


After the Fund reaches its final target allocation, the Board of Trustees may authorize the merger of the Fund into another Lifecycle Index Fund which has also reached its final target allocation or other similar fund designed to maintain a relatively stable asset allocation reflecting the resting point on the glidepath described in the chart above. Fund shareholders will receive prior notice of any such merger.

Principal investment risks

You could lose money over short or long periods by investing in this Fund. An investment in the Fund, due to the nature of the Fund’s portfolio holdings, typically is subject to the following principal investment risks:


· Asset Allocation Risk—The risk that the Fund may not achieve its target allocations. In addition, there is the risk that the asset allocations may not achieve the desired risk-return characteristic or that the selection of Underlying Funds and the allocations among them will result in the Fund underperforming other similar funds or cause an investor to lose money.


· Index Risk—The risk that the Fund’s performance may not correspond to its benchmark index for any period of time and may underperform such index or the overall financial market. Additionally, to the extent that the Fund’s investments vary from the composition of its benchmark index, the Fund’s performance could potentially vary from the index’s performance to a greater extent than if the Fund merely attempted to replicate the index.


· Underlying Funds Risks—The Fund is exposed to the risks of the Underlying Funds in which it invests in direct proportion to the amount of assets the Fund allocates to each Underlying Fund.


· Equity Underlying Funds Risks—The risks of investing in equity Underlying Funds include risks specific to their investment strategies, as well as risks related to the equity markets in general, such as:


· market risk—The risk that the price of equity investments may decline in response to general market and economic conditions or events, including conditions and developments outside of the financial markets;


· issuer risk—The risk that an issuer’s earnings prospects and overall financial position will deteriorate, causing a decline in the value of the issuer’s financial instruments over short or extended periods of time; and


· foreign investment risk—The increased risks of adverse issuer, political, regulatory, currency, market or economic developments compared to investments in U.S. issuers, which can result in greater market and price volatility.


· Fixed-Income Underlying Funds Risks—The risks of investing in fixed-income Underlying Funds include risks specific to their investment strategies, as well as risks related to the fixed-income markets in general, such as:


· interest rate risk—The risk that the value or yield of fixed-income investments may decline if interest rates change, which could adversely affect a Fund’s income or the value of its holdings;


· extension risk—The risk that during periods of rising interest rates, borrowers may pay off their mortgage loans later than expected, preventing a Fund from reinvesting principal proceeds at higher interest rates and resulting in less income than potentially available;


· issuer risk—The risk that an issuer’s earnings prospects and overall financial position will deteriorate, causing a decline in the value of the issuer’s financial instruments over short or extended periods of time;


· credit risk—The risk that a decline in an issuer’s financial position may prevent it from making principal and interest payments on fixed-income investments held by a Fund when due;


· credit spread risk—The risk that credit spreads (i.e., the difference in yield between securities that is due to differences in each security’s respective credit quality) may increase when market participants believe that bonds generally have a greater risk of default, which could result in a decline in the market values of a Fund’s debt securities;


· income volatility risk—The risk that the level of current income from a Fund’s portfolio of fixed-income securities may decline due to rapid and unpredictable changes in prevailing market interest rates; and


· call risk—The risk that, during periods of falling interest rates, an issuer may call (or repay) a fixed-income security prior to maturity, resulting in a decline in a Fund’s income.


· Active Management Risk—The risk that the strategy, investment selection or trading execution of Advisors could cause the Fund or an Underlying Fund to underperform its benchmark index or mutual funds with similar investment objectives.


· Fund of Funds Risk—The ability of the Fund to achieve its investment objective will depend in part upon the ability of the Underlying Funds to achieve their investment objectives. There can be no guarantee that any Underlying Fund will achieve its investment objective.


There can be no assurances that the Fund will achieve its investment objective. You should not consider the Fund to be a complete investment program. Please see the non-summary portion of the Prospectus for more detailed information about the risks described above, including the risks of the Underlying Funds.

Past performance

The following chart and table help illustrate some of the risks of investing in the Fund by showing changes in the Fund’s performance from year to year. The bar chart shows the annual total returns of the Retirement Class of the Fund, before taxes, in each full calendar year since inception of the Retirement Class. Because the expenses vary across share classes, the performance of the Retirement Class may vary from the other share classes. Below the bar chart are the best and worst returns of the Retirement Class for a calendar quarter during the full calendar-year periods covered by the bar chart. The performance table following the bar chart shows the Fund’s average annual total returns for the Retirement, Institutional, Advisor and Premier classes over the applicable one-year, five-year, ten-year and since-inception periods ended December 31, 2018, and how those returns compare to those of a broad-based securities market index and a composite index based on the Fund’s target allocations. After-tax performance is shown only for the Retirement Class shares, and after-tax returns for the other classes of shares will vary from the after-tax returns presented for Retirement Class shares.


The returns shown below reflect previous agreements by Advisors to waive or reimburse the Fund and certain Underlying Funds for certain fees and expenses. Without these waivers and reimbursements, the returns of the Fund would have been lower. Past performance of the Fund (before and after taxes) is not necessarily an indication of how it will perform in the future. The indices listed below are unmanaged, and you cannot invest directly in an index. The returns for the indices reflect no deduction for fees, expenses or taxes.


For current performance information of each share class, including performance to the most recent month-end, please visit www.tiaa.org.

ANNUAL TOTAL RETURNS FOR THE RETIREMENT CLASS SHARES (%)† Lifecycle Index 2030 Fund
Bar Chart

 The year-to-date return as of the most recent calendar quarter, which ended on June 30, 2019, was 13.26%.

Best quarter: 11.08%, for the quarter ended September 30, 2010. Worst quarter: -12.86%, for the quarter ended September 30, 2011.

AVERAGE ANNUAL TOTAL RETURNS For the Periods Ended December 31, 2018
Average Annual Returns - TIAA-CREF Lifecycle Index 2030 Fund
1 Year
5 Years
Since Inception
Inception Date
Retirement Class (5.27%) 4.71% 7.90% Sep. 30, 2009
Institutional Class (5.04%) 4.97% 8.17% Sep. 30, 2009
Advisor Class (5.14%) 4.82% [1] 7.96% [1] Dec. 04, 2015
Premier Class (5.21%) 4.82% 8.01% Sep. 30, 2009
After Taxes on Distributions | Retirement Class (5.91%) 4.06% 7.34%  
After Taxes on Distributions and Sale of Fund Shares | Retirement Class (2.85%) 3.51% 6.28%  
S&P Target Date 2030 Index (5.99%) 4.50% 7.71% [2]  
Lifecycle Index 2030 Fund Composite Index (reflects no deductions for fees, expenses or taxes) [3] (5.17%) 5.04% 8.28% [2]  
[1] The performance shown for the Advisor Class that is prior to its inception date is based on performance of the Fund's Retirement Class. The performance for these periods has not been restated to reflect the lower expenses of the Advisor Class.
[2] Performance is calculated from the inception date of the Retirement Class.
[3] As of the close of business on December 31, 2018, the Lifecycle Index 2030 Fund Composite Index consisted of: 47.9% Russell 3000® Index; 28.8% Bloomberg Barclays U.S. Aggregate Bond Index; 20.5% MSCI EAFE + Emerging Markets Index; 1.4% Bloomberg Barclays U.S. 1-3 Year Government/Credit Bond Index; and 1.4% Bloomberg Barclays U.S. Treasury Inflation Protected Securities (TIPS) 1-10 Year Index. The Fund's composite benchmark, the components that make up a composite benchmark and the method of calculating a composite benchmark's performance may vary over time.

Current performance of the Fund’s shares may be higher or lower than that shown above.


After-tax returns are calculated using the historical highest individual federal marginal income tax rates in effect during the periods shown and do not reflect the impact of state and local taxes. Actual after-tax returns depend on the investor’s tax situation and may differ from those shown. The after-tax returns shown are not relevant to investors who hold their Fund shares through tax-deferred arrangements such as 401(a), 401(k) or 403(b) plans or Individual Retirement Accounts (IRAs). After-tax returns are shown for only one class, and after-tax returns for other classes will vary.

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TIAA-CREF Lifecycle Index Retirement Income Fund
TIAA-CREF Lifecycle Index Retirement Income Fund
Investment objective

The Lifecycle Index Retirement Income Fund seeks high total return over time primarily through income,

with a secondary emphasis on capital appreciation.

Fees and expenses

This table describes the fees and expenses that you may pay if you buy and hold shares of the Fund. In addition to the fees and expenses described below, investors may be required to pay a commission to a broker-dealer or other financial intermediary on purchases and sales of Institutional Class or Advisor Class shares of the Fund.

SHAREHOLDER FEES (fees paid directly from your investment)
Shareholder Fees - TIAA-CREF Lifecycle Index Retirement Income Fund
Institutional Class
Advisor Class
Premier Class
Retirement Class
Maximum Sales Charge Imposed on Purchases (percentage of offering price) none none none none
Maximum Deferred Sales Charge none none none none
Maximum Sales Charge Imposed on Reinvested Dividends and Other Distributions none none none none
Redemption or Exchange Fee none none none none
Maximum Account Fee none none none none
ANNUAL FUND OPERATING EXPENSES (expenses that you pay each year as a percentage of the value of your investment)
Annual Fund Operating Expenses - TIAA-CREF Lifecycle Index Retirement Income Fund
Institutional Class
Advisor Class
Premier Class
Retirement Class
Management fees [1],[2] 0.19% 0.19% 0.19% 0.19%
Distribution (Rule 12b-1) fees     0.15%  
Other expenses [1],[2] 0.09% 0.17% 0.08% 0.34%
Total annual Fund operating expenses 0.28% 0.36% 0.42% 0.53%
Waivers and expense reimbursements [3],[4] (0.18%) (0.18%) (0.17%) (0.18%)
Total annual Fund operating expenses after fee waiver and/or expense reimbursement 0.10% 0.18% 0.25% 0.35%
[1] Portions of the Management fees and Other expenses are based on expenses originally incurred by Class W shares of the Underlying Funds (as defined below) of the Trust, which have been incurred directly by the Fund pursuant to certain contractual arrangements intended to reallocate directly to the Fund certain fees and expenses that had been paid by the Underlying Funds of the Trust. For additional information, please see the "Management of the Funds" section of this Prospectus.
[2] Restated to reflect estimates for the current fiscal year.
[3] Advisors has contractually agreed to waive 0.102% of the Fund's Management fee. This waiver will remain in effect through September 30, 2020, unless changed with the approval of the Board of Trustees.
[4] Under the Fund's expense reimbursement arrangements, the Fund's investment adviser, Teachers Advisors, LLC ("Advisors"), has contractually agreed to reimburse the Fund for any Total annual Fund operating expenses (excluding interest, taxes, brokerage commissions or other transactional expenses, Acquired Fund fees and expenses, extraordinary expenses and any expenses originally attributable to Class W shares of the Underlying Funds of the Trust that were incurred directly by the Fund) that exceed: (i) 0.00% of average daily net assets for Institutional Class shares; (ii) 0.15% of average daily net assets for Advisor Class shares; (iii) 0.15% of average daily net assets for Premier Class shares; and (iv) 0.25% of average daily net assets for Retirement Class shares of the Fund. These expense reimbursement arrangements will continue through at least September 30, 2020, unless changed with approval of the Board of Trustees.
Example

This example is intended to help you compare the cost of investing in shares of the Fund with the cost of investing in other mutual funds. The example assumes that you invest $10,000 in the Fund for the time periods indicated and then redeem all your shares at the end of those periods. The example also assumes that your investment has a 5% return each year and that the Fund’s operating expenses, before fee waivers and/or expense reimbursements, remain the same. The example assumes that the Fund’s fee waiver and/or expense reimbursement arrangements will each remain in place for the durations noted in the table above. Although your actual costs may be higher or lower, based on these assumptions your costs would be:

Expense Example - TIAA-CREF Lifecycle Index Retirement Income Fund - USD ($)
Institutional Class
Advisor Class
Premier Class
Retirement Class
1 year $ 10 $ 18 $ 26 $ 36
3 years 72 97 118 152
5 years 139 184 218 278
10 years $ 338 $ 438 $ 513 $ 648
Portfolio turnover

The Fund pays transaction costs, such as commissions, when it buys and sells securities (or “turns over” its portfolio). A higher portfolio turnover rate may indicate higher transaction costs and may result in higher taxes when Fund shares are held in a taxable account. These costs, which are not reflected in annual fund operating expenses or in the example, affect the Fund’s performance. During the fiscal year ended May 31, 2019, the Fund’s portfolio turnover rate was 23% of the average value of its portfolio.

Principal investment strategies

The Fund is a “fund of funds” that invests in Class W shares of other funds of the Trust and potentially in other investment pools or investment products, including other funds advised by the Fund’s investment adviser, Teachers Advisors, LLC (“Advisors”), or its affiliates (collectively, the “Underlying Funds”). The Fund invests in Underlying Funds according to a relatively stable asset allocation strategy that will not gradually adjust over time and is designed for investors who are already in retirement (i.e., have already passed their retirement year) and may have begun taking systematic withdrawals upon retirement. The Fund has a policy of investing at least 80% of its assets in Underlying Funds that are managed to seek investment returns that track particular market indices. For purposes of the 80% investment policy, the term “assets” means net assets, plus the amount of any borrowings for investment purposes.


Advisors currently expects to allocate approximately 40% of the Fund’s assets to equity Underlying Funds and 60% of its assets to fixed-income Underlying Funds. These allocations represent targets for equity and fixed-income asset classes. Target allocations may be changed and actual allocations may vary up to ten percentage points from the targets. Within the equity and fixed-income asset classes, Advisors allocates the Fund’s investments to particular market sectors (U.S. equity, international equity, fixed-income, short-term fixed-income and inflation-protected assets) represented by various Underlying Funds. These market sector allocations may vary by up to 10% from the Fund’s target market sector allocations. The Fund’s current target market sector allocations for June 30, 2020, which may change, are approximately as follows: U.S. Equity: 28.00%; International Equity: 12.00%; Fixed-Income: 40.00%; Short-Term Fixed-Income: 10.00%; and Inflation-Protected Assets: 10.00%. The asset class and market sector names used herein are intended to reflect the primary type of investment of the Underlying Funds within each of these categories.


The Fund’s target market sector allocations to Underlying Funds may include the TIAA-CREF Equity Index Fund (U.S. Equity); Emerging Markets Equity Index Fund and International Equity Index Fund (International Equity); Bond Index Fund (Fixed-Income); Short-Term Bond Index Fund (Short-Term Fixed-Income) and Inflation-Linked Bond Fund (Inflation-Protected Assets).


Additional or replacement Underlying Funds for each market sector, as well as additional or replacement market sectors, may be included when making future allocations if Advisors believes that such Underlying Funds and/or market sectors are appropriate in light of the Fund’s desired levels of risk and potential return at the particular time. The Fund’s portfolio management team may also add a new market sector if it believes that will help to achieve the Fund’s investment objective. The relative allocations among Underlying Funds within a market sector may be changed at any time without notice to shareholders. If 10% or more of the Fund’s assets are expected to be invested in any Underlying Fund or market sector not listed above, shareholders will receive prior notice of such change. Investors should note that the Fund has a significant level of equity exposure and this exposure could cause fluctuation in the value of the Fund depending on the performance of the equity markets generally.


The Fund’s asset class allocations, market sector allocations within each asset class, and Underlying Fund allocations within each market sector, as of June 30, 2019, are listed in the chart below. The Fund has relatively fixed asset allocations that will not gradually adjust over time. Underlying Fund allocations may change from year to year.


        

Asset Class

Allocation

  

Market Sector

Allocation

 

Underlying Funds

Allocation

Equity

40.69%

 

U.S. Equity

28.54%

 

Ÿ Equity Index Fund

28.54%

   

International Equity

12.15%

 

Ÿ International Equity Index Fund

8.71%

      

Ÿ Emerging Markets Equity Index Fund

3.44%

Fixed-Income

59.31%

 

Fixed-Income

39.57%

 

Ÿ Bond Index Fund

39.57%

   

Short-Term
Fixed-Income

9.85%

 

Ÿ Short-Term Bond Index Fund

9.85%

   

Inflation-
Protected Assets

9.89%

 

Ÿ Inflation-Linked Bond Fund

9.89%


        

Total

100.00%

  

100.00%

  

100.00%

Principal investment risks

You could lose money over short or long periods by investing in this Fund. An investment in the Fund, due to the nature of the Fund’s portfolio holdings, typically is subject to the following principal investment risks:


· Asset Allocation Risk—The risk that the Fund may not achieve its target allocations. In addition, there is the risk that the asset allocations may not achieve the desired risk-return characteristic or that the selection of Underlying Funds and the allocations among them will result in the Fund underperforming other similar funds or cause an investor to lose money.


· Index Risk—The risk that the Fund’s performance may not correspond to its benchmark index for any period of time and may underperform such index or the overall financial market. Additionally, to the extent that the Fund’s investments vary from the composition of its benchmark index, the Fund’s performance could potentially vary from the index’s performance to a greater extent than if the Fund merely attempted to replicate the index.


· Underlying Funds Risks—The Fund is exposed to the risks of the Underlying Funds in which it invests in direct proportion to the amount of assets the Fund allocates to each Underlying Fund.


· Equity Underlying Funds Risks—The risks of investing in equity Underlying Funds include risks specific to their investment strategies, as well as risks related to the equity markets in general, such as:


· market risk—The risk that the price of equity investments may decline in response to general market and economic conditions or events, including conditions and developments outside of the financial markets;


· issuer risk—The risk that an issuer’s earnings prospects and overall financial position will deteriorate, causing a decline in the value of the issuer’s financial instruments over short or extended periods of time; and


· foreign investment risk—The increased risks of adverse issuer, political, regulatory, currency, market or economic developments compared to investments in U.S. issuers, which can result in greater market and price volatility.


· Fixed-Income Underlying Funds Risks—The risks of investing in fixed-income Underlying Funds include risks specific to their investment strategies, as well as risks related to the fixed-income markets in general, such as:


· interest rate risk—The risk that the value or yield of fixed-income investments may decline if interest rates change, which could adversely affect a Fund’s income or the value of its holdings;


· extension risk—The risk that during periods of rising interest rates, borrowers may pay off their mortgage loans later than expected, preventing a Fund from reinvesting principal proceeds at higher interest rates and resulting in less income than potentially available;


· issuer risk—The risk that an issuer’s earnings prospects and overall financial position will deteriorate, causing a decline in the value of the issuer’s financial instruments over short or extended periods of time;


· credit risk—The risk that a decline in an issuer’s financial position may prevent it from making principal and interest payments on fixed-income investments held by a Fund when due;


· credit spread risk—The risk that credit spreads (i.e., the difference in yield between securities that is due to differences in each security’s respective credit quality) may increase when market participants believe that bonds generally have a greater risk of default, which could result in a decline in the market values of a Fund’s debt securities;


· income volatility risk—The risk that the level of current income from a Fund’s portfolio of fixed-income securities may decline due to rapid and unpredictable changes in prevailing market interest rates; and


· call risk—The risk that, during periods of falling interest rates, an issuer may call (or repay) a fixed-income security prior to maturity, resulting in a decline in a Fund’s income.


· Active Management Risk—The risk that the strategy, investment selection or trading execution of Advisors could cause the Fund or an Underlying Fund to underperform its benchmark index or mutual funds with similar investment objectives.


· Fund of Funds Risk—The ability of the Fund to achieve its investment objective will depend in part upon the ability of the Underlying Funds to achieve their investment objectives. There can be no guarantee that any Underlying Fund will achieve its investment objective.


There can be no assurances that the Fund will achieve its investment objective. You should not consider the Fund to be a complete investment program. Please see the non-summary portion of the Prospectus for more detailed information about the risks described above, including the risks of the Underlying Funds.

Past performance

The following chart and table help illustrate some of the risks of investing in the Fund by showing changes in the Fund’s performance from year to year. The bar chart shows the annual total returns of the Retirement Class of the Fund, before taxes, in each full calendar year since inception of the Retirement Class. Because the expenses vary across share classes, the performance of the Retirement Class may vary from the other share classes. Below the bar chart are the best and worst returns of the Retirement Class for a calendar quarter during the full calendar-year periods covered by the bar chart. The performance table following the bar chart shows the Fund’s average annual total returns for the Retirement, Institutional, Advisor and Premier classes over the applicable one-year, five-year, ten-year and since-inception periods ended December 31, 2018, and how those returns compare to those of a broad-based securities market index and a composite index based on the Fund’s target allocations. After-tax performance is shown only for the Retirement Class shares, and after-tax returns for the other classes of shares will vary from the after-tax returns presented for Retirement Class shares.


The returns shown below reflect previous agreements by Advisors to waive or reimburse the Fund and certain Underlying Funds for certain fees and expenses. Without these waivers and reimbursements, the returns of the Fund would have been lower. Past performance of the Fund (before and after taxes) is not necessarily an indication of how it will perform in the future. The indices listed below are unmanaged, and you cannot invest directly in an index. The returns for the indices reflect no deduction for fees, expenses or taxes.


For current performance information of each share class, including performance to the most recent month-end, please visit www.tiaa.org.

ANNUAL TOTAL RETURNS FOR THE RETIREMENT CLASS SHARES (%)† Lifecycle Index Retirement Income Fund
Bar Chart

 The year-to-date return as of the most recent calendar quarter, which ended on June 30, 2019, was 9.85%.

Best quarter: 6.74%, for the quarter ended September 30, 2010. Worst quarter: -4.69%, for the quarter ended September 30, 2011.

AVERAGE ANNUAL TOTAL RETURNS For the Periods Ended December 31, 2018
Average Annual Returns - TIAA-CREF Lifecycle Index Retirement Income Fund
1 Year
5 Years
Since Inception
Inception Date
Retirement Class (2.90%) 3.52% 5.49% Sep. 30, 2009
Institutional Class (2.65%) 3.79% 5.76% Sep. 30, 2009
Advisor Class (2.67%) 3.66% [1] 5.57% [1] Dec. 04, 2015
Premier Class (2.80%) 3.62% 5.60% Sep. 30, 2009
After Taxes on Distributions | Retirement Class (3.74%) 2.78% 4.77%  
After Taxes on Distributions and Sale of Fund Shares | Retirement Class (1.52%) 2.47% 4.12%  
S&P Target Date Retirement Income Index (2.54%) 3.06% 4.75% [2]  
Lifecycle Index Retirement Income Fund Composite Index (reflects no deductions for fees, expenses or taxes) [3] (2.83%) 3.84% 5.88% [2]  
[1] The performance shown for the Advisor Class that is prior to its inception date is based on performance of the Fund's Retirement Class. The performance for these periods has not been restated to reflect the lower expenses of the Advisor Class.
[2] Performance is calculated from the inception date of the Retirement Class.
[3] As of the close of business on December 31, 2018, the Lifecycle Index Retirement Income Fund Composite Index consisted of: 40.0% Bloomberg Barclays U.S. Aggregate Bond Index; 28.0% Russell 3000® Index; 12.0% MSCI EAFE + Emerging Markets Index; 10.0% Bloomberg Barclays U.S. 1-3 Year Government/Credit Bond Index; and 10.0% Bloomberg Barclays U.S. Treasury Inflation Protected Securities (TIPS) 1-10 Year Index. The Fund's composite benchmark, the components that make up a composite benchmark and the method of calculating a composite benchmark's performance may vary over time.

Current performance of the Fund’s shares may be higher or lower than that shown above.


After-tax returns are calculated using the historical highest individual federal marginal income tax rates in effect during the periods shown and do not reflect the impact of state and local taxes. Actual after-tax returns depend on the investor’s tax situation and may differ from those shown. The after-tax returns shown are not relevant to investors who hold their Fund shares through tax-deferred arrangements such as 401(a), 401(k) or 403(b) plans or Individual Retirement Accounts (IRAs). After-tax returns are shown for only one class, and after-tax returns for other classes will vary.

XML 31 R72.htm IDEA: XBRL DOCUMENT v3.19.3
TIAA-CREF Lifecycle 2055 Fund
TIAA-CREF Lifecycle 2055 Fund
Investment objective

The Lifecycle 2055 Fund seeks high total return over time through a combination of capital appreciation and income.

Fees and expenses

This table describes the fees and expenses that you may pay if you buy and hold shares of the Fund. In addition to the fees and expenses described below, investors may be required to pay a commission to a broker-dealer or other financial intermediary on purchases and sales of Institutional Class or Advisor Class shares of the Fund.

SHAREHOLDER FEES (fees paid directly from your investment)
Shareholder Fees - TIAA-CREF Lifecycle 2055 Fund
Institutional Class
Advisor Class
Premier Class
Retirement Class
Maximum sales charge imposed on purchases (percentage of offering price) none none none none
Maximum deferred sales charge none none none none
Maximum sales charge imposed on reinvested dividends and other distributions none none none none
Redemption or exchange fee none none none none
Maximum account fee none none none none
ANNUAL FUND OPERATING EXPENSES (expenses that you pay each year as a percentage of the value of your investment)
Annual Fund Operating Expenses - TIAA-CREF Lifecycle 2055 Fund
Institutional Class
Advisor Class
Premier Class
Retirement Class
Management fees [1],[2] 0.50% 0.50% 0.50% 0.50%
Distribution (Rule 12b-1) fees     0.15%  
Other expenses [1],[2] 0.06% 0.14% 0.06% 0.31%
Acquired Fund fees and expenses [3] 0.03% 0.03% 0.03% 0.03%
Total annual Fund operating expenses 0.59% 0.67% 0.74% 0.84%
Waivers and expense reimbursements [4],[5] (0.14%) (0.14%) (0.14%) (0.14%)
Total annual Fund operating expenses after fee waiver and/or expense reimbursement 0.45% 0.53% 0.60% 0.70%
[1] Portions of the Management fees and Other expenses are based on expenses originally incurred by Class W shares of the Underlying Funds (as defined below) of the Trust, which have been incurred directly by the Fund pursuant to certain contractual arrangements intended to reallocate directly to the Fund certain fees and expenses that had been paid by the Underlying Funds of the Trust. For additional information, please see the "Management of the Funds" section of this Prospectus.
[2] Restated to reflect estimates for the current fiscal year.
[3] "Acquired Fund fees and expenses" are the Fund's proportionate amount of the expenses of any investment companies or pools in which it invests (excluding expenses originally incurred by Class W of the Underlying Funds of the Trust that have been incurred directly by the Fund, which are instead reflected in Management fees and Other expenses). These expenses are not paid directly by Fund shareholders. Instead, Fund shareholders bear these expenses indirectly because they reduce Fund performance. Because "Acquired Fund fees and expenses" are included in the chart above, the Fund's operating expenses here will not correlate with the expenses included in the Financial highlights in this Prospectus and the Fund's annual report.
[4] Advisors has contractually agreed to waive 0.10% of the Fund's Management fee. This waiver will remain in effect through September 30, 2022, unless changed with the approval of the Board of Trustees.
[5] Under the Fund's expense reimbursement arrangements, the Fund's investment adviser, Teachers Advisors, LLC ("Advisors"), has contractually agreed to reimburse the Fund for any Total annual Fund operating expenses (excluding interest, taxes, brokerage commissions or other transactional expenses, Acquired Fund fees and expenses, extraordinary expenses and any expenses originally attributable to Class W shares of the Underlying Funds of the Trust that were incurred directly by the Fund) that exceed: (i) 0.00% of average daily net assets for Institutional Class shares; (ii) 0.15% of average daily net assets for Advisor Class shares; (iii) 0.15% of average daily net assets for Premier Class shares; and (iv) 0.25% of average daily net assets for Retirement Class shares of the Fund. These expense reimbursement arrangements will continue through at least September 30, 2020, unless changed with approval of the Board of Trustees.
Example

This example is intended to help you compare the cost of investing in shares of the Fund with the cost of investing in other mutual funds. The example assumes that you invest $10,000 in the Fund for the time periods indicated and then redeem all your shares at the end of those periods. The example also assumes that your investment has a 5% return each year and that the Fund’s operating expenses, before fee waivers and/or expense reimbursements, remain the same. The example assumes that the Fund’s fee waiver and/or expense reimbursement arrangements will each remain in place for the durations noted in the table above. Although your actual costs may be higher or lower, based on these assumptions your costs would be:

Expense Example - TIAA-CREF Lifecycle 2055 Fund - USD ($)
Institutional Class
Advisor Class
Premier Class
Retirement Class
1 year $ 46 $ 54 $ 61 $ 72
3 years 153 179 201 233
5 years 294 338 376 431
10 years $ 704 $ 801 $ 885 $ 1,004
Portfolio turnover

The Fund pays transaction costs, such as commissions, when it buys and sells securities (or “turns over” its portfolio). A higher portfolio turnover rate may indicate higher transaction costs and may result in higher taxes when Fund shares are held in a taxable account. These costs, which are not reflected in annual fund operating expenses or in the example, affect the Fund’s performance. During the fiscal year ended May 31, 2019, the Fund’s portfolio turnover rate was 10% of the average value of its portfolio.

Principal investment strategies

The Fund is a “fund of funds” that invests in Class W shares of other funds of the Trust and in other investment pools or investment products, potentially including other funds advised by the Fund’s investment adviser, Teachers Advisors, LLC (“Advisors”), or its affiliates (collectively, the “Underlying Funds”). In general, the Fund is designed for investors who have an approximate target retirement year in mind, and the Fund’s investments are adjusted from more aggressive to more conservative over time as the Fund’s target retirement year approaches and for approximately 30 years afterwards. The Fund invests in Underlying Funds according to an asset allocation strategy designed for investors retiring in, or planning to retire within a few years of, 2055 and who may begin taking systematic withdrawals upon retirement.


Advisors currently expects to allocate approximately 92.50% of the Fund’s assets to equity Underlying Funds, 2.50% of its assets to fixed-income Underlying Funds and 5.00% of its assets to direct real estate Underlying Funds. These allocations represent targets for equity, fixed-income and direct real estate asset classes. Target allocations will change over time and actual allocations may vary up to ten percentage points from the targets. The target allocations along the investment glidepath, illustrated in the chart below, gradually become more conservative, moving to target allocations of approximately 45.00% equity/50.00% fixed-income/5.00% direct real estate in the Fund’s target retirement year of 2055 and reaching the Fund’s final target allocation of approximately 20.00% equity/80.00% fixed-income/0.00% direct real estate in 2085. Within the equity, fixed-income and direct real estate asset classes, Advisors allocates the Fund’s investments to particular market sectors (U.S. equity, international equity, fixed-income, short-term fixed-income, inflation-protected assets and direct real estate) represented by various Underlying Funds. These market sector allocations may vary by up to 10% from the Fund’s target market sector allocations. The Fund’s current target market sector allocations for June 30, 2020, which will change over time, are approximately as follows: U.S. Equity: 64.75%; International Equity: 27.75%; Fixed-Income: 2.50%; Short-Term Fixed-Income: 0.00%; Inflation-Protected Assets: 0.00%; and Direct Real Estate: 5.00%. The asset class and market sector names used herein are intended to reflect the primary type of investment of the Underlying Funds within each of these categories.


The Fund’s target market sector allocations to Underlying Funds may include the TIAA-CREF Growth & Income Fund, Large-Cap Growth Fund, Large-Cap Value Fund, Quant Large-Cap Growth Fund, Quant Large-Cap Value Fund, Quant Small-Cap Equity Fund and Quant Small/Mid-Cap Equity Fund (U.S. Equity); Emerging Markets Equity Fund, International Equity Fund, International Opportunities Fund, Quant International Equity Fund and Quant International Small-Cap Equity Fund (International Equity); Bond Fund, Bond Plus Fund, Emerging Markets Debt Fund, High-Yield Fund and International Bond Fund (Fixed-Income); Money Market Fund and Short-Term Bond Fund (Short-Term Fixed-Income); Inflation-Linked Bond Fund (Inflation-Protected Assets); and Real Property Fund LP (Direct Real Estate). TIAA-CREF Real Property Fund LP is a private fund, which is not available for investment by the general public; it is currently offered exclusively to investment pools or investment products managed by Advisors or its affiliates.


Additional or replacement Underlying Funds for each market sector, as well as additional or replacement market sectors, may be included when making future allocations if Advisors believes that such Underlying Funds and/or market sectors are appropriate in light of the Fund’s desired levels of risk and potential return at the particular time. The Fund’s portfolio management team may also add a new market sector if it believes that will help to achieve the Fund’s investment objective. The relative allocations among Underlying Funds within a market sector may be changed at any time without notice to shareholders, and the portfolio management team may use tactical allocation to take advantage of short to intermediate term opportunities through a combination of positions in Underlying Funds. If 10% or more of the Fund’s assets are expected to be invested in any Underlying Fund or market sector not listed above, shareholders will receive prior notice of such change.


The Fund’s asset class allocations, market sector allocations within each asset class, and Underlying Fund allocations within each market sector, as of June 30, 2019, are listed in the chart below. These allocations will change over time. Underlying Fund allocations in particular may change from year to year.


        

Asset Class

Allocation

  

Market Sector

Allocation

 

Underlying Funds

Allocation

Equity

92.85%

 

U.S. Equity

65.09%

 

Ÿ Growth & Income Fund

13.65%

      

Ÿ Large-Cap Growth Fund

12.32%

      

Ÿ Large-Cap Value Fund

11.94%

      

Ÿ Quant Large-Cap Growth Fund

10.76%

      

Ÿ Quant Large-Cap Value Fund

10.46%

      

Ÿ Quant Small-Cap Equity Fund

3.34%

      

Ÿ Quant Small/Mid-Cap Equity Fund

2.62%

   

International Equity

27.76%

 

Ÿ Quant International Equity Fund

7.25%

      

Ÿ International Equity Fund

6.04%

      

Ÿ International Opportunities Fund

6.02%

      

Ÿ Emerging Markets Equity Fund

4.75%

      

Ÿ Quant International Small-Cap Equity Fund

3.70%

Fixed-Income

2.55%

 

Fixed-Income

2.55%

 

Ÿ Bond Fund

1.34%

      

Ÿ Bond Plus Fund

0.83%

      

Ÿ Emerging Markets Debt Fund

0.19%

      

Ÿ International Bond Fund

0.13%

      

Ÿ High-Yield Fund

0.06%

Real Estate

4.60%

 

Direct Real Estate

4.60%

 

Ÿ TIAA-CREF Real Property Fund LP

4.60%


        

Total

100.00%

  

100.00%

  

100.00%


The following chart shows how the investment glidepath for the Fund is expected to gradually move the Fund’s target allocations over time between the different target market sector allocations. The actual market sector allocations of the Fund may differ from this chart. The Fund seeks to achieve its final target market sector allocations approximately 30 years following the target date.


Lifecycle Funds Glidepath as of June 30, 2020
Years to Target Retirement Date US Equities International Equities Direct Real Estate Fixed Income Short Term Fixed Income Inflation Protected Bonds
45 66.50% 28.50% 5.00% 0.00% 0.00% 0.00%
40 65.62% 28.13% 5.00% 1.25% 0.00% 0.00%
35 64.75% 27.75% 5.00% 2.50% 0.00% 0.00%
30 63.87% 27.38% 5.00% 3.75% 0.00% 0.00%
25 63.00% 27.00% 5.00% 5.00% 0.00% 0.00%
20 56.70% 24.30% 5.00% 14.00% 0.00% 0.00%
15 50.40% 21.60% 5.00% 23.00% 0.00% 0.00%
10 44.10% 18.90% 5.00% 28.00% 2.00% 2.00%
5 37.80% 16.20% 5.00% 33.00% 4.00% 4.00%
0 31.50% 13.50% 5.00% 38.00% 6.00% 6.00%
-5 28.00% 12.00% 5.00% 39.00% 8.00% 8.00%
-10 24.50% 10.50% 5.00% 40.00% 10.00% 10.00%
-15 22.75% 9.75% 2.50% 40.00% 15.00% 10.00%
-20 21.00% 9.00% 0.00% 40.00% 20.00% 10.00%
-25 17.50% 7.50% 0.00% 40.00% 25.00% 10.00%
-30 14.00% 6.00% 0.00% 40.00% 30.00% 10.00%

The Fund is designed to accommodate investors who invest in a fund up to their target retirement date, and plan to make gradual systematic withdrawals in retirement. In addition, investors should note that the Fund will continue to have a significant level of equity exposure up to, through and after its target retirement date, and this exposure could cause significant fluctuations in the value of the Fund depending on the performance of the equity markets generally.


After the Fund reaches its final target allocation, the Board of Trustees may authorize the merger of the Fund into another Lifecycle Fund which has also reached its final target allocation or other similar fund designed to maintain a relatively stable asset allocation reflecting the resting point on the glidepath described in the chart above. Fund shareholders will receive prior notice of any such merger.

Principal investment risks

You could lose money over short or long periods by investing in this Fund. An investment in the Fund, due to the nature of the Fund’s portfolio holdings, typically is subject to the following principal investment risks:


· Asset Allocation Risk—The risk that the Fund may not achieve its target allocations. In addition, there is the risk that the asset allocations may not achieve the desired risk-return characteristic or that the selection of Underlying Funds and the allocations among them will result in the Fund underperforming other similar funds or cause an investor to lose money.


· Underlying Funds Risks—The Fund is exposed to the risks of the Underlying Funds in which it invests in direct proportion to the amount of assets the Fund allocates to each Underlying Fund.


· Equity Underlying Funds Risks—The risks of investing in equity Underlying Funds include risks specific to their investment strategies, as well as risks related to the equity markets in general, such as:


· market risk—The risk that the price of equity investments may decline in response to general market and economic conditions or events, including conditions and developments outside of the financial markets;


· issuer risk—The risk that an issuer’s earnings prospects and overall financial position will deteriorate, causing a decline in the value of the issuer’s financial instruments over short or extended periods of time; and


· foreign investment risk—The increased risks of adverse issuer, political, regulatory, currency, market or economic developments compared to investments in U.S. issuers, which can result in greater market and price volatility.


· Fixed-Income Underlying Funds Risks—The risks of investing in fixed-income Underlying Funds include risks specific to their investment strategies, as well as risks related to the fixed-income markets in general, such as:


· interest rate risk—The risk that the value or yield of fixed-income investments may decline if interest rates change, which could adversely affect a Fund’s income or the value of its holdings;


· extension risk—The risk that during periods of rising interest rates, borrowers may pay off their mortgage loans later than expected, preventing a Fund from reinvesting principal proceeds at higher interest rates and resulting in less income than potentially available;


· issuer risk—The risk that an issuer’s earnings prospects and overall financial position will deteriorate, causing a decline in the value of the issuer’s financial instruments over short or extended periods of time;


· credit risk—The risk that a decline in an issuer’s financial position may prevent it from making principal and interest payments on fixed-income investments held by a Fund when due;


· credit spread risk—The risk that credit spreads (i.e., the difference in yield between securities that is due to differences in each security’s respective credit quality) may increase when market participants believe that bonds generally have a greater risk of default, which could result in a decline in the market values of a Fund’s debt securities;


· income volatility risk—The risk that the level of current income from a Fund’s portfolio of fixed-income securities may decline due to rapid and unpredictable changes in prevailing market interest rates; and


· call risk—The risk that, during periods of falling interest rates, an issuer may call (or repay) a fixed-income security prior to maturity, resulting in a decline in a Fund’s income.


· Direct Real Estate Underlying Funds Risks—The risks of investing in direct real estate Underlying Funds include risks specific to their investment strategies, as well as risks related to investing in real estate in general, such as:


· real estate-related investment risk—The risks associated with exposure to direct real estate through investing in investment vehicles managed by Advisors that will primarily invest directly in real estate, which can include declines in real estate values or revenues, uninsured losses at properties, the absence of regulatory oversight of and a secondary market for interests in direct real estate Underlying Funds, a scarcity of interests issued by direct real estate Underlying Funds, making it difficult for the Fund to achieve its target allocation, and illiquidity of interests in direct real estate Underlying Funds.


· Active Management Risk—The risk that the strategy, investment selection or trading execution of Advisors could cause the Fund or an Underlying Fund to underperform its benchmark index or mutual funds with similar investment objectives.


· Fund of Funds Risk—The ability of the Fund to achieve its investment objective will depend in part upon the ability of the Underlying Funds to achieve their investment objectives. There can be no guarantee that any Underlying Fund will achieve its investment objective.


There can be no assurances that the Fund will achieve its investment objective. You should not consider the Fund to be a complete investment program. Please see the non-summary portion of the Prospectus for more detailed information about the risks described above, including the risks of the Underlying Funds.

Past performance

The following chart and table help illustrate some of the risks of investing in the Fund by showing changes in the Fund’s performance from year to year. The bar chart shows the annual total returns of the Retirement Class of the Fund, before taxes, in each full calendar year since inception of the Retirement Class. Because the expenses vary across share classes, the performance of the Retirement Class may vary from the other share classes. Below the bar chart are the best and worst returns of the Retirement Class for a calendar quarter during the full calendar-year periods covered by the bar chart. The performance table following the bar chart shows the Fund’s average annual total returns for the Retirement, Institutional, Advisor and Premier classes over the applicable one-year, five-year, ten-year and since-inception periods ended December 31, 2018, and how those returns compare to those of a broad-based securities market index and a composite index that represents the market sectors in which the Fund invests across the equity and fixed-income asset classes. After-tax performance is shown only for the Retirement Class shares, and after-tax returns for the other classes of shares will vary from the after-tax returns presented for Retirement Class shares.


The returns shown below reflect previous agreements by Advisors to waive or reimburse the Fund and certain Underlying Funds for certain fees and expenses. Without these waivers and reimbursements, the returns of the Fund would have been lower. Past performance of the Fund (before and after taxes) is not necessarily an indication of how it will perform in the future. The indices listed below are unmanaged, and you cannot invest directly in an index. The returns for the indices reflect no deduction for fees, expenses or taxes.


For current performance information of each share class, including performance to the most recent month-end, please visit www.tiaa.org.

ANNUAL TOTAL RETURNS FOR THE RETIREMENT CLASS SHARES (%)† Lifecycle 2055 Fund
Bar Chart

 The year-to-date return as of the most recent calendar quarter, which ended on June 30, 2019, was 16.40%.

Best quarter: 12.82%, for the quarter ended March 31, 2012. Worst quarter: -14.52%, for the quarter ended December 31, 2018.

AVERAGE ANNUAL TOTAL RETURNS For the Periods Ended December 31, 2018
Average Annual Returns - TIAA-CREF Lifecycle 2055 Fund
1 Year
5 Years
Since Inception
Inception Date
Retirement Class (10.13%) 4.63% 6.64% Apr. 29, 2011
Institutional Class (9.86%) 4.89% 6.91% Apr. 29, 2011
Advisor Class (9.87%) 4.79% [1] 6.75% [1] Dec. 04, 2015
Premier Class (10.10%) 4.72% 6.74% Apr. 29, 2011
After Taxes on Distributions | Retirement Class (11.10%) 3.53% 5.61%  
After Taxes on Distributions and Sale of Fund Shares | Retirement Class (5.40%) 3.41% 5.06%  
S&P Target Date 2055 Index (7.97%) 5.07% 6.82% [2]  
Lifecycle 2055 Fund Composite Index (reflects no deductions for fees, expenses or taxes) [3] (7.48%) 5.65% 7.40% [2]  
[1] The performance shown for the Advisor Class that is prior to its inception date is based on performance of the Fund's Retirement Class. The performance for these periods has not been restated to reflect the lower expenses of the Advisor Class.Performance is calculated from the inception date of the Retirement Class.
[2] Performance is calculated from the inception date of the Retirement Class.
[3] As of the close of business on December 31, 2018, the Lifecycle 2055 Fund Composite Index consisted of: 65.0% Russell 3000® Index; 27.9% MSCI All Country World Index ex USA Investable Market Index; and 7.1% Bloomberg Barclays U.S. Aggregate Bond Index. The Fund's composite benchmark, the components that make up a composite benchmark and the method of calculating a composite benchmark's performance may vary over time.

Current performance of the Fund’s shares may be higher or lower than that shown above.


After-tax returns are calculated using the historical highest individual federal marginal income tax rates in effect during the periods shown and do not reflect the impact of state and local taxes. Actual after-tax returns depend on the investor’s tax situation and may differ from those shown. The after-tax returns shown are not relevant to investors who hold their Fund shares through tax-deferred arrangements such as 401(a), 401(k) or 403(b) plans or Individual Retirement Accounts (IRAs). After-tax returns are shown for only one class, and after-tax returns for other classes will vary.

XML 32 R106.htm IDEA: XBRL DOCUMENT v3.19.3
Label Element Value
TIAA-CREF Lifecycle Index 2015 Fund  
Risk/Return: rr_RiskReturnAbstract  
Risk/Return [Heading] rr_RiskReturnHeading TIAA-CREF Lifecycle Index 2015 Fund
Objective [Heading] rr_ObjectiveHeading Investment objective
Objective, Primary [Text Block] rr_ObjectivePrimaryTextBlock

The Lifecycle Index 2015 Fund seeks high total return over time through a combination of capital appreciation and income.

Expense [Heading] rr_ExpenseHeading Fees and expenses
Expense Narrative [Text Block] rr_ExpenseNarrativeTextBlock

This table describes the fees and expenses that you may pay if you buy and hold shares of the Fund. In addition to the fees and expenses described below, investors may be required to pay a commission to a broker-dealer or other financial intermediary on purchases and sales of Institutional Class or Advisor Class shares of the Fund.

Shareholder Fees Caption [Text] rr_ShareholderFeesCaption SHAREHOLDER FEES (fees paid directly from your investment)
Operating Expenses Caption [Text] rr_OperatingExpensesCaption ANNUAL FUND OPERATING EXPENSES (expenses that you pay each year as a percentage of the value of your investment)
Portfolio Turnover [Heading] rr_PortfolioTurnoverHeading Portfolio turnover
Portfolio Turnover [Text Block] rr_PortfolioTurnoverTextBlock

The Fund pays transaction costs, such as commissions, when it buys and sells securities (or “turns over” its portfolio). A higher portfolio turnover rate may indicate higher transaction costs and may result in higher taxes when Fund shares are held in a taxable account. These costs, which are not reflected in annual fund operating expenses or in the example, affect the Fund’s performance. During the fiscal year ended May 31, 2019, the Fund’s portfolio turnover rate was 17% of the average value of its portfolio.

Portfolio Turnover, Rate rr_PortfolioTurnoverRate 17.00%
Expenses Restated to Reflect Current [Text] rr_ExpensesRestatedToReflectCurrent Restated to reflect estimates for the current fiscal year.
Expense Example [Heading] rr_ExpenseExampleHeading Example
Expense Example Narrative [Text Block] rr_ExpenseExampleNarrativeTextBlock

This example is intended to help you compare the cost of investing in shares of the Fund with the cost of investing in other mutual funds. The example assumes that you invest $10,000 in the Fund for the time periods indicated and then redeem all your shares at the end of those periods. The example also assumes that your investment has a 5% return each year and that the Fund’s operating expenses, before fee waivers and/or expense reimbursements, remain the same. The example assumes that the Fund’s fee waiver and/or expense reimbursement arrangements will each remain in place for the durations noted in the table above. Although your actual costs may be higher or lower, based on these assumptions your costs would be:

Strategy [Heading] rr_StrategyHeading Principal investment strategies
Strategy Narrative [Text Block] rr_StrategyNarrativeTextBlock

The Fund is a “fund of funds” that invests in Class W shares of other funds of the Trust and potentially in other investment pools or investment products, including other funds advised by the Fund’s investment adviser, Teachers Advisors, LLC (“Advisors”), or its affiliates (collectively, the “Underlying Funds”). In general, the Fund is designed for investors who have an approximate target retirement year in mind, and the Fund’s investments are adjusted from more aggressive to more conservative over time as the Fund’s target retirement year approaches and for approximately 30 years afterwards. The Fund invests in Underlying Funds according to an asset allocation strategy designed for investors who retired in, or planned to retire within a few years of, 2015 and who may have begun taking systematic withdrawals upon retirement. The Fund has a policy of investing at least 80% of its assets (net assets, plus the amount of any borrowings for investment purposes) in Underlying Funds that are managed to seek investment returns that track particular market indices.


Advisors currently expects to allocate approximately 45.00% of the Fund’s assets to equity Underlying Funds and 55.00% of its assets to fixed-income Underlying Funds. These allocations represent targets for equity and fixed-income asset classes. Target allocations will change over time and actual allocations may vary up to ten percentage points from the targets. The target allocations along the investment glidepath, illustrated in the chart below, gradually become more conservative. The Fund had target allocations of approximately 50.00% equity/50.00% fixed-income in the Fund’s target retirement year of 2015 and will reach the Fund’s final target allocation of approximately 20.00% equity/80.00% fixed-income in 2045. Within the equity and fixed-income asset classes, Advisors allocates the Fund’s investments to particular market sectors (U.S. equity, international equity, fixed-income, short-term fixed-income and inflation-protected assets) represented by various Underlying Funds. These market sector allocations may vary by up to 10% from the Fund’s target market sector allocations. The Fund’s current target market sector allocations for June 30, 2020 which will change over time, are approximately as follows: U.S. Equity: 31.50%; International Equity: 13.50%; Fixed-Income: 39.00%; Short-Term Fixed-Income: 8.00%; and Inflation-Protected Assets: 8.00%. The asset class and market sector names used herein are intended to reflect the primary type of investment of the Underlying Funds within each of these categories.


The Fund’s target market sector allocations to Underlying Funds may include the TIAA-CREF Equity Index Fund (U.S. Equity); Emerging Markets Equity Index Fund and International Equity Index Fund (International Equity); Bond Index Fund (Fixed-Income); Short-Term Bond Index Fund (Short-Term Fixed-Income); and Inflation-Linked Bond Fund (Inflation-Protected Assets).


Additional or replacement Underlying Funds for each market sector, as well as additional or replacement market sectors, may be included when making future allocations if Advisors believes that such Underlying Funds and/or market sectors are appropriate in light of the Fund’s desired levels of risk and potential return at the particular time. The Fund’s portfolio management team may also add a new market sector if it believes that will help to achieve the Fund’s investment objective. The relative allocations among Underlying Funds within a market sector may be changed at any time without notice to shareholders. If 10% or more of the Fund’s assets are expected to be invested in any Underlying Fund or market sector not listed above, shareholders will receive prior notice of such change.


The Fund’s asset class allocations, market sector allocations within each asset class, and Underlying Fund allocations within each market sector, as of June 30, 2019, are listed in the chart below. These allocations will change over time. Underlying Fund allocations in particular may change from year to year.


        

Asset Class

Allocation

  

Market Sector

Allocation

 

Underlying Funds

Allocation

Equity

46.75%

 

U.S. Equity

32.79%

 

Ÿ Equity Index Fund

32.79%

   

International Equity

13.96%

 

Ÿ International Equity Index Fund

10.01%

      

Ÿ Emerging Markets Equity Index Fund

3.95%

Fixed-Income

53.25%

 

Fixed-Income

38.30%

 

Ÿ Bond Index Fund

38.30%

   

Short-Term
Fixed-Income

7.46%

 

Ÿ Short-Term Bond Index Fund

7.46%

   

Inflation-
Protected Assets

7.49%

 

Ÿ Inflation-Linked Bond Fund

7.49%


        

Total

100.00%

  

100.00%

  

100.00%


The following chart shows how the investment glidepath for the Fund is expected to gradually move the Fund’s target allocations over time between the different target market sector allocations. The actual market sector allocations of the Fund may differ from this chart. The Fund seeks to achieve its final target market sector allocations approximately 30 years following the target date.


Lifecycle Index Funds Glidepath as of June 30, 2020
Years to Target Retirement Date US Equities International Equities Fixed Income Short Term Fixed Income Inflation Protected Bonds
45 66.50% 28.50% 5.00% 0.00% 0.00%
40 65.62% 28.13% 6.25% 0.00% 0.00%
35 64.75% 27.75% 7.50% 0.00% 0.00%
30 63.87% 27.38% 8.75% 0.00% 0.00%
25 63.00% 27.00% 10.00% 0.00% 0.00%
20 57.40% 24.60% 18.00% 0.00% 0.00%
15 51.80% 22.20% 26.00% 0.00% 0.00%
10 46.20% 19.80% 30.00% 2.00% 2.00%
5 40.60% 17.40% 34.00% 4.00% 4.00%
0 35.00% 15.00% 38.00% 6.00% 6.00%
-5 31.50% 13.50% 39.00% 8.00% 8.00%
-10 28.00% 12.00% 40.00% 10.00% 10.00%
-15 24.50% 10.50% 40.00% 15.00% 10.00%
-20 21.00% 9.00% 40.00% 20.00% 10.00%
-25 17.50% 7.50% 40.00% 25.00% 10.00%
-30 14.00% 6.00% 40.00% 30.00% 10.00%

The Fund is designed to accommodate investors who invest in a fund up to their target retirement date, and plan to make gradual systematic withdrawals in retirement. In addition, investors should note that the Fund will continue to have a significant level of equity exposure up to, through and after its target retirement date, and this exposure could cause significant fluctuations in the value of the Fund depending on the performance of the equity markets generally.


After the Fund reaches its final target allocation, the Board of Trustees may authorize the merger of the Fund into another Lifecycle Index Fund which has also reached its final target allocation or other similar fund designed to maintain a relatively stable asset allocation reflecting the resting point on the glidepath described in the chart above. Fund shareholders will receive prior notice of any such merger.

Risk [Heading] rr_RiskHeading Principal investment risks
Risk Narrative [Text Block] rr_RiskNarrativeTextBlock

You could lose money over short or long periods by investing in this Fund. An investment in the Fund, due to the nature of the Fund’s portfolio holdings, typically is subject to the following principal investment risks:


· Asset Allocation Risk—The risk that the Fund may not achieve its target allocations. In addition, there is the risk that the asset allocations may not achieve the desired risk-return characteristic or that the selection of Underlying Funds and the allocations among them will result in the Fund underperforming other similar funds or cause an investor to lose money.


· Index Risk—The risk that the Fund’s performance may not correspond to its benchmark index for any period of time and may underperform such index or the overall financial market. Additionally, to the extent that the Fund’s investments vary from the composition of its benchmark index, the Fund’s performance could potentially vary from the index’s performance to a greater extent than if the Fund merely attempted to replicate the index.


· Underlying Funds Risks—The Fund is exposed to the risks of the Underlying Funds in which it invests in direct proportion to the amount of assets the Fund allocates to each Underlying Fund.


· Equity Underlying Funds Risks—The risks of investing in equity Underlying Funds include risks specific to their investment strategies, as well as risks related to the equity markets in general, such as:


· market risk—The risk that the price of equity investments may decline in response to general market and economic conditions or events, including conditions and developments outside of the financial markets;


· issuer risk—The risk that an issuer’s earnings prospects and overall financial position will deteriorate, causing a decline in the value of the issuer’s financial instruments over short or extended periods of time; and


· foreign investment risk—The increased risks of adverse issuer, political, regulatory, currency, market or economic developments compared to investments in U.S. issuers, which can result in greater market and price volatility.


· Fixed-Income Underlying Funds Risks—The risks of investing in fixed-income Underlying Funds include risks specific to their investment strategies, as well as risks related to the fixed-income markets in general, such as:


· interest rate risk—The risk that the value or yield of fixed-income investments may decline if interest rates change, which could adversely affect a Fund’s income or the value of its holdings;


· extension risk—The risk that during periods of rising interest rates, borrowers may pay off their mortgage loans later than expected, preventing a Fund from reinvesting principal proceeds at higher interest rates and resulting in less income than potentially available;


· issuer risk—The risk that an issuer’s earnings prospects and overall financial position will deteriorate, causing a decline in the value of the issuer’s financial instruments over short or extended periods of time;


· credit risk—The risk that a decline in an issuer’s financial position may prevent it from making principal and interest payments on fixed-income investments held by a Fund when due;


· credit spread risk—The risk that credit spreads (i.e., the difference in yield between securities that is due to differences in each security’s respective credit quality) may increase when market participants believe that bonds generally have a greater risk of default, which could result in a decline in the market values of a Fund’s debt securities;


· income volatility risk—The risk that the level of current income from a Fund’s portfolio of fixed-income securities may decline due to rapid and unpredictable changes in prevailing market interest rates; and


· call risk—The risk that, during periods of falling interest rates, an issuer may call (or repay) a fixed-income security prior to maturity, resulting in a decline in a Fund’s income.


· Active Management Risk—The risk that the strategy, investment selection or trading execution of Advisors could cause the Fund or an Underlying Fund to underperform its benchmark index or mutual funds with similar investment objectives.


· Fund of Funds Risk—The ability of the Fund to achieve its investment objective will depend in part upon the ability of the Underlying Funds to achieve their investment objectives. There can be no guarantee that any Underlying Fund will achieve its investment objective.


There can be no assurances that the Fund will achieve its investment objective. You should not consider the Fund to be a complete investment program. Please see the non-summary portion of the Prospectus for more detailed information about the risks described above, including the risks of the Underlying Funds.

Risk Lose Money [Text] rr_RiskLoseMoney You could lose money over short or long periods by investing in this Fund.
Bar Chart and Performance Table [Heading] rr_BarChartAndPerformanceTableHeading Past performance
Performance Narrative [Text Block] rr_PerformanceNarrativeTextBlock

The following chart and table help illustrate some of the risks of investing in the Fund by showing changes in the Fund’s performance from year to year. The bar chart shows the annual total returns of the Retirement Class of the Fund, before taxes, in each full calendar year since inception of the Retirement Class. Because the expenses vary across share classes, the performance of the Retirement Class may vary from the other share classes. Below the bar chart are the best and worst returns of the Retirement Class for a calendar quarter during the full calendar-year periods covered by the bar chart. The performance table following the bar chart shows the Fund’s average annual total returns for the Retirement, Institutional, Advisor and Premier classes over the applicable one-year, five-year, ten-year and since-inception periods ended December 31, 2018, and how those returns compare to those of a broad-based securities market index and a composite index based on the Fund’s target allocations. After-tax performance is shown only for the Retirement Class shares, and after-tax returns for the other classes of shares will vary from the after-tax returns presented for Retirement Class shares.


The returns shown below reflect previous agreements by Advisors to waive or reimburse the Fund and certain Underlying Funds for certain fees and expenses. Without these waivers and reimbursements, the returns of the Fund would have been lower. Past performance of the Fund (before and after taxes) is not necessarily an indication of how it will perform in the future. The indices listed below are unmanaged, and you cannot invest directly in an index. The returns for the indices reflect no deduction for fees, expenses or taxes.


For current performance information of each share class, including performance to the most recent month-end, please visit www.tiaa.org.

Performance Information Illustrates Variability of Returns [Text] rr_PerformanceInformationIllustratesVariabilityOfReturns The following chart and table help illustrate some of the risks of investing in the Fund by showing changes in the Fund’s performance from year to year.
Performance Additional Market Index [Text] rr_PerformanceAdditionalMarketIndex As of the close of business on December 31, 2018, the Lifecycle Index 2015 Fund Composite Index consisted of: 38.7% Bloomberg Barclays U.S. Aggregate Bond Index; 32.5% Russell 3000® Index; 14.0% MSCI EAFE + Emerging Markets Index; 7.4% Bloomberg Barclays U.S. 1-3 Year Government/Credit Bond Index; and 7.4% Bloomberg Barclays U.S. Treasury Inflation Protected Securities (TIPS) 1-10 Year Index. The Fund’s composite benchmark, the components that make up a composite benchmark and the method of calculating a composite benchmark’s performance may vary over time.
Performance Availability Website Address [Text] rr_PerformanceAvailabilityWebSiteAddress www.tiaa.org
Performance Past Does Not Indicate Future [Text] rr_PerformancePastDoesNotIndicateFuture Past performance of the Fund (before and after taxes) is not necessarily an indication of how it will perform in the future.
Bar Chart [Heading] rr_BarChartHeading ANNUAL TOTAL RETURNS FOR THE RETIREMENT CLASS SHARES (%)† Lifecycle Index 2015 Fund
Bar Chart Footnotes [Text Block] rr_BarChartFootnotesTextBlock

 The year-to-date return as of the most recent calendar quarter, which ended on June 30, 2019, was 10.65%.

Bar Chart Closing [Text Block] rr_BarChartClosingTextBlock

Best quarter: 8.63%, for the quarter ended September 30, 2010. Worst quarter: -8.09%, for the quarter ended September 30, 2011.

Year to Date Return, Label rr_YearToDateReturnLabel The year-to-date return as of the most recent calendar quarter, which ended on June 30, 2019, was
Bar Chart, Year to Date Return, Date rr_BarChartYearToDateReturnDate Jun. 30, 2019
Bar Chart, Year to Date Return rr_BarChartYearToDateReturn 10.65%
Highest Quarterly Return, Label rr_HighestQuarterlyReturnLabel Best quarter:
Highest Quarterly Return, Date rr_BarChartHighestQuarterlyReturnDate Sep. 30, 2010
Highest Quarterly Return rr_BarChartHighestQuarterlyReturn 8.63%
Lowest Quarterly Return, Label rr_LowestQuarterlyReturnLabel Worst quarter:
Lowest Quarterly Return, Date rr_BarChartLowestQuarterlyReturnDate Sep. 30, 2011
Lowest Quarterly Return rr_BarChartLowestQuarterlyReturn (8.09%)
Index No Deduction for Fees, Expenses, Taxes [Text] rr_IndexNoDeductionForFeesExpensesTaxes (reflects no deductions for fees, expenses or taxes)
Performance Table Uses Highest Federal Rate rr_PerformanceTableUsesHighestFederalRate After-tax returns are calculated using the historical highest individual federal marginal income tax rates in effect during the periods shown and do not reflect the impact of state and local taxes.
Performance Table Not Relevant to Tax Deferred rr_PerformanceTableNotRelevantToTaxDeferred The after-tax returns shown are not relevant to investors who hold their Fund shares through tax-deferred arrangements such as 401(a), 401(k) or 403(b) plans or Individual Retirement Accounts (IRAs).
Performance Table One Class of after Tax Shown [Text] rr_PerformanceTableOneClassOfAfterTaxShown After-tax performance is shown only for the Retirement Class shares, and after-tax returns for the other classes of shares will vary from the after-tax returns presented for Retirement Class shares.
Performance Table Closing [Text Block] rr_PerformanceTableClosingTextBlock

Current performance of the Fund’s shares may be higher or lower than that shown above.


After-tax returns are calculated using the historical highest individual federal marginal income tax rates in effect during the periods shown and do not reflect the impact of state and local taxes. Actual after-tax returns depend on the investor’s tax situation and may differ from those shown. The after-tax returns shown are not relevant to investors who hold their Fund shares through tax-deferred arrangements such as 401(a), 401(k) or 403(b) plans or Individual Retirement Accounts (IRAs). After-tax returns are shown for only one class, and after-tax returns for other classes will vary.

Average Annual Return, Caption rr_AverageAnnualReturnCaption AVERAGE ANNUAL TOTAL RETURNS For the Periods Ended December 31, 2018
TIAA-CREF Lifecycle Index 2015 Fund | S&P Target Date 2015 Index  
Risk/Return: rr_RiskReturnAbstract  
1 Year rr_AverageAnnualReturnYear01 (3.67%)
5 Years rr_AverageAnnualReturnYear05 3.79%
Since Inception rr_AverageAnnualReturnSinceInception 6.21% [1]
TIAA-CREF Lifecycle Index 2015 Fund | Lifecycle Index 2015 Fund Composite Index (reflects no deductions for fees, expenses or taxes)  
Risk/Return: rr_RiskReturnAbstract  
1 Year rr_AverageAnnualReturnYear01 (3.36%) [2]
5 Years rr_AverageAnnualReturnYear05 4.21% [2]
Since Inception rr_AverageAnnualReturnSinceInception 6.74% [1],[2]
TIAA-CREF Lifecycle Index 2015 Fund | Institutional Class  
Risk/Return: rr_RiskReturnAbstract  
Maximum sales charge imposed on purchases (percentage of offering price) rr_MaximumSalesChargeImposedOnPurchasesOverOfferingPrice none
Maximum deferred sales charge rr_MaximumDeferredSalesChargeOverOfferingPrice none
Maximum sales charge imposed on reinvested dividends and other distributions rr_MaximumSalesChargeOnReinvestedDividendsAndDistributionsOverOther none
Redemption or exchange fee rr_RedemptionFeeOverRedemption none
Maximum account fee rr_MaximumAccountFeeOverAssets none
Management fees rr_ManagementFeesOverAssets 0.18% [3],[4]
Other expenses rr_OtherExpensesOverAssets 0.05% [3],[4]
Total annual Fund operating expenses rr_ExpensesOverAssets 0.23%
Waivers and expense reimbursements rr_FeeWaiverOrReimbursementOverAssets (0.13%) [5],[6]
Total annual Fund operating expenses after fee waiver and/or expense reimbursement rr_NetExpensesOverAssets 0.10%
Expense Example, with Redemption, 1 Year rr_ExpenseExampleYear01 $ 10
Expense Example, with Redemption, 3 Years rr_ExpenseExampleYear03 61
Expense Example, with Redemption, 5 Years rr_ExpenseExampleYear05 116
Expense Example, with Redemption, 10 Years rr_ExpenseExampleYear10 $ 280
1 Year rr_AverageAnnualReturnYear01 (3.29%)
5 Years rr_AverageAnnualReturnYear05 4.14%
Since Inception rr_AverageAnnualReturnSinceInception 6.61%
Inception Date rr_AverageAnnualReturnInceptionDate Sep. 30, 2009
TIAA-CREF Lifecycle Index 2015 Fund | Advisor Class  
Risk/Return: rr_RiskReturnAbstract  
Maximum sales charge imposed on purchases (percentage of offering price) rr_MaximumSalesChargeImposedOnPurchasesOverOfferingPrice none
Maximum deferred sales charge rr_MaximumDeferredSalesChargeOverOfferingPrice none
Maximum sales charge imposed on reinvested dividends and other distributions rr_MaximumSalesChargeOnReinvestedDividendsAndDistributionsOverOther none
Redemption or exchange fee rr_RedemptionFeeOverRedemption none
Maximum account fee rr_MaximumAccountFeeOverAssets none
Management fees rr_ManagementFeesOverAssets 0.18% [3],[4]
Other expenses rr_OtherExpensesOverAssets 0.13% [3],[4]
Total annual Fund operating expenses rr_ExpensesOverAssets 0.31%
Waivers and expense reimbursements rr_FeeWaiverOrReimbursementOverAssets (0.13%) [5],[6]
Total annual Fund operating expenses after fee waiver and/or expense reimbursement rr_NetExpensesOverAssets 0.18%
Expense Example, with Redemption, 1 Year rr_ExpenseExampleYear01 $ 18
Expense Example, with Redemption, 3 Years rr_ExpenseExampleYear03 87
Expense Example, with Redemption, 5 Years rr_ExpenseExampleYear05 161
Expense Example, with Redemption, 10 Years rr_ExpenseExampleYear10 $ 381
1 Year rr_AverageAnnualReturnYear01 (3.31%)
5 Years rr_AverageAnnualReturnYear05 4.04% [7]
Since Inception rr_AverageAnnualReturnSinceInception 6.43% [7]
Inception Date rr_AverageAnnualReturnInceptionDate Dec. 04, 2015
TIAA-CREF Lifecycle Index 2015 Fund | Premier Class  
Risk/Return: rr_RiskReturnAbstract  
Maximum sales charge imposed on purchases (percentage of offering price) rr_MaximumSalesChargeImposedOnPurchasesOverOfferingPrice none
Maximum deferred sales charge rr_MaximumDeferredSalesChargeOverOfferingPrice none
Maximum sales charge imposed on reinvested dividends and other distributions rr_MaximumSalesChargeOnReinvestedDividendsAndDistributionsOverOther none
Redemption or exchange fee rr_RedemptionFeeOverRedemption none
Maximum account fee rr_MaximumAccountFeeOverAssets none
Management fees rr_ManagementFeesOverAssets 0.18% [3],[4]
Distribution (Rule 12b-1) fees rr_DistributionAndService12b1FeesOverAssets 0.15%
Other expenses rr_OtherExpensesOverAssets 0.05% [3],[4]
Total annual Fund operating expenses rr_ExpensesOverAssets 0.38%
Waivers and expense reimbursements rr_FeeWaiverOrReimbursementOverAssets (0.13%) [5],[6]
Total annual Fund operating expenses after fee waiver and/or expense reimbursement rr_NetExpensesOverAssets 0.25%
Expense Example, with Redemption, 1 Year rr_ExpenseExampleYear01 $ 26
Expense Example, with Redemption, 3 Years rr_ExpenseExampleYear03 109
Expense Example, with Redemption, 5 Years rr_ExpenseExampleYear05 200
Expense Example, with Redemption, 10 Years rr_ExpenseExampleYear10 $ 468
1 Year rr_AverageAnnualReturnYear01 (3.45%)
5 Years rr_AverageAnnualReturnYear05 3.98%
Since Inception rr_AverageAnnualReturnSinceInception 6.45%
Inception Date rr_AverageAnnualReturnInceptionDate Sep. 30, 2009
TIAA-CREF Lifecycle Index 2015 Fund | Retirement Class  
Risk/Return: rr_RiskReturnAbstract  
Maximum sales charge imposed on purchases (percentage of offering price) rr_MaximumSalesChargeImposedOnPurchasesOverOfferingPrice none
Maximum deferred sales charge rr_MaximumDeferredSalesChargeOverOfferingPrice none
Maximum sales charge imposed on reinvested dividends and other distributions rr_MaximumSalesChargeOnReinvestedDividendsAndDistributionsOverOther none
Redemption or exchange fee rr_RedemptionFeeOverRedemption none
Maximum account fee rr_MaximumAccountFeeOverAssets none
Management fees rr_ManagementFeesOverAssets 0.18% [3],[4]
Other expenses rr_OtherExpensesOverAssets 0.30% [3],[4]
Total annual Fund operating expenses rr_ExpensesOverAssets 0.48%
Waivers and expense reimbursements rr_FeeWaiverOrReimbursementOverAssets (0.13%) [5],[6]
Total annual Fund operating expenses after fee waiver and/or expense reimbursement rr_NetExpensesOverAssets 0.35%
Expense Example, with Redemption, 1 Year rr_ExpenseExampleYear01 $ 36
Expense Example, with Redemption, 3 Years rr_ExpenseExampleYear03 141
Expense Example, with Redemption, 5 Years rr_ExpenseExampleYear05 256
Expense Example, with Redemption, 10 Years rr_ExpenseExampleYear10 $ 591
Annual Return 2010 rr_AnnualReturn2010 11.03%
Annual Return 2011 rr_AnnualReturn2011 2.28%
Annual Return 2012 rr_AnnualReturn2012 11.07%
Annual Return 2013 rr_AnnualReturn2013 12.54%
Annual Return 2014 rr_AnnualReturn2014 6.07%
Annual Return 2015 rr_AnnualReturn2015 (0.28%)
Annual Return 2016 rr_AnnualReturn2016 5.87%
Annual Return 2017 rr_AnnualReturn2017 11.97%
Annual Return 2018 rr_AnnualReturn2018 (3.50%)
1 Year rr_AverageAnnualReturnYear01 (3.50%)
5 Years rr_AverageAnnualReturnYear05 3.89%
Since Inception rr_AverageAnnualReturnSinceInception 6.35%
Inception Date rr_AverageAnnualReturnInceptionDate Sep. 30, 2009
TIAA-CREF Lifecycle Index 2015 Fund | Retirement Class | After Taxes on Distributions  
Risk/Return: rr_RiskReturnAbstract  
1 Year rr_AverageAnnualReturnYear01 (4.37%)
5 Years rr_AverageAnnualReturnYear05 3.14%
Since Inception rr_AverageAnnualReturnSinceInception 5.70%
TIAA-CREF Lifecycle Index 2015 Fund | Retirement Class | After Taxes on Distributions and Sale of Fund Shares  
Risk/Return: rr_RiskReturnAbstract  
1 Year rr_AverageAnnualReturnYear01 (1.81%)
5 Years rr_AverageAnnualReturnYear05 2.78%
Since Inception rr_AverageAnnualReturnSinceInception 4.89%
[1] Performance is calculated from the inception date of the Retirement Class.
[2] As of the close of business on December 31, 2018, the Lifecycle Index 2015 Fund Composite Index consisted of: 38.7% Bloomberg Barclays U.S. Aggregate Bond Index; 32.5% Russell 3000® Index; 14.0% MSCI EAFE + Emerging Markets Index; 7.4% Bloomberg Barclays U.S. 1-3 Year Government/Credit Bond Index; and 7.4% Bloomberg Barclays U.S. Treasury Inflation Protected Securities (TIPS) 1-10 Year Index. The Fund's composite benchmark, the components that make up a composite benchmark and the method of calculating a composite benchmark's performance may vary over time.
[3] Portions of the Management fees and Other expenses are based on expenses originally incurred by Class W shares of the Underlying Funds (as defined below) of the Trust, which have been incurred directly by the Fund pursuant to certain contractual arrangements intended to reallocate directly to the Fund certain fees and expenses that had been paid by the Underlying Funds of the Trust. For additional information, please see the "Management of the Funds" section of this Prospectus.
[4] Restated to reflect estimates for the current fiscal year.
[5] Advisors has contractually agreed to waive 0.095% of the Fund's Management fee. This waiver will remain in effect through September 30, 2020, unless changed with the approval of the Board of Trustees.
[6] Under the Fund's expense reimbursement arrangements, the Fund's investment adviser, Teachers Advisors, LLC ("Advisors"), has contractually agreed to reimburse the Fund for any Total annual Fund operating expenses (excluding interest, taxes, brokerage commissions or other transactional expenses, Acquired Fund fees and expenses, extraordinary expenses and any expenses originally attributable to Class W shares of the Underlying Funds of the Trust that were incurred directly by the Fund) that exceed: (i) 0.005% of average daily net assets for Institutional Class shares; (ii) 0.155% of average daily net assets for Advisor Class shares; (iii) 0.155% of average daily net assets for Premier Class shares; and (iv) 0.255% of average daily net assets for Retirement Class shares of the Fund. These expense reimbursement arrangements will continue through at least September 30, 2020, unless changed with approval of the Board of Trustees.
[7] The performance shown for the Advisor Class that is prior to its inception date is based on performance of the Fund's Retirement Class. The performance for these periods has not been restated to reflect the lower expenses of the Advisor Class.
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TIAA-CREF Lifecycle 2040 Fund
TIAA-CREF Lifecycle 2040 Fund
Investment objective

The Lifecycle 2040 Fund seeks high total return over time through a combination of capital appreciation and income.

Fees and expenses

This table describes the fees and expenses that you may pay if you buy and hold shares of the Fund. In addition to the fees and expenses described below, investors may be required to pay a commission to a broker-dealer or other financial intermediary on purchases and sales of Institutional Class or Advisor Class shares of the Fund.

SHAREHOLDER FEES (fees paid directly from your investment)
Shareholder Fees - TIAA-CREF Lifecycle 2040 Fund
Institutional Class
Advisor Class
Premier Class
Retirement Class
Maximum sales charge imposed on purchases (percentage of offering price) none none none none
Maximum deferred sales charge none none none none
Maximum sales charge imposed on reinvested dividends and other distributions none none none none
Redemption or exchange fee none none none none
Maximum account fee none none none none
ANNUAL FUND OPERATING EXPENSES (expenses that you pay each year as a percentage of the value of your investment)
Annual Fund Operating Expenses - TIAA-CREF Lifecycle 2040 Fund
Institutional Class
Advisor Class
Premier Class
Retirement Class
Management fees [1],[2] 0.49% 0.49% 0.49% 0.49%
Distribution (Rule 12b-1) fees     0.15%  
Other expenses [1],[2] 0.03% 0.11% 0.03% 0.28%
Acquired Fund fees and expenses [3] 0.03% 0.03% 0.03% 0.03%
Total annual Fund operating expenses 0.55% 0.63% 0.70% 0.80%
Waivers and expense reimbursements [4],[5] (0.11%) (0.11%) (0.11%) (0.11%)
Total annual Fund operating expenses after fee waiver and/or expense reimbursement 0.44% 0.52% 0.59% 0.69%
[1] Portions of the Management fees and Other expenses are based on expenses originally incurred by Class W shares of the Underlying Funds (as defined below) of the Trust, which have been incurred directly by the Fund pursuant to certain contractual arrangements intended to reallocate directly to the Fund certain fees and expenses that had been paid by the Underlying Funds of the Trust. For additional information, please see the "Management of the Funds" section of this Prospectus.
[2] Restated to reflect estimates for the current fiscal year.
[3] "Acquired Fund fees and expenses" are the Fund's proportionate amount of the expenses of any investment companies or pools in which it invests (excluding expenses originally incurred by Class W of the Underlying Funds of the Trust that have been incurred directly by the Fund, which are instead reflected in Management fees and Other expenses). These expenses are not paid directly by Fund shareholders. Instead, Fund shareholders bear these expenses indirectly because they reduce Fund performance. Because "Acquired Fund fees and expenses" are included in the chart above, the Fund's operating expenses here will not correlate with the expenses included in the Financial highlights in this Prospectus and the Fund's annual report.
[4] Advisors has contractually agreed to waive 0.10% of the Fund's Management fee. This waiver will remain in effect through September 30, 2022, unless changed with the approval of the Board of Trustees.
[5] Under the Fund's expense reimbursement arrangements, the Fund's investment adviser, Teachers Advisors, LLC ("Advisors"), has contractually agreed to reimburse the Fund for any Total annual Fund operating expenses (excluding interest, taxes, brokerage commissions or other transactional expenses, Acquired Fund fees and expenses, extraordinary expenses and any expenses originally attributable to Class W shares of the Underlying Funds of the Trust that were incurred directly by the Fund) that exceed: (i) 0.00% of average daily net assets for Institutional Class shares; (ii) 0.15% of average daily net assets for Advisor Class shares; (iii) 0.15% of average daily net assets for Premier Class shares; and (iv) 0.25% of average daily net assets for Retirement Class shares of the Fund. These expense reimbursement arrangements will continue through at least September 30, 2020, unless changed with approval of the Board of Trustees.
Example

This example is intended to help you compare the cost of investing in shares of the Fund with the cost of investing in other mutual funds. The example assumes that you invest $10,000 in the Fund for the time periods indicated and then redeem all your shares at the end of those periods. The example also assumes that your investment has a 5% return each year and that the Fund’s operating expenses, before fee waivers and/or expense reimbursements, remain the same. The example assumes that the Fund’s fee waiver and/or expense reimbursement arrangements will each remain in place for the durations noted in the table above. Although your actual costs may be higher or lower, based on these assumptions your costs would be:

Expense Example - TIAA-CREF Lifecycle 2040 Fund - USD ($)
Institutional Class
Advisor Class
Premier Class
Retirement Class
1 year $ 45 $ 53 $ 60 $ 70
3 years 143 169 191 223
5 years 275 319 357 412
10 years $ 658 $ 755 $ 840 $ 959
Portfolio turnover

The Fund pays transaction costs, such as commissions, when it buys and sells securities (or “turns over” its portfolio). A higher portfolio turnover rate may indicate higher transaction costs and may result in higher taxes when Fund shares are held in a taxable account. These costs, which are not reflected in annual fund operating expenses or in the example, affect the Fund’s performance. During the fiscal year ended May 31, 2019, the Fund’s portfolio turnover rate was 18% of the average value of its portfolio.

Principal investment strategies

The Fund is a “fund of funds” that invests in Class W shares of other funds of the Trust and in other investment pools or investment products, potentially including other funds advised by the Fund’s investment adviser, Teachers Advisors, LLC (“Advisors”), or its affiliates (collectively, the “Underlying Funds”). In general, the Fund is designed for investors who have an approximate target retirement year in mind, and the Fund’s investments are adjusted from more aggressive to more conservative over time as the Fund’s target retirement year approaches and for approximately 30 years afterwards. The Fund invests in Underlying Funds according to an asset allocation strategy designed for investors retiring in, or planning to retire within a few years of, 2040 and who may begin taking systematic withdrawals upon retirement.


Advisors currently expects to allocate approximately 81.00% of the Fund’s assets to equity Underlying Funds, 14.00% of its assets to fixed-income Underlying Funds and 5.00% of its assets to direct real estate Underlying Funds. These allocations represent targets for equity, fixed-income and direct real estate asset classes. Target allocations will change over time and actual allocations may vary up to ten percentage points from the targets. The target allocations along the investment glidepath, illustrated in the chart below, gradually become more conservative, moving to target allocations of approximately 45.00% equity/50.00% fixed-income/5.00% direct real estate in the Fund’s target retirement year of 2040 and reaching the Fund’s final target allocation of approximately 20.00% equity/80.00% fixed-income/0.00% direct real estate in 2070. Within the equity, fixed-income and direct real estate asset classes, Advisors allocates the Fund’s investments to particular market sectors (U.S. equity, international equity, fixed-income, short-term fixed-income, inflation-protected assets and direct real estate) represented by various Underlying Funds. These market sector allocations may vary by up to 10% from the Fund’s target market sector allocations. The Fund’s current target market sector allocations for June 30, 2020, which will change over time, are approximately as follows: U.S. Equity: 56.70%; International Equity: 24.30%; Fixed-Income: 14.00%; Short-Term Fixed-Income: 0.00; Inflation-Protected Assets: 0.00%; and Direct Real Estate: 5.00%. The asset class and market sector names used herein are intended to reflect the primary type of investment of the Underlying Funds within each of these categories.


The Fund’s target market sector allocations to Underlying Funds may include the TIAA-CREF Growth & Income Fund, Large-Cap Growth Fund, Large-Cap Value Fund, Quant Large-Cap Growth Fund, Quant Large-Cap Value Fund, Quant Small-Cap Equity Fund and Quant Small/Mid-Cap Equity Fund (U.S. Equity); Emerging Markets Equity Fund, International Equity Fund, International Opportunities Fund, Quant International Equity Fund and Quant International Small-Cap Equity Fund (International Equity); Bond Fund, Bond Plus Fund, Emerging Markets Debt Fund, High-Yield Fund and International Bond Fund (Fixed-Income); Money Market Fund and Short-Term Bond Fund Fund (Short-Term Fixed-Income); Inflation-Linked Bond Fund (Inflation-Protected Assets); and Real Property Fund LP (Direct Real Estate). TIAA-CREF Real Property Fund LP is a private fund, which is not available for investment by the general public; it is currently offered exclusively to investment pools or investment products managed by Advisors or its affiliates.


Additional or replacement Underlying Funds for each market sector, as well as additional or replacement market sectors, may be included when making future allocations if Advisors believes that such Underlying Funds and/or market sectors are appropriate in light of the Fund’s desired levels of risk and potential return at the particular time. The Fund’s portfolio management team may also add a new market sector if it believes that will help to achieve the Fund’s investment objective. The relative allocations among Underlying Funds within a market sector may be changed at any time without notice to shareholders, and the portfolio management team may use tactical allocation to take advantage of short to intermediate term opportunities through a combination of positions in Underlying Funds. If 10% or more of the Fund’s assets are expected to be invested in any Underlying Fund or market sector not listed above, shareholders will receive prior notice of such change.


The Fund’s asset class allocations, market sector allocations within each asset class, and Underlying Fund allocations within each market sector, as of June 30, 2019, are listed in the chart below. These allocations will change over time. Underlying Fund allocations in particular may change from year to year.


        

Asset Class

Allocation

  

Market Sector

Allocation

 

Underlying Funds

Allocation

Equity

83.23%

 

U.S. Equity

58.36%

 

Ÿ Growth & Income Fund

12.22%

      

Ÿ Large-Cap Growth Fund

11.05%

      

Ÿ Large-Cap Value Fund

10.71%

      

Ÿ Quant Large-Cap Growth Fund

9.65%

      

Ÿ Quant Large-Cap Value Fund

9.38%

      

Ÿ Quant Small-Cap Equity Fund

3.00%

      

Ÿ Quant Small/Mid-Cap Equity Fund

2.35%

   

International Equity

24.87%

 

Ÿ Quant International Equity Fund

6.49%

      

Ÿ International Equity Fund

5.41%

      

Ÿ International Opportunities Fund

5.40%

      

Ÿ Emerging Markets Equity Fund

4.26%

      

Ÿ Quant International Small-Cap Equity Fund

3.31%

Fixed-Income

12.14%

 

Fixed-Income

12.14%

 

Ÿ Bond Fund

6.37%

      

Ÿ Bond Plus Fund

3.94%

      

Ÿ Emerging Markets Debt Fund

0.83%

      

Ÿ International Bond Fund

0.64%

      

Ÿ High-Yield Fund

0.36%

Real Estate

4.63%

 

Direct Real Estate

4.63%

 

Ÿ TIAA-CREF Real Property Fund LP

4.63%


        

Total

100.00%

  

100.00%

  

100.00%


The following chart shows how the investment glidepath for the Fund is expected to gradually move the Fund’s target allocations over time between the different target market sector allocations. The actual market sector allocations of the Fund may differ from this chart. The Fund seeks to achieve its final target market sector allocations approximately 30 years following the target date.


Lifecycle Funds Glidepath as of June 30, 2020
Years to Target Retirement Date US Equities International Equities Direct Real Estate Fixed Income Short Term Fixed Income Inflation Protected Bonds
45 66.50% 28.50% 5.00% 0.00% 0.00% 0.00%
40 65.62% 28.13% 5.00% 1.25% 0.00% 0.00%
35 64.75% 27.75% 5.00% 2.50% 0.00% 0.00%
30 63.87% 27.38% 5.00% 3.75% 0.00% 0.00%
25 63.00% 27.00% 5.00% 5.00% 0.00% 0.00%
20 56.70% 24.30% 5.00% 14.00% 0.00% 0.00%
15 50.40% 21.60% 5.00% 23.00% 0.00% 0.00%
10 44.10% 18.90% 5.00% 28.00% 2.00% 2.00%
5 37.80% 16.20% 5.00% 33.00% 4.00% 4.00%
0 31.50% 13.50% 5.00% 38.00% 6.00% 6.00%
-5 28.00% 12.00% 5.00% 39.00% 8.00% 8.00%
-10 24.50% 10.50% 5.00% 40.00% 10.00% 10.00%
-15 22.75% 9.75% 2.50% 40.00% 15.00% 10.00%
-20 21.00% 9.00% 0.00% 40.00% 20.00% 10.00%
-25 17.50% 7.50% 0.00% 40.00% 25.00% 10.00%
-30 14.00% 6.00% 0.00% 40.00% 30.00% 10.00%

The Fund is designed to accommodate investors who invest in a fund up to their target retirement date, and plan to make gradual systematic withdrawals in retirement. In addition, investors should note that the Fund will continue to have a significant level of equity exposure up to, through and after its target retirement date, and this exposure could cause significant fluctuations in the value of the Fund depending on the performance of the equity markets generally.


After the Fund reaches its final target allocation, the Board of Trustees may authorize the merger of the Fund into another Lifecycle Fund which has also reached its final target allocation or other similar fund designed to maintain a relatively stable asset allocation reflecting the resting point on the glidepath described in the chart above. Fund shareholders will receive prior notice of any such merger.

Principal investment risks

You could lose money over short or long periods by investing in this Fund. An investment in the Fund, due to the nature of the Fund’s portfolio holdings, typically is subject to the following principal investment risks:


· Asset Allocation Risk—The risk that the Fund may not achieve its target allocations. In addition, there is the risk that the asset allocations may not achieve the desired risk-return characteristic or that the selection of Underlying Funds and the allocations among them will result in the Fund underperforming other similar funds or cause an investor to lose money.


· Underlying Funds Risks—The Fund is exposed to the risks of the Underlying Funds in which it invests in direct proportion to the amount of assets the Fund allocates to each Underlying Fund.


· Equity Underlying Funds Risks—The risks of investing in equity Underlying Funds include risks specific to their investment strategies, as well as risks related to the equity markets in general, such as:


· market risk—The risk that the price of equity investments may decline in response to general market and economic conditions or events, including conditions and developments outside of the financial markets;


· issuer risk—The risk that an issuer’s earnings prospects and overall financial position will deteriorate, causing a decline in the value of the issuer’s financial instruments over short or extended periods of time; and


· foreign investment risk—The increased risks of adverse issuer, political, regulatory, currency, market or economic developments compared to investments in U.S. issuers, which can result in greater market and price volatility.


· Fixed-Income Underlying Funds Risks—The risks of investing in fixed-income Underlying Funds include risks specific to their investment strategies, as well as risks related to the fixed-income markets in general, such as:


· interest rate risk—The risk that the value or yield of fixed-income investments may decline if interest rates change, which could adversely affect a Fund’s income or the value of its holdings;


· extension risk—The risk that during periods of rising interest rates, borrowers may pay off their mortgage loans later than expected, preventing a Fund from reinvesting principal proceeds at higher interest rates and resulting in less income than potentially available;


· issuer risk—The risk that an issuer’s earnings prospects and overall financial position will deteriorate, causing a decline in the value of the issuer’s financial instruments over short or extended periods of time;


· credit risk—The risk that a decline in an issuer’s financial position may prevent it from making principal and interest payments on fixed-income investments held by a Fund when due;


· credit spread risk—The risk that credit spreads (i.e., the difference in yield between securities that is due to differences in each security’s respective credit quality) may increase when market participants believe that bonds generally have a greater risk of default, which could result in a decline in the market values of a Fund’s debt securities;


· income volatility risk—The risk that the level of current income from a Fund’s portfolio of fixed-income securities may decline due to rapid and unpredictable changes in prevailing market interest rates; and


· call risk—The risk that, during periods of falling interest rates, an issuer may call (or repay) a fixed-income security prior to maturity, resulting in a decline in a Fund’s income.


· Direct Real Estate Underlying Funds Risks—The risks of investing in direct real estate Underlying Funds include risks specific to their investment strategies, as well as risks related to investing in real estate in general, such as:


· real estate-related investment risk—The risks associated with exposure to direct real estate through investing in investment vehicles managed by Advisors that will primarily invest directly in real estate, which can include declines in real estate values or revenues, uninsured losses at properties, the absence of regulatory oversight of and a secondary market for interests in direct real estate Underlying Funds, a scarcity of interests issued by direct real estate Underlying Funds, making it difficult for the Fund to achieve its target allocation, and illiquidity of interests in direct real estate Underlying Funds.


· Active Management Risk—The risk that the strategy, investment selection or trading execution of Advisors could cause the Fund or an Underlying Fund to underperform its benchmark index or mutual funds with similar investment objectives.


· Fund of Funds Risk—The ability of the Fund to achieve its investment objective will depend in part upon the ability of the Underlying Funds to achieve their investment objectives. There can be no guarantee that any Underlying Fund will achieve its investment objective.


There can be no assurances that the Fund will achieve its investment objective. You should not consider the Fund to be a complete investment program. Please see the non-summary portion of the Prospectus for more detailed information about the risks described above, including the risks of the Underlying Funds.

Past performance

The following chart and table help illustrate some of the risks of investing in the Fund by showing changes in the Fund’s performance from year to year. The bar chart shows the annual total returns of the Retirement Class of the Fund, before taxes, in each full calendar year for the last ten years. Because the expenses vary across share classes, the performance of the Retirement Class may vary from the other share classes. Below the bar chart are the best and worst returns of the Retirement Class for a calendar quarter during the full calendar-year periods covered by the bar chart. The performance table following the bar chart shows the Fund’s average annual total returns for the Retirement, Institutional, Advisor and Premier classes over the applicable one-year, five-year, ten-year and since-inception periods ended December 31, 2018, and how those returns compare to those of a broad-based securities market index and a composite index that represents the market sectors in which the Fund invests across the equity and fixed-income asset classes. After-tax performance is shown only for the Retirement Class shares, and after-tax returns for the other classes of shares will vary from the after-tax returns presented for Retirement Class shares.


The returns shown below reflect previous agreements by Advisors to waive or reimburse the Fund and certain Underlying Funds for certain fees and expenses. Without these waivers and reimbursements, the returns of the Fund would have been lower. Past performance of the Fund (before and after taxes) is not necessarily an indication of how it will perform in the future. The indices listed below are unmanaged, and you cannot invest directly in an index. The returns for the indices reflect no deduction for fees, expenses or taxes.


For current performance information of each share class, including performance to the most recent month-end, please visit www.tiaa.org.

ANNUAL TOTAL RETURNS FOR THE RETIREMENT CLASS SHARES (%)† Lifecycle 2040 Fund
Bar Chart

 The year-to-date return as of the most recent calendar quarter, which ended on June 30, 2019, was 15.53%.

Best quarter: 17.54%, for the quarter ended June 30, 2009. Worst quarter: -16.45%, for the quarter ended September 30, 2011.

AVERAGE ANNUAL TOTAL RETURNS For the Periods Ended December 31, 2018
Average Annual Returns - TIAA-CREF Lifecycle 2040 Fund
1 Year
5 Years
10 Years
Inception Date
Retirement Class (9.17%) 4.53% 10.11% Oct. 15, 2004
Institutional Class (8.92%) 4.79% 10.39% Jan. 17, 2007
Advisor Class (8.97%) 4.66% [1] 10.19% [1] Dec. 04, 2015
Premier Class (9.11%) 4.62% 10.22% [1] Sep. 30, 2009
After Taxes on Distributions | Retirement Class (10.67%) 2.95% 8.86%  
After Taxes on Distributions and Sale of Fund Shares | Retirement Class (4.45%) 3.30% 8.13%  
S&P Target Date 2040 Index (7.41%) 4.82% 9.68%  
Lifecycle 2040 Fund Composite Index (reflects no deductions for fees, expenses or taxes) [2] (6.72%) 5.45% 10.44%  
[1] The performance shown for the Advisor and Premier classes that is prior to their inception dates is based on performance of the Fund's Retirement Class. The performance for these periods has not been restated to reflect the lower expenses of the Advisor and Premier classes.
[2] As of the close of business on December 31, 2018, the Lifecycle 2040 Fund Composite Index consisted of: 59.1% Russell 3000® Index; 25.3% MSCI All Country World Index ex USA Investable Market Index; and 15.6% Bloomberg Barclays U.S. Aggregate Bond Index. The Fund's composite benchmark, the components that make up a composite benchmark and the method of calculating a composite benchmark's performance may vary over time.

Current performance of the Fund’s shares may be higher or lower than that shown above.



After-tax returns are calculated using the historical highest individual federal marginal income tax rates in effect during the periods shown and do not reflect the impact of state and local taxes. Actual after-tax returns depend on the investor’s tax situation and may differ from those shown. The after-tax returns shown are not relevant to investors who hold their Fund shares through tax-deferred arrangements such as 401(a), 401(k) or 403(b) plans or Individual Retirement Accounts (IRAs). After-tax returns are shown for only one class, and after-tax returns for other classes will vary.

XML 34 R162.htm IDEA: XBRL DOCUMENT v3.19.3
Label Element Value
TIAA-CREF Lifecycle Index 2055 Fund  
Risk/Return: rr_RiskReturnAbstract  
Risk/Return [Heading] rr_RiskReturnHeading TIAA-CREF Lifecycle Index 2055 Fund
Objective [Heading] rr_ObjectiveHeading Investment objective
Objective, Primary [Text Block] rr_ObjectivePrimaryTextBlock

The Lifecycle Index 2055 Fund seeks high total return over time through a combination of capital appreciation and income.

Expense [Heading] rr_ExpenseHeading Fees and expenses
Expense Narrative [Text Block] rr_ExpenseNarrativeTextBlock

This table describes the fees and expenses that you may pay if you buy and hold shares of the Fund. In addition to the fees and expenses described below, investors may be required to pay a commission to a broker-dealer or other financial intermediary on purchases and sales of Institutional Class or Advisor Class shares of the Fund.

Shareholder Fees Caption [Text] rr_ShareholderFeesCaption SHAREHOLDER FEES (fees paid directly from your investment)
Operating Expenses Caption [Text] rr_OperatingExpensesCaption ANNUAL FUND OPERATING EXPENSES (expenses that you pay each year as a percentage of the value of your investment)
Portfolio Turnover [Heading] rr_PortfolioTurnoverHeading Portfolio turnover
Portfolio Turnover [Text Block] rr_PortfolioTurnoverTextBlock

The Fund pays transaction costs, such as commissions, when it buys and sells securities (or “turns over” its portfolio). A higher portfolio turnover rate may indicate higher transaction costs and may result in higher taxes when Fund shares are held in a taxable account. These costs, which are not reflected in annual fund operating expenses or in the example, affect the Fund’s performance. During the fiscal year ended May 31, 2019, the Fund’s portfolio turnover rate was 4% of the average value of its portfolio.

Portfolio Turnover, Rate rr_PortfolioTurnoverRate 4.00%
Expenses Restated to Reflect Current [Text] rr_ExpensesRestatedToReflectCurrent Restated to reflect estimates for the current fiscal year.
Expense Example [Heading] rr_ExpenseExampleHeading Example
Expense Example Narrative [Text Block] rr_ExpenseExampleNarrativeTextBlock

This example is intended to help you compare the cost of investing in shares of the Fund with the cost of investing in other mutual funds. The example assumes that you invest $10,000 in the Fund for the time periods indicated and then redeem all your shares at the end of those periods. The example also assumes that your investment has a 5% return each year and that the Fund’s operating expenses, before fee waivers and/or expense reimbursements, remain the same. The example assumes that the Fund’s fee waiver and/or expense reimbursement arrangements will each remain in place for the durations noted in the table above. Although your actual costs may be higher or lower, based on these assumptions your costs would be:

Strategy [Heading] rr_StrategyHeading Principal investment strategies
Strategy Narrative [Text Block] rr_StrategyNarrativeTextBlock

The Fund is a “fund of funds” that invests in Class W shares of other funds of the Trust and potentially in other investment pools or investment products, including other funds advised by the Fund’s investment adviser, Teachers Advisors, LLC (“Advisors”), or its affiliates (collectively, the “Underlying Funds”). In general, the Fund is designed for investors who have an approximate target retirement year in mind, and the Fund’s investments are adjusted from more aggressive to more conservative over time as the Fund’s target retirement year approaches and for approximately 30 years afterwards. The Fund invests in Underlying Funds according to an asset allocation strategy designed for investors retiring in, or planning to retire within a few years of, 2055 and who may begin taking systematic withdrawals upon retirement. The Fund has a policy of investing at least 80% of its assets (net assets, plus the amount of any borrowings for investment purposes) in Underlying Funds that are managed to seek investment returns that track particular market indices.


Advisors currently expects to allocate approximately 92.50% of the Fund’s assets to equity Underlying Funds and 7.50% of its assets to fixed-income Underlying Funds. These allocations represent targets for equity and fixed-income asset classes. Target allocations will change over time and actual allocations may vary up to ten percentage points from the targets. The target allocations along the investment glidepath, illustrated in the chart below, gradually become more conservative, moving to target allocations of approximately 50.00% equity/50.00% fixed-income in the Fund’s target retirement year of 2055 and reaching the Fund’s final target allocation of approximately 20.00% equity/80.00% fixed-income in 2085. Within the equity and fixed-income asset classes, Advisors allocates the Fund’s investments to particular market sectors (U.S. equity, international equity, fixed-income, short-term fixed-income and inflation-protected assets) represented by various Underlying Funds. These market sector allocations may vary by up to 10% from the Fund’s target market sector allocations. The Fund’s current target market sector allocations for June 30, 2020, which will change over time, are approximately as follows: U.S. Equity: 64.75%; International Equity: 27.75%; Fixed-Income: 7.50%; Short-Term Fixed-Income: 0.00%; and Inflation-Protected Assets: 0.00%. The asset class and market sector names used herein are intended to reflect the primary type of investment of the Underlying Funds within each of these categories.


The Fund’s target market sector allocations to Underlying Funds may include the TIAA-CREF Equity Index Fund (U.S. Equity); Emerging Market Equity Index Fund and International Equity Index Fund (International Equity); Bond Index Fund (Fixed-Income); Short-Term Bond Index Fund (Short-Term Fixed-Income); and Inflation-Linked Bond Fund (Inflation-Protected Assets).


Additional or replacement Underlying Funds for each market sector, as well as additional or replacement market sectors, may be included when making future allocations if Advisors believes that such Underlying Funds and/or market sectors are appropriate in light of the Fund’s desired levels of risk and potential return at the particular time. The Fund’s portfolio management team may also add a new market sector if it believes that will help to achieve the Fund’s investment objective. The relative allocations among Underlying Funds within a market sector may be changed at any time without notice to shareholders. If 10% or more of the Fund’s assets are expected to be invested in any Underlying Fund or market sector not listed above, shareholders will receive prior notice of such change.


The Fund’s asset class allocations, market sector allocations within each asset class, and Underlying Fund allocations within each market sector, as of June 30, 2019, are listed in the chart below. These allocations will change over time. Underlying Fund allocations in particular may change from year to year.


        

Asset Class

Allocation

  

Market Sector

Allocation

 

Underlying Funds

Allocation

Equity

92.91%

 

U.S. Equity

65.16%

 

Ÿ Equity Index Fund

65.16%

   

International Equity

27.75%

 

Ÿ International Equity Index Fund

19.90%

      

Ÿ Emerging Markets Equity Index Fund

7.85%

Fixed-Income

7.09%

 

Fixed-Income

7.09%

 

Ÿ Bond Index Fund

7.09%


        

Total

100.00%

  

100.00%

  

100.00%


The following chart shows how the investment glidepath for the Fund is expected to gradually move the Fund’s target allocations over time between the different target market sector allocations. The actual market sector allocations of the Fund may differ from this chart. The Fund seeks to achieve its final target market sector allocations approximately 30 years following the target date.


Lifecycle Index Funds Glidepath as of June 30, 2020
Years to Target Retirement Date US Equities International Equities Fixed Income Short Term Fixed Income Inflation Protected Bonds
45 66.50% 28.50% 5.00% 0.00% 0.00%
40 65.62% 28.13% 6.25% 0.00% 0.00%
35 64.75% 27.75% 7.50% 0.00% 0.00%
30 63.87% 27.38% 8.75% 0.00% 0.00%
25 63.00% 27.00% 10.00% 0.00% 0.00%
20 57.40% 24.60% 18.00% 0.00% 0.00%
15 51.80% 22.20% 26.00% 0.00% 0.00%
10 46.20% 19.80% 30.00% 2.00% 2.00%
5 40.60% 17.40% 34.00% 4.00% 4.00%
0 35.00% 15.00% 38.00% 6.00% 6.00%
-5 31.50% 13.50% 39.00% 8.00% 8.00%
-10 28.00% 12.00% 40.00% 10.00% 10.00%
-15 24.50% 10.50% 40.00% 15.00% 10.00%
-20 21.00% 9.00% 40.00% 20.00% 10.00%
-25 17.50% 7.50% 40.00% 25.00% 10.00%
-30 14.00% 6.00% 40.00% 30.00% 10.00%

The Fund is designed to accommodate investors who invest in a fund up to their target retirement date, and plan to make gradual systematic withdrawals in retirement. In addition, investors should note that the Fund will continue to have a significant level of equity exposure up to, through and after its target retirement date, and this exposure could cause significant fluctuations in the value of the Fund depending on the performance of the equity markets generally.


After the Fund reaches its final target allocation, the Board of Trustees may authorize the merger of the Fund into another Lifecycle Index Fund which has also reached its final target allocation or other similar fund designed to maintain a relatively stable asset allocation reflecting the resting point on the glidepath described in the chart above. Fund shareholders will receive prior notice of any such merger.

Risk [Heading] rr_RiskHeading Principal investment risks
Risk Narrative [Text Block] rr_RiskNarrativeTextBlock

You could lose money over short or long periods by investing in this Fund. An investment in the Fund, due to the nature of the Fund’s portfolio holdings, typically is subject to the following principal investment risks:


· Asset Allocation Risk—The risk that the Fund may not achieve its target allocations. In addition, there is the risk that the asset allocations may not achieve the desired risk-return characteristic or that the selection of Underlying Funds and the allocations among them will result in the Fund underperforming other similar funds or cause an investor to lose money.


· Index Risk—The risk that the Fund’s performance may not correspond to its benchmark index for any period of time and may underperform such index or the overall financial market. Additionally, to the extent that the Fund’s investments vary from the composition of its benchmark index, the Fund’s performance could potentially vary from the index’s performance to a greater extent than if the Fund merely attempted to replicate the index.


· Underlying Funds Risks—The Fund is exposed to the risks of the Underlying Funds in which it invests in direct proportion to the amount of assets the Fund allocates to each Underlying Fund.


· Equity Underlying Funds Risks—The risks of investing in equity Underlying Funds include risks specific to their investment strategies, as well as risks related to the equity markets in general, such as:


· market risk—The risk that the price of equity investments may decline in response to general market and economic conditions or events, including conditions and developments outside of the financial markets;


· issuer risk—The risk that an issuer’s earnings prospects and overall financial position will deteriorate, causing a decline in the value of the issuer’s financial instruments over short or extended periods of time; and


· foreign investment risk—The increased risks of adverse issuer, political, regulatory, currency, market or economic developments compared to investments in U.S. issuers, which can result in greater market and price volatility.


· Fixed-Income Underlying Funds Risks—The risks of investing in fixed-income Underlying Funds include risks specific to their investment strategies, as well as risks related to the fixed-income markets in general, such as:


· interest rate risk—The risk that the value or yield of fixed-income investments may decline if interest rates change, which could adversely affect a Fund’s income or the value of its holdings;


· extension risk—The risk that during periods of rising interest rates, borrowers may pay off their mortgage loans later than expected, preventing a Fund from reinvesting principal proceeds at higher interest rates and resulting in less income than potentially available;


· issuer risk—The risk that an issuer’s earnings prospects and overall financial position will deteriorate, causing a decline in the value of the issuer’s financial instruments over short or extended periods of time;


· credit risk—The risk that a decline in an issuer’s financial position may prevent it from making principal and interest payments on fixed-income investments held by a Fund when due;


· credit spread risk—The risk that credit spreads (i.e., the difference in yield between securities that is due to differences in each security’s respective credit quality) may increase when market participants believe that bonds generally have a greater risk of default, which could result in a decline in the market values of a Fund’s debt securities;


· income volatility risk—The risk that the level of current income from a Fund’s portfolio of fixed-income securities may decline due to rapid and unpredictable changes in prevailing market interest rates; and


· call risk—The risk that, during periods of falling interest rates, an issuer may call (or repay) a fixed-income security prior to maturity, resulting in a decline in a Fund’s income.


· Active Management Risk—The risk that the strategy, investment selection or trading execution of Advisors could cause the Fund or an Underlying Fund to underperform its benchmark index or mutual funds with similar investment objectives.


· Fund of Funds Risk—The ability of the Fund to achieve its investment objective will depend in part upon the ability of the Underlying Funds to achieve their investment objectives. There can be no guarantee that any Underlying Fund will achieve its investment objective.


There can be no assurances that the Fund will achieve its investment objective. You should not consider the Fund to be a complete investment program. Please see the non-summary portion of the Prospectus for more detailed information about the risks described above, including the risks of the Underlying Funds.

Risk Lose Money [Text] rr_RiskLoseMoney You could lose money over short or long periods by investing in this Fund.
Bar Chart and Performance Table [Heading] rr_BarChartAndPerformanceTableHeading Past performance
Performance Narrative [Text Block] rr_PerformanceNarrativeTextBlock

The following chart and table help illustrate some of the risks of investing in the Fund by showing changes in the Fund’s performance from year to year. The bar chart shows the annual total returns of the Retirement Class of the Fund, before taxes, in each full calendar year since inception of the Retirement Class. Because the expenses vary across share classes, the performance of the Retirement Class may vary from the other share classes. Below the bar chart are the best and worst returns of the Retirement Class for a calendar quarter during the full calendar-year periods covered by the bar chart. The performance table following the bar chart shows the Fund’s average annual total returns for the Retirement, Institutional, Advisor and Premier classes over the applicable one-year, five-year, ten-year and since-inception periods ended December 31, 2018, and how those returns compare to those of a broad-based securities market index and a composite index based on the Fund’s target allocations. After-tax performance is shown only for the Retirement Class shares, and after-tax returns for the other classes of shares will vary from the after-tax returns presented for Retirement Class shares.


The returns shown below reflect previous agreements by Advisors to waive or reimburse the Fund and certain Underlying Funds for certain fees and expenses. Without these waivers and reimbursements, the returns of the Fund would have been lower. Past performance of the Fund (before and after taxes) is not necessarily an indication of how it will perform in the future. The indices listed below are unmanaged, and you cannot invest directly in an index. The returns for the indices reflect no deduction for fees, expenses or taxes.


For current performance information of each share class, including performance to the most recent month-end, please visit www.tiaa.org.

Performance Information Illustrates Variability of Returns [Text] rr_PerformanceInformationIllustratesVariabilityOfReturns The following chart and table help illustrate some of the risks of investing in the Fund by showing changes in the Fund’s performance from year to year.
Performance Additional Market Index [Text] rr_PerformanceAdditionalMarketIndex As of the close of business on December 31, 2018, the Lifecycle Index 2055 Fund Composite Index consisted of: 65.0% Russell 3000® Index; 27.9% MSCI EAFE + Emerging Markets Index; and 7.1% Bloomberg Barclays U.S. Aggregate Bond Index. The Fund’s composite benchmark, the components that make up a composite benchmark and the method of calculating a composite benchmark’s performance may vary over time.
Performance Availability Website Address [Text] rr_PerformanceAvailabilityWebSiteAddress www.tiaa.org
Performance Past Does Not Indicate Future [Text] rr_PerformancePastDoesNotIndicateFuture Past performance of the Fund (before and after taxes) is not necessarily an indication of how it will perform in the future.
Bar Chart [Heading] rr_BarChartHeading ANNUAL TOTAL RETURNS FOR THE RETIREMENT CLASS SHARES (%)† Lifecycle Index 2055 Fund
Bar Chart Footnotes [Text Block] rr_BarChartFootnotesTextBlock

 The year-to-date return as of the most recent calendar quarter, which ended on June 30, 2019, was 15.96%.

Bar Chart Closing [Text Block] rr_BarChartClosingTextBlock

Best quarter: 11.36%, for the quarter ended March 31, 2012. Worst quarter: -12.23%, for the quarter ended December 31, 2018.

Year to Date Return, Label rr_YearToDateReturnLabel The year-to-date return as of the most recent calendar quarter, which ended on June 30, 2019, was
Bar Chart, Year to Date Return, Date rr_BarChartYearToDateReturnDate Jun. 30, 2019
Bar Chart, Year to Date Return rr_BarChartYearToDateReturn 15.96%
Highest Quarterly Return, Label rr_HighestQuarterlyReturnLabel Best quarter:
Highest Quarterly Return, Date rr_BarChartHighestQuarterlyReturnDate Mar. 31, 2012
Highest Quarterly Return rr_BarChartHighestQuarterlyReturn 11.36%
Lowest Quarterly Return, Label rr_LowestQuarterlyReturnLabel Worst quarter:
Lowest Quarterly Return, Date rr_BarChartLowestQuarterlyReturnDate Dec. 31, 2018
Lowest Quarterly Return rr_BarChartLowestQuarterlyReturn (12.23%)
Index No Deduction for Fees, Expenses, Taxes [Text] rr_IndexNoDeductionForFeesExpensesTaxes (reflects no deductions for fees, expenses or taxes)
Performance Table Uses Highest Federal Rate rr_PerformanceTableUsesHighestFederalRate After-tax returns are calculated using the historical highest individual federal marginal income tax rates in effect during the periods shown and do not reflect the impact of state and local taxes.
Performance Table Not Relevant to Tax Deferred rr_PerformanceTableNotRelevantToTaxDeferred The after-tax returns shown are not relevant to investors who hold their Fund shares through tax-deferred arrangements such as 401(a), 401(k) or 403(b) plans or Individual Retirement Accounts (IRAs).
Performance Table One Class of after Tax Shown [Text] rr_PerformanceTableOneClassOfAfterTaxShown After-tax performance is shown only for the Retirement Class shares, and after-tax returns for the other classes of shares will vary from the after-tax returns presented for Retirement Class shares.
Performance Table Closing [Text Block] rr_PerformanceTableClosingTextBlock

Current performance of the Fund’s shares may be higher or lower than that shown above.


After-tax returns are calculated using the historical highest individual federal marginal income tax rates in effect during the periods shown and do not reflect the impact of state and local taxes. Actual after-tax returns depend on the investor’s tax situation and may differ from those shown. The after-tax returns shown are not relevant to investors who hold their Fund shares through tax-deferred arrangements such as 401(a), 401(k) or 403(b) plans or Individual Retirement Accounts (IRAs). After-tax returns are shown for only one class, and after-tax returns for other classes will vary.

Average Annual Return, Caption rr_AverageAnnualReturnCaption AVERAGE ANNUAL TOTAL RETURNS For the Periods Ended December 31, 2018
TIAA-CREF Lifecycle Index 2055 Fund | S&P Target Date 2055 Index  
Risk/Return: rr_RiskReturnAbstract  
1 Year rr_AverageAnnualReturnYear01 (7.97%)
5 Years rr_AverageAnnualReturnYear05 5.07%
Since Inception rr_AverageAnnualReturnSinceInception 6.82% [1]
TIAA-CREF Lifecycle Index 2055 Fund | Lifecycle Index 2055 Fund Composite Index (reflects no deductions for fees, expenses or taxes)  
Risk/Return: rr_RiskReturnAbstract  
1 Year rr_AverageAnnualReturnYear01 (7.24%) [2]
5 Years rr_AverageAnnualReturnYear05 5.71% [2]
Since Inception rr_AverageAnnualReturnSinceInception 7.45% [1],[2]
TIAA-CREF Lifecycle Index 2055 Fund | Institutional Class  
Risk/Return: rr_RiskReturnAbstract  
Maximum sales charge imposed on purchases (percentage of offering price) rr_MaximumSalesChargeImposedOnPurchasesOverOfferingPrice none
Maximum deferred sales charge rr_MaximumDeferredSalesChargeOverOfferingPrice none
Maximum sales charge imposed on reinvested dividends and other distributions rr_MaximumSalesChargeOnReinvestedDividendsAndDistributionsOverOther none
Redemption or exchange fee rr_RedemptionFeeOverRedemption none
Maximum account fee rr_MaximumAccountFeeOverAssets none
Management fees rr_ManagementFeesOverAssets 0.15% [3],[4]
Other expenses rr_OtherExpensesOverAssets 0.07% [3],[4]
Total annual Fund operating expenses rr_ExpensesOverAssets 0.22%
Waivers and expense reimbursements rr_FeeWaiverOrReimbursementOverAssets (0.12%) [5],[6]
Total annual Fund operating expenses after fee waiver and/or expense reimbursement rr_NetExpensesOverAssets 0.10%
Expense Example, with Redemption, 1 Year rr_ExpenseExampleYear01 $ 10
Expense Example, with Redemption, 3 Years rr_ExpenseExampleYear03 59
Expense Example, with Redemption, 5 Years rr_ExpenseExampleYear05 112
Expense Example, with Redemption, 10 Years rr_ExpenseExampleYear10 $ 268
1 Year rr_AverageAnnualReturnYear01 (7.14%)
5 Years rr_AverageAnnualReturnYear05 5.64%
Since Inception rr_AverageAnnualReturnSinceInception 7.36%
Inception Date rr_AverageAnnualReturnInceptionDate Apr. 29, 2011
TIAA-CREF Lifecycle Index 2055 Fund | Advisor Class  
Risk/Return: rr_RiskReturnAbstract  
Maximum sales charge imposed on purchases (percentage of offering price) rr_MaximumSalesChargeImposedOnPurchasesOverOfferingPrice none
Maximum deferred sales charge rr_MaximumDeferredSalesChargeOverOfferingPrice none
Maximum sales charge imposed on reinvested dividends and other distributions rr_MaximumSalesChargeOnReinvestedDividendsAndDistributionsOverOther none
Redemption or exchange fee rr_RedemptionFeeOverRedemption none
Maximum account fee rr_MaximumAccountFeeOverAssets none
Management fees rr_ManagementFeesOverAssets 0.15% [3],[4]
Other expenses rr_OtherExpensesOverAssets 0.15% [3],[4]
Total annual Fund operating expenses rr_ExpensesOverAssets 0.30%
Waivers and expense reimbursements rr_FeeWaiverOrReimbursementOverAssets (0.12%) [5],[6]
Total annual Fund operating expenses after fee waiver and/or expense reimbursement rr_NetExpensesOverAssets 0.18%
Expense Example, with Redemption, 1 Year rr_ExpenseExampleYear01 $ 18
Expense Example, with Redemption, 3 Years rr_ExpenseExampleYear03 84
Expense Example, with Redemption, 5 Years rr_ExpenseExampleYear05 157
Expense Example, with Redemption, 10 Years rr_ExpenseExampleYear10 $ 369
1 Year rr_AverageAnnualReturnYear01 (7.11%)
5 Years rr_AverageAnnualReturnYear05 5.53% [7]
Since Inception rr_AverageAnnualReturnSinceInception 7.19% [7]
Inception Date rr_AverageAnnualReturnInceptionDate Dec. 04, 2015
TIAA-CREF Lifecycle Index 2055 Fund | Premier Class  
Risk/Return: rr_RiskReturnAbstract  
Maximum sales charge imposed on purchases (percentage of offering price) rr_MaximumSalesChargeImposedOnPurchasesOverOfferingPrice none
Maximum deferred sales charge rr_MaximumDeferredSalesChargeOverOfferingPrice none
Maximum sales charge imposed on reinvested dividends and other distributions rr_MaximumSalesChargeOnReinvestedDividendsAndDistributionsOverOther none
Redemption or exchange fee rr_RedemptionFeeOverRedemption none
Maximum account fee rr_MaximumAccountFeeOverAssets none
Management fees rr_ManagementFeesOverAssets 0.15% [3],[4]
Distribution (Rule 12b-1) fees rr_DistributionAndService12b1FeesOverAssets 0.15%
Other expenses rr_OtherExpensesOverAssets 0.06% [3],[4]
Total annual Fund operating expenses rr_ExpensesOverAssets 0.36%
Waivers and expense reimbursements rr_FeeWaiverOrReimbursementOverAssets (0.11%) [5],[6]
Total annual Fund operating expenses after fee waiver and/or expense reimbursement rr_NetExpensesOverAssets 0.25%
Expense Example, with Redemption, 1 Year rr_ExpenseExampleYear01 $ 26
Expense Example, with Redemption, 3 Years rr_ExpenseExampleYear03 105
Expense Example, with Redemption, 5 Years rr_ExpenseExampleYear05 191
Expense Example, with Redemption, 10 Years rr_ExpenseExampleYear10 $ 445
1 Year rr_AverageAnnualReturnYear01 (7.21%)
5 Years rr_AverageAnnualReturnYear05 5.50%
Since Inception rr_AverageAnnualReturnSinceInception 7.21%
Inception Date rr_AverageAnnualReturnInceptionDate Apr. 29, 2011
TIAA-CREF Lifecycle Index 2055 Fund | Retirement Class  
Risk/Return: rr_RiskReturnAbstract  
Maximum sales charge imposed on purchases (percentage of offering price) rr_MaximumSalesChargeImposedOnPurchasesOverOfferingPrice none
Maximum deferred sales charge rr_MaximumDeferredSalesChargeOverOfferingPrice none
Maximum sales charge imposed on reinvested dividends and other distributions rr_MaximumSalesChargeOnReinvestedDividendsAndDistributionsOverOther none
Redemption or exchange fee rr_RedemptionFeeOverRedemption none
Maximum account fee rr_MaximumAccountFeeOverAssets none
Management fees rr_ManagementFeesOverAssets 0.15% [3],[4]
Other expenses rr_OtherExpensesOverAssets 0.31% [3],[4]
Total annual Fund operating expenses rr_ExpensesOverAssets 0.46%
Waivers and expense reimbursements rr_FeeWaiverOrReimbursementOverAssets (0.11%) [5],[6]
Total annual Fund operating expenses after fee waiver and/or expense reimbursement rr_NetExpensesOverAssets 0.35%
Expense Example, with Redemption, 1 Year rr_ExpenseExampleYear01 $ 36
Expense Example, with Redemption, 3 Years rr_ExpenseExampleYear03 137
Expense Example, with Redemption, 5 Years rr_ExpenseExampleYear05 247
Expense Example, with Redemption, 10 Years rr_ExpenseExampleYear10 $ 569
Annual Return 2012 rr_AnnualReturn2012 15.36%
Annual Return 2013 rr_AnnualReturn2013 24.93%
Annual Return 2014 rr_AnnualReturn2014 6.62%
Annual Return 2015 rr_AnnualReturn2015 (1.00%)
Annual Return 2016 rr_AnnualReturn2016 9.42%
Annual Return 2017 rr_AnnualReturn2017 21.47%
Annual Return 2018 rr_AnnualReturn2018 (7.32%)
1 Year rr_AverageAnnualReturnYear01 (7.32%)
5 Years rr_AverageAnnualReturnYear05 5.39%
Since Inception rr_AverageAnnualReturnSinceInception 7.10%
Inception Date rr_AverageAnnualReturnInceptionDate Apr. 29, 2011
TIAA-CREF Lifecycle Index 2055 Fund | Retirement Class | After Taxes on Distributions  
Risk/Return: rr_RiskReturnAbstract  
1 Year rr_AverageAnnualReturnYear01 (7.86%)
5 Years rr_AverageAnnualReturnYear05 4.81%
Since Inception rr_AverageAnnualReturnSinceInception 6.55%
TIAA-CREF Lifecycle Index 2055 Fund | Retirement Class | After Taxes on Distributions and Sale of Fund Shares  
Risk/Return: rr_RiskReturnAbstract  
1 Year rr_AverageAnnualReturnYear01 (4.00%)
5 Years rr_AverageAnnualReturnYear05 4.12%
Since Inception rr_AverageAnnualReturnSinceInception 5.58%
[1] Performance is calculated from the inception date of the Retirement Class.
[2] As of the close of business on December 31, 2018, the Lifecycle Index 2055 Fund Composite Index consisted of: 65.0% Russell 3000® Index; 27.9% MSCI EAFE + Emerging Markets Index; and 7.1% Bloomberg Barclays U.S. Aggregate Bond Index. The Fund's composite benchmark, the components that make up a composite benchmark and the method of calculating a composite benchmark's performance may vary over time.
[3] Portions of the Management fees and Other expenses are based on expenses originally incurred by Class W shares of the Underlying Funds (as defined below) of the Trust, which have been incurred directly by the Fund pursuant to certain contractual arrangements intended to reallocate directly to the Fund certain fees and expenses that had been paid by the Underlying Funds of the Trust. For additional information, please see the "Management of the Funds" section of this Prospectus.
[4] Restated to reflect estimates for the current fiscal year.
[5] Advisors has contractually agreed to waive 0.06% of the Fund's Management fee. This waiver will remain in effect through September 30, 2020, unless changed with the approval of the Board of Trustees.
[6] Under the Fund's expense reimbursement arrangements, the Fund's investment adviser, Teachers Advisors, LLC ("Advisors"), has contractually agreed to reimburse the Fund for any Total annual Fund operating expenses (excluding interest, taxes, brokerage commissions or other transactional expenses, Acquired Fund fees and expenses, extraordinary expenses and any expenses originally attributable to Class W shares of the Underlying Funds of the Trust that were incurred directly by the Fund) that exceed: (i) 0.04% of average daily net assets for Institutional Class shares; (ii) 0.19% of average daily net assets for Advisor Class shares; (iii) 0.19% of average daily net assets for Premier Class shares; and (iv) 0.29% of average daily net assets for Retirement Class shares of the Fund. These expense reimbursement arrangements will continue through at least September 30, 2020, unless changed with approval of the Board of Trustees.
[7] The performance shown for the Advisor Class that is prior to its inception date is based on performance of the Fund's Retirement Class. The performance for these periods has not been restated to reflect the lower expenses of the Advisor Class.
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TIAA-CREF Lifecycle Index 2050 Fund
TIAA-CREF Lifecycle Index 2050 Fund
Investment objective

The Lifecycle Index 2050 Fund seeks high total return over time through a combination of capital appreciation and income.

Fees and expenses

This table describes the fees and expenses that you may pay if you buy and hold shares of the Fund. In addition to the fees and expenses described below, investors may be required to pay a commission to a broker-dealer or other financial intermediary on purchases and sales of Institutional Class or Advisor Class shares of the Fund.

SHAREHOLDER FEES (fees paid directly from your investment)
Shareholder Fees - TIAA-CREF Lifecycle Index 2050 Fund
Institutional Class
Advisor Class
Premier Class
Retirement Class
Maximum sales charge imposed on purchases (percentage of offering price) none none none none
Maximum deferred sales charge none none none none
Maximum sales charge imposed on reinvested dividends and other distributions none none none none
Redemption or exchange fee none none none none
Maximum account fee none none none none
ANNUAL FUND OPERATING EXPENSES (expenses that you pay each year as a percentage of the value of your investment)
Annual Fund Operating Expenses - TIAA-CREF Lifecycle Index 2050 Fund
Institutional Class
Advisor Class
Premier Class
Retirement Class
Management fees [1],[2] 0.15% 0.15% 0.15% 0.15%
Distribution (Rule 12b-1) fees     0.15%  
Other expenses [1],[2] 0.04% 0.13% 0.04% 0.29%
Total annual Fund operating expenses 0.19% 0.28% 0.34% 0.44%
Waivers and expense reimbursements [3],[4] (0.09%) (0.10%) (0.09%) (0.09%)
Total annual Fund operating expenses after fee waiver and/or expense reimbursement 0.10% 0.18% 0.25% 0.35%
[1] Portions of the Management fees and Other expenses are based on expenses originally incurred by Class W shares of the Underlying Funds (as defined below) of the Trust, which have been incurred directly by the Fund pursuant to certain contractual arrangements intended to reallocate directly to the Fund certain fees and expenses that had been paid by the Underlying Funds of the Trust. For additional information, please see the "Management of the Funds" section of this Prospectus.
[2] Restated to reflect estimates for the current fiscal year.
[3] Advisors has contractually agreed to waive 0.061% of the Fund's Management fee. This waiver will remain in effect through September 30, 2020, unless changed with the approval of the Board of Trustees.
[4] Under the Fund's expense reimbursement arrangements, the Fund's investment adviser, Teachers Advisors, LLC ("Advisors"), has contractually agreed to reimburse the Fund for any Total annual Fund operating expenses (excluding interest, taxes, brokerage commissions or other transactional expenses, Acquired Fund fees and expenses, extraordinary expenses and any expenses originally attributable to Class W shares of the Underlying Funds of the Trust that were incurred directly by the Fund) that exceed: (i) 0.039% of average daily net assets for Institutional Class shares; (ii) 0.189% of average daily net assets for Advisor Class shares; (iii) 0.189% of average daily net assets for Premier Class shares; and (iv) 0.289% of average daily net assets for Retirement Class shares of the Fund. These expense reimbursement arrangements will continue through at least September 30, 2020, unless changed with approval of the Board of Trustees.
Example

This example is intended to help you compare the cost of investing in shares of the Fund with the cost of investing in other mutual funds. The example assumes that you invest $10,000 in the Fund for the time periods indicated and then redeem all your shares at the end of those periods. The example also assumes that your investment has a 5% return each year and that the Fund’s operating expenses, before fee waivers and/or expense reimbursements, remain the same. The example assumes that the Fund’s fee waiver and/or expense reimbursement arrangements will each remain in place for the durations noted in the table above. Although your actual costs may be higher or lower, based on these assumptions your costs would be:

Expense Example - TIAA-CREF Lifecycle Index 2050 Fund - USD ($)
Institutional Class
Advisor Class
Premier Class
Retirement Class
1 year $ 10 $ 18 $ 26 $ 36
3 years 52 80 100 132
5 years 98 147 182 237
10 years $ 234 $ 346 $ 422 $ 546
Portfolio turnover

The Fund pays transaction costs, such as commissions, when it buys and sells securities (or “turns over” its portfolio). A higher portfolio turnover rate may indicate higher transaction costs and may result in higher taxes when Fund shares are held in a taxable account. These costs, which are not reflected in annual fund operating expenses or in the example, affect the Fund’s performance. During the fiscal year ended May 31, 2019, the Fund’s portfolio turnover rate was 5% of the average value of its portfolio.

Principal investment strategies

The Fund is a “fund of funds” that invests in Class W shares of other funds of the Trust and potentially in other investment pools or investment products, including other funds advised by the Fund’s investment adviser, Teachers Advisors, LLC (“Advisors”), or its affiliates (collectively, the “Underlying Funds”). In general, the Fund is designed for investors who have an approximate target retirement year in mind, and the Fund’s investments are adjusted from more aggressive to more conservative over time as the Fund’s target retirement year approaches and for approximately 30 years afterwards. The Fund invests in Underlying Funds according to an asset allocation strategy designed for investors retiring in, or planning to retire within a few years of, 2050 and who may begin taking systematic withdrawals upon retirement. The Fund has a policy of investing at least 80% of its assets (net assets, plus the amount of any borrowings for investment purposes) in Underlying Funds that are managed to seek investment returns that track particular market indices.


Advisors currently expects to allocate approximately 91.25% of the Fund’s assets to equity Underlying Funds and 8.75% of its assets to fixed-income Underlying Funds. These allocations represent targets for equity and fixed-income asset classes. Target allocations will change over time and actual allocations may vary up to ten percentage points from the targets. The target allocations along the investment glidepath, illustrated in the chart below, gradually become more conservative, moving to target allocations of approximately 50.00% equity/50.00% fixed-income in the Fund’s target retirement year of 2050 and reaching the Fund’s final target allocation of approximately 20.00% equity/80.00% fixed-income in 2080. Within the equity and fixed-income asset classes, Advisors allocates the Fund’s investments to particular market sectors (U.S. equity, international equity, fixed-income, short-term fixed-income and inflation-protected assets) represented by various Underlying Funds. These market sector allocations may vary by up to 10% from the Fund’s target market sector allocations. The Fund’s current target market sector allocations for June 30, 2020, which will change over time, are approximately as follows: U.S. Equity: 63.87%; International Equity: 27.38%; Fixed-Income: 8.75%; Short-Term Fixed-Income: 0.00%; and Inflation-Protected Assets: 0.00%. The asset class and market sector names used herein are intended to reflect the primary type of investment of the Underlying Funds within each of these categories.


The Fund’s target market sector allocations to Underlying Funds may include the TIAA-CREF Equity Index Fund (U.S. Equity); Emerging Markets Equity Index Fund and International Equity Index Fund (International Equity); Bond Index Fund (Fixed-Income); Short-Term Bond Index Fund (Short-Term Fixed-Income); and Inflation-Linked Bond Fund (Inflation-Protected Assets).


Additional or replacement Underlying Funds for each market sector, as well as additional or replacement market sectors, may be included when making future allocations if Advisors believes that such Underlying Funds and/or market sectors are appropriate in light of the Fund’s desired levels of risk and potential return at the particular time. The Fund’s portfolio management team may also add a new market sector if it believes that will help to achieve the Fund’s investment objective. The relative allocations among Underlying Funds within a market sector may be changed at any time without notice to shareholders. If 10% or more of the Fund’s assets are expected to be invested in any Underlying Fund or market sector not listed above, shareholders will receive prior notice of such change.


The Fund’s asset class allocations, market sector allocations within each asset class, and Underlying Fund allocations within each market sector, as of June 30, 2019, are listed in the chart below. These allocations will change over time. Underlying Fund allocations in particular may change from year to year.


        

Asset Class

Allocation

  

Market Sector

Allocation

 

Underlying Funds

Allocation

Equity

91.65%

 

U.S. Equity

64.27%

 

Ÿ Equity Index Fund

64.27%

   

International Equity

27.38%

 

Ÿ International Equity Index Fund

19.63%

      

Ÿ Emerging Markets Equity Index Fund

7.75%

Fixed-Income

8.35%

 

Fixed-Income

8.35%

 

Ÿ Bond Index Fund

8.35%


        

Total

100.00%

  

100.00%

  

100.00%


The following chart shows how the investment glidepath for the Fund is expected to gradually move the Fund’s target allocations over time between the different target market sector allocations. The actual market sector allocations of the Fund may differ from this chart. The Fund seeks to achieve its final target market sector allocations approximately 30 years following the target date.


Lifecycle Index Funds Glidepath as of June 30, 2020
Years to Target Retirement Date US Equities International Equities Fixed Income Short Term Fixed Income Inflation Protected Bonds
45 66.50% 28.50% 5.00% 0.00% 0.00%
40 65.62% 28.13% 6.25% 0.00% 0.00%
35 64.75% 27.75% 7.50% 0.00% 0.00%
30 63.87% 27.38% 8.75% 0.00% 0.00%
25 63.00% 27.00% 10.00% 0.00% 0.00%
20 57.40% 24.60% 18.00% 0.00% 0.00%
15 51.80% 22.20% 26.00% 0.00% 0.00%
10 46.20% 19.80% 30.00% 2.00% 2.00%
5 40.60% 17.40% 34.00% 4.00% 4.00%
0 35.00% 15.00% 38.00% 6.00% 6.00%
-5 31.50% 13.50% 39.00% 8.00% 8.00%
-10 28.00% 12.00% 40.00% 10.00% 10.00%
-15 24.50% 10.50% 40.00% 15.00% 10.00%
-20 21.00% 9.00% 40.00% 20.00% 10.00%
-25 17.50% 7.50% 40.00% 25.00% 10.00%
-30 14.00% 6.00% 40.00% 30.00% 10.00%

The Fund is designed to accommodate investors who invest in a fund up to their target retirement date, and plan to make gradual systematic withdrawals in retirement. In addition, investors should note that the Fund will continue to have a significant level of equity exposure up to, through and after its target retirement date, and this exposure could cause significant fluctuations in the value of the Fund depending on the performance of the equity markets generally.


After the Fund reaches its final target allocation, the Board of Trustees may authorize the merger of the Fund into another Lifecycle Index Fund which has also reached its final target allocation or other similar fund designed to maintain a relatively stable asset allocation reflecting the resting point on the glidepath described in the chart above. Fund shareholders will receive prior notice of any such merger.

Principal investment risks

You could lose money over short or long periods by investing in this Fund. An investment in the Fund, due to the nature of the Fund’s portfolio holdings, typically is subject to the following principal investment risks:


· Asset Allocation Risk—The risk that the Fund may not achieve its target allocations. In addition, there is the risk that the asset allocations may not achieve the desired risk-return characteristic or that the selection of Underlying Funds and the allocations among them will result in the Fund underperforming other similar funds or cause an investor to lose money.


· Index Risk—The risk that the Fund’s performance may not correspond to its benchmark index for any period of time and may underperform such index or the overall financial market. Additionally, to the extent that the Fund’s investments vary from the composition of its benchmark index, the Fund’s performance could potentially vary from the index’s performance to a greater extent than if the Fund merely attempted to replicate the index.


· Underlying Funds Risks—The Fund is exposed to the risks of the Underlying Funds in which it invests in direct proportion to the amount of assets the Fund allocates to each Underlying Fund.


· Equity Underlying Funds Risks—The risks of investing in equity Underlying Funds include risks specific to their investment strategies, as well as risks related to the equity markets in general, such as:


· market risk—The risk that the price of equity investments may decline in response to general market and economic conditions or events, including conditions and developments outside of the financial markets;


· issuer risk—The risk that an issuer’s earnings prospects and overall financial position will deteriorate, causing a decline in the value of the issuer’s financial instruments over short or extended periods of time; and


· foreign investment risk—The increased risks of adverse issuer, political, regulatory, currency, market or economic developments compared to investments in U.S. issuers, which can result in greater market and price volatility.


· Fixed-Income Underlying Funds Risks—The risks of investing in fixed-income Underlying Funds include risks specific to their investment strategies, as well as risks related to the fixed-income markets in general, such as:


· interest rate risk—The risk that the value or yield of fixed-income investments may decline if interest rates change, which could adversely affect a Fund’s income or the value of its holdings;


· extension risk—The risk that during periods of rising interest rates, borrowers may pay off their mortgage loans later than expected, preventing a Fund from reinvesting principal proceeds at higher interest rates and resulting in less income than potentially available;


· issuer risk—The risk that an issuer’s earnings prospects and overall financial position will deteriorate, causing a decline in the value of the issuer’s financial instruments over short or extended periods of time;


· credit risk—The risk that a decline in an issuer’s financial position may prevent it from making principal and interest payments on fixed-income investments held by a Fund when due;


· credit spread risk—The risk that credit spreads (i.e., the difference in yield between securities that is due to differences in each security’s respective credit quality) may increase when market participants believe that bonds generally have a greater risk of default, which could result in a decline in the market values of a Fund’s debt securities;


· income volatility risk—The risk that the level of current income from a Fund’s portfolio of fixed-income securities may decline due to rapid and unpredictable changes in prevailing market interest rates; and


· call risk—The risk that, during periods of falling interest rates, an issuer may call (or repay) a fixed-income security prior to maturity, resulting in a decline in a Fund’s income.


· Active Management Risk—The risk that the strategy, investment selection or trading execution of Advisors could cause the Fund or an Underlying Fund to underperform its benchmark index or mutual funds with similar investment objectives.


· Fund of Funds Risk—The ability of the Fund to achieve its investment objective will depend in part upon the ability of the Underlying Funds to achieve their investment objectives. There can be no guarantee that any Underlying Fund will achieve its investment objective.


There can be no assurances that the Fund will achieve its investment objective. You should not consider the Fund to be a complete investment program. Please see the non-summary portion of the Prospectus for more detailed information about the risks described above, including the risks of the Underlying Funds.

Past performance

The following chart and table help illustrate some of the risks of investing in the Fund by showing changes in the Fund’s performance from year to year. The bar chart shows the annual total returns of the Retirement Class of the Fund, before taxes, in each full calendar year since inception of the Retirement Class. Because the expenses vary across share classes, the performance of the Retirement Class may vary from the other share classes. Below the bar chart are the best and worst returns of the Retirement Class for a calendar quarter during the full calendar-year periods covered by the bar chart. The performance table following the bar chart shows the Fund’s average annual total returns for the Retirement, Institutional, Advisor and Premier classes over the applicable one-year, five-year, ten-year and since-inception periods ended December 31, 2018, and how those returns compare to those of a broad-based securities market index and a composite index based on the Fund’s target allocations. After-tax performance is shown only for the Retirement Class shares, and after-tax returns for the other classes of shares will vary from the after-tax returns presented for Retirement Class shares.


The returns shown below reflect previous agreements by Advisors to waive or reimburse the Fund and certain Underlying Funds for certain fees and expenses. Without these waivers and reimbursements, the returns of the Fund would have been lower. Past performance of the Fund (before and after taxes) is not necessarily an indication of how it will perform in the future. The indices listed below are unmanaged, and you cannot invest directly in an index. The returns for the indices reflect no deduction for fees, expenses or taxes.


For current performance information of each share class, including performance to the most recent month-end, please visit www.tiaa.org.

ANNUAL TOTAL RETURNS FOR THE RETIREMENT CLASS SHARES (%)† Lifecycle Index 2050 Fund
Bar Chart

 The year-to-date return as of the most recent calendar quarter, which ended on June 30, 2019, was 15.90%.

Best quarter: 11.85%, for the quarter ended September 30, 2010. Worst quarter: -14.85%, for the quarter ended September 30, 2011.

AVERAGE ANNUAL TOTAL RETURNS For the Periods Ended December 31, 2018
Average Annual Returns - TIAA-CREF Lifecycle Index 2050 Fund
1 Year
5 Years
Since Inception
Inception Date
Retirement Class (7.26%) 5.32% 8.76% Sep. 30, 2009
Institutional Class (7.01%) 5.59% 9.03% Sep. 30, 2009
Advisor Class (7.05%) 5.45% [1] 8.83% [1] Dec. 04, 2015
Premier Class (7.13%) 5.43% 8.87% Sep. 30, 2009
After Taxes on Distributions | Retirement Class (7.80%) 4.72% 8.23%  
After Taxes on Distributions and Sale of Fund Shares | Retirement Class (3.95%) 4.06% 7.05%  
S&P Target Date 2050 Index (7.94%) 5.01% 8.64% [2]  
Lifecycle Index 2050 Fund Composite Index (reflects no deductions for fees, expenses or taxes) [3] (7.14%) 5.65% 9.14% [2]  
[1] The performance shown for the Advisor Class that is prior to its inception date is based on performance of the Fund's Retirement Class. The performance for these periods has not been restated to reflect the lower expenses of the Advisor Class.
[2] Performance is calculated from the inception date of the Retirement Class.
[3] As of the close of business on December 31, 2018, the Lifecycle Index 2050 Fund Composite Index consisted of: 64.1% Russell 3000® Index; 27.5% MSCI EAFE + Emerging Markets Index; and 8.4% Bloomberg Barclays U.S. Aggregate Bond Index. The Fund's composite benchmark, the components that make up a composite benchmark and the method of calculating a composite benchmark's performance may vary over time.

Current performance of the Fund’s shares may be higher or lower than that shown above.


After-tax returns are calculated using the historical highest individual federal marginal income tax rates in effect during the periods shown and do not reflect the impact of state and local taxes. Actual after-tax returns depend on the investor’s tax situation and may differ from those shown. The after-tax returns shown are not relevant to investors who hold their Fund shares through tax-deferred arrangements such as 401(a), 401(k) or 403(b) plans or Individual Retirement Accounts (IRAs). After-tax returns are shown for only one class, and after-tax returns for other classes will vary.

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TIAA-CREF Lifecycle 2015 Fund
TIAA-CREF Lifecycle 2015 Fund
Investment objective

The Lifecycle 2015 Fund seeks high total return over time through a combination of capital appreciation and income.

Fees and expenses

This table describes the fees and expenses that you may pay if you buy and hold shares of the Fund. In addition to the fees and expenses described below, investors may be required to pay a commission to a broker-dealer or other financial intermediary on purchases and sales of Institutional Class or Advisor Class shares of the Fund.

SHAREHOLDER FEES (fees paid directly from your investment)
Shareholder Fees - TIAA-CREF Lifecycle 2015 Fund
Institutional Class
Advisor Class
Premier Class
Retirement Class
Maximum sales charge imposed on purchases (percentage of offering price) none none none none
Maximum deferred sales charge none none none none
Maximum sales charge imposed on reinvested dividends and other distributions none none none none
Redemption or exchange fee none none none none
Maximum account fee none none none none
ANNUAL FUND OPERATING EXPENSES (expenses that you pay each year as a percentage of the value of your investment)
Annual Fund Operating Expenses - TIAA-CREF Lifecycle 2015 Fund
Institutional Class
Advisor Class
Premier Class
Retirement Class
Management fees [1],[2] 0.43% 0.43% 0.43% 0.43%
Distribution (Rule 12b-1) fees     0.15%  
Other expenses [1],[2] 0.04% 0.12% 0.04% 0.29%
Acquired Fund fees and expenses [3] 0.03% 0.03% 0.03% 0.03%
Total annual Fund operating expenses 0.50% 0.58% 0.65% 0.75%
Waivers and expense reimbursements [4],[5] (0.12%) (0.12%) (0.12%) (0.12%)
Total annual Fund operating expenses after fee waiver and/or expense reimbursement 0.38% 0.46% 0.53% 0.63%
[1] Portions of the Management fees and Other expenses are based on expenses originally incurred by Class W shares of the Underlying Funds (as defined below) of the Trust, which have been incurred directly by the Fund pursuant to certain contractual arrangements intended to reallocate directly to the Fund certain fees and expenses that had been paid by the Underlying Funds of the Trust. For additional information, please see the "Management of the Funds" section of this Prospectus.
[2] Restated to reflect estimates for the current fiscal year.
[3] "Acquired Fund fees and expenses" are the Fund's proportionate amount of the expenses of any investment companies or pools in which it invests (excluding expenses originally incurred by Class W of the Underlying Funds of the Trust that have been incurred directly by the Fund, which are instead reflected in Management fees and Other expenses). These expenses are not paid directly by Fund shareholders. Instead, Fund shareholders bear these expenses indirectly because they reduce Fund performance. Because "Acquired Fund fees and expenses" are included in the chart above, the Fund's operating expenses here will not correlate with the expenses included in the Financial highlights in this Prospectus and the Fund's annual report.
[4] Advisors has contractually agreed to waive 0.10% of the Fund's Management fee. This waiver will remain in effect through September 30, 2022, unless changed with the approval of the Board of Trustees.
[5] Under the Fund's expense reimbursement arrangements, the Fund's investment adviser, Teachers Advisors, LLC ("Advisors"), has contractually agreed to reimburse the Fund for any Total annual Fund operating expenses (excluding interest, taxes, brokerage commissions or other transactional expenses, Acquired Fund fees and expenses, extraordinary expenses and any expenses originally attributable to Class W shares of the Underlying Funds of the Trust that were incurred directly by the Fund) that exceed: (i) 0.00% of average daily net assets for Institutional Class shares; (ii) 0.15% of average daily net assets for Advisor Class shares; (iii) 0.15% of average daily net assets for Premier Class shares; and (iv) 0.25% of average daily net assets for Retirement Class shares of the Fund. These expense reimbursement arrangements will continue through at least September 30, 2020, unless changed with approval of the Board of Trustees.
Example

This example is intended to help you compare the cost of investing in shares of the Fund with the cost of investing in other mutual funds. The example assumes that you invest $10,000 in the Fund for the time periods indicated and then redeem all your shares at the end of those periods. The example also assumes that your investment has a 5% return each year and that the Fund’s operating expenses, before fee waivers and/or expense reimbursements, remain the same. The example assumes that the Fund’s fee waiver and/or expense reimbursement arrangements will each remain in place for the durations noted in the table above. Although your actual costs may be higher or lower, based on these assumptions your costs would be:

Expense Example - TIAA-CREF Lifecycle 2015 Fund - USD ($)
Institutional Class
Advisor Class
Premier Class
Retirement Class
1 year $ 39 $ 47 $ 54 $ 64
3 years 126 152 174 206
5 years 246 290 329 384
10 years $ 596 $ 694 $ 779 $ 899
Portfolio turnover

The Fund pays transaction costs, such as commissions, when it buys and sells securities (or “turns over” its portfolio). A higher portfolio turnover rate may indicate higher transaction costs and may result in higher taxes when Fund shares are held in a taxable account. These costs, which are not reflected in annual fund operating expenses or in the example, affect the Fund’s performance. During the fiscal year ended May 31, 2019, the Fund’s portfolio turnover rate was 21% of the average value of its portfolio.

Principal investment strategies

The Fund is a “fund of funds” that invests in Class W shares of other funds of the Trust and in other investment pools or investment products, potentially including other funds advised by the Fund’s investment adviser, Teachers Advisors, LLC (“Advisors”), or its affiliates (collectively, the “Underlying Funds”). In general, the Fund is designed for investors who have an approximate target retirement year in mind, and the Fund’s investments are adjusted from more aggressive to more conservative over time as the Fund’s target retirement year approaches and for approximately 30 years afterwards. The Fund invests in Underlying Funds according to an asset allocation strategy designed for investors who retired in, or planned to retire within a few years of, 2015 and may have begun taking systematic withdrawals upon retirement.


Advisors currently expects to allocate approximately 40.00% of the Fund’s assets to equity Underlying Funds, 55.00% of its assets to fixed-income Underlying Funds and 5.00% of its assets to direct real estate Underlying Funds. These allocations represent targets for equity, fixed-income and direct real estate asset classes. Target allocations will change over time and actual allocations may vary up to ten percentage points from the targets. The target allocations along the investment glidepath, illustrated in the chart below, gradually become more conservative. The Fund had target allocations of approximately 50.00% equity/50.00% fixed-income in the Fund’s target retirement year of 2015 (the direct real estate asset class was added in 2017) and will reach the Fund’s final target allocation of approximately 20.00% equity/80.00% fixed-income/0.00% direct real estate in 2045. Within the equity, fixed-income and direct real estate asset classes, Advisors allocates the Fund’s investments to particular market sectors (U.S. equity, international equity, fixed-income, short-term fixed-income, inflation-protected assets and direct real estate) represented by various Underlying Funds. These market sector allocations may vary by up to 10% from the Fund’s target market sector allocations. The Fund’s current target market sector allocations for June 30, 2020, which will change over time, are approximately as follows: U.S. Equity: 28.00%; International Equity: 12.00%; Fixed-Income: 39.00%; Short-Term Fixed-Income: 8.00%; Inflation-Protected Assets: 8.00%; and Direct Real Estate: 5.00%. The asset class and market sector names used herein are intended to reflect the primary type of investment of the Underlying Funds within each of these categories.


The Fund’s target market sector allocations to Underlying Funds may include the TIAA-CREF Growth & Income Fund, Large-Cap Growth Fund, Large-Cap Value Fund, Quant Large-Cap Growth Fund, Quant Large-Cap Value Fund, Quant Small-Cap Equity Fund and Quant Small/Mid-Cap Equity Fund (U.S. Equity); Emerging Markets Equity Fund, International Equity Fund, International Opportunities Fund, Quant International Equity Fund and Quant International Small-Cap Equity Fund (International Equity); Bond Fund, Bond Plus Fund, Emerging Markets Debt Fund, High-Yield Fund and International Bond Fund (Fixed-Income); Money Market Fund and Short-Term Bond Fund (Short-Term Fixed-Income); Inflation-Linked Bond Fund (Inflation-Protected Assets); and Real Property Fund LP (Direct Real Estate). TIAA-CREF Real Property Fund LP is a private fund, which is not available for investment by the general public; it is currently offered exclusively to investment pools or investment products managed by Advisors or its affiliates.


Additional or replacement Underlying Funds for each market sector, as well as additional or replacement market sectors, may be included when making future allocations if Advisors believes that such Underlying Funds and/or market sectors are appropriate in light of the Fund’s desired levels of risk and potential return at the particular time. The Fund’s portfolio management team may also add a new market sector if it believes that will help to achieve the Fund’s investment objective. The relative allocations among Underlying Funds within a market sector may be changed at any time without notice to shareholders, and the portfolio management team may use tactical allocation to take advantage of short to intermediate term opportunities through a combination of positions in Underlying Funds. If 10% or more of the Fund’s assets are expected to be invested in any Underlying Fund or market sector not listed above, shareholders will receive prior notice of such change.


The Fund’s asset class allocations, market sector allocations within each asset class, and Underlying Fund allocations within each market sector, as of June 30, 2019, are listed in the chart below. These allocations will change over time. Underlying Fund allocations in particular may change from year to year.


        

Asset Class

Allocation

  

Market Sector

Allocation

 

Underlying Funds

Allocation

Equity

42.07%

 

U.S. Equity

29.51%

 

Ÿ Growth & Income Fund

6.18%

      

Ÿ Large-Cap Growth Fund

5.59%

      

Ÿ Large-Cap Value Fund

5.42%

      

Ÿ Quant Large-Cap Growth Fund

4.88%

      

Ÿ Quant Large-Cap Value Fund

4.74%

      

Ÿ Quant Small-Cap Equity Fund

1.51%

      

Ÿ Quant Small/Mid-Cap Equity Fund

1.19%

   

International Equity

12.56%

 

Ÿ Quant International Equity Fund

3.28%

      

Ÿ International Equity Fund

2.73%

      

Ÿ International Opportunities Fund

2.72%

      

Ÿ Emerging Markets Equity Fund

2.15%

      

Ÿ Quant International Small-Cap Equity Fund

1.68%

Fixed-Income

53.25%

 

Fixed-Income

37.34%

 

Ÿ Bond Fund

19.13%

      

Ÿ Bond Plus Fund

12.48%

      

Ÿ Emerging Markets Debt Fund

2.07%

      

Ÿ International Bond Fund

2.00%

      

Ÿ High-Yield Fund

1.66%

   

Short-Term
Fixed-Income

8.45%

 

Ÿ Short-Term Bond Fund

8.45%

   

Inflation-
Protected Assets

7.46%

 

Ÿ Inflation-Linked Bond Fund

7.46%

Real Estate

4.68%

 

Direct Real Estate

4.68%

 

Ÿ TIAA-CREF Real Property Fund LP

4.68%


        

Total

100.00%

  

100.00%

  

100.00%


The following chart shows how the investment glidepath for the Fund is expected to gradually move the Fund’s target allocations over time between the different target market sector allocations. The actual market sector allocations of the Fund may differ from this chart. The Fund seeks to achieve its final target market sector allocations approximately 30 years following the target date.


Lifecycle Funds Glidepath as of June 30, 2020
Years to Target Retirement Date US Equities International Equities Direct Real Estate Fixed Income Short Term Fixed Income Inflation Protected Bonds
45 66.50% 28.50% 5.00% 0.00% 0.00% 0.00%
40 65.62% 28.13% 5.00% 1.25% 0.00% 0.00%
35 64.75% 27.75% 5.00% 2.50% 0.00% 0.00%
30 63.87% 27.38% 5.00% 3.75% 0.00% 0.00%
25 63.00% 27.00% 5.00% 5.00% 0.00% 0.00%
20 56.70% 24.30% 5.00% 14.00% 0.00% 0.00%
15 50.40% 21.60% 5.00% 23.00% 0.00% 0.00%
10 44.10% 18.90% 5.00% 28.00% 2.00% 2.00%
5 37.80% 16.20% 5.00% 33.00% 4.00% 4.00%
0 31.50% 13.50% 5.00% 38.00% 6.00% 6.00%
-5 28.00% 12.00% 5.00% 39.00% 8.00% 8.00%
-10 24.50% 10.50% 5.00% 40.00% 10.00% 10.00%
-15 22.75% 9.75% 2.50% 40.00% 15.00% 10.00%
-20 21.00% 9.00% 0.00% 40.00% 20.00% 10.00%
-25 17.50% 7.50% 0.00% 40.00% 25.00% 10.00%
-30 14.00% 6.00% 0.00% 40.00% 30.00% 10.00%

The Fund is designed to accommodate investors who invest in a fund up to their target retirement date, and plan to make gradual systematic withdrawals in retirement. In addition, investors should note that the Fund will continue to have a significant level of equity exposure up to, through and after its target retirement date, and this exposure could cause significant fluctuations in the value of the Fund depending on the performance of the equity markets generally.


After the Fund reaches its final target allocation, the Board of Trustees may authorize the merger of the Fund into another Lifecycle Fund which has also reached its final target allocation or other similar fund designed to maintain a relatively stable asset allocation reflecting the resting point on the glidepath described in the chart above. Fund shareholders will receive prior notice of any such merger.

Principal investment risks

You could lose money over short or long periods by investing in this Fund. An investment in the Fund, due to the nature of the Fund’s portfolio holdings, typically is subject to the following principal investment risks:


· Asset Allocation Risk—The risk that the Fund may not achieve its target allocations. In addition, there is the risk that the asset allocations may not achieve the desired risk-return characteristic or that the selection of Underlying Funds and the allocations among them will result in the Fund underperforming other similar funds or cause an investor to lose money.


· Underlying Funds Risks—The Fund is exposed to the risks of the Underlying Funds in which it invests in direct proportion to the amount of assets the Fund allocates to each Underlying Fund.


· Equity Underlying Funds Risks—The risks of investing in equity Underlying Funds include risks specific to their investment strategies, as well as risks related to the equity markets in general, such as:


· market risk—The risk that the price of equity investments may decline in response to general market and economic conditions or events, including conditions and developments outside of the financial markets;


· issuer risk—The risk that an issuer’s earnings prospects and overall financial position will deteriorate, causing a decline in the value of the issuer’s financial instruments over short or extended periods of time; and


· foreign investment risk—The increased risks of adverse issuer, political, regulatory, currency, market or economic developments compared to investments in U.S. issuers, which can result in greater market and price volatility.


· Fixed-Income Underlying Funds Risks—The risks of investing in fixed-income Underlying Funds include risks specific to their investment strategies, as well as risks related to the fixed-income markets in general, such as:


· interest rate risk—The risk that the value or yield of fixed-income investments may decline if interest rates change, which could adversely affect a Fund’s income or the value of its holdings;


· extension risk—The risk that during periods of rising interest rates, borrowers may pay off their mortgage loans later than expected, preventing a Fund from reinvesting principal proceeds at higher interest rates and resulting in less income than potentially available;


· issuer risk—The risk that an issuer’s earnings prospects and overall financial position will deteriorate, causing a decline in the value of the issuer’s financial instruments over short or extended periods of time;


· credit risk—The risk that a decline in an issuer’s financial position may prevent it from making principal and interest payments on fixed-income investments held by a Fund when due;


· credit spread risk—The risk that credit spreads (i.e., the difference in yield between securities that is due to differences in each security’s respective credit quality) may increase when market participants believe that bonds generally have a greater risk of default, which could result in a decline in the market values of a Fund’s debt securities;


· income volatility risk—The risk that the level of current income from a Fund’s portfolio of fixed-income securities may decline due to rapid and unpredictable changes in prevailing market interest rates; and


· call risk—The risk that, during periods of falling interest rates, an issuer may call (or repay) a fixed-income security prior to maturity, resulting in a decline in a Fund’s income.


· Direct Real Estate Underlying Funds Risks—The risks of investing in direct real estate Underlying Funds include risks specific to their investment strategies, as well as risks related to investing in real estate in general, such as:


· real estate-related investment risk—The risks associated with exposure to direct real estate through investing in investment vehicles managed by Advisors that will primarily invest directly in real estate, which can include declines in real estate values or revenues, uninsured losses at properties, the absence of regulatory oversight of and a secondary market for interests in direct real estate Underlying Funds, a scarcity of interests issued by direct real estate Underlying Funds, making it difficult for the Fund to achieve its target allocation, and illiquidity of interests in direct real estate Underlying Funds.


· Active Management Risk—The risk that the strategy, investment selection or trading execution of Advisors could cause the Fund or an Underlying Fund to underperform its benchmark index or mutual funds with similar investment objectives.


· Fund of Funds Risk—The ability of the Fund to achieve its investment objective will depend in part upon the ability of the Underlying Funds to achieve their investment objectives. There can be no guarantee that any Underlying Fund will achieve its investment objective.


There can be no assurances that the Fund will achieve its investment objective. You should not consider the Fund to be a complete investment program. Please see the non-summary portion of the Prospectus for more detailed information about the risks described above, including the risks of the Underlying Funds.

Past performance

The following chart and table help illustrate some of the risks of investing in the Fund by showing changes in the Fund’s performance from year to year. The bar chart shows the annual total returns of the Retirement Class of the Fund, before taxes, in each full calendar year for the last ten years. Because the expenses vary across share classes, the performance of the Retirement Class may vary from the other share classes. Below the bar chart are the best and worst returns of the Retirement Class for a calendar quarter during the full calendar-year periods covered by the bar chart. The performance table following the bar chart shows the Fund’s average annual total returns for the Retirement, Institutional, Advisor and Premier classes over the applicable one-year, five-year, ten-year and since-inception periods ended December 31, 2018, and how those returns compare to those of a broad-based securities market index and a composite index that represents the market sectors in which the Fund invests across the equity and fixed-income asset classes. After-tax performance is shown only for the Retirement Class shares, and after-tax returns for the other classes of shares will vary from the after-tax returns presented for Retirement Class shares.


The returns shown below reflect previous agreements by Advisors to waive or reimburse the Fund and certain Underlying Funds for certain fees and expenses. Without these waivers and reimbursements, the returns of the Fund would have been lower. Past performance of the Fund (before and after taxes) is not necessarily an indication of how it will perform in the future. The indices listed below are unmanaged, and you cannot invest directly in an index. The returns for the indices reflect no deduction for fees, expenses or taxes.


For current performance information of each share class, including performance to the most recent month-end, please visit www.tiaa.org.

ANNUAL TOTAL RETURNS FOR THE RETIREMENT CLASS SHARES (%)† Lifecycle 2015 Fund
Bar Chart

 The year-to-date return as of the most recent calendar quarter, which ended on June 30, 2019, was 10.78%.

Best quarter: 12.39%, for the quarter ended June 30, 2009. Worst quarter: -9.52%, for the quarter ended September 30, 2011.

AVERAGE ANNUAL TOTAL RETURNS For the Periods Ended December 31, 2018
Average Annual Returns - TIAA-CREF Lifecycle 2015 Fund
1 Year
5 Years
10 Years
Inception Date
Retirement Class (4.74%) 3.75% 7.80% Oct. 15, 2004
Institutional Class (4.41%) 4.03% 8.08% Jan. 17, 2007
Advisor Class (4.42%) 3.91% [1] 7.88% [1] Dec. 04, 2015
Premier Class (4.60%) 3.87% 7.90% [1] Sep. 30, 2009
After Taxes on Distributions | Retirement Class (6.36%) 2.05% 6.39%  
After Taxes on Distributions and Sale of Fund Shares | Retirement Class (2.07%) 2.54% 5.99%  
S&P Target Date 2015 Index (3.67%) 3.79% 7.11%  
Lifecycle 2015 Fund Composite Index (reflects no deductions for fees, expenses or taxes) [2] (3.48%) 4.12% 7.74%  
[1] The performance shown for the Advisor and Premier classes that is prior to their inception dates is based on performance of the Fund's Retirement Class. The performance for these periods has not been restated to reflect the lower expenses of the Advisor and Premier classes.
[2] As of the close of business on December 31, 2018, the Lifecycle 2015 Fund Composite Index consisted of: 38.7% Bloomberg Barclays U.S. Aggregate Bond Index; 32.5% Russell 3000® Index; 14.0% MSCI All Country World Index ex USA Investable Market Index; 7.4% Bloomberg Barclays U.S. 1-3 Year Government/Credit Bond Index; and 7.4% Bloomberg Barclays U.S. Treasury Inflation Protected Securities (TIPS) 1-10 Year Index. The Fund's composite benchmark, the components that make up a composite benchmark and the method of calculating a composite benchmark's performance may vary over time.

Current performance of the Fund’s shares may be higher or lower than that shown above.



After-tax returns are calculated using the historical highest individual federal marginal income tax rates in effect during the periods shown and do not reflect the impact of state and local taxes. Actual after-tax returns depend on the investor’s tax situation and may differ from those shown. The after-tax returns shown are not relevant to investors who hold their Fund shares through tax-deferred arrangements such as 401(a), 401(k) or 403(b) plans or Individual Retirement Accounts (IRAs). After-tax returns are shown for only one class, and after-tax returns for other classes will vary.

XML 41 R128.htm IDEA: XBRL DOCUMENT v3.19.3
TIAA-CREF Lifecycle Index 2035 Fund
TIAA-CREF Lifecycle Index 2035 Fund
Investment objective

The Lifecycle Index 2035 Fund seeks high total return over time through a combination of capital appreciation and income.

Fees and expenses

This table describes the fees and expenses that you may pay if you buy and hold shares of the Fund. In addition to the fees and expenses described below, investors may be required to pay a commission to a broker-dealer or other financial intermediary on purchases and sales of Institutional Class or Advisor Class shares of the Fund.

SHAREHOLDER FEES (fees paid directly from your investment)
Shareholder Fees - TIAA-CREF Lifecycle Index 2035 Fund
Institutional Class
Advisor Class
Premier Class
Retirement Class
Maximum sales charge imposed on purchases (percentage of offering price) none none none none
Maximum deferred sales charge none none none none
Maximum sales charge imposed on reinvested dividends and other distributions none none none none
Redemption or exchange fee none none none none
Maximum account fee none none none none
ANNUAL FUND OPERATING EXPENSES (expenses that you pay each year as a percentage of the value of your investment)
Annual Fund Operating Expenses - TIAA-CREF Lifecycle Index 2035 Fund
Institutional Class
Advisor Class
Premier Class
Retirement Class
Management fees [1],[2] 0.16% 0.16% 0.16% 0.16%
Distribution (Rule 12b-1) fees     0.15%  
Other expenses [1],[2] 0.03% 0.12% 0.03% 0.28%
Total annual Fund operating expenses 0.19% 0.28% 0.34% 0.44%
Waivers and expense reimbursements [3],[4] (0.09%) (0.09%) (0.09%) (0.09%)
Total annual Fund operating expenses after fee waiver and/or expense reimbursement 0.10% 0.19% 0.25% 0.35%
[1] Portions of the Management fees and Other expenses are based on expenses originally incurred by Class W shares of the Underlying Funds (as defined below) of the Trust, which have been incurred directly by the Fund pursuant to certain contractual arrangements intended to reallocate directly to the Fund certain fees and expenses that had been paid by the Underlying Funds of the Trust. For additional information, please see the "Management of the Funds" section of this Prospectus.
[2] Restated to reflect estimates for the current fiscal year.
[3] Advisors has contractually agreed to waive 0.069% of the Fund's Management fee. This waiver will remain in effect through September 30, 2020, unless changed with the approval of the Board of Trustees.
[4] Under the Fund's expense reimbursement arrangements, the Fund's investment adviser, Teachers Advisors, LLC ("Advisors"), has contractually agreed to reimburse the Fund for any Total annual Fund operating expenses (excluding interest, taxes, brokerage commissions or other transactional expenses, Acquired Fund fees and expenses, extraordinary expenses and any expenses originally attributable to Class W shares of the Underlying Funds of the Trust that were incurred directly by the Fund) that exceed: (i) 0.031% of average daily net assets for Institutional Class shares; (ii) 0.181% of average daily net assets for Advisor Class shares; (iii) 0.181% of average daily net assets for Premier Class shares; and (iv) 0.281% of average daily net assets for Retirement Class shares of the Fund. These expense reimbursement arrangements will continue through at least September 30, 2020, unless changed with approval of the Board of Trustees.
Example

This example is intended to help you compare the cost of investing in shares of the Fund with the cost of investing in other mutual funds. The example assumes that you invest $10,000 in the Fund for the time periods indicated and then redeem all your shares at the end of those periods. The example also assumes that your investment has a 5% return each year and that the Fund’s operating expenses, before fee waivers and/or expense reimbursements, remain the same. The example assumes that the Fund’s fee waiver and/or expense reimbursement arrangements will each remain in place for the durations noted in the table above. Although your actual costs may be higher or lower, based on these assumptions your costs would be:

Expense Example - TIAA-CREF Lifecycle Index 2035 Fund - USD ($)
Institutional Class
Advisor Class
Premier Class
Retirement Class
1 year $ 10 $ 19 $ 26 $ 36
3 years 52 81 100 132
5 years 98 148 182 237
10 years $ 234 $ 347 $ 422 $ 546
Portfolio turnover

The Fund pays transaction costs, such as commissions, when it buys and sells securities (or “turns over” its portfolio). A higher portfolio turnover rate may indicate higher transaction costs and may result in higher taxes when Fund shares are held in a taxable account. These costs, which are not reflected in annual fund operating expenses or in the example, affect the Fund’s performance. During the fiscal year ended May 31, 2019, the Fund’s portfolio turnover rate was 7% of the average value of its portfolio.

Principal investment strategies

The Fund is a “fund of funds” that invests in Class W shares of other funds of the Trust and potentially in other investment pools or investment products, including other funds advised by the Fund’s investment adviser, Teachers Advisors, LLC (“Advisors”), or its affiliates (collectively, the “Underlying Funds”). In general, the Fund is designed for investors who have an approximate target retirement year in mind, and the Fund’s investments are adjusted from more aggressive to more conservative over time as the Fund’s target retirement year approaches and for approximately 30 years afterwards. The Fund invests in Underlying Funds according to an asset allocation strategy designed for investors retiring in, or planning to retire within a few years of, 2035 and who may begin taking systematic withdrawals upon retirement. The Fund has a policy of investing at least 80% of its assets (net assets, plus the amount of any borrowings for investment purposes) in Underlying Funds that are managed to seek investment returns that track particular market indices.


Advisors currently expects to allocate approximately 74.00% of the Fund’s assets to equity Underlying Funds and 26.00% of its assets to fixed-income Underlying Funds. These allocations represent targets for equity and fixed-income asset classes. Target allocations will change over time and actual allocations may vary up to ten percentage points from the targets. The target allocations along the investment glidepath, illustrated in the chart below, gradually become more conservative, moving to target allocations of approximately 50.00% equity/50.00% fixed-income in the Fund’s target retirement year of 2035 and reaching the Fund’s final target allocation of approximately 20.00% equity/80.00% fixed-income in 2065. Within the equity and fixed-income asset classes, Advisors allocates the Fund’s investments to particular market sectors (U.S. equity, international equity, fixed-income, short-term fixed-income and inflation-protected assets) represented by various Underlying Funds. These market sector allocations may vary by up to 10% from the Fund’s target market sector allocations. The Fund’s current target market sector allocations for June 30, 2020, which will change over time, are approximately as follows: U.S. Equity: 51.80%; International Equity: 22.20%; Fixed-Income: 26.00%; Short-Term Fixed-Income: 0.00%; and Inflation-Protected Assets: 0.00%. The asset class and market sector names used herein are intended to reflect the primary type of investment of the Underlying Funds within each of these categories.


The Fund’s target market sector allocations to Underlying Funds may include the TIAA-CREF Equity Index Fund (U.S. Equity); Emerging Markets Equity Index Fund and International Equity Index Fund (International Equity); Bond Index Fund (Fixed-Income); Short-Term Bond Index Fund (Short-Term Fixed-Income); and Inflation-Linked Bond Fund (Inflation-Protected Assets).


Additional or replacement Underlying Funds for each market sector, as well as additional or replacement market sectors, may be included when making future allocations if Advisors believes that such Underlying Funds and/or market sectors are appropriate in light of the Fund’s desired levels of risk and potential return at the particular time. The Fund’s portfolio management team may also add a new market sector if it believes that will help to achieve the Fund’s investment objective. The relative allocations among Underlying Funds within a market sector may be changed at any time without notice to shareholders. If 10% or more of the Fund’s assets are expected to be invested in any Underlying Fund or market sector not listed above, shareholders will receive prior notice of such change.


The Fund’s asset class allocations, market sector allocations within each asset class, and Underlying Fund allocations within each market sector, as of June 30, 2019, are listed in the chart below. These allocations will change over time. Underlying Fund allocations in particular may change from year to year.


        

Asset Class

Allocation

  

Market Sector

Allocation

 

Underlying Funds

Allocation

Equity

76.16%

 

U.S. Equity

53.41%

 

Ÿ Equity Index Fund

53.41%

   

International Equity

22.75%

 

Ÿ International Equity Index Fund

16.31%

      

Ÿ Emerging Markets Equity Index Fund

6.44%

Fixed-Income

23.84%

 

Fixed-Income

23.84%

 

Ÿ Bond Index Fund

23.84%


        

Total

100.00%

  

100.00%

  

100.00%


The following chart shows how the investment glidepath for the Fund is expected to gradually move the Fund’s target allocations over time between the different target market sector allocations. The actual market sector allocations of the Fund may differ from this chart. The Fund seeks to achieve its final target market sector allocations approximately 30 years following the target date.


Lifecycle Index Funds Glidepath as of June 30, 2020
Years to Target Retirement Date US Equities International Equities Fixed Income Short Term Fixed Income Inflation Protected Bonds
45 66.50% 28.50% 5.00% 0.00% 0.00%
40 65.62% 28.13% 6.25% 0.00% 0.00%
35 64.75% 27.75% 7.50% 0.00% 0.00%
30 63.87% 27.38% 8.75% 0.00% 0.00%
25 63.00% 27.00% 10.00% 0.00% 0.00%
20 57.40% 24.60% 18.00% 0.00% 0.00%
15 51.80% 22.20% 26.00% 0.00% 0.00%
10 46.20% 19.80% 30.00% 2.00% 2.00%
5 40.60% 17.40% 34.00% 4.00% 4.00%
0 35.00% 15.00% 38.00% 6.00% 6.00%
-5 31.50% 13.50% 39.00% 8.00% 8.00%
-10 28.00% 12.00% 40.00% 10.00% 10.00%
-15 24.50% 10.50% 40.00% 15.00% 10.00%
-20 21.00% 9.00% 40.00% 20.00% 10.00%
-25 17.50% 7.50% 40.00% 25.00% 10.00%
-30 14.00% 6.00% 40.00% 30.00% 10.00%

The Fund is designed to accommodate investors who invest in a fund up to their target retirement date, and plan to make gradual systematic withdrawals in retirement. In addition, investors should note that the Fund will continue to have a significant level of equity exposure up to, through and after its target retirement date, and this exposure could cause significant fluctuations in the value of the Fund depending on the performance of the equity markets generally.


After the Fund reaches its final target allocation, the Board of Trustees may authorize the merger of the Fund into another Lifecycle Index Fund which has also reached its final target allocation or other similar fund designed to maintain a relatively stable asset allocation reflecting the resting point on the glidepath described in the chart above. Fund shareholders will receive prior notice of any such merger.

Principal investment risks

You could lose money over short or long periods by investing in this Fund. An investment in the Fund, due to the nature of the Fund’s portfolio holdings, typically is subject to the following principal investment risks:


· Asset Allocation Risk—The risk that the Fund may not achieve its target allocations. In addition, there is the risk that the asset allocations may not achieve the desired risk-return characteristic or that the selection of Underlying Funds and the allocations among them will result in the Fund underperforming other similar funds or cause an investor to lose money.


· Index Risk—The risk that the Fund’s performance may not correspond to its benchmark index for any period of time and may underperform such index or the overall financial market. Additionally, to the extent that the Fund’s investments vary from the composition of its benchmark index, the Fund’s performance could potentially vary from the index’s performance to a greater extent than if the Fund merely attempted to replicate the index.


· Underlying Funds Risks—The Fund is exposed to the risks of the Underlying Funds in which it invests in direct proportion to the amount of assets the Fund allocates to each Underlying Fund.


· Equity Underlying Funds Risks—The risks of investing in equity Underlying Funds include risks specific to their investment strategies, as well as risks related to the equity markets in general, such as:


· market risk—The risk that the price of equity investments may decline in response to general market and economic conditions or events, including conditions and developments outside of the financial markets;


· issuer risk—The risk that an issuer’s earnings prospects and overall financial position will deteriorate, causing a decline in the value of the issuer’s financial instruments over short or extended periods of time; and


· foreign investment risk—The increased risks of adverse issuer, political, regulatory, currency, market or economic developments compared to investments in U.S. issuers, which can result in greater market and price volatility.


· Fixed-Income Underlying Funds Risks—The risks of investing in fixed-income Underlying Funds include risks specific to their investment strategies, as well as risks related to the fixed-income markets in general, such as:


· interest rate risk—The risk that the value or yield of fixed-income investments may decline if interest rates change, which could adversely affect a Fund’s income or the value of its holdings;


· extension risk—The risk that during periods of rising interest rates, borrowers may pay off their mortgage loans later than expected, preventing a Fund from reinvesting principal proceeds at higher interest rates and resulting in less income than potentially available;


· issuer risk—The risk that an issuer’s earnings prospects and overall financial position will deteriorate, causing a decline in the value of the issuer’s financial instruments over short or extended periods of time;


· credit risk—The risk that a decline in an issuer’s financial position may prevent it from making principal and interest payments on fixed-income investments held by a Fund when due;


· credit spread risk—The risk that credit spreads (i.e., the difference in yield between securities that is due to differences in each security’s respective credit quality) may increase when market participants believe that bonds generally have a greater risk of default, which could result in a decline in the market values of a Fund’s debt securities;


· income volatility risk—The risk that the level of current income from a Fund’s portfolio of fixed-income securities may decline due to rapid and unpredictable changes in prevailing market interest rates; and


· call risk—The risk that, during periods of falling interest rates, an issuer may call (or repay) a fixed-income security prior to maturity, resulting in a decline in a Fund’s income.


· Active Management Risk—The risk that the strategy, investment selection or trading execution of Advisors could cause the Fund or an Underlying Fund to underperform its benchmark index or mutual funds with similar investment objectives.


· Fund of Funds Risk—The ability of the Fund to achieve its investment objective will depend in part upon the ability of the Underlying Funds to achieve their investment objectives. There can be no guarantee that any Underlying Fund will achieve its investment objective.


There can be no assurances that the Fund will achieve its investment objective. You should not consider the Fund to be a complete investment program. Please see the non-summary portion of the Prospectus for more detailed information about the risks described above, including the risks of the Underlying Funds.

Past performance

The following chart and table help illustrate some of the risks of investing in the Fund by showing changes in the Fund’s performance from year to year. The bar chart shows the annual total returns of the Retirement Class of the Fund, before taxes, in each full calendar year since inception of the Retirement Class. Because the expenses vary across share classes, the performance of the Retirement Class may vary from the other share classes. Below the bar chart are the best and worst returns of the Retirement Class for a calendar quarter during the full calendar-year periods covered by the bar chart. The performance table following the bar chart shows the Fund’s average annual total returns for the Retirement, Institutional, Advisor and Premier classes over the applicable one-year, five-year, ten-year and since-inception periods ended December 31, 2018, and how those returns compare to those of a broad-based securities market index and a composite index based on the Fund’s target allocations. After-tax performance is shown only for the Retirement Class shares, and after-tax returns for the other classes of shares will vary from the after-tax returns presented for Retirement Class shares.


The returns shown below reflect previous agreements by Advisors to waive or reimburse the Fund and certain Underlying Funds for certain fees and expenses. Without these waivers and reimbursements, the returns of the Fund would have been lower. Past performance of the Fund (before and after taxes) is not necessarily an indication of how it will perform in the future. The indices listed below are unmanaged, and you cannot invest directly in an index. The returns for the indices reflect no deduction for fees, expenses or taxes.


For current performance information of each share class, including performance to the most recent month-end, please visit www.tiaa.org.

ANNUAL TOTAL RETURNS FOR THE RETIREMENT CLASS SHARES (%)† Lifecycle Index 2035 Fund
Bar Chart

 The year-to-date return as of the most recent calendar quarter, which ended on June 30, 2019, was 14.20%.

Best quarter: 11.89%, for the quarter ended September 30, 2010. Worst quarter: -14.45%, for the quarter ended September 30, 2011.

AVERAGE ANNUAL TOTAL RETURNS For the Periods Ended December 31, 2018
Average Annual Returns - TIAA-CREF Lifecycle Index 2035 Fund
1 Year
5 Years
Since Inception
Inception Date
Retirement Class (5.92%) 4.96% 8.38% Sep. 30, 2009
Institutional Class (5.73%) 5.22% 8.65% Sep. 30, 2009
Advisor Class (5.77%) 5.10% [1] 8.45% [1] Dec. 04, 2015
Premier Class (5.90%) 5.06% 8.48% Sep. 30, 2009
After Taxes on Distributions | Retirement Class (6.54%) 4.33% 7.84%  
After Taxes on Distributions and Sale of Fund Shares | Retirement Class (3.20%) 3.74% 6.71%  
S&P Target Date 2035 Index (6.88%) 4.69% 8.06% [2]  
Lifecycle Index 2035 Fund Composite Index (reflects no deductions for fees, expenses or taxes) [3] (5.83%) 5.28% 8.76% [2]  
[1] The performance shown for the Advisor Class that is prior to its inception date is based on performance of the Fund's Retirement Class. The performance for these periods has not been restated to reflect the lower expenses of the Advisor Class.
[2] Performance is calculated from the inception date of the Retirement Class.
[3] As of the close of business on December 31, 2018, the Lifecycle Index 2035 Fund Composite Index consisted of: 53.5% Russell 3000® Index; 23.6% Bloomberg Barclays U.S. Aggregate Bond Index; and 22.9% MSCI EAFE + Emerging Markets Index. The Fund's composite benchmark, the components that make up a composite benchmark and the method of calculating a composite benchmark's performance may vary over time.

Current performance of the Fund’s shares may be higher or lower than that shown above.


After-tax returns are calculated using the historical highest individual federal marginal income tax rates in effect during the periods shown and do not reflect the impact of state and local taxes. Actual after-tax returns depend on the investor’s tax situation and may differ from those shown. The after-tax returns shown are not relevant to investors who hold their Fund shares through tax-deferred arrangements such as 401(a), 401(k) or 403(b) plans or Individual Retirement Accounts (IRAs). After-tax returns are shown for only one class, and after-tax returns for other classes will vary.

XML 42 R120.htm IDEA: XBRL DOCUMENT v3.19.3
Label Element Value
TIAA-CREF Lifecycle Index 2025 Fund  
Risk/Return: rr_RiskReturnAbstract  
Risk/Return [Heading] rr_RiskReturnHeading TIAA-CREF Lifecycle Index 2025 Fund
Objective [Heading] rr_ObjectiveHeading Investment objective
Objective, Primary [Text Block] rr_ObjectivePrimaryTextBlock

The Lifecycle Index 2025 Fund seeks high total return over time through a combination of capital appreciation and income.

Expense [Heading] rr_ExpenseHeading Fees and expenses
Expense Narrative [Text Block] rr_ExpenseNarrativeTextBlock

This table describes the fees and expenses that you may pay if you buy and hold shares of the Fund. In addition to the fees and expenses described below, investors may be required to pay a commission to a broker-dealer or other financial intermediary on purchases and sales of Institutional Class or Advisor Class shares of the Fund.

Shareholder Fees Caption [Text] rr_ShareholderFeesCaption SHAREHOLDER FEES (fees paid directly from your investment)
Operating Expenses Caption [Text] rr_OperatingExpensesCaption ANNUAL FUND OPERATING EXPENSES (expenses that you pay each year as a percentage of the value of your investment)
Portfolio Turnover [Heading] rr_PortfolioTurnoverHeading Portfolio turnover
Portfolio Turnover [Text Block] rr_PortfolioTurnoverTextBlock

The Fund pays transaction costs, such as commissions, when it buys and sells securities (or “turns over” its portfolio). A higher portfolio turnover rate may indicate higher transaction costs and may result in higher taxes when Fund shares are held in a taxable account. These costs, which are not reflected in annual fund operating expenses or in the example, affect the Fund’s performance. During the fiscal year ended May 31, 2019, the Fund’s portfolio turnover rate was 11% of the average value of its portfolio.

Portfolio Turnover, Rate rr_PortfolioTurnoverRate 11.00%
Expenses Restated to Reflect Current [Text] rr_ExpensesRestatedToReflectCurrent Restated to reflect estimates for the current fiscal year.
Expense Example [Heading] rr_ExpenseExampleHeading Example
Expense Example Narrative [Text Block] rr_ExpenseExampleNarrativeTextBlock

This example is intended to help you compare the cost of investing in shares of the Fund with the cost of investing in other mutual funds. The example assumes that you invest $10,000 in the Fund for the time periods indicated and then redeem all your shares at the end of those periods. The example also assumes that your investment has a 5% return each year and that the Fund’s operating expenses, before fee waivers and/or expense reimbursements, remain the same. The example assumes that the Fund’s fee waiver and/or expense reimbursement arrangements will each remain in place for the durations noted in the table above. Although your actual costs may be higher or lower, based on these assumptions your costs would be:

Strategy [Heading] rr_StrategyHeading Principal investment strategies
Strategy Narrative [Text Block] rr_StrategyNarrativeTextBlock

The Fund is a “fund of funds” that invests in Class W shares of other funds of the Trust and potentially in other investment pools or investment products, including other funds advised by the Fund’s investment adviser, Teachers Advisors, LLC (“Advisors”), or its affiliates (collectively, the “Underlying Funds”). In general, the Fund is designed for investors who have an approximate target retirement year in mind, and the Fund’s investments are adjusted from more aggressive to more conservative over time as the Fund’s target retirement year approaches and for approximately 30 years afterwards. The Fund invests in Underlying Funds according to an asset allocation strategy designed for investors retiring in, or planning to retire within a few years of, 2025 and who may begin taking systematic withdrawals upon retirement. The Fund has a policy of investing at least 80% of its assets (net assets, plus the amount of any borrowings for investment purposes) in Underlying Funds that are managed to seek investment returns that track particular market indices.


Advisors currently expects to allocate approximately 58.00% of the Fund’s assets to equity Underlying Funds and 42.00% of its assets to fixed-income Underlying Funds. These allocations represent targets for equity and fixed-income asset classes. Target allocations will change over time and actual allocations may vary up to ten percentage points from the targets. The target allocations along the investment glidepath, illustrated in the chart below, gradually become more conservative, moving to target allocations of approximately 50.00% equity/50.00% fixed-income in the Fund’s target retirement year of 2025 and reaching the Fund’s final target allocation of approximately 20.00% equity/80.00% fixed-income in 2055. Within the equity and fixed-income asset classes, Advisors allocates the Fund’s investments to particular market sectors (U.S. equity, international equity, fixed-income, short-term fixed-income and inflation-protected assets) represented by various Underlying Funds. These market sector allocations may vary by up to 10% from the Fund’s target market sector allocations. The Fund’s current target market sector allocations for June 30, 2020, which will change over time, are approximately as follows: U.S. Equity: 40.60%; International Equity: 17.40%; Fixed-Income: 34.00%; Short-Term Fixed-Income: 4.00%; and Inflation-Protected Assets: 4.00%. The asset class and market sector names used herein are intended to reflect the primary type of investment of the Underlying Funds within each of these categories.


The Fund’s target market sector allocations to Underlying Funds may include the TIAA-CREF Equity Index Fund (U.S. Equity); Emerging Markets Equity Index Fund and International Equity Index Fund (International Equity); Bond Index Fund (Fixed-Income); Short-Term Bond Index Fund (Short-Term Fixed-Income); and Inflation-Linked Bond Fund (Inflation-Protected Assets).


Additional or replacement Underlying Funds for each market sector, as well as additional or replacement market sectors, may be included when making future allocations if Advisors believes that such Underlying Funds and/or market sectors are appropriate in light of the Fund’s desired levels of risk and potential return at the particular time. The Fund’s portfolio management team may also add a new market sector if it believes that will help to achieve the Fund’s investment objective. The relative allocations among Underlying Funds within a market sector may be changed at any time without notice to shareholders. If 10% or more of the Fund’s assets are expected to be invested in any Underlying Fund or market sector not listed above, shareholders will receive prior notice of such change.


The Fund’s asset class allocations, market sector allocations within each asset class, and Underlying Fund allocations within each market sector, as of June 30, 2019, are listed in the chart below. These allocations will change over time. Underlying Fund allocations in particular may change from year to year.


        

Asset Class

Allocation

  

Market Sector

Allocation

 

Underlying Funds

Allocation

Equity

60.34%

 

U.S. Equity

42.32%

 

Ÿ Equity Index Fund

42.32%

   

International Equity

18.02%

 

Ÿ International Equity Index Fund

12.92%

      

Ÿ Emerging Markets Equity Index Fund

5.10%

Fixed-Income

39.66%

 

Fixed-Income

32.62%

 

Ÿ Bond Index Fund

32.62%

   

Short-Term
Fixed-Income

3.51%

 

Ÿ Short-Term Bond Index Fund

3.51%

   

Inflation-
Protected Assets

3.53%

 

Ÿ Inflation-Linked Bond Fund

3.53%


        

Total

100.00%

  

100.00%

  

100.00%


The following chart shows how the investment glidepath for the Fund is expected to gradually move the Fund’s target allocations over time between the different target market sector allocations. The actual market sector allocations of the Fund may differ from this chart. The Fund seeks to achieve its final target market sector allocations approximately 30 years following the target date.


Lifecycle Index Funds Glidepath as of June 30, 2020
Years to Target Retirement Date US Equities International Equities Fixed Income Short Term Fixed Income Inflation Protected Bonds
45 66.50% 28.50% 5.00% 0.00% 0.00%
40 65.62% 28.13% 6.25% 0.00% 0.00%
35 64.75% 27.75% 7.50% 0.00% 0.00%
30 63.87% 27.38% 8.75% 0.00% 0.00%
25 63.00% 27.00% 10.00% 0.00% 0.00%
20 57.40% 24.60% 18.00% 0.00% 0.00%
15 51.80% 22.20% 26.00% 0.00% 0.00%
10 46.20% 19.80% 30.00% 2.00% 2.00%
5 40.60% 17.40% 34.00% 4.00% 4.00%
0 35.00% 15.00% 38.00% 6.00% 6.00%
-5 31.50% 13.50% 39.00% 8.00% 8.00%
-10 28.00% 12.00% 40.00% 10.00% 10.00%
-15 24.50% 10.50% 40.00% 15.00% 10.00%
-20 21.00% 9.00% 40.00% 20.00% 10.00%
-25 17.50% 7.50% 40.00% 25.00% 10.00%
-30 14.00% 6.00% 40.00% 30.00% 10.00%

The Fund is designed to accommodate investors who invest in a fund up to their target retirement date, and plan to make gradual systematic withdrawals in retirement. In addition, investors should note that the Fund will continue to have a significant level of equity exposure up to, through and after its target retirement date, and this exposure could cause significant fluctuations in the value of the Fund depending on the performance of the equity markets generally.


After the Fund reaches its final target allocation, the Board of Trustees may authorize the merger of the Fund into another Lifecycle Index Fund which has also reached its final target allocation or other similar fund designed to maintain a relatively stable asset allocation reflecting the resting point on the glidepath described in the chart above. Fund shareholders will receive prior notice of any such merger.

Risk [Heading] rr_RiskHeading Principal investment risks
Risk Narrative [Text Block] rr_RiskNarrativeTextBlock

You could lose money over short or long periods by investing in this Fund. An investment in the Fund, due to the nature of the Fund’s portfolio holdings, typically is subject to the following principal investment risks:


· Asset Allocation Risk—The risk that the Fund may not achieve its target allocations. In addition, there is the risk that the asset allocations may not achieve the desired risk-return characteristic or that the selection of Underlying Funds and the allocations among them will result in the Fund underperforming other similar funds or cause an investor to lose money.


· Index Risk—The risk that the Fund’s performance may not correspond to its benchmark index for any period of time and may underperform such index or the overall financial market. Additionally, to the extent that the Fund’s investments vary from the composition of its benchmark index, the Fund’s performance could potentially vary from the index’s performance to a greater extent than if the Fund merely attempted to replicate the index.


· Underlying Funds Risks—The Fund is exposed to the risks of the Underlying Funds in which it invests in direct proportion to the amount of assets the Fund allocates to each Underlying Fund.


· Equity Underlying Funds Risks—The risks of investing in equity Underlying Funds include risks specific to their investment strategies, as well as risks related to the equity markets in general, such as:


· market risk—The risk that the price of equity investments may decline in response to general market and economic conditions or events, including conditions and developments outside of the financial markets;


· issuer risk—The risk that an issuer’s earnings prospects and overall financial position will deteriorate, causing a decline in the value of the issuer’s financial instruments over short or extended periods of time; and


· foreign investment risk—The increased risks of adverse issuer, political, regulatory, currency, market or economic developments compared to investments in U.S. issuers, which can result in greater market and price volatility.


· Fixed-Income Underlying Funds Risks—The risks of investing in fixed-income Underlying Funds include risks specific to their investment strategies, as well as risks related to the fixed-income markets in general, such as:


· interest rate risk—The risk that the value or yield of fixed-income investments may decline if interest rates change, which could adversely affect a Fund’s income or the value of its holdings;


· extension risk—The risk that during periods of rising interest rates, borrowers may pay off their mortgage loans later than expected, preventing a Fund from reinvesting principal proceeds at higher interest rates and resulting in less income than potentially available;


· issuer risk—The risk that an issuer’s earnings prospects and overall financial position will deteriorate, causing a decline in the value of the issuer’s financial instruments over short or extended periods of time;


· credit risk—The risk that a decline in an issuer’s financial position may prevent it from making principal and interest payments on fixed-income investments held by a Fund when due;


· credit spread risk—The risk that credit spreads (i.e., the difference in yield between securities that is due to differences in each security’s respective credit quality) may increase when market participants believe that bonds generally have a greater risk of default, which could result in a decline in the market values of a Fund’s debt securities;


· income volatility risk—The risk that the level of current income from a Fund’s portfolio of fixed-income securities may decline due to rapid and unpredictable changes in prevailing market interest rates; and


· call risk—The risk that, during periods of falling interest rates, an issuer may call (or repay) a fixed-income security prior to maturity, resulting in a decline in a Fund’s income.


· Active Management Risk—The risk that the strategy, investment selection or trading execution of Advisors could cause the Fund or an Underlying Fund to underperform its benchmark index or mutual funds with similar investment objectives.


· Fund of Funds Risk—The ability of the Fund to achieve its investment objective will depend in part upon the ability of the Underlying Funds to achieve their investment objectives. There can be no guarantee that any Underlying Fund will achieve its investment objective.


There can be no assurances that the Fund will achieve its investment objective. You should not consider the Fund to be a complete investment program. Please see the non-summary portion of the Prospectus for more detailed information about the risks described above, including the risks of the Underlying Funds.

Risk Lose Money [Text] rr_RiskLoseMoney You could lose money over short or long periods by investing in this Fund.
Bar Chart and Performance Table [Heading] rr_BarChartAndPerformanceTableHeading Past performance
Performance Narrative [Text Block] rr_PerformanceNarrativeTextBlock

The following chart and table help illustrate some of the risks of investing in the Fund by showing changes in the Fund’s performance from year to year. The bar chart shows the annual total returns of the Retirement Class of the Fund, before taxes, in each full calendar year since inception of the Retirement Class. Because the expenses vary across share classes, the performance of the Retirement Class may vary from the other share classes. Below the bar chart are the best and worst returns of the Retirement Class for a calendar quarter during the full calendar-year periods covered by the bar chart. The performance table following the bar chart shows the Fund’s average annual total returns for the Retirement, Institutional, Advisor and Premier classes over the applicable one-year, five-year, ten-year and since-inception periods ended December 31, 2018, and how those returns compare to those of a broad-based securities market index and a composite index based on the Fund’s target allocations. After-tax performance is shown only for the Retirement Class shares, and after-tax returns for the other classes of shares will vary from the after-tax returns presented for Retirement Class shares.


The returns shown below reflect previous agreements by Advisors to waive or reimburse the Fund and certain Underlying Funds for certain fees and expenses. Without these waivers and reimbursements, the returns of the Fund would have been lower. Past performance of the Fund (before and after taxes) is not necessarily an indication of how it will perform in the future. The indices listed below are unmanaged, and you cannot invest directly in an index. The returns for the indices reflect no deduction for fees, expenses or taxes.


For current performance information of each share class, including performance to the most recent month-end, please visit www.tiaa.org.

Performance Information Illustrates Variability of Returns [Text] rr_PerformanceInformationIllustratesVariabilityOfReturns The following chart and table help illustrate some of the risks of investing in the Fund by showing changes in the Fund’s performance from year to year.
Performance Additional Market Index [Text] rr_PerformanceAdditionalMarketIndex As of the close of business on December 31, 2018, the Lifecycle Index 2025 Fund Composite Index consisted of: 42.3% Russell 3000® Index; 32.8% Bloomberg Barclays U.S. Aggregate Bond Index; 18.1% MSCI EAFE + Emerging Markets Index; 3.4% Bloomberg Barclays U.S. 1-3 Year Government/Credit Bond Index; and 3.4% Bloomberg Barclays U.S. Treasury Inflation Protected Securities (TIPS) 1-10 Year Index. The Fund’s composite benchmark, the components that make up a composite benchmark and the method of calculating a composite benchmark’s performance may vary over time.
Performance Availability Website Address [Text] rr_PerformanceAvailabilityWebSiteAddress www.tiaa.org
Performance Past Does Not Indicate Future [Text] rr_PerformancePastDoesNotIndicateFuture Past performance of the Fund (before and after taxes) is not necessarily an indication of how it will perform in the future.
Bar Chart [Heading] rr_BarChartHeading ANNUAL TOTAL RETURNS FOR THE RETIREMENT CLASS SHARES (%)† Lifecycle Index 2025 Fund
Bar Chart Footnotes [Text Block] rr_BarChartFootnotesTextBlock

 The year-to-date return as of the most recent calendar quarter, which ended on June 30, 2019, was 12.34%.

Bar Chart Closing [Text Block] rr_BarChartClosingTextBlock

Best quarter: 10.18%, for the quarter ended September 30, 2010. Worst quarter: -11.34%, for the quarter ended September 30, 2011.

Year to Date Return, Label rr_YearToDateReturnLabel The year-to-date return as of the most recent calendar quarter, which ended on June 30, 2019, was
Bar Chart, Year to Date Return, Date rr_BarChartYearToDateReturnDate Jun. 30, 2019
Bar Chart, Year to Date Return rr_BarChartYearToDateReturn 12.34%
Highest Quarterly Return, Label rr_HighestQuarterlyReturnLabel Best quarter:
Highest Quarterly Return, Date rr_BarChartHighestQuarterlyReturnDate Sep. 30, 2010
Highest Quarterly Return rr_BarChartHighestQuarterlyReturn 10.18%
Lowest Quarterly Return, Label rr_LowestQuarterlyReturnLabel Worst quarter:
Lowest Quarterly Return, Date rr_BarChartLowestQuarterlyReturnDate Sep. 30, 2011
Lowest Quarterly Return rr_BarChartLowestQuarterlyReturn (11.34%)
Index No Deduction for Fees, Expenses, Taxes [Text] rr_IndexNoDeductionForFeesExpensesTaxes (reflects no deductions for fees, expenses or taxes)
Performance Table Uses Highest Federal Rate rr_PerformanceTableUsesHighestFederalRate After-tax returns are calculated using the historical highest individual federal marginal income tax rates in effect during the periods shown and do not reflect the impact of state and local taxes.
Performance Table Not Relevant to Tax Deferred rr_PerformanceTableNotRelevantToTaxDeferred The after-tax returns shown are not relevant to investors who hold their Fund shares through tax-deferred arrangements such as 401(a), 401(k) or 403(b) plans or Individual Retirement Accounts (IRAs).
Performance Table One Class of after Tax Shown [Text] rr_PerformanceTableOneClassOfAfterTaxShown After-tax performance is shown only for the Retirement Class shares, and after-tax returns for the other classes of shares will vary from the after-tax returns presented for Retirement Class shares.
Performance Table Closing [Text Block] rr_PerformanceTableClosingTextBlock

Current performance of the Fund’s shares may be higher or lower than that shown above.


After-tax returns are calculated using the historical highest individual federal marginal income tax rates in effect during the periods shown and do not reflect the impact of state and local taxes. Actual after-tax returns depend on the investor’s tax situation and may differ from those shown. The after-tax returns shown are not relevant to investors who hold their Fund shares through tax-deferred arrangements such as 401(a), 401(k) or 403(b) plans or Individual Retirement Accounts (IRAs). After-tax returns are shown for only one class, and after-tax returns for other classes will vary.

Average Annual Return, Caption rr_AverageAnnualReturnCaption AVERAGE ANNUAL TOTAL RETURNS For the Periods Ended December 31, 2018
TIAA-CREF Lifecycle Index 2025 Fund | S&P Target Date 2025 Index  
Risk/Return: rr_RiskReturnAbstract  
1 Year rr_AverageAnnualReturnYear01 (5.02%)
5 Years rr_AverageAnnualReturnYear05 4.31%
Since Inception rr_AverageAnnualReturnSinceInception 7.31% [1]
TIAA-CREF Lifecycle Index 2025 Fund | Lifecycle Index 2025 Fund Composite Index (reflects no deductions for fees, expenses or taxes)  
Risk/Return: rr_RiskReturnAbstract  
1 Year rr_AverageAnnualReturnYear01 (4.49%) [2]
5 Years rr_AverageAnnualReturnYear05 4.77% [2]
Since Inception rr_AverageAnnualReturnSinceInception 7.77% [1],[2]
TIAA-CREF Lifecycle Index 2025 Fund | Institutional Class  
Risk/Return: rr_RiskReturnAbstract  
Maximum sales charge imposed on purchases (percentage of offering price) rr_MaximumSalesChargeImposedOnPurchasesOverOfferingPrice none
Maximum deferred sales charge rr_MaximumDeferredSalesChargeOverOfferingPrice none
Maximum sales charge imposed on reinvested dividends and other distributions rr_MaximumSalesChargeOnReinvestedDividendsAndDistributionsOverOther none
Redemption or exchange fee rr_RedemptionFeeOverRedemption none
Maximum account fee rr_MaximumAccountFeeOverAssets none
Management fees rr_ManagementFeesOverAssets 0.17% [3],[4]
Other expenses rr_OtherExpensesOverAssets 0.04% [3],[4]
Total annual Fund operating expenses rr_ExpensesOverAssets 0.21%
Waivers and expense reimbursements rr_FeeWaiverOrReimbursementOverAssets (0.11%) [5],[6]
Total annual Fund operating expenses after fee waiver and/or expense reimbursement rr_NetExpensesOverAssets 0.10%
Expense Example, with Redemption, 1 Year rr_ExpenseExampleYear01 $ 10
Expense Example, with Redemption, 3 Years rr_ExpenseExampleYear03 56
Expense Example, with Redemption, 5 Years rr_ExpenseExampleYear05 107
Expense Example, with Redemption, 10 Years rr_ExpenseExampleYear10 $ 257
1 Year rr_AverageAnnualReturnYear01 (4.42%)
5 Years rr_AverageAnnualReturnYear05 4.70%
Since Inception rr_AverageAnnualReturnSinceInception 7.65%
Inception Date rr_AverageAnnualReturnInceptionDate Sep. 30, 2009
TIAA-CREF Lifecycle Index 2025 Fund | Advisor Class  
Risk/Return: rr_RiskReturnAbstract  
Maximum sales charge imposed on purchases (percentage of offering price) rr_MaximumSalesChargeImposedOnPurchasesOverOfferingPrice none
Maximum deferred sales charge rr_MaximumDeferredSalesChargeOverOfferingPrice none
Maximum sales charge imposed on reinvested dividends and other distributions rr_MaximumSalesChargeOnReinvestedDividendsAndDistributionsOverOther none
Redemption or exchange fee rr_RedemptionFeeOverRedemption none
Maximum account fee rr_MaximumAccountFeeOverAssets none
Management fees rr_ManagementFeesOverAssets 0.17% [3],[4]
Other expenses rr_OtherExpensesOverAssets 0.14% [3],[4]
Total annual Fund operating expenses rr_ExpensesOverAssets 0.31%
Waivers and expense reimbursements rr_FeeWaiverOrReimbursementOverAssets (0.11%) [5],[6]
Total annual Fund operating expenses after fee waiver and/or expense reimbursement rr_NetExpensesOverAssets 0.20%
Expense Example, with Redemption, 1 Year rr_ExpenseExampleYear01 $ 20
Expense Example, with Redemption, 3 Years rr_ExpenseExampleYear03 89
Expense Example, with Redemption, 5 Years rr_ExpenseExampleYear05 163
Expense Example, with Redemption, 10 Years rr_ExpenseExampleYear10 $ 382
1 Year rr_AverageAnnualReturnYear01 (4.49%)
5 Years rr_AverageAnnualReturnYear05 4.56% [7]
Since Inception rr_AverageAnnualReturnSinceInception 7.45% [7]
Inception Date rr_AverageAnnualReturnInceptionDate Dec. 04, 2015
TIAA-CREF Lifecycle Index 2025 Fund | Premier Class  
Risk/Return: rr_RiskReturnAbstract  
Maximum sales charge imposed on purchases (percentage of offering price) rr_MaximumSalesChargeImposedOnPurchasesOverOfferingPrice none
Maximum deferred sales charge rr_MaximumDeferredSalesChargeOverOfferingPrice none
Maximum sales charge imposed on reinvested dividends and other distributions rr_MaximumSalesChargeOnReinvestedDividendsAndDistributionsOverOther none
Redemption or exchange fee rr_RedemptionFeeOverRedemption none
Maximum account fee rr_MaximumAccountFeeOverAssets none
Management fees rr_ManagementFeesOverAssets 0.17% [3],[4]
Distribution (Rule 12b-1) fees rr_DistributionAndService12b1FeesOverAssets 0.15%
Other expenses rr_OtherExpensesOverAssets 0.04% [3],[4]
Total annual Fund operating expenses rr_ExpensesOverAssets 0.36%
Waivers and expense reimbursements rr_FeeWaiverOrReimbursementOverAssets (0.11%) [5],[6]
Total annual Fund operating expenses after fee waiver and/or expense reimbursement rr_NetExpensesOverAssets 0.25%
Expense Example, with Redemption, 1 Year rr_ExpenseExampleYear01 $ 26
Expense Example, with Redemption, 3 Years rr_ExpenseExampleYear03 105
Expense Example, with Redemption, 5 Years rr_ExpenseExampleYear05 191
Expense Example, with Redemption, 10 Years rr_ExpenseExampleYear10 $ 445
1 Year rr_AverageAnnualReturnYear01 (4.58%)
5 Years rr_AverageAnnualReturnYear05 4.53%
Since Inception rr_AverageAnnualReturnSinceInception 7.49%
Inception Date rr_AverageAnnualReturnInceptionDate Sep. 30, 2009
TIAA-CREF Lifecycle Index 2025 Fund | Retirement Class  
Risk/Return: rr_RiskReturnAbstract  
Maximum sales charge imposed on purchases (percentage of offering price) rr_MaximumSalesChargeImposedOnPurchasesOverOfferingPrice none
Maximum deferred sales charge rr_MaximumDeferredSalesChargeOverOfferingPrice none
Maximum sales charge imposed on reinvested dividends and other distributions rr_MaximumSalesChargeOnReinvestedDividendsAndDistributionsOverOther none
Redemption or exchange fee rr_RedemptionFeeOverRedemption none
Maximum account fee rr_MaximumAccountFeeOverAssets none
Management fees rr_ManagementFeesOverAssets 0.17% [3],[4]
Other expenses rr_OtherExpensesOverAssets 0.29% [3],[4]
Total annual Fund operating expenses rr_ExpensesOverAssets 0.46%
Waivers and expense reimbursements rr_FeeWaiverOrReimbursementOverAssets (0.11%) [5],[6]
Total annual Fund operating expenses after fee waiver and/or expense reimbursement rr_NetExpensesOverAssets 0.35%
Expense Example, with Redemption, 1 Year rr_ExpenseExampleYear01 $ 36
Expense Example, with Redemption, 3 Years rr_ExpenseExampleYear03 137
Expense Example, with Redemption, 5 Years rr_ExpenseExampleYear05 247
Expense Example, with Redemption, 10 Years rr_ExpenseExampleYear10 $ 569
Annual Return 2010 rr_AnnualReturn2010 12.31%
Annual Return 2011 rr_AnnualReturn2011 0.38%
Annual Return 2012 rr_AnnualReturn2012 13.00%
Annual Return 2013 rr_AnnualReturn2013 17.87%
Annual Return 2014 rr_AnnualReturn2014 6.39%
Annual Return 2015 rr_AnnualReturn2015 (0.52%)
Annual Return 2016 rr_AnnualReturn2016 7.00%
Annual Return 2017 rr_AnnualReturn2017 15.09%
Annual Return 2018 rr_AnnualReturn2018 (4.65%)
1 Year rr_AverageAnnualReturnYear01 (4.65%)
5 Years rr_AverageAnnualReturnYear05 4.44%
Since Inception rr_AverageAnnualReturnSinceInception 7.38%
Inception Date rr_AverageAnnualReturnInceptionDate Sep. 30, 2009
TIAA-CREF Lifecycle Index 2025 Fund | Retirement Class | After Taxes on Distributions  
Risk/Return: rr_RiskReturnAbstract  
1 Year rr_AverageAnnualReturnYear01 (5.34%)
5 Years rr_AverageAnnualReturnYear05 3.78%
Since Inception rr_AverageAnnualReturnSinceInception 6.81%
TIAA-CREF Lifecycle Index 2025 Fund | Retirement Class | After Taxes on Distributions and Sale of Fund Shares  
Risk/Return: rr_RiskReturnAbstract  
1 Year rr_AverageAnnualReturnYear01 (2.51%)
5 Years rr_AverageAnnualReturnYear05 3.28%
Since Inception rr_AverageAnnualReturnSinceInception 5.82%
[1] Performance is calculated from the inception date of the Retirement Class.
[2] As of the close of business on December 31, 2018, the Lifecycle Index 2025 Fund Composite Index consisted of: 42.3% Russell 3000® Index; 32.8% Bloomberg Barclays U.S. Aggregate Bond Index; 18.1% MSCI EAFE + Emerging Markets Index; 3.4% Bloomberg Barclays U.S. 1-3 Year Government/Credit Bond Index; and 3.4% Bloomberg Barclays U.S. Treasury Inflation Protected Securities (TIPS) 1-10 Year Index. The Fund's composite benchmark, the components that make up a composite benchmark and the method of calculating a composite benchmark's performance may vary over time.
[3] Portions of the Management fees and Other expenses are based on expenses originally incurred by Class W shares of the Underlying Funds (as defined below) of the Trust, which have been incurred directly by the Fund pursuant to certain contractual arrangements intended to reallocate directly to the Fund certain fees and expenses that had been paid by the Underlying Funds of the Trust. For additional information, please see the "Management of the Funds" section of this Prospectus.
[4] Restated to reflect estimates for the current fiscal year.
[5] Advisors has contractually agreed to waive 0.082% of the Fund's Management fee. This waiver will remain in effect through September 30, 2020, unless changed with the approval of the Board of Trustees.
[6] Under the Fund's expense reimbursement arrangements, the Fund's investment adviser, Teachers Advisors, LLC ("Advisors"), has contractually agreed to reimburse the Fund for any Total annual Fund operating expenses (excluding interest, taxes, brokerage commissions or other transactional expenses, Acquired Fund fees and expenses, extraordinary expenses and any expenses originally attributable to Class W shares of the Underlying Funds of the Trust that were incurred directly by the Fund) that exceed: (i) 0.018% of average daily net assets for Institutional Class shares; (ii) 0.168% of average daily net assets for Advisor Class shares; (iii) 0.168% of average daily net assets for Premier Class shares; and (iv) 0.268% of average daily net assets for Retirement Class shares of the Fund. These expense reimbursement arrangements will continue through at least September 30, 2020, unless changed with approval of the Board of Trustees.
[7] The performance shown for the Advisor Class that is prior to its inception date is based on performance of the Fund's Retirement Class. The performance for these periods has not been restated to reflect the lower expenses of the Advisor Class.
XML 43 R50.htm IDEA: XBRL DOCUMENT v3.19.3
Label Element Value
TIAA-CREF Lifecycle 2035 Fund  
Risk/Return: rr_RiskReturnAbstract  
Risk/Return [Heading] rr_RiskReturnHeading TIAA-CREF Lifecycle 2035 Fund
Objective [Heading] rr_ObjectiveHeading Investment objective
Objective, Primary [Text Block] rr_ObjectivePrimaryTextBlock

The Lifecycle 2035 Fund seeks high total return over time through a combination of capital appreciation and income.

Expense [Heading] rr_ExpenseHeading Fees and expenses
Expense Narrative [Text Block] rr_ExpenseNarrativeTextBlock

This table describes the fees and expenses that you may pay if you buy and hold shares of the Fund. In addition to the fees and expenses described below, investors may be required to pay a commission to a broker-dealer or other financial intermediary on purchases and sales of Institutional Class or Advisor Class shares of the Fund.

Shareholder Fees Caption [Text] rr_ShareholderFeesCaption SHAREHOLDER FEES (fees paid directly from your investment)
Operating Expenses Caption [Text] rr_OperatingExpensesCaption ANNUAL FUND OPERATING EXPENSES (expenses that you pay each year as a percentage of the value of your investment)
Fee Waiver or Reimbursement over Assets, Date of Termination rr_FeeWaiverOrReimbursementOverAssetsDateOfTermination Sep. 30, 2020
Portfolio Turnover [Heading] rr_PortfolioTurnoverHeading Portfolio turnover
Portfolio Turnover [Text Block] rr_PortfolioTurnoverTextBlock

The Fund pays transaction costs, such as commissions, when it buys and sells securities (or “turns over” its portfolio). A higher portfolio turnover rate may indicate higher transaction costs and may result in higher taxes when Fund shares are held in a taxable account. These costs, which are not reflected in annual fund operating expenses or in the example, affect the Fund’s performance. During the fiscal year ended May 31, 2019, the Fund’s portfolio turnover rate was 17% of the average value of its portfolio.

Portfolio Turnover, Rate rr_PortfolioTurnoverRate 17.00%
Expenses Restated to Reflect Current [Text] rr_ExpensesRestatedToReflectCurrent Restated to reflect estimates for the current fiscal year.
Expenses Not Correlated to Ratio Due to Acquired Fund Fees [Text] rr_ExpensesNotCorrelatedToRatioDueToAcquiredFundFees “Acquired Fund fees and expenses” are the Fund’s proportionate amount of the expenses of any investment companies or pools in which it invests (excluding expenses originally incurred by Class W of the Underlying Funds of the Trust that have been incurred directly by the Fund, which are instead reflected in Management fees and Other expenses). These expenses are not paid directly by Fund shareholders. Instead, Fund shareholders bear these expenses indirectly because they reduce Fund performance. Because “Acquired Fund fees and expenses” are included in the chart above, the Fund’s operating expenses here will not correlate with the expenses included in the Financial highlights in this Prospectus and the Fund’s annual report.
Expense Example [Heading] rr_ExpenseExampleHeading Example
Expense Example Narrative [Text Block] rr_ExpenseExampleNarrativeTextBlock

This example is intended to help you compare the cost of investing in shares of the Fund with the cost of investing in other mutual funds. The example assumes that you invest $10,000 in the Fund for the time periods indicated and then redeem all your shares at the end of those periods. The example also assumes that your investment has a 5% return each year and that the Fund’s operating expenses, before fee waivers and/or expense reimbursements, remain the same. The example assumes that the Fund’s fee waiver and/or expense reimbursement arrangements will each remain in place for the durations noted in the table above. Although your actual costs may be higher or lower, based on these assumptions your costs would be:

Strategy [Heading] rr_StrategyHeading Principal investment strategies
Strategy Narrative [Text Block] rr_StrategyNarrativeTextBlock

The Fund is a “fund of funds” that invests in Class W shares of other funds of the Trust and in other investment pools or investment products, potentially including other funds advised by the Fund’s investment adviser, Teachers Advisors, LLC (“Advisors”), or its affiliates (collectively, the “Underlying Funds”). In general, the Fund is designed for investors who have an approximate target retirement year in mind, and the Fund’s investments are adjusted from more aggressive to more conservative over time as the Fund’s target retirement year approaches and for approximately 30 years afterwards. The Fund invests in Underlying Funds according to an asset allocation strategy designed for investors retiring in, or planning to retire within a few years of, 2035 and who may begin taking systematic withdrawals upon retirement.


Advisors currently expects to allocate approximately 72.00% of the Fund’s assets to equity Underlying Funds, 23.00% of its assets to fixed-income Underlying Funds and 5.00% of its assets to direct real estate Underlying Funds. These allocations represent targets for equity, fixed-income and direct real estate asset classes. Target allocations will change over time and actual allocations may vary up to ten percentage points from the targets. The target allocations along the investment glidepath, illustrated in the chart below, gradually become more conservative, moving to target allocations of approximately 45.00% equity/50.00% fixed-income/5.00% direct real estate in the Fund’s target retirement year of 2035 and reaching the Fund’s final target allocation of approximately 20.00% equity/80.00% fixed-income/0.00% direct real estate in 2065. Within the equity, fixed-income and direct real estate asset classes, Advisors allocates the Fund’s investments to particular market sectors (U.S. equity, international equity, fixed-income, short-term fixed-income, inflation-protected assets and direct real estate) represented by various Underlying Funds. These market sector allocations may vary by up to 10% from the Fund’s target market sector allocations. The Fund’s current target market sector allocations for June 30, 2020, which will change over time, are approximately as follows: U.S. Equity: 50.40%; International Equity: 21.60%; Fixed-Income: 23.00%; Short-Term Fixed-Income: 0.00%; Inflation-Protected Assets: 0.00% and Direct Real Estate: 5.00%. The asset class and market sector names used herein are intended to reflect the primary type of investment of the Underlying Funds within each of these categories.


The Fund’s target market sector allocations to Underlying Funds may include the TIAA-CREF Growth & Income Fund, Large-Cap Growth Fund, Large-Cap Value Fund, Quant Large-Cap Growth Fund, Quant Large-Cap Value Fund, Quant Small-Cap Equity Fund and Quant Small/Mid-Cap Equity Fund (U.S. Equity); Emerging Markets Equity Fund, International Equity Fund, International Opportunities Fund, Quant International Equity Fund and Quant International Small-Cap Equity Fund (International Equity); Bond Fund, Bond Plus Fund, Emerging Markets Debt Fund, High-Yield Fund and International Bond Fund (Fixed-Income); Money Market Fund and Short-Term Bond Fund (Short-Term Fixed-Income); Inflation-Linked Bond Fund (Inflation-Protected Assets); and Real Property Fund LP (Direct Real Estate). TIAA-CREF Real Property Fund LP is a private fund, which is not available for investment by the general public; it is currently offered exclusively to investment pools or investment products managed by Advisors or its affiliates.


Additional or replacement Underlying Funds for each market sector, as well as additional or replacement market sectors, may be included when making future allocations if Advisors believes that such Underlying Funds and/or market sectors are appropriate in light of the Fund’s desired levels of risk and potential return at the particular time. The Fund’s portfolio management team may also add a new market sector if it believes that will help to achieve the Fund’s investment objective. The relative allocations among Underlying Funds within a market sector may be changed at any time without notice to shareholders, and the portfolio management team may use tactical allocation to take advantage of short to intermediate term opportunities through a combination of positions in Underlying Funds. If 10% or more of the Fund’s assets are expected to be invested in any Underlying Fund or market sector not listed above, shareholders will receive prior notice of such change.


The Fund’s asset class allocations, market sector allocations within each asset class, and Underlying Fund allocations within each market sector, as of June 30, 2019, are listed in the chart below. These allocations will change over time. Underlying Fund allocations in particular may change from year to year.


        

Asset Class

Allocation

  

Market Sector

Allocation

 

Underlying Funds

Allocation

Equity

74.44%

 

U.S. Equity

52.20%

 

Ÿ Growth & Income Fund

10.93%

      

Ÿ Large-Cap Growth Fund

9.89%

      

Ÿ Large-Cap Value Fund

9.58%

      

Ÿ Quant Large-Cap Growth Fund

8.63%

      

Ÿ Quant Large-Cap Value Fund

8.39%

      

Ÿ Quant Small-Cap Equity Fund

2.68%

      

Ÿ Quant Small/Mid-Cap Equity Fund

2.10%

   

International Equity

22.24%

 

Ÿ Quant International Equity Fund

5.81%

      

Ÿ International Equity Fund

4.84%

      

Ÿ International Opportunities Fund

4.82%

      

Ÿ Emerging Markets Equity Fund

3.81%

      

Ÿ Quant International Small-Cap Equity Fund

2.96%

Fixed-Income

20.93%

 

Fixed-Income

20.93%

 

Ÿ Bond Fund

10.99%

      

Ÿ Bond Plus Fund

6.80%

      

Ÿ Emerging Markets Debt Fund

1.25%

      

Ÿ International Bond Fund

1.09%

      

Ÿ High-Yield Fund

0.80%

Real Estate

4.63%

 

Direct Real Estate

4.63%

 

Ÿ TIAA-CREF Real Property Fund LP

4.63%


        

Total

100.00%

  

100.00%

  

100.00%


The following chart shows how the investment glidepath for the Fund is expected to gradually move the Fund’s target allocations over time between the different target market sector allocations. The actual market sector allocations of the Fund may differ from this chart. The Fund seeks to achieve its final target market sector allocations approximately 30 years following the target date.


Lifecycle Funds Glidepath as of June 30, 2020
Years to Target Retirement Date US Equities International Equities Direct Real Estate Fixed Income Short Term Fixed Income Inflation Protected Bonds
45 66.50% 28.50% 5.00% 0.00% 0.00% 0.00%
40 65.62% 28.13% 5.00% 1.25% 0.00% 0.00%
35 64.75% 27.75% 5.00% 2.50% 0.00% 0.00%
30 63.87% 27.38% 5.00% 3.75% 0.00% 0.00%
25 63.00% 27.00% 5.00% 5.00% 0.00% 0.00%
20 56.70% 24.30% 5.00% 14.00% 0.00% 0.00%
15 50.40% 21.60% 5.00% 23.00% 0.00% 0.00%
10 44.10% 18.90% 5.00% 28.00% 2.00% 2.00%
5 37.80% 16.20% 5.00% 33.00% 4.00% 4.00%
0 31.50% 13.50% 5.00% 38.00% 6.00% 6.00%
-5 28.00% 12.00% 5.00% 39.00% 8.00% 8.00%
-10 24.50% 10.50% 5.00% 40.00% 10.00% 10.00%
-15 22.75% 9.75% 2.50% 40.00% 15.00% 10.00%
-20 21.00% 9.00% 0.00% 40.00% 20.00% 10.00%
-25 17.50% 7.50% 0.00% 40.00% 25.00% 10.00%
-30 14.00% 6.00% 0.00% 40.00% 30.00% 10.00%

The Fund is designed to accommodate investors who invest in a fund up to their target retirement date, and plan to make gradual systematic withdrawals in retirement. In addition, investors should note that the Fund will continue to have a significant level of equity exposure up to, through and after its target retirement date, and this exposure could cause significant fluctuations in the value of the Fund depending on the performance of the equity markets generally.


After the Fund reaches its final target allocation, the Board of Trustees may authorize the merger of the Fund into another Lifecycle Fund which has also reached its final target allocation or other similar fund designed to maintain a relatively stable asset allocation reflecting the resting point on the glidepath described in the chart above. Fund shareholders will receive prior notice of any such merger.

Risk [Heading] rr_RiskHeading Principal investment risks
Risk Narrative [Text Block] rr_RiskNarrativeTextBlock

You could lose money over short or long periods by investing in this Fund. An investment in the Fund, due to the nature of the Fund’s portfolio holdings, typically is subject to the following principal investment risks:


· Asset Allocation Risk—The risk that the Fund may not achieve its target allocations. In addition, there is the risk that the asset allocations may not achieve the desired risk-return characteristic or that the selection of Underlying Funds and the allocations among them will result in the Fund underperforming other similar funds or cause an investor to lose money.


· Underlying Funds Risks—The Fund is exposed to the risks of the Underlying Funds in which it invests in direct proportion to the amount of assets the Fund allocates to each Underlying Fund.


· Equity Underlying Funds Risks—The risks of investing in equity Underlying Funds include risks specific to their investment strategies, as well as risks related to the equity markets in general, such as:


· market risk—The risk that the price of equity investments may decline in response to general market and economic conditions or events, including conditions and developments outside of the financial markets;


· issuer risk—The risk that an issuer’s earnings prospects and overall financial position will deteriorate, causing a decline in the value of the issuer’s financial instruments over short or extended periods of time; and


· foreign investment risk—The increased risks of adverse issuer, political, regulatory, currency, market or economic developments compared to investments in U.S. issuers, which can result in greater market and price volatility.


· Fixed-Income Underlying Funds Risks—The risks of investing in fixed-income Underlying Funds include risks specific to their investment strategies, as well as risks related to the fixed-income markets in general, such as:


· interest rate risk—The risk that the value or yield of fixed-income investments may decline if interest rates change, which could adversely affect a Fund’s income or the value of its holdings;


· extension risk—The risk that during periods of rising interest rates, borrowers may pay off their mortgage loans later than expected, preventing a Fund from reinvesting principal proceeds at higher interest rates and resulting in less income than potentially available;


· issuer risk—The risk that an issuer’s earnings prospects and overall financial position will deteriorate, causing a decline in the value of the issuer’s financial instruments over short or extended periods of time;


· credit risk—The risk that a decline in an issuer’s financial position may prevent it from making principal and interest payments on fixed-income investments held by a Fund when due;


· credit spread risk—The risk that credit spreads (i.e., the difference in yield between securities that is due to differences in each security’s respective credit quality) may increase when market participants believe that bonds generally have a greater risk of default, which could result in a decline in the market values of a Fund’s debt securities;


· income volatility risk—The risk that the level of current income from a Fund’s portfolio of fixed-income securities may decline due to rapid and unpredictable changes in prevailing market interest rates; and


· call risk—The risk that, during periods of falling interest rates, an issuer may call (or repay) a fixed-income security prior to maturity, resulting in a decline in a Fund’s income.


· Direct Real Estate Underlying Funds Risks—The risks of investing in direct real estate Underlying Funds include risks specific to their investment strategies, as well as risks related to investing in real estate in general, such as:


· real estate-related investment risk—The risks associated with exposure to direct real estate through investing in investment vehicles managed by Advisors that will primarily invest directly in real estate, which can include declines in real estate values or revenues, uninsured losses at properties, the absence of regulatory oversight of and a secondary market for interests in direct real estate Underlying Funds, a scarcity of interests issued by direct real estate Underlying Funds, making it difficult for the Fund to achieve its target allocation, and illiquidity of interests in direct real estate Underlying Funds.


· Active Management Risk—The risk that the strategy, investment selection or trading execution of Advisors could cause the Fund or an Underlying Fund to underperform its benchmark index or mutual funds with similar investment objectives.


· Fund of Funds Risk—The ability of the Fund to achieve its investment objective will depend in part upon the ability of the Underlying Funds to achieve their investment objectives. There can be no guarantee that any Underlying Fund will achieve its investment objective.


There can be no assurances that the Fund will achieve its investment objective. You should not consider the Fund to be a complete investment program. Please see the non-summary portion of the Prospectus for more detailed information about the risks described above, including the risks of the Underlying Funds.

Risk Lose Money [Text] rr_RiskLoseMoney You could lose money over short or long periods by investing in this Fund.
Bar Chart and Performance Table [Heading] rr_BarChartAndPerformanceTableHeading Past performance
Performance Narrative [Text Block] rr_PerformanceNarrativeTextBlock

The following chart and table help illustrate some of the risks of investing in the Fund by showing changes in the Fund’s performance from year to year. The bar chart shows the annual total returns of the Retirement Class of the Fund, before taxes, in each full calendar year for the last ten years. Because the expenses vary across share classes, the performance of the Retirement Class may vary from the other share classes. Below the bar chart are the best and worst returns of the Retirement Class for a calendar quarter during the full calendar-year periods covered by the bar chart. The performance table following the bar chart shows the Fund’s average annual total returns for the Retirement, Institutional, Advisor and Premier classes over the applicable one-year, five-year, ten-year and since-inception periods ended December 31, 2018, and how those returns compare to those of a broad-based securities market index and a composite index that represents the market sectors in which the Fund invests across the equity and fixed-income asset classes. After-tax performance is shown only for the Retirement Class shares, and after-tax returns for the other classes of shares will vary from the after-tax returns presented for Retirement Class shares.


The returns shown below reflect previous agreements by Advisors to waive or reimburse the Fund and certain Underlying Funds for certain fees and expenses. Without these waivers and reimbursements, the returns of the Fund would have been lower. Past performance of the Fund (before and after taxes) is not necessarily an indication of how it will perform in the future. The indices listed below are unmanaged, and you cannot invest directly in an index. The returns for the indices reflect no deduction for fees, expenses or taxes.


For current performance information of each share class, including performance to the most recent month-end, please visit www.tiaa.org.

Performance Information Illustrates Variability of Returns [Text] rr_PerformanceInformationIllustratesVariabilityOfReturns The following chart and table help illustrate some of the risks of investing in the Fund by showing changes in the Fund’s performance from year to year.
Performance Additional Market Index [Text] rr_PerformanceAdditionalMarketIndex As of the close of business on December 31, 2018, the Lifecycle 2035 Fund Composite Index consisted of: 53.5% Russell 3000® Index; 23.6% Bloomberg Barclays U.S. Aggregate Bond Index; and 22.9% MSCI All Country World Index ex USA Investable Market Index. The Fund’s composite benchmark, the components that make up a composite benchmark and the method of calculating a composite benchmark’s performance may vary over time.
Performance Availability Website Address [Text] rr_PerformanceAvailabilityWebSiteAddress www.tiaa.org
Performance Past Does Not Indicate Future [Text] rr_PerformancePastDoesNotIndicateFuture Past performance of the Fund (before and after taxes) is not necessarily an indication of how it will perform in the future.
Bar Chart [Heading] rr_BarChartHeading ANNUAL TOTAL RETURNS FOR THE RETIREMENT CLASS SHARES (%)† Lifecycle 2035 Fund
Bar Chart Footnotes [Text Block] rr_BarChartFootnotesTextBlock

 The year-to-date return as of the most recent calendar quarter, which ended on June 30, 2019, was 14.56%.

Bar Chart Closing [Text Block] rr_BarChartClosingTextBlock

Best quarter: 17.55%, for the quarter ended June 30, 2009. Worst quarter: -16.14%, for the quarter ended September 30, 2011.

Year to Date Return, Label rr_YearToDateReturnLabel The year-to-date return as of the most recent calendar quarter, which ended on June 30, 2019, was
Bar Chart, Year to Date Return, Date rr_BarChartYearToDateReturnDate Jun. 30, 2019
Bar Chart, Year to Date Return rr_BarChartYearToDateReturn 14.56%
Highest Quarterly Return, Label rr_HighestQuarterlyReturnLabel Best quarter:
Highest Quarterly Return, Date rr_BarChartHighestQuarterlyReturnDate Jun. 30, 2009
Highest Quarterly Return rr_BarChartHighestQuarterlyReturn 17.55%
Lowest Quarterly Return, Label rr_LowestQuarterlyReturnLabel Worst quarter:
Lowest Quarterly Return, Date rr_BarChartLowestQuarterlyReturnDate Sep. 30, 2011
Lowest Quarterly Return rr_BarChartLowestQuarterlyReturn (16.14%)
Index No Deduction for Fees, Expenses, Taxes [Text] rr_IndexNoDeductionForFeesExpensesTaxes (reflects no deductions for fees, expenses or taxes)
Performance Table Uses Highest Federal Rate rr_PerformanceTableUsesHighestFederalRate After-tax returns are calculated using the historical highest individual federal marginal income tax rates in effect during the periods shown and do not reflect the impact of state and local taxes.
Performance Table Not Relevant to Tax Deferred rr_PerformanceTableNotRelevantToTaxDeferred The after-tax returns shown are not relevant to investors who hold their Fund shares through tax-deferred arrangements such as 401(a), 401(k) or 403(b) plans or Individual Retirement Accounts (IRAs).
Performance Table One Class of after Tax Shown [Text] rr_PerformanceTableOneClassOfAfterTaxShown After-tax performance is shown only for the Retirement Class shares, and after-tax returns for the other classes of shares will vary from the after-tax returns presented for Retirement Class shares.
Performance Table Closing [Text Block] rr_PerformanceTableClosingTextBlock

Current performance of the Fund’s shares may be higher or lower than that shown above.



 
After-tax returns are calculated using the historical highest individual federal marginal income tax rates in effect during the periods shown and do not reflect the impact of state and local taxes. Actual after-tax returns depend on the investor’s tax situation and may differ from those shown. The after-tax returns shown are not relevant to investors who hold their Fund shares through tax-deferred arrangements such as 401(a), 401(k) or 403(b) plans or Individual Retirement Accounts (IRAs). After-tax returns are shown for only one class, and after-tax returns for other classes will vary.

Average Annual Return, Caption rr_AverageAnnualReturnCaption AVERAGE ANNUAL TOTAL RETURNS For the Periods Ended December 31, 2018
TIAA-CREF Lifecycle 2035 Fund | S&P Target Date 2035 Index  
Risk/Return: rr_RiskReturnAbstract  
1 Year rr_AverageAnnualReturnYear01 (6.88%)
5 Years rr_AverageAnnualReturnYear05 4.69%
10 Years rr_AverageAnnualReturnYear10 9.38%
TIAA-CREF Lifecycle 2035 Fund | Lifecycle 2035 Fund Composite Index (reflects no deductions for fees, expenses or taxes)  
Risk/Return: rr_RiskReturnAbstract  
1 Year rr_AverageAnnualReturnYear01 (6.03%) [1]
5 Years rr_AverageAnnualReturnYear05 5.23% [1]
10 Years rr_AverageAnnualReturnYear10 10.17% [1]
TIAA-CREF Lifecycle 2035 Fund | Institutional Class  
Risk/Return: rr_RiskReturnAbstract  
Maximum sales charge imposed on purchases (percentage of offering price) rr_MaximumSalesChargeImposedOnPurchasesOverOfferingPrice none
Maximum deferred sales charge rr_MaximumDeferredSalesChargeOverOfferingPrice none
Maximum sales charge imposed on reinvested dividends and other distributions rr_MaximumSalesChargeOnReinvestedDividendsAndDistributionsOverOther none
Redemption or exchange fee rr_RedemptionFeeOverRedemption none
Maximum account fee rr_MaximumAccountFeeOverAssets none
Management fees rr_ManagementFeesOverAssets 0.48% [2],[3]
Other expenses rr_OtherExpensesOverAssets 0.03% [2],[3]
Acquired Fund fees and expenses rr_AcquiredFundFeesAndExpensesOverAssets 0.03% [4]
Total annual Fund operating expenses rr_ExpensesOverAssets 0.54%
Waivers and expense reimbursements rr_FeeWaiverOrReimbursementOverAssets (0.11%) [5],[6]
Total annual Fund operating expenses after fee waiver and/or expense reimbursement rr_NetExpensesOverAssets 0.43%
Expense Example, with Redemption, 1 Year rr_ExpenseExampleYear01 $ 44
Expense Example, with Redemption, 3 Years rr_ExpenseExampleYear03 140
Expense Example, with Redemption, 5 Years rr_ExpenseExampleYear05 269
Expense Example, with Redemption, 10 Years rr_ExpenseExampleYear10 $ 646
1 Year rr_AverageAnnualReturnYear01 (8.04%)
5 Years rr_AverageAnnualReturnYear05 4.67%
10 Years rr_AverageAnnualReturnYear10 10.17%
Inception Date rr_AverageAnnualReturnInceptionDate Jan. 17, 2007
TIAA-CREF Lifecycle 2035 Fund | Advisor Class  
Risk/Return: rr_RiskReturnAbstract  
Maximum sales charge imposed on purchases (percentage of offering price) rr_MaximumSalesChargeImposedOnPurchasesOverOfferingPrice none
Maximum deferred sales charge rr_MaximumDeferredSalesChargeOverOfferingPrice none
Maximum sales charge imposed on reinvested dividends and other distributions rr_MaximumSalesChargeOnReinvestedDividendsAndDistributionsOverOther none
Redemption or exchange fee rr_RedemptionFeeOverRedemption none
Maximum account fee rr_MaximumAccountFeeOverAssets none
Management fees rr_ManagementFeesOverAssets 0.48% [2],[3]
Other expenses rr_OtherExpensesOverAssets 0.11% [2],[3]
Acquired Fund fees and expenses rr_AcquiredFundFeesAndExpensesOverAssets 0.03% [4]
Total annual Fund operating expenses rr_ExpensesOverAssets 0.62%
Waivers and expense reimbursements rr_FeeWaiverOrReimbursementOverAssets (0.11%) [5],[6]
Total annual Fund operating expenses after fee waiver and/or expense reimbursement rr_NetExpensesOverAssets 0.51%
Expense Example, with Redemption, 1 Year rr_ExpenseExampleYear01 $ 52
Expense Example, with Redemption, 3 Years rr_ExpenseExampleYear03 166
Expense Example, with Redemption, 5 Years rr_ExpenseExampleYear05 313
Expense Example, with Redemption, 10 Years rr_ExpenseExampleYear10 $ 743
1 Year rr_AverageAnnualReturnYear01 (7.98%)
5 Years rr_AverageAnnualReturnYear05 4.56% [7]
10 Years rr_AverageAnnualReturnYear10 9.98% [7]
Inception Date rr_AverageAnnualReturnInceptionDate Dec. 04, 2015
TIAA-CREF Lifecycle 2035 Fund | Premier Class  
Risk/Return: rr_RiskReturnAbstract  
Maximum sales charge imposed on purchases (percentage of offering price) rr_MaximumSalesChargeImposedOnPurchasesOverOfferingPrice none
Maximum deferred sales charge rr_MaximumDeferredSalesChargeOverOfferingPrice none
Maximum sales charge imposed on reinvested dividends and other distributions rr_MaximumSalesChargeOnReinvestedDividendsAndDistributionsOverOther none
Redemption or exchange fee rr_RedemptionFeeOverRedemption none
Maximum account fee rr_MaximumAccountFeeOverAssets none
Management fees rr_ManagementFeesOverAssets 0.48% [2],[3]
Distribution (Rule 12b-1) fees rr_DistributionAndService12b1FeesOverAssets 0.15%
Other expenses rr_OtherExpensesOverAssets 0.03% [2],[3]
Acquired Fund fees and expenses rr_AcquiredFundFeesAndExpensesOverAssets 0.03% [4]
Total annual Fund operating expenses rr_ExpensesOverAssets 0.69%
Waivers and expense reimbursements rr_FeeWaiverOrReimbursementOverAssets (0.11%) [5],[6]
Total annual Fund operating expenses after fee waiver and/or expense reimbursement rr_NetExpensesOverAssets 0.58%
Expense Example, with Redemption, 1 Year rr_ExpenseExampleYear01 $ 59
Expense Example, with Redemption, 3 Years rr_ExpenseExampleYear03 188
Expense Example, with Redemption, 5 Years rr_ExpenseExampleYear05 352
Expense Example, with Redemption, 10 Years rr_ExpenseExampleYear10 $ 828
1 Year rr_AverageAnnualReturnYear01 (8.12%)
5 Years rr_AverageAnnualReturnYear05 4.53%
10 Years rr_AverageAnnualReturnYear10 10.02% [7]
Inception Date rr_AverageAnnualReturnInceptionDate Sep. 30, 2009
TIAA-CREF Lifecycle 2035 Fund | Retirement Class  
Risk/Return: rr_RiskReturnAbstract  
Maximum sales charge imposed on purchases (percentage of offering price) rr_MaximumSalesChargeImposedOnPurchasesOverOfferingPrice none
Maximum deferred sales charge rr_MaximumDeferredSalesChargeOverOfferingPrice none
Maximum sales charge imposed on reinvested dividends and other distributions rr_MaximumSalesChargeOnReinvestedDividendsAndDistributionsOverOther none
Redemption or exchange fee rr_RedemptionFeeOverRedemption none
Maximum account fee rr_MaximumAccountFeeOverAssets none
Management fees rr_ManagementFeesOverAssets 0.48% [2],[3]
Other expenses rr_OtherExpensesOverAssets 0.28% [2],[3]
Acquired Fund fees and expenses rr_AcquiredFundFeesAndExpensesOverAssets 0.03% [4]
Total annual Fund operating expenses rr_ExpensesOverAssets 0.79%
Waivers and expense reimbursements rr_FeeWaiverOrReimbursementOverAssets (0.11%) [5],[6]
Total annual Fund operating expenses after fee waiver and/or expense reimbursement rr_NetExpensesOverAssets 0.68%
Expense Example, with Redemption, 1 Year rr_ExpenseExampleYear01 $ 69
Expense Example, with Redemption, 3 Years rr_ExpenseExampleYear03 220
Expense Example, with Redemption, 5 Years rr_ExpenseExampleYear05 407
Expense Example, with Redemption, 10 Years rr_ExpenseExampleYear10 $ 947
Annual Return 2009 rr_AnnualReturn2009 28.30%
Annual Return 2010 rr_AnnualReturn2010 15.02%
Annual Return 2011 rr_AnnualReturn2011 (3.55%)
Annual Return 2012 rr_AnnualReturn2012 17.01%
Annual Return 2013 rr_AnnualReturn2013 24.40%
Annual Return 2014 rr_AnnualReturn2014 4.42%
Annual Return 2015 rr_AnnualReturn2015 (0.07%)
Annual Return 2016 rr_AnnualReturn2016 7.35%
Annual Return 2017 rr_AnnualReturn2017 20.76%
Annual Return 2018 rr_AnnualReturn2018 (8.22%)
1 Year rr_AverageAnnualReturnYear01 (8.22%)
5 Years rr_AverageAnnualReturnYear05 4.42%
10 Years rr_AverageAnnualReturnYear10 9.91%
Inception Date rr_AverageAnnualReturnInceptionDate Oct. 15, 2004
TIAA-CREF Lifecycle 2035 Fund | Retirement Class | After Taxes on Distributions  
Risk/Return: rr_RiskReturnAbstract  
1 Year rr_AverageAnnualReturnYear01 (9.65%)
5 Years rr_AverageAnnualReturnYear05 2.87%
10 Years rr_AverageAnnualReturnYear10 8.68%
TIAA-CREF Lifecycle 2035 Fund | Retirement Class | After Taxes on Distributions and Sale of Fund Shares  
Risk/Return: rr_RiskReturnAbstract  
1 Year rr_AverageAnnualReturnYear01 (4.01%)
5 Years rr_AverageAnnualReturnYear05 3.19%
10 Years rr_AverageAnnualReturnYear10 7.93%
[1] As of the close of business on December 31, 2018, the Lifecycle 2035 Fund Composite Index consisted of: 53.5% Russell 3000® Index; 23.6% Bloomberg Barclays U.S. Aggregate Bond Index; and 22.9% MSCI All Country World Index ex USA Investable Market Index. The Fund's composite benchmark, the components that make up a composite benchmark and the method of calculating a composite benchmark's performance may vary over time.
[2] Portions of the Management fees and Other expenses are based on expenses originally incurred by Class W shares of the Underlying Funds (as defined below) of the Trust, which have been incurred directly by the Fund pursuant to certain contractual arrangements intended to reallocate directly to the Fund certain fees and expenses that had been paid by the Underlying Funds of the Trust. For additional information, please see the "Management of the Funds" section of this Prospectus.
[3] Restated to reflect estimates for the current fiscal year.
[4] "Acquired Fund fees and expenses" are the Fund's proportionate amount of the expenses of any investment companies or pools in which it invests (excluding expenses originally incurred by Class W of the Underlying Funds of the Trust that have been incurred directly by the Fund, which are instead reflected in Management fees and Other expenses). These expenses are not paid directly by Fund shareholders. Instead, Fund shareholders bear these expenses indirectly because they reduce Fund performance. Because "Acquired Fund fees and expenses" are included in the chart above, the Fund's operating expenses here will not correlate with the expenses included in the Financial highlights in this Prospectus and the Fund's annual report.
[5] Advisors has contractually agreed to waive 0.10% of the Fund's Management fee. This waiver will remain in effect through September 30, 2022, unless changed with the approval of the Board of Trustees.
[6] Under the Fund's expense reimbursement arrangements, the Fund's investment adviser, Teachers Advisors, LLC ("Advisors"), has contractually agreed to reimburse the Fund for any Total annual Fund operating expenses (excluding interest, taxes, brokerage commissions or other transactional expenses, Acquired Fund fees and expenses, extraordinary expenses and any expenses originally attributable to Class W shares of the Underlying Funds of the Trust that were incurred directly by the Fund) that exceed: (i) 0.00% of average daily net assets for Institutional Class shares; (ii) 0.15% of average daily net assets for Advisor Class shares; (iii) 0.15% of average daily net assets for Premier Class shares; and (iv) 0.25% of average daily net assets for Retirement Class shares of the Fund. These expense reimbursement arrangements will continue through at least September 30, 2020, unless changed with approval of the Board of Trustees.
[7] The performance shown for the Advisor and Premier classes that is prior to their inception dates is based on performance of the Fund's Retirement Class. The performance for these periods has not been restated to reflect the lower expenses of the Advisor and Premier classes.
XML 44 R107.htm IDEA: XBRL DOCUMENT v3.19.3
TIAA-CREF Lifecycle Index 2020 Fund
TIAA-CREF Lifecycle Index 2020 Fund
Investment objective

The Lifecycle Index 2020 Fund seeks high total return over time through a combination of capital appreciation and income.

Fees and expenses

This table describes the fees and expenses that you may pay if you buy and hold shares of the Fund. In addition to the fees and expenses described below, investors may be required to pay a commission to a broker-dealer or other financial intermediary on purchases and sales of Institutional Class or Advisor Class shares of the Fund.

SHAREHOLDER FEES (fees paid directly from your investment)
Shareholder Fees - TIAA-CREF Lifecycle Index 2020 Fund
Institutional Class
Advisor Class
Premier Class
Retirement Class
Maximum sales charge imposed on purchases (percentage of offering price) none none none none
Maximum deferred sales charge none none none none
Maximum sales charge imposed on reinvested dividends and other distributions none none none none
Redemption or exchange fee none none none none
Maximum account fee none none none none
ANNUAL FUND OPERATING EXPENSES (expenses that you pay each year as a percentage of the value of your investment)
Annual Fund Operating Expenses - TIAA-CREF Lifecycle Index 2020 Fund
Institutional Class
Advisor Class
Premier Class
Retirement Class
Management fees [1],[2] 0.18% 0.18% 0.18% 0.18%
Distribution (Rule 12b-1) fees     0.15%  
Other expenses [1],[2] 0.03% 0.11% 0.03% 0.28%
Total annual Fund operating expenses 0.21% 0.29% 0.36% 0.46%
Waivers and expense reimbursements [3],[4] (0.11%) (0.11%) (0.11%) (0.11%)
Total annual Fund operating expenses after fee waiver and/or expense reimbursement 0.10% 0.18% 0.25% 0.35%
[1] Portions of the Management fees and Other expenses are based on expenses originally incurred by Class W shares of the Underlying Funds (as defined below) of the Trust, which have been incurred directly by the Fund pursuant to certain contractual arrangements intended to reallocate directly to the Fund certain fees and expenses that had been paid by the Underlying Funds of the Trust. For additional information, please see the "Management of the Funds" section of this Prospectus.
[2] Restated to reflect estimates for the current fiscal year.
[3] Advisors has contractually agreed to waive 0.089% of the Fund's Management fee. This waiver will remain in effect through September 30, 2020, unless changed with the approval of the Board of Trustees.
[4] Under the Fund's expense reimbursement arrangements, the Fund's investment adviser, Teachers Advisors, LLC ("Advisors"), has contractually agreed to reimburse the Fund for any Total annual Fund operating expenses (excluding interest, taxes, brokerage commissions or other transactional expenses, Acquired Fund fees and expenses, extraordinary expenses and any expenses originally attributable to Class W shares of the Underlying Funds of the Trust that were incurred directly by the Fund) that exceed: (i) 0.011% of average daily net assets for Institutional Class shares; (ii) 0.161% of average daily net assets for Advisor Class shares; (iii) 0.161% of average daily net assets for Premier Class shares; and (iv) 0.261% of average daily net assets for Retirement Class shares of the Fund. These expense reimbursement arrangements will continue through at least September 30, 2020, unless changed with approval of the Board of Trustees.
Example

This example is intended to help you compare the cost of investing in shares of the Fund with the cost of investing in other mutual funds. The example assumes that you invest $10,000 in the Fund for the time periods indicated and then redeem all your shares at the end of those periods. The example also assumes that your investment has a 5% return each year and that the Fund’s operating expenses, before fee waivers and/or expense reimbursements, remain the same. The example assumes that the Fund’s fee waiver and/or expense reimbursement arrangements will each remain in place for the durations noted in the table above. Although your actual costs may be higher or lower, based on these assumptions your costs would be:

Expense Example - TIAA-CREF Lifecycle Index 2020 Fund - USD ($)
Institutional Class
Advisor Class
Premier Class
Retirement Class
1 year $ 10 $ 18 $ 26 $ 36
3 years 56 82 105 137
5 years 107 152 191 247
10 years $ 257 $ 357 $ 445 $ 569
Portfolio turnover

The Fund pays transaction costs, such as commissions, when it buys and sells securities (or “turns over” its portfolio). A higher portfolio turnover rate may indicate higher transaction costs and may result in higher taxes when Fund shares are held in a taxable account. These costs, which are not reflected in annual fund operating expenses or in the example, affect the Fund’s performance. During the fiscal year ended May 31, 2019, the Fund’s portfolio turnover rate was 12% of the average value of its portfolio.

Principal investment strategies

The Fund is a “fund of funds” that invests in Class W shares of other funds of the Trust and potentially in other investment pools or investment products, including other funds advised by the Fund’s investment adviser, Teachers Advisors, LLC (“Advisors”), or its affiliates (collectively, the “Underlying Funds”). In general, the Fund is designed for investors who have an approximate target retirement year in mind, and the Fund’s investments are adjusted from more aggressive to more conservative over time as the Fund’s target retirement year approaches and for approximately 30 years afterwards. The Fund invests in Underlying Funds according to an asset allocation strategy designed for investors retiring in, or planning to retire within a few years of, 2020 and who may begin taking systematic withdrawals upon retirement. The Fund has a policy of investing at least 80% of its assets (net assets, plus the amount of any borrowings for investment purposes) in Underlying Funds that are managed to seek investment returns that track particular market indices.


Advisors currently expects to allocate approximately 50.00% of the Fund’s assets to equity Underlying Funds and 50.00% of its assets to fixed-income Underlying Funds. These allocations represent targets for equity and fixed-income asset classes. Target allocations will change over time and actual allocations may vary up to ten percentage points from the targets. The target allocations along the investment glidepath, illustrated in the chart below, gradually become more conservative, moving to target allocations of approximately 50.00% equity/50.00% fixed-income in the Fund’s target retirement year of 2020 and reaching the Fund’s final target allocation of approximately 20.00% equity/80.00% fixed-income in 2050. Within the equity and fixed-income asset classes, Advisors allocates the Fund’s investments to particular market sectors (U.S. equity, international equity, fixed-income, short-term fixed-income and inflation-protected assets) represented by various Underlying Funds. These market sector allocations may vary by up to 10% from the Fund’s target market sector allocations. The Fund’s current target market sector allocations for June 30, 2020, which will change over time, are approximately as follows: U.S. Equity: 35.00%; International Equity: 15.00%; Fixed-Income: 38.00%; Short-Term Fixed-Income: 6.00%; and Inflation-Protected Assets: 6.00%. The asset class and market sector names used herein are intended to reflect the primary type of investment of the Underlying Funds within each of these categories.


The Fund’s target market sector allocations to Underlying Funds may include the TIAA-CREF Equity Index Fund (U.S. Equity); Emerging Markets Equity Index Fund and International Equity Index Fund (International Equity); Bond Index Fund (Fixed-Income); Short-Term Bond Index Fund (Short-Term Fixed-Income); and Inflation-Linked Bond Fund (Inflation-Protected Assets).


Additional or replacement Underlying Funds for each market sector, as well as additional or replacement market sectors, may be included when making future allocations if Advisors believes that such Underlying Funds and/or market sectors are appropriate in light of the Fund’s desired levels of risk and potential return at the particular time. The Fund’s portfolio management team may also add a new market sector if it believes that will help to achieve the Fund’s investment objective. The relative allocations among Underlying Funds within a market sector may be changed at any time without notice to shareholders. If 10% or more of the Fund’s assets are expected to be invested in any Underlying Fund or market sector not listed above, shareholders will receive prior notice of such change.


The Fund’s asset class allocations, market sector allocations within each asset class, and Underlying Fund allocations within each market sector, as of June 30, 2019, are listed in the chart below. These allocations will change over time. Underlying Fund allocations in particular may change from year to year.


        

Asset Class

Allocation

  

Market Sector

Allocation

 

Underlying Funds

Allocation

Equity

52.40%

 

U.S. Equity

36.75%

 

Ÿ Equity Index Fund

36.75%

   

International Equity

15.65%

 

Ÿ International Equity Index Fund

11.22%

      

Ÿ Emerging Markets Equity Index Fund

4.43%

Fixed-Income

47.60%

 

Fixed-Income

36.62%

 

Ÿ Bond Index Fund

36.62%

   

Short-Term
Fixed-Income

5.48%

 

Ÿ Short-Term Bond Index Fund

5.48%

   

Inflation-
Protected Assets

5.50%

 

Ÿ Inflation-Linked Bond Fund

5.50%


        

Total

100.00%

  

100.00%

  

100.00%


The following chart shows how the investment glidepath for the Fund is expected to gradually move the Fund’s target allocations over time between the different target market sector allocations. The actual market sector allocations of the Fund may differ from this chart. The Fund seeks to achieve its final target market sector allocations approximately 30 years following the target date.


Lifecycle Index Funds Glidepath as of June 30, 2020
Years to Target Retirement Date US Equities International Equities Fixed Income Short Term Fixed Income Inflation Protected Bonds
45 66.50% 28.50% 5.00% 0.00% 0.00%
40 65.62% 28.13% 6.25% 0.00% 0.00%
35 64.75% 27.75% 7.50% 0.00% 0.00%
30 63.87% 27.38% 8.75% 0.00% 0.00%
25 63.00% 27.00% 10.00% 0.00% 0.00%
20 57.40% 24.60% 18.00% 0.00% 0.00%
15 51.80% 22.20% 26.00% 0.00% 0.00%
10 46.20% 19.80% 30.00% 2.00% 2.00%
5 40.60% 17.40% 34.00% 4.00% 4.00%
0 35.00% 15.00% 38.00% 6.00% 6.00%
-5 31.50% 13.50% 39.00% 8.00% 8.00%
-10 28.00% 12.00% 40.00% 10.00% 10.00%
-15 24.50% 10.50% 40.00% 15.00% 10.00%
-20 21.00% 9.00% 40.00% 20.00% 10.00%
-25 17.50% 7.50% 40.00% 25.00% 10.00%
-30 14.00% 6.00% 40.00% 30.00% 10.00%

The Fund is designed to accommodate investors who invest in a fund up to their target retirement date, and plan to make gradual systematic withdrawals in retirement. In addition, investors should note that the Fund will continue to have a significant level of equity exposure up to, through and after its target retirement date, and this exposure could cause significant fluctuations in the value of the Fund depending on the performance of the equity markets generally.


After the Fund reaches its final target allocation, the Board of Trustees may authorize the merger of the Fund into another Lifecycle Index Fund which has also reached its final target allocation or other similar fund designed to maintain a relatively stable asset allocation reflecting the resting point on the glidepath described in the chart above. Fund shareholders will receive prior notice of any such merger.

Principal investment risks

You could lose money over short or long periods by investing in this Fund. An investment in the Fund, due to the nature of the Fund’s portfolio holdings, typically is subject to the following principal investment risks:


· Asset Allocation Risk—The risk that the Fund may not achieve its target allocations. In addition, there is the risk that the asset allocations may not achieve the desired risk-return characteristic or that the selection of Underlying Funds and the allocations among them will result in the Fund underperforming other similar funds or cause an investor to lose money.


· Index Risk—The risk that the Fund’s performance may not correspond to its benchmark index for any period of time and may underperform such index or the overall financial market. Additionally, to the extent that the Fund’s investments vary from the composition of its benchmark index, the Fund’s performance could potentially vary from the index’s performance to a greater extent than if the Fund merely attempted to replicate the index.


· Underlying Funds Risks—The Fund is exposed to the risks of the Underlying Funds in which it invests in direct proportion to the amount of assets the Fund allocates to each Underlying Fund.


· Equity Underlying Funds Risks—The risks of investing in equity Underlying Funds include risks specific to their investment strategies, as well as risks related to the equity markets in general, such as:


· market risk—The risk that the price of equity investments may decline in response to general market and economic conditions or events, including conditions and developments outside of the financial markets;


· issuer risk—The risk that an issuer’s earnings prospects and overall financial position will deteriorate, causing a decline in the value of the issuer’s financial instruments over short or extended periods of time; and


· foreign investment risk—The increased risks of adverse issuer, political, regulatory, currency, market or economic developments compared to investments in U.S. issuers, which can result in greater market and price volatility.


· Fixed-Income Underlying Funds Risks—The risks of investing in fixed-income Underlying Funds include risks specific to their investment strategies, as well as risks related to the fixed-income markets in general, such as:


· interest rate risk—The risk that the value or yield of fixed-income investments may decline if interest rates change, which could adversely affect a Fund’s income or the value of its holdings;


· extension risk—The risk that during periods of rising interest rates, borrowers may pay off their mortgage loans later than expected, preventing a Fund from reinvesting principal proceeds at higher interest rates and resulting in less income than potentially available;


· issuer risk—The risk that an issuer’s earnings prospects and overall financial position will deteriorate, causing a decline in the value of the issuer’s financial instruments over short or extended periods of time;


· credit risk—The risk that a decline in an issuer’s financial position may prevent it from making principal and interest payments on fixed-income investments held by a Fund when due;


· credit spread risk—The risk that credit spreads (i.e., the difference in yield between securities that is due to differences in each security’s respective credit quality) may increase when market participants believe that bonds generally have a greater risk of default, which could result in a decline in the market values of a Fund’s debt securities;


· income volatility risk—The risk that the level of current income from a Fund’s portfolio of fixed-income securities may decline due to rapid and unpredictable changes in prevailing market interest rates; and


· call risk—The risk that, during periods of falling interest rates, an issuer may call (or repay) a fixed-income security prior to maturity, resulting in a decline in a Fund’s income.


· Active Management Risk—The risk that the strategy, investment selection or trading execution of Advisors could cause the Fund or an Underlying Fund to underperform its benchmark index or mutual funds with similar investment objectives.


· Fund of Funds Risk—The ability of the Fund to achieve its investment objective will depend in part upon the ability of the Underlying Funds to achieve their investment objectives. There can be no guarantee that any Underlying Fund will achieve its investment objective.


There can be no assurances that the Fund will achieve its investment objective. You should not consider the Fund to be a complete investment program. Please see the non-summary portion of the Prospectus for more detailed information about the risks described above, including the risks of the Underlying Funds.

Past performance

The following chart and table help illustrate some of the risks of investing in the Fund by showing changes in the Fund’s performance from year to year. The bar chart shows the annual total returns of the Retirement Class of the Fund, before taxes, in each full calendar year since inception of the Retirement Class. Because the expenses vary across share classes, the performance of the Retirement Class may vary from the other share classes. Below the bar chart are the best and worst returns of the Retirement Class for a calendar quarter during the full calendar-year periods covered by the bar chart. The performance table following the bar chart shows the Fund’s average annual total returns for the Retirement, Institutional, Advisor and Premier classes over the applicable one-year, five-year, ten-year and since-inception periods ended December 31, 2018, and how those returns compare to those of a broad-based securities market index and a composite index based on the Fund’s target allocations. After-tax performance is shown only for the Retirement Class shares, and after-tax returns for the other classes of shares will vary from the after-tax returns presented for Retirement Class shares.


The returns shown below reflect previous agreements by Advisors to waive or reimburse the Fund and certain Underlying Funds for certain fees and expenses. Without these waivers and reimbursements, the returns of the Fund would have been lower. Past performance of the Fund (before and after taxes) is not necessarily an indication of how it will perform in the future. The indices listed below are unmanaged, and you cannot invest directly in an index. The returns for the indices reflect no deduction for fees, expenses or taxes.


For current performance information of each share class, including performance to the most recent month-end, please visit www.tiaa.org.

ANNUAL TOTAL RETURNS FOR THE RETIREMENT CLASS SHARES (%)† Lifecycle Index 2020 Fund
Bar Chart

 The year-to-date return as of the most recent calendar quarter, which ended on June 30, 2019, was 11.35%.

Best quarter: 9.39%, for the quarter ended September 30, 2010. Worst quarter: -9.69%, for the quarter ended September 30, 2011.

AVERAGE ANNUAL TOTAL RETURNS For the Periods Ended December 31, 2018
Average Annual Returns - TIAA-CREF Lifecycle Index 2020 Fund
1 Year
5 Years
Since Inception
Inception Date
Retirement Class (3.97%) 4.16% 6.86% Sep. 30, 2009
Institutional Class (3.75%) 4.41% 7.12% Sep. 30, 2009
Advisor Class (3.86%) 4.27% [1] 6.92% [1] Dec. 04, 2015
Premier Class (3.92%) 4.25% 6.96% Sep. 30, 2009
After Taxes on Distributions | Retirement Class (4.74%) 3.47% 6.26%  
After Taxes on Distributions and Sale of Fund Shares | Retirement Class (2.11%) 3.03% 5.35%  
S&P Target Date 2020 Index (4.16%) 4.10% 6.82% [2]  
Lifecycle Index 2020 Fund Composite Index (reflects no deductions for fees, expenses or taxes) [3] (3.83%) 4.48% 7.25% [2]  
[1] The performance shown for the Advisor Class that is prior to its inception date is based on performance of the Fund's Retirement Class. The performance for these periods has not been restated to reflect the lower expenses of the Advisor Class.
[2] Performance is calculated from the inception date of the Retirement Class.
[3] As of the close of business on December 31, 2018, the Lifecycle Index 2020 Fund Composite Index consisted of: 36.8% Bloomberg Barclays U.S. Aggregate Bond Index; 36.7% Russell 3000® Index; 15.7% MSCI EAFE + Emerging Markets Index; 5.4% Bloomberg Barclays U.S. 1-3 Year Government/Credit Bond Index; and 5.4% Bloomberg Barclays U.S. Treasury Inflation Protected Securities (TIPS) 1-10 Year Index. The Fund's composite benchmark, the components that make up a composite benchmark and the method of calculating a composite benchmark's performance may vary over time.

Current performance of the Fund’s shares may be higher or lower than that shown above.


After-tax returns are calculated using the historical highest individual federal marginal income tax rates in effect during the periods shown and do not reflect the impact of state and local taxes. Actual after-tax returns depend on the investor’s tax situation and may differ from those shown. The after-tax returns shown are not relevant to investors who hold their Fund shares through tax-deferred arrangements such as 401(a), 401(k) or 403(b) plans or Individual Retirement Accounts (IRAs). After-tax returns are shown for only one class, and after-tax returns for other classes will vary.

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TIAA-CREF Lifecycle 2045 Fund
TIAA-CREF Lifecycle 2045 Fund
Investment objective

The Lifecycle 2045 Fund seeks high total return over time through a combination of capital appreciation and income.

Fees and expenses

This table describes the fees and expenses that you may pay if you buy and hold shares of the Fund. In addition to the fees and expenses described below, investors may be required to pay a commission to a broker-dealer or other financial intermediary on purchases and sales of Institutional Class or Advisor Class shares of the Fund.

SHAREHOLDER FEES (fees paid directly from your investment)
Shareholder Fees - TIAA-CREF Lifecycle 2045 Fund
Institutional Class
Advisor Class
Premier Class
Retirement Class
Maximum sales charge imposed on purchases (percentage of offering price) none none none none
Maximum deferred sales charge none none none none
Maximum sales charge imposed on reinvested dividends and other distributions none none none none
Redemption or exchange fee none none none none
Maximum account fee none none none none
ANNUAL FUND OPERATING EXPENSES (expenses that you pay each year as a percentage of the value of your investment)
Annual Fund Operating Expenses - TIAA-CREF Lifecycle 2045 Fund
Institutional Class
Advisor Class
Premier Class
Retirement Class
Management fees [1],[2] 0.50% 0.50% 0.50% 0.50%
Distribution (Rule 12b-1) fees     0.15%  
Other expenses [1],[2] 0.03% 0.11% 0.03% 0.28%
Acquired Fund fees and expenses [3] 0.03% 0.03% 0.03% 0.03%
Total annual Fund operating expenses 0.56% 0.64% 0.71% 0.81%
Waivers and expense reimbursements [4],[5] (0.11%) (0.11%) (0.11%) (0.11%)
Total annual Fund operating expenses after fee waiver and/or expense reimbursement 0.45% 0.53% 0.60% 0.70%
[1] Portions of the Management fees and Other expenses are based on expenses originally incurred by Class W shares of the Underlying Funds (as defined below) of the Trust, which have been incurred directly by the Fund pursuant to certain contractual arrangements intended to reallocate directly to the Fund certain fees and expenses that had been paid by the Underlying Funds of the Trust. For additional information, please see the "Management of the Funds" section of this Prospectus.
[2] Restated to reflect estimates for the current fiscal year.
[3] "Acquired Fund fees and expenses" are the Fund's proportionate amount of the expenses of any investment companies or pools in which it invests (excluding expenses originally incurred by Class W of the Underlying Funds of the Trust that have been incurred directly by the Fund, which are instead reflected in Management fees and Other expenses). These expenses are not paid directly by Fund shareholders. Instead, Fund shareholders bear these expenses indirectly because they reduce Fund performance. Because "Acquired Fund fees and expenses" are included in the chart above, the Fund's operating expenses here will not correlate with the expenses included in the Financial highlights in this Prospectus and the Fund's annual report.
[4] Advisors has contractually agreed to waive 0.10% of the Fund's Management fee. This waiver will remain in effect through September 30, 2022, unless changed with the approval of the Board of Trustees.
[5] Under the Fund's expense reimbursement arrangements, the Fund's investment adviser, Teachers Advisors, LLC ("Advisors"), has contractually agreed to reimburse the Fund for any Total annual Fund operating expenses (excluding interest, taxes, brokerage commissions or other transactional expenses, Acquired Fund fees and expenses, extraordinary expenses and any expenses originally attributable to Class W shares of the Underlying Funds of the Trust that were incurred directly by the Fund) that exceed: (i) 0.00% of average daily net assets for Institutional Class shares; (ii) 0.15% of average daily net assets for Advisor Class shares; (iii) 0.15% of average daily net assets for Premier Class shares; and (iv) 0.25% of average daily net assets for Retirement Class shares of the Fund. These expense reimbursement arrangements will continue through at least September 30, 2020, unless changed with approval of the Board of Trustees.
Example

This example is intended to help you compare the cost of investing in shares of the Fund with the cost of investing in other mutual funds. The example assumes that you invest $10,000 in the Fund for the time periods indicated and then redeem all your shares at the end of those periods. The example also assumes that your investment has a 5% return each year and that the Fund’s operating expenses, before fee waivers and/or expense reimbursements, remain the same. The example assumes that the Fund’s fee waiver and/or expense reimbursement arrangements will each remain in place for the durations noted in the table above. Although your actual costs may be higher or lower, based on these assumptions your costs would be:

Expense Example - TIAA-CREF Lifecycle 2045 Fund - USD ($)
Institutional Class
Advisor Class
Premier Class
Retirement Class
1 year $ 46 $ 54 $ 61 $ 72
3 years 147 172 194 226
5 years 280 324 363 418
10 years $ 670 $ 767 $ 852 $ 971
Portfolio turnover

The Fund pays transaction costs, such as commissions, when it buys and sells securities (or “turns over” its portfolio). A higher portfolio turnover rate may indicate higher transaction costs and may result in higher taxes when Fund shares are held in a taxable account. These costs, which are not reflected in annual fund operating expenses or in the example, affect the Fund’s performance. During the fiscal year ended May 31, 2019, the Fund’s portfolio turnover rate was 13% of the average value of its portfolio.

Principal investment strategies

The Fund is a “fund of funds” that invests in Class W shares of other funds of the Trust and in other investment pools or investment products, potentially including other funds advised by the Fund’s investment adviser, Teachers Advisors, LLC (“Advisors”), or its affiliates (collectively, the “Underlying Funds”). In general, the Fund is designed for investors who have an approximate target retirement year in mind, and the Fund’s investments are adjusted from more aggressive to more conservative over time as the Fund’s target retirement year approaches and for approximately 30 years afterwards. The Fund invests in Underlying Funds according to an asset allocation strategy designed for investors retiring in, or planning to retire within a few years of, 2045 and who may begin taking systematic withdrawals upon retirement.


Advisors currently expects to allocate approximately 90.00% of the Fund’s assets to equity Underlying Funds, 5.00% of its assets to fixed-income Underlying Funds and 5.00% of its assets to direct real estate Underlying Funds. These allocations represent targets for equity, fixed-income and direct real estate asset classes. Target allocations will change over time and actual allocations may vary up to ten percentage points from the targets. The target allocations along the investment glidepath, illustrated in the chart below, gradually become more conservative, moving to target allocations of approximately 45.00% equity/50.00% fixed-income/5.00% direct real estate in the Fund’s target retirement year of 2045 and reaching the Fund’s final target allocation of approximately 20.00% equity/80.00% fixed-income/0.00% direct real estate in 2075. Within the equity, fixed-income and direct real estate asset classes, Advisors allocates the Fund’s investments to particular market sectors (U.S. equity, international equity, fixed-income, short-term fixed-income, inflation-protected assets and direct real estate) represented by various Underlying Funds. These market sector allocations may vary by up to 10% from the Fund’s target market sector allocations. The Fund’s current target market sector allocations for June 30, 2020, which will change over time, are approximately as follows: U.S. Equity: 63.00%; International Equity: 27.00%; Fixed-Income: 5.00%; Short-Term Fixed-Income: 0.00%; Inflation-Protected Assets: 0.00%; and Direct Real Estate: 5.00%. The asset class and market sector names used herein are intended to reflect the primary type of investment of the Underlying Funds within each of these categories.


The Fund’s target market sector allocations to Underlying Funds may include the TIAA-CREF Growth & Income Fund, Large-Cap Growth Fund, Large-Cap Value Fund, Quant Large-Cap Growth Fund, Quant Large-Cap Value Fund, Quant Small-Cap Equity Fund and Quant Small/Mid-Cap Equity Fund (U.S. Equity); Emerging Markets Equity Fund, International Equity Fund, International Opportunities Fund, Quant International Equity Fund and Quant International Small-Cap Equity Fund (International Equity); Bond Fund, Bond Plus Fund, Emerging Markets Debt Fund, High-Yield Fund and International Bond Fund (Fixed-Income); Money Market Fund and Short-Term Bond Fund (Short-Term Fixed-Income); Inflation-Linked Bond Fund (Inflation-Protected Assets); and Real Property Fund LP (Direct Real Estate). TIAA-CREF Real Property Fund LP is a private fund, which is not available for investment by the general public; it is currently offered exclusively to investment pools or investment products managed by Advisors or its affiliates.


Additional or replacement Underlying Funds for each market sector, as well as additional or replacement market sectors, may be included when making future allocations if Advisors believes that such Underlying Funds and/or market sectors are appropriate in light of the Fund’s desired levels of risk and potential return at the particular time. The Fund’s portfolio management team may also add a new market sector if it believes that will help to achieve the Fund’s investment objective. The relative allocations among Underlying Funds within a market sector may be changed at any time without notice to shareholders, and the portfolio management team may use tactical allocation to take advantage of short to intermediate term opportunities through a combination of positions in Underlying Funds. If 10% or more of the Fund’s assets are expected to be invested in any Underlying Fund or market sector not listed above, shareholders will receive prior notice of such change.


The Fund’s asset class allocations, market sector allocations within each asset class, and Underlying Fund allocations within each market sector, as of June 30, 2019, are listed in the chart below. These allocations will change over time. Underlying Fund allocations in particular may change from year to year.


        

Asset Class

Allocation

  

Market Sector

Allocation

 

Underlying Funds

Allocation

Equity

90.42%

 

U.S. Equity

63.40%

 

Ÿ Growth & Income Fund

13.30%

      

Ÿ Large-Cap Growth Fund

12.00%

      

Ÿ Large-Cap Value Fund

11.62%

      

Ÿ Quant Large-Cap Growth Fund

10.48%

      

Ÿ Quant Large-Cap Value Fund

10.19%

      

Ÿ Quant Small-Cap Equity Fund

3.26%

      

Ÿ Quant Small/Mid-Cap Equity Fund

2.55%

   

International Equity

27.02%

 

Ÿ Quant International Equity Fund

7.05%

      

Ÿ International Equity Fund

5.88%

      

Ÿ International Opportunities Fund

5.86%

      

Ÿ Emerging Markets Equity Fund

4.63%

      

Ÿ Quant International Small-Cap Equity Fund

3.60%

Fixed-Income

4.97%

 

Fixed-Income

4.97%

 

Ÿ Bond Fund

2.60%

      

Ÿ Bond Plus Fund

1.61%

      

Ÿ Emerging Markets Debt Fund

0.43%

      

Ÿ International Bond Fund

0.26%

      

Ÿ High-Yield Fund

0.07%

Real Estate

4.61%

 

Direct Real Estate

4.61%

 

Ÿ TIAA-CREF Real Property Fund LP

4.61%


        

Total

100.00%

  

100.00%

  

100.00%


The following chart shows how the investment glidepath for the Fund is expected to gradually move the Fund’s target allocations over time between the different target market sector allocations. The actual market sector allocations of the Fund may differ from this chart. The Fund seeks to achieve its final target market sector allocations approximately 30 years following the target date.


Lifecycle Funds Glidepath as of June 30, 2020
Years to Target Retirement Date US Equities International Equities Direct Real Estate Fixed Income Short Term Fixed Income Inflation Protected Bonds
45 66.50% 28.50% 5.00% 0.00% 0.00% 0.00%
40 65.62% 28.13% 5.00% 1.25% 0.00% 0.00%
35 64.75% 27.75% 5.00% 2.50% 0.00% 0.00%
30 63.87% 27.38% 5.00% 3.75% 0.00% 0.00%
25 63.00% 27.00% 5.00% 5.00% 0.00% 0.00%
20 56.70% 24.30% 5.00% 14.00% 0.00% 0.00%
15 50.40% 21.60% 5.00% 23.00% 0.00% 0.00%
10 44.10% 18.90% 5.00% 28.00% 2.00% 2.00%
5 37.80% 16.20% 5.00% 33.00% 4.00% 4.00%
0 31.50% 13.50% 5.00% 38.00% 6.00% 6.00%
-5 28.00% 12.00% 5.00% 39.00% 8.00% 8.00%
-10 24.50% 10.50% 5.00% 40.00% 10.00% 10.00%
-15 22.75% 9.75% 2.50% 40.00% 15.00% 10.00%
-20 21.00% 9.00% 0.00% 40.00% 20.00% 10.00%
-25 17.50% 7.50% 0.00% 40.00% 25.00% 10.00%
-30 14.00% 6.00% 0.00% 40.00% 30.00% 10.00%

The Fund is designed to accommodate investors who invest in a fund up to their target retirement date, and plan to make gradual systematic withdrawals in retirement. In addition, investors should note that the Fund will continue to have a significant level of equity exposure up to, through and after its target retirement date, and this exposure could cause significant fluctuations in the value of the Fund depending on the performance of the equity markets generally.


After the Fund reaches its final target allocation, the Board of Trustees may authorize the merger of the Fund into another Lifecycle Fund which has also reached its final target allocation or other similar fund designed to maintain a relatively stable asset allocation reflecting the resting point on the glidepath described in the chart above. Fund shareholders will receive prior notice of any such merger.

Principal investment risks

You could lose money over short or long periods by investing in this Fund. An investment in the Fund, due to the nature of the Fund’s portfolio holdings, typically is subject to the following principal investment risks:


· Asset Allocation Risk—The risk that the Fund may not achieve its target allocations. In addition, there is the risk that the asset allocations may not achieve the desired risk-return characteristic or that the selection of Underlying Funds and the allocations among them will result in the Fund underperforming other similar funds or cause an investor to lose money.


· Underlying Funds Risks—The Fund is exposed to the risks of the Underlying Funds in which it invests in direct proportion to the amount of assets the Fund allocates to each Underlying Fund.


· Equity Underlying Funds Risks—The risks of investing in equity Underlying Funds include risks specific to their investment strategies, as well as risks related to the equity markets in general, such as:


· market risk—The risk that the price of equity investments may decline in response to general market and economic conditions or events, including conditions and developments outside of the financial markets;


· issuer risk—The risk that an issuer’s earnings prospects and overall financial position will deteriorate, causing a decline in the value of the issuer’s financial instruments over short or extended periods of time; and


· foreign investment risk—The increased risks of adverse issuer, political, regulatory, currency, market or economic developments compared to investments in U.S. issuers, which can result in greater market and price volatility.


· Fixed-Income Underlying Funds Risks—The risks of investing in fixed-income Underlying Funds include risks specific to their investment strategies, as well as risks related to the fixed-income markets in general, such as:


· interest rate risk—The risk that the value or yield of fixed-income investments may decline if interest rates change, which could adversely affect a Fund’s income or the value of its holdings;


· extension risk—The risk that during periods of rising interest rates, borrowers may pay off their mortgage loans later than expected, preventing a Fund from reinvesting principal proceeds at higher interest rates and resulting in less income than potentially available;


· issuer risk—The risk that an issuer’s earnings prospects and overall financial position will deteriorate, causing a decline in the value of the issuer’s financial instruments over short or extended periods of time;


· credit risk—The risk that a decline in an issuer’s financial position may prevent it from making principal and interest payments on fixed-income investments held by a Fund when due;


· credit spread risk—The risk that credit spreads (i.e., the difference in yield between securities that is due to differences in each security’s respective credit quality) may increase when market participants believe that bonds generally have a greater risk of default, which could result in a decline in the market values of a Fund’s debt securities;


· income volatility risk—The risk that the level of current income from a Fund’s portfolio of fixed-income securities may decline due to rapid and unpredictable changes in prevailing market interest rates; and


· call risk—The risk that, during periods of falling interest rates, an issuer may call (or repay) a fixed-income security prior to maturity, resulting in a decline in a Fund’s income.


· Direct Real Estate Underlying Funds Risks—The risks of investing in direct real estate Underlying Funds include risks specific to their investment strategies, as well as risks related to investing in real estate in general, such as:


· real estate-related investment risk—The risks associated with exposure to direct real estate through investing in investment vehicles managed by Advisors that will primarily invest directly in real estate, which can include declines in real estate values or revenues, uninsured losses at properties, the absence of regulatory oversight of and a secondary market for interests in direct real estate Underlying Funds, a scarcity of interests issued by direct real estate Underlying Funds, making it difficult for the Fund to achieve its target allocation, and illiquidity of interests in direct real estate Underlying Funds.


· Active Management Risk—The risk that the strategy, investment selection or trading execution of Advisors could cause the Fund or an Underlying Fund to underperform its benchmark index or mutual funds with similar investment objectives.


· Fund of Funds Risk—The ability of the Fund to achieve its investment objective will depend in part upon the ability of the Underlying Funds to achieve their investment objectives. There can be no guarantee that any Underlying Fund will achieve its investment objective.


There can be no assurances that the Fund will achieve its investment objective. You should not consider the Fund to be a complete investment program. Please see the non-summary portion of the Prospectus for more detailed information about the risks described above, including the risks of the Underlying Funds.

Past performance

The following chart and table help illustrate some of the risks of investing in the Fund by showing changes in the Fund’s performance from year to year. The bar chart shows the annual total returns of the Retirement Class of the Fund, before taxes, in each full calendar year for the last ten years. Because the expenses vary across share classes, the performance of the Retirement Class may vary from the other share classes. Below the bar chart are the best and worst returns of the Retirement Class for a calendar quarter during the full calendar-year periods covered by the bar chart. The performance table following the bar chart shows the Fund’s average annual total returns for the Retirement, Institutional, Advisor and Premier classes over the applicable one-year, five-year, ten-year and since-inception periods ended December 31, 2018, and how those returns compare to those of a broad-based securities market index and a composite index that represents the market sectors in which the Fund invests across the equity and fixed-income asset classes. After-tax performance is shown only for the Retirement Class shares, and after-tax returns for the other classes of shares will vary from the after-tax returns presented for Retirement Class shares.


The returns shown below reflect previous agreements by Advisors to waive or reimburse the Fund and certain Underlying Funds for certain fees and expenses. Without these waivers and reimbursements, the returns of the Fund would have been lower. Past performance of the Fund (before and after taxes) is not necessarily an indication of how it will perform in the future. The indices listed below are unmanaged, and you cannot invest directly in an index. The returns for the indices reflect no deduction for fees, expenses or taxes.


For current performance information of each share class, including performance to the most recent month-end, please visit www.tiaa.org.

ANNUAL TOTAL RETURNS FOR THE RETIREMENT CLASS SHARES (%)† Lifecycle 2045 Fund
Bar Chart

 The year-to-date return as of the most recent calendar quarter, which ended on June 30, 2019, was 16.14%.

Best quarter: 17.33%, for the quarter ended June 30, 2009. Worst quarter: -16.44%, for the quarter ended September 30, 2011.

AVERAGE ANNUAL TOTAL RETURNS For the Periods Ended December 31, 2018
Average Annual Returns - TIAA-CREF Lifecycle 2045 Fund
1 Year
5 Years
10 Years
Inception Date
Retirement Class (9.90%) 4.53% 10.10% Nov. 30, 2007
Institutional Class (9.59%) 4.81% 10.38% Nov. 30, 2007
Advisor Class (9.67%) 4.68% [1] 10.18% [1] Dec. 04, 2015
Premier Class (9.78%) 4.65% 10.21% [1] Sep. 30, 2009
After Taxes on Distributions | Retirement Class (11.05%) 3.29% 9.12%  
After Taxes on Distributions and Sale of Fund Shares | Retirement Class (5.20%) 3.30% 8.11%  
S&P Target Date 2045 Index (7.74%) 4.91% 9.88%  
Lifecycle 2045 Fund Composite Index (reflects no deductions for fees, expenses or taxes) [2] (7.27%) 5.53% 10.49%  
[1] The performance shown for the Advisor and Premier classes that is prior to their inception dates is based on performance of the Fund's Retirement Class. The performance for these periods has not been restated to reflect the lower expenses of the Advisor and Premier classes.
[2] As of the close of business on December 31, 2018, the Lifecycle 2045 Fund Composite Index consisted of: 63.3% Russell 3000® Index; 27.1% MSCI All Country World Index ex USA Investable Market Index; and 9.6% Bloomberg Barclays U.S. Aggregate Bond Index. The Fund's composite benchmark, the components that make up a composite benchmark and the method of calculating a composite benchmark's performance may vary over time.

Current performance of the Fund’s shares may be higher or lower than that shown above.


After-tax returns are calculated using the historical highest individual federal marginal income tax rates in effect during the periods shown and do not reflect the impact of state and local taxes. Actual after-tax returns depend on the investor’s tax situation and may differ from those shown. The after-tax returns shown are not relevant to investors who hold their Fund shares through tax-deferred arrangements such as 401(a), 401(k) or 403(b) plans or Individual Retirement Accounts (IRAs). After-tax returns are shown for only one class, and after-tax returns for other classes will vary.

XML 47 R135.htm IDEA: XBRL DOCUMENT v3.19.3
TIAA-CREF Lifecycle Index 2040 Fund
TIAA-CREF Lifecycle Index 2040 Fund
Investment objective

The Lifecycle Index 2040 Fund seeks high total return over time through a combination of capital appreciation and income.

Fees and expenses

This table describes the fees and expenses that you may pay if you buy and hold shares of the Fund. In addition to the fees and expenses described below, investors may be required to pay a commission to a broker-dealer or other financial intermediary on purchases and sales of Institutional Class or Advisor Class shares of the Fund.

SHAREHOLDER FEES (fees paid directly from your investment)
Shareholder Fees - TIAA-CREF Lifecycle Index 2040 Fund
Institutional Class
Advisor Class
Premier Class
Retirement Class
Maximum sales charge imposed on purchases (percentage of offering price) none none none none
Maximum deferred sales charge none none none none
Maximum sales charge imposed on reinvested dividends and other distributions none none none none
Redemption or exchange fee none none none none
Maximum account fee none none none none
ANNUAL FUND OPERATING EXPENSES (expenses that you pay each year as a percentage of the value of your investment)
Annual Fund Operating Expenses - TIAA-CREF Lifecycle Index 2040 Fund
Institutional Class
Advisor Class
Premier Class
Retirement Class
Management fees [1],[2] 0.16% 0.16% 0.16% 0.16%
Distribution (Rule 12b-1) fees     0.15%  
Other expenses [1],[2] 0.03% 0.11% 0.03% 0.28%
Total annual Fund operating expenses 0.19% 0.27% 0.34% 0.44%
Waivers and expense reimbursements [3],[4] (0.09%) (0.09%) (0.09%) (0.09%)
Total annual Fund operating expenses after fee waiver and/or expense reimbursement 0.10% 0.18% 0.25% 0.35%
[1] Portions of the Management fees and Other expenses are based on expenses originally incurred by Class W shares of the Underlying Funds (as defined below) of the Trust, which have been incurred directly by the Fund pursuant to certain contractual arrangements intended to reallocate directly to the Fund certain fees and expenses that had been paid by the Underlying Funds of the Trust. For additional information, please see the "Management of the Funds" section of this Prospectus.
[2] Restated to reflect estimates for the current fiscal year.
[3] Advisors has contractually agreed to waive 0.065% of the Fund's Management fee. This waiver will remain in effect through September 30, 2020, unless changed with the approval of the Board of Trustees.
[4] Under the Fund's expense reimbursement arrangements, the Fund's investment adviser, Teachers Advisors, LLC ("Advisors"), has contractually agreed to reimburse the Fund for any Total annual Fund operating expenses (excluding interest, taxes, brokerage commissions or other transactional expenses, Acquired Fund fees and expenses, extraordinary expenses and any expenses originally attributable to Class W shares of the Underlying Funds of the Trust that were incurred directly by the Fund) that exceed: (i) 0.035% of average daily net assets for Institutional Class shares; (ii) 0.185% of average daily net assets for Advisor Class shares; (iii) 0.185% of average daily net assets for Premier Class shares; and (iv) 0.285% of average daily net assets for Retirement Class shares of the Fund. These expense reimbursement arrangements will continue through at least September 30, 2020, unless changed with approval of the Board of Trustees.
Example

This example is intended to help you compare the cost of investing in shares of the Fund with the cost of investing in other mutual funds. The example assumes that you invest $10,000 in the Fund for the time periods indicated and then redeem all your shares at the end of those periods. The example also assumes that your investment has a 5% return each year and that the Fund’s operating expenses, before fee waivers and/or expense reimbursements, remain the same. The example assumes that the Fund’s fee waiver and/or expense reimbursement arrangements will each remain in place for the durations noted in the table above. Although your actual costs may be higher or lower, based on these assumptions your costs would be:

Expense Example - TIAA-CREF Lifecycle Index 2040 Fund - USD ($)
Institutional Class
Advisor Class
Premier Class
Retirement Class
1 year $ 10 $ 18 $ 26 $ 36
3 years 52 78 100 132
5 years 98 143 182 237
10 years $ 234 $ 334 $ 422 $ 546
Portfolio turnover

The Fund pays transaction costs, such as commissions, when it buys and sells securities (or “turns over” its portfolio). A higher portfolio turnover rate may indicate higher transaction costs and may result in higher taxes when Fund shares are held in a taxable account. These costs, which are not reflected in annual fund operating expenses or in the example, affect the Fund’s performance. During the fiscal year ended May 31, 2019, the Fund’s portfolio turnover rate was 6% of the average value of its portfolio.

Principal investment strategies

The Fund is a “fund of funds” that invests in Class W shares of other funds of the Trust and potentially in other investment pools or investment products, including other funds advised by the Fund’s investment adviser, Teachers Advisors, LLC (“Advisors”), or its affiliates (collectively, the “Underlying Funds”). In general, the Fund is designed for investors who have an approximate target retirement year in mind, and the Fund’s investments are adjusted from more aggressive to more conservative over time as the Fund’s target retirement year approaches and for approximately 30 years afterwards. The Fund invests in Underlying Funds according to an asset allocation strategy designed for investors retiring in, or planning to retire within a few years of, 2040 and who may begin taking systematic withdrawals upon retirement. The Fund has a policy of investing at least 80% of its assets (net assets, plus the amount of any borrowings for investment purposes) in Underlying Funds that are managed to seek investment returns that track particular market indices.


Advisors currently expects to allocate approximately 82.00% of the Fund’s assets to equity Underlying Funds and 18.00% of its assets to fixed-income Underlying Funds. These allocations represent targets for equity and fixed-income asset classes. Target allocations will change over time and actual allocations may vary up to ten percentage points from the targets. The target allocations along the investment glidepath, illustrated in the chart below, gradually become more conservative, moving to target allocations of approximately 50.00% equity/50.00% fixed-income in the Fund’s target retirement year of 2040 and reaching the Fund’s final target allocation of approximately 20.00% equity/80.00% fixed-income in 2070. Within the equity and fixed-income asset classes, Advisors allocates the Fund’s investments to particular market sectors (U.S. equity, international equity, fixed-income, short-term fixed-income and inflation-protected assets) represented by various Underlying Funds. These market sector allocations may vary by up to 10% from the Fund’s target market sector allocations. The Fund’s current target market sector allocations for June 30, 2020, which will change over time, are approximately as follows: U.S. Equity: 57.40%; International Equity: 24.60%; Fixed-Income: 18.00%; Short-Term Fixed-Income: 0.00%; and Inflation-Protected Assets: 0.00%. The asset class and market sector names used herein are intended to reflect the primary type of investment of the Underlying Funds within each of these categories.


The Fund’s target market sector allocations to Underlying Funds may include the TIAA-CREF Equity Index Fund (U.S. Equity); Emerging Markets Equity Index Fund and International Equity Index Fund (International Equity); Bond Index Fund (Fixed-Income); Short-Term Bond Index Fund (Short-Term Fixed-Income); and Inflation-Linked Bond Fund (Inflation-Protected Assets).


Additional or replacement Underlying Funds for each market sector, as well as additional or replacement market sectors, may be included when making future allocations if Advisors believes that such Underlying Funds and/or market sectors are appropriate in light of the Fund’s desired levels of risk and potential return at the particular time. The Fund’s portfolio management team may also add a new market sector if it believes that will help to achieve the Fund’s investment objective. The relative allocations among Underlying Funds within a market sector may be changed at any time without notice to shareholders. If 10% or more of the Fund’s assets are expected to be invested in any Underlying Fund or market sector not listed above, shareholders will receive prior notice of such change.


The Fund’s asset class allocations, market sector allocations within each asset class, and Underlying Fund allocations within each market sector, as of June 30, 2019, are listed in the chart below. These allocations will change over time. Underlying Fund allocations in particular may change from year to year.


        

Asset Class

Allocation

  

Market Sector

Allocation

 

Underlying Funds

Allocation

Equity

84.01%

 

U.S. Equity

58.92%

 

Ÿ Equity Index Fund

58.92%

   

International Equity

25.09%

 

Ÿ International Equity Index Fund

17.99%

      

Ÿ Emerging Markets Equity Index Fund

7.10%

Fixed-Income

15.99%

 

Fixed-Income

15.99%

 

Ÿ Bond Index Fund

15.99%


        

Total

100.00%

  

100.00%

  

100.00%


The following chart shows how the investment glidepath for the Fund is expected to gradually move the Fund’s target allocations over time between the different target market sector allocations. The actual market sector allocations of the Fund may differ from this chart. The Fund seeks to achieve its final target market sector allocations approximately 30 years following the target date.


Lifecycle Index Funds Glidepath as of June 30, 2020
Years to Target Retirement Date US Equities International Equities Fixed Income Short Term Fixed Income Inflation Protected Bonds
45 66.50% 28.50% 5.00% 0.00% 0.00%
40 65.62% 28.13% 6.25% 0.00% 0.00%
35 64.75% 27.75% 7.50% 0.00% 0.00%
30 63.87% 27.38% 8.75% 0.00% 0.00%
25 63.00% 27.00% 10.00% 0.00% 0.00%
20 57.40% 24.60% 18.00% 0.00% 0.00%
15 51.80% 22.20% 26.00% 0.00% 0.00%
10 46.20% 19.80% 30.00% 2.00% 2.00%
5 40.60% 17.40% 34.00% 4.00% 4.00%
0 35.00% 15.00% 38.00% 6.00% 6.00%
-5 31.50% 13.50% 39.00% 8.00% 8.00%
-10 28.00% 12.00% 40.00% 10.00% 10.00%
-15 24.50% 10.50% 40.00% 15.00% 10.00%
-20 21.00% 9.00% 40.00% 20.00% 10.00%
-25 17.50% 7.50% 40.00% 25.00% 10.00%
-30 14.00% 6.00% 40.00% 30.00% 10.00%

The Fund is designed to accommodate investors who invest in a fund up to their target retirement date, and plan to make gradual systematic withdrawals in retirement. In addition, investors should note that the Fund will continue to have a significant level of equity exposure up to, through and after its target retirement date, and this exposure could cause significant fluctuations in the value of the Fund depending on the performance of the equity markets generally.


After the Fund reaches its final target allocation, the Board of Trustees may authorize the merger of the Fund into another Lifecycle Index Fund which has also reached its final target allocation or other similar fund designed to maintain a relatively stable asset allocation reflecting the resting point on the glidepath described in the chart above. Fund shareholders will receive prior notice of any such merger.

Principal investment risks

You could lose money over short or long periods by investing in this Fund. An investment in the Fund, due to the nature of the Fund’s portfolio holdings, typically is subject to the following principal investment risks:


· Asset Allocation Risk—The risk that the Fund may not achieve its target allocations. In addition, there is the risk that the asset allocations may not achieve the desired risk-return characteristic or that the selection of Underlying Funds and the allocations among them will result in the Fund underperforming other similar funds or cause an investor to lose money.


· Index Risk—The risk that the Fund’s performance may not correspond to its benchmark index for any period of time and may underperform such index or the overall financial market. Additionally, to the extent that the Fund’s investments vary from the composition of its benchmark index, the Fund’s performance could potentially vary from the index’s performance to a greater extent than if the Fund merely attempted to replicate the index.


· Underlying Funds Risks—The Fund is exposed to the risks of the Underlying Funds in which it invests in direct proportion to the amount of assets the Fund allocates to each Underlying Fund.


· Equity Underlying Funds Risks—The risks of investing in equity Underlying Funds include risks specific to their investment strategies, as well as risks related to the equity markets in general, such as:


· market risk—The risk that the price of equity investments may decline in response to general market and economic conditions or events, including conditions and developments outside of the financial markets;


· issuer risk—The risk that an issuer’s earnings prospects and overall financial position will deteriorate, causing a decline in the value of the issuer’s financial instruments over short or extended periods of time; and


· foreign investment risk—The increased risks of adverse issuer, political, regulatory, currency, market or economic developments compared to investments in U.S. issuers, which can result in greater market and price volatility.


· Fixed-Income Underlying Funds Risks—The risks of investing in fixed-income Underlying Funds include risks specific to their investment strategies, as well as risks related to the fixed-income markets in general, such as:


· interest rate risk—The risk that the value or yield of fixed-income investments may decline if interest rates change, which could adversely affect a Fund’s income or the value of its holdings;


· extension risk—The risk that during periods of rising interest rates, borrowers may pay off their mortgage loans later than expected, preventing a Fund from reinvesting principal proceeds at higher interest rates and resulting in less income than potentially available;


· issuer risk—The risk that an issuer’s earnings prospects and overall financial position will deteriorate, causing a decline in the value of the issuer’s financial instruments over short or extended periods of time;


· credit risk—The risk that a decline in an issuer’s financial position may prevent it from making principal and interest payments on fixed-income investments held by a Fund when due;


· credit spread risk—The risk that credit spreads (i.e., the difference in yield between securities that is due to differences in each security’s respective credit quality) may increase when market participants believe that bonds generally have a greater risk of default, which could result in a decline in the market values of a Fund’s debt securities;


· income volatility risk—The risk that the level of current income from a Fund’s portfolio of fixed-income securities may decline due to rapid and unpredictable changes in prevailing market interest rates; and


· call risk—The risk that, during periods of falling interest rates, an issuer may call (or repay) a fixed-income security prior to maturity, resulting in a decline in a Fund’s income.


· Active Management Risk—The risk that the strategy, investment selection or trading execution of Advisors could cause the Fund or an Underlying Fund to underperform its benchmark index or mutual funds with similar investment objectives.


· Fund of Funds Risk—The ability of the Fund to achieve its investment objective will depend in part upon the ability of the Underlying Funds to achieve their investment objectives. There can be no guarantee that any Underlying Fund will achieve its investment objective.


There can be no assurances that the Fund will achieve its investment objective. You should not consider the Fund to be a complete investment program. Please see the non-summary portion of the Prospectus for more detailed information about the risks described above, including the risks of the Underlying Funds.

Past performance

The following chart and table help illustrate some of the risks of investing in the Fund by showing changes in the Fund’s performance from year to year. The bar chart shows the annual total returns of the Retirement Class of the Fund, before taxes, in each full calendar year since inception of the Retirement Class. Because the expenses vary across share classes, the performance of the Retirement Class may vary from the other share classes. Below the bar chart are the best and worst returns of the Retirement Class for a calendar quarter during the full calendar-year periods covered by the bar chart. The performance table following the bar chart shows the Fund’s average annual total returns for the Retirement, Institutional, Advisor and Premier classes over the applicable one-year, five-year, ten-year and since-inception periods ended December 31, 2018, and how those returns compare to those of a broad-based securities market index and a composite index based on the Fund’s target allocations. After-tax performance is shown only for the Retirement Class shares, and after-tax returns for the other classes of shares will vary from the after-tax returns presented for Retirement Class shares.


The returns shown below reflect previous agreements by Advisors to waive or reimburse the Fund and certain Underlying Funds for certain fees and expenses. Without these waivers and reimbursements, the returns of the Fund would have been lower. Past performance of the Fund (before and after taxes) is not necessarily an indication of how it will perform in the future. The indices listed below are unmanaged, and you cannot invest directly in an index. The returns for the indices reflect no deduction for fees, expenses or taxes.


For current performance information of each share class, including performance to the most recent month-end, please visit www.tiaa.org.

ANNUAL TOTAL RETURNS FOR THE RETIREMENT CLASS SHARES (%)† Lifecycle Index 2040 Fund
Bar Chart

 The year-to-date return as of the most recent calendar quarter, which ended on June 30, 2019, was 15.08%.

Best quarter: 11.87%, for the quarter ended September 30, 2010. Worst quarter: -14.82%, for the quarter ended September 30, 2011.

AVERAGE ANNUAL TOTAL RETURNS For the Periods Ended December 31, 2018
Average Annual Returns - TIAA-CREF Lifecycle Index 2040 Fund
1 Year
5 Years
Since Inception
Inception Date
Retirement Class (6.60%) 5.18% 8.68% Sep. 30, 2009
Institutional Class (6.36%) 5.45% 8.95% Sep. 30, 2009
Advisor Class (6.42%) 5.31% [1] 8.75% [1] Dec. 04, 2015
Premier Class (6.53%) 5.29% 8.78% Sep. 30, 2009
After Taxes on Distributions | Retirement Class (7.17%) 4.56% 8.15%  
After Taxes on Distributions and Sale of Fund Shares | Retirement Class (3.58%) 3.94% 6.98%  
S&P Target Date 2040 Index (7.41%) 4.82% 8.31% [2]  
Lifecycle Index 2040 Fund Composite Index (reflects no deductions for fees, expenses or taxes) [3] (6.50%) 5.51% 9.06% [2]  
[1] The performance shown for the Advisor Class that is prior to its inception date is based on performance of the Fund's Retirement Class. The performance for these periods has not been restated to reflect the lower expenses of the Advisor Class.
[2] Performance is calculated from the inception date of the Retirement Class.
[3] As of the close of business on December 31, 2018, the Lifecycle Index 2040 Fund Composite Index consisted of: 59.1% Russell 3000® Index; 25.3% MSCI EAFE + Emerging Markets Index; and 15.6% Bloomberg Barclays U.S. Aggregate Bond Index. The Fund's composite benchmark, the components that make up a composite benchmark and the method of calculating a composite benchmark's performance may vary over time.

Current performance of the Fund’s shares may be higher or lower than that shown above.


After-tax returns are calculated using the historical highest individual federal marginal income tax rates in effect during the periods shown and do not reflect the impact of state and local taxes. Actual after-tax returns depend on the investor’s tax situation and may differ from those shown. The after-tax returns shown are not relevant to investors who hold their Fund shares through tax-deferred arrangements such as 401(a), 401(k) or 403(b) plans or Individual Retirement Accounts (IRAs). After-tax returns are shown for only one class, and after-tax returns for other classes will vary.

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Label Element Value
TIAA-CREF Lifecycle Index Retirement Income Fund  
Risk/Return: rr_RiskReturnAbstract  
Risk/Return [Heading] rr_RiskReturnHeading TIAA-CREF Lifecycle Index Retirement Income Fund
Objective [Heading] rr_ObjectiveHeading Investment objective
Objective, Primary [Text Block] rr_ObjectivePrimaryTextBlock

The Lifecycle Index Retirement Income Fund seeks high total return over time primarily through income,

Objective, Secondary [Text Block] rr_ObjectiveSecondaryTextBlock

with a secondary emphasis on capital appreciation.

Expense [Heading] rr_ExpenseHeading Fees and expenses
Expense Narrative [Text Block] rr_ExpenseNarrativeTextBlock

This table describes the fees and expenses that you may pay if you buy and hold shares of the Fund. In addition to the fees and expenses described below, investors may be required to pay a commission to a broker-dealer or other financial intermediary on purchases and sales of Institutional Class or Advisor Class shares of the Fund.

Shareholder Fees Caption [Text] rr_ShareholderFeesCaption SHAREHOLDER FEES (fees paid directly from your investment)
Operating Expenses Caption [Text] rr_OperatingExpensesCaption ANNUAL FUND OPERATING EXPENSES (expenses that you pay each year as a percentage of the value of your investment)
Portfolio Turnover [Heading] rr_PortfolioTurnoverHeading Portfolio turnover
Portfolio Turnover [Text Block] rr_PortfolioTurnoverTextBlock

The Fund pays transaction costs, such as commissions, when it buys and sells securities (or “turns over” its portfolio). A higher portfolio turnover rate may indicate higher transaction costs and may result in higher taxes when Fund shares are held in a taxable account. These costs, which are not reflected in annual fund operating expenses or in the example, affect the Fund’s performance. During the fiscal year ended May 31, 2019, the Fund’s portfolio turnover rate was 23% of the average value of its portfolio.

Portfolio Turnover, Rate rr_PortfolioTurnoverRate 23.00%
Expenses Restated to Reflect Current [Text] rr_ExpensesRestatedToReflectCurrent Restated to reflect estimates for the current fiscal year.
Expense Example [Heading] rr_ExpenseExampleHeading Example
Expense Example Narrative [Text Block] rr_ExpenseExampleNarrativeTextBlock

This example is intended to help you compare the cost of investing in shares of the Fund with the cost of investing in other mutual funds. The example assumes that you invest $10,000 in the Fund for the time periods indicated and then redeem all your shares at the end of those periods. The example also assumes that your investment has a 5% return each year and that the Fund’s operating expenses, before fee waivers and/or expense reimbursements, remain the same. The example assumes that the Fund’s fee waiver and/or expense reimbursement arrangements will each remain in place for the durations noted in the table above. Although your actual costs may be higher or lower, based on these assumptions your costs would be:

Strategy [Heading] rr_StrategyHeading Principal investment strategies
Strategy Narrative [Text Block] rr_StrategyNarrativeTextBlock

The Fund is a “fund of funds” that invests in Class W shares of other funds of the Trust and potentially in other investment pools or investment products, including other funds advised by the Fund’s investment adviser, Teachers Advisors, LLC (“Advisors”), or its affiliates (collectively, the “Underlying Funds”). The Fund invests in Underlying Funds according to a relatively stable asset allocation strategy that will not gradually adjust over time and is designed for investors who are already in retirement (i.e., have already passed their retirement year) and may have begun taking systematic withdrawals upon retirement. The Fund has a policy of investing at least 80% of its assets in Underlying Funds that are managed to seek investment returns that track particular market indices. For purposes of the 80% investment policy, the term “assets” means net assets, plus the amount of any borrowings for investment purposes.


Advisors currently expects to allocate approximately 40% of the Fund’s assets to equity Underlying Funds and 60% of its assets to fixed-income Underlying Funds. These allocations represent targets for equity and fixed-income asset classes. Target allocations may be changed and actual allocations may vary up to ten percentage points from the targets. Within the equity and fixed-income asset classes, Advisors allocates the Fund’s investments to particular market sectors (U.S. equity, international equity, fixed-income, short-term fixed-income and inflation-protected assets) represented by various Underlying Funds. These market sector allocations may vary by up to 10% from the Fund’s target market sector allocations. The Fund’s current target market sector allocations for June 30, 2020, which may change, are approximately as follows: U.S. Equity: 28.00%; International Equity: 12.00%; Fixed-Income: 40.00%; Short-Term Fixed-Income: 10.00%; and Inflation-Protected Assets: 10.00%. The asset class and market sector names used herein are intended to reflect the primary type of investment of the Underlying Funds within each of these categories.


The Fund’s target market sector allocations to Underlying Funds may include the TIAA-CREF Equity Index Fund (U.S. Equity); Emerging Markets Equity Index Fund and International Equity Index Fund (International Equity); Bond Index Fund (Fixed-Income); Short-Term Bond Index Fund (Short-Term Fixed-Income) and Inflation-Linked Bond Fund (Inflation-Protected Assets).


Additional or replacement Underlying Funds for each market sector, as well as additional or replacement market sectors, may be included when making future allocations if Advisors believes that such Underlying Funds and/or market sectors are appropriate in light of the Fund’s desired levels of risk and potential return at the particular time. The Fund’s portfolio management team may also add a new market sector if it believes that will help to achieve the Fund’s investment objective. The relative allocations among Underlying Funds within a market sector may be changed at any time without notice to shareholders. If 10% or more of the Fund’s assets are expected to be invested in any Underlying Fund or market sector not listed above, shareholders will receive prior notice of such change. Investors should note that the Fund has a significant level of equity exposure and this exposure could cause fluctuation in the value of the Fund depending on the performance of the equity markets generally.


The Fund’s asset class allocations, market sector allocations within each asset class, and Underlying Fund allocations within each market sector, as of June 30, 2019, are listed in the chart below. The Fund has relatively fixed asset allocations that will not gradually adjust over time. Underlying Fund allocations may change from year to year.


        

Asset Class

Allocation

  

Market Sector

Allocation

 

Underlying Funds

Allocation

Equity

40.69%

 

U.S. Equity

28.54%

 

Ÿ Equity Index Fund

28.54%

   

International Equity

12.15%

 

Ÿ International Equity Index Fund

8.71%

      

Ÿ Emerging Markets Equity Index Fund

3.44%

Fixed-Income

59.31%

 

Fixed-Income

39.57%

 

Ÿ Bond Index Fund

39.57%

   

Short-Term
Fixed-Income

9.85%

 

Ÿ Short-Term Bond Index Fund

9.85%

   

Inflation-
Protected Assets

9.89%

 

Ÿ Inflation-Linked Bond Fund

9.89%


        

Total

100.00%

  

100.00%

  

100.00%

Risk [Heading] rr_RiskHeading Principal investment risks
Risk Narrative [Text Block] rr_RiskNarrativeTextBlock

You could lose money over short or long periods by investing in this Fund. An investment in the Fund, due to the nature of the Fund’s portfolio holdings, typically is subject to the following principal investment risks:


· Asset Allocation Risk—The risk that the Fund may not achieve its target allocations. In addition, there is the risk that the asset allocations may not achieve the desired risk-return characteristic or that the selection of Underlying Funds and the allocations among them will result in the Fund underperforming other similar funds or cause an investor to lose money.


· Index Risk—The risk that the Fund’s performance may not correspond to its benchmark index for any period of time and may underperform such index or the overall financial market. Additionally, to the extent that the Fund’s investments vary from the composition of its benchmark index, the Fund’s performance could potentially vary from the index’s performance to a greater extent than if the Fund merely attempted to replicate the index.


· Underlying Funds Risks—The Fund is exposed to the risks of the Underlying Funds in which it invests in direct proportion to the amount of assets the Fund allocates to each Underlying Fund.


· Equity Underlying Funds Risks—The risks of investing in equity Underlying Funds include risks specific to their investment strategies, as well as risks related to the equity markets in general, such as:


· market risk—The risk that the price of equity investments may decline in response to general market and economic conditions or events, including conditions and developments outside of the financial markets;


· issuer risk—The risk that an issuer’s earnings prospects and overall financial position will deteriorate, causing a decline in the value of the issuer’s financial instruments over short or extended periods of time; and


· foreign investment risk—The increased risks of adverse issuer, political, regulatory, currency, market or economic developments compared to investments in U.S. issuers, which can result in greater market and price volatility.


· Fixed-Income Underlying Funds Risks—The risks of investing in fixed-income Underlying Funds include risks specific to their investment strategies, as well as risks related to the fixed-income markets in general, such as:


· interest rate risk—The risk that the value or yield of fixed-income investments may decline if interest rates change, which could adversely affect a Fund’s income or the value of its holdings;


· extension risk—The risk that during periods of rising interest rates, borrowers may pay off their mortgage loans later than expected, preventing a Fund from reinvesting principal proceeds at higher interest rates and resulting in less income than potentially available;


· issuer risk—The risk that an issuer’s earnings prospects and overall financial position will deteriorate, causing a decline in the value of the issuer’s financial instruments over short or extended periods of time;


· credit risk—The risk that a decline in an issuer’s financial position may prevent it from making principal and interest payments on fixed-income investments held by a Fund when due;


· credit spread risk—The risk that credit spreads (i.e., the difference in yield between securities that is due to differences in each security’s respective credit quality) may increase when market participants believe that bonds generally have a greater risk of default, which could result in a decline in the market values of a Fund’s debt securities;


· income volatility risk—The risk that the level of current income from a Fund’s portfolio of fixed-income securities may decline due to rapid and unpredictable changes in prevailing market interest rates; and


· call risk—The risk that, during periods of falling interest rates, an issuer may call (or repay) a fixed-income security prior to maturity, resulting in a decline in a Fund’s income.


· Active Management Risk—The risk that the strategy, investment selection or trading execution of Advisors could cause the Fund or an Underlying Fund to underperform its benchmark index or mutual funds with similar investment objectives.


· Fund of Funds Risk—The ability of the Fund to achieve its investment objective will depend in part upon the ability of the Underlying Funds to achieve their investment objectives. There can be no guarantee that any Underlying Fund will achieve its investment objective.


There can be no assurances that the Fund will achieve its investment objective. You should not consider the Fund to be a complete investment program. Please see the non-summary portion of the Prospectus for more detailed information about the risks described above, including the risks of the Underlying Funds.

Risk Lose Money [Text] rr_RiskLoseMoney You could lose money over short or long periods by investing in this Fund.
Bar Chart and Performance Table [Heading] rr_BarChartAndPerformanceTableHeading Past performance
Performance Narrative [Text Block] rr_PerformanceNarrativeTextBlock

The following chart and table help illustrate some of the risks of investing in the Fund by showing changes in the Fund’s performance from year to year. The bar chart shows the annual total returns of the Retirement Class of the Fund, before taxes, in each full calendar year since inception of the Retirement Class. Because the expenses vary across share classes, the performance of the Retirement Class may vary from the other share classes. Below the bar chart are the best and worst returns of the Retirement Class for a calendar quarter during the full calendar-year periods covered by the bar chart. The performance table following the bar chart shows the Fund’s average annual total returns for the Retirement, Institutional, Advisor and Premier classes over the applicable one-year, five-year, ten-year and since-inception periods ended December 31, 2018, and how those returns compare to those of a broad-based securities market index and a composite index based on the Fund’s target allocations. After-tax performance is shown only for the Retirement Class shares, and after-tax returns for the other classes of shares will vary from the after-tax returns presented for Retirement Class shares.


The returns shown below reflect previous agreements by Advisors to waive or reimburse the Fund and certain Underlying Funds for certain fees and expenses. Without these waivers and reimbursements, the returns of the Fund would have been lower. Past performance of the Fund (before and after taxes) is not necessarily an indication of how it will perform in the future. The indices listed below are unmanaged, and you cannot invest directly in an index. The returns for the indices reflect no deduction for fees, expenses or taxes.


For current performance information of each share class, including performance to the most recent month-end, please visit www.tiaa.org.

Performance Information Illustrates Variability of Returns [Text] rr_PerformanceInformationIllustratesVariabilityOfReturns The following chart and table help illustrate some of the risks of investing in the Fund by showing changes in the Fund’s performance from year to year.
Performance Additional Market Index [Text] rr_PerformanceAdditionalMarketIndex As of the close of business on December 31, 2018, the Lifecycle Index Retirement Income Fund Composite Index consisted of: 40.0% Bloomberg Barclays U.S. Aggregate Bond Index; 28.0% Russell 3000® Index; 12.0% MSCI EAFE + Emerging Markets Index; 10.0% Bloomberg Barclays U.S. 1–3 Year Government/Credit Bond Index; and 10.0% Bloomberg Barclays U.S. Treasury Inflation Protected Securities (TIPS) 1–10 Year Index. The Fund’s composite benchmark, the components that make up a composite benchmark and the method of calculating a composite benchmark’s performance may vary over time.
Performance Availability Website Address [Text] rr_PerformanceAvailabilityWebSiteAddress www.tiaa.org
Performance Past Does Not Indicate Future [Text] rr_PerformancePastDoesNotIndicateFuture Past performance of the Fund (before and after taxes) is not necessarily an indication of how it will perform in the future.
Bar Chart [Heading] rr_BarChartHeading ANNUAL TOTAL RETURNS FOR THE RETIREMENT CLASS SHARES (%)† Lifecycle Index Retirement Income Fund
Bar Chart Footnotes [Text Block] rr_BarChartFootnotesTextBlock

 The year-to-date return as of the most recent calendar quarter, which ended on June 30, 2019, was 9.85%.

Bar Chart Closing [Text Block] rr_BarChartClosingTextBlock

Best quarter: 6.74%, for the quarter ended September 30, 2010. Worst quarter: -4.69%, for the quarter ended September 30, 2011.

Year to Date Return, Label rr_YearToDateReturnLabel The year-to-date return as of the most recent calendar quarter, which ended on June 30, 2019, was
Bar Chart, Year to Date Return, Date rr_BarChartYearToDateReturnDate Jun. 30, 2019
Bar Chart, Year to Date Return rr_BarChartYearToDateReturn 9.85%
Highest Quarterly Return, Label rr_HighestQuarterlyReturnLabel Best quarter:
Highest Quarterly Return, Date rr_BarChartHighestQuarterlyReturnDate Sep. 30, 2010
Highest Quarterly Return rr_BarChartHighestQuarterlyReturn 6.74%
Lowest Quarterly Return, Label rr_LowestQuarterlyReturnLabel Worst quarter:
Lowest Quarterly Return, Date rr_BarChartLowestQuarterlyReturnDate Sep. 30, 2011
Lowest Quarterly Return rr_BarChartLowestQuarterlyReturn (4.69%)
Index No Deduction for Fees, Expenses, Taxes [Text] rr_IndexNoDeductionForFeesExpensesTaxes (reflects no deductions for fees, expenses or taxes)
Performance Table Uses Highest Federal Rate rr_PerformanceTableUsesHighestFederalRate After-tax returns are calculated using the historical highest individual federal marginal income tax rates in effect during the periods shown and do not reflect the impact of state and local taxes.
Performance Table Not Relevant to Tax Deferred rr_PerformanceTableNotRelevantToTaxDeferred The after-tax returns shown are not relevant to investors who hold their Fund shares through tax-deferred arrangements such as 401(a), 401(k) or 403(b) plans or Individual Retirement Accounts (IRAs).
Performance Table One Class of after Tax Shown [Text] rr_PerformanceTableOneClassOfAfterTaxShown After-tax performance is shown only for the Retirement Class shares, and after-tax returns for the other classes of shares will vary from the after-tax returns presented for Retirement Class shares.
Performance Table Closing [Text Block] rr_PerformanceTableClosingTextBlock

Current performance of the Fund’s shares may be higher or lower than that shown above.


After-tax returns are calculated using the historical highest individual federal marginal income tax rates in effect during the periods shown and do not reflect the impact of state and local taxes. Actual after-tax returns depend on the investor’s tax situation and may differ from those shown. The after-tax returns shown are not relevant to investors who hold their Fund shares through tax-deferred arrangements such as 401(a), 401(k) or 403(b) plans or Individual Retirement Accounts (IRAs). After-tax returns are shown for only one class, and after-tax returns for other classes will vary.

Average Annual Return, Caption rr_AverageAnnualReturnCaption AVERAGE ANNUAL TOTAL RETURNS For the Periods Ended December 31, 2018
TIAA-CREF Lifecycle Index Retirement Income Fund | S&P Target Date Retirement Income Index  
Risk/Return: rr_RiskReturnAbstract  
1 Year rr_AverageAnnualReturnYear01 (2.54%)
5 Years rr_AverageAnnualReturnYear05 3.06%
Since Inception rr_AverageAnnualReturnSinceInception 4.75% [1]
TIAA-CREF Lifecycle Index Retirement Income Fund | Lifecycle Index Retirement Income Fund Composite Index (reflects no deductions for fees, expenses or taxes)  
Risk/Return: rr_RiskReturnAbstract  
1 Year rr_AverageAnnualReturnYear01 (2.83%) [2]
5 Years rr_AverageAnnualReturnYear05 3.84% [2]
Since Inception rr_AverageAnnualReturnSinceInception 5.88% [1],[2]
TIAA-CREF Lifecycle Index Retirement Income Fund | Institutional Class  
Risk/Return: rr_RiskReturnAbstract  
Maximum sales charge imposed on purchases (percentage of offering price) rr_MaximumSalesChargeImposedOnPurchasesOverOfferingPrice none
Maximum deferred sales charge rr_MaximumDeferredSalesChargeOverOfferingPrice none
Maximum sales charge imposed on reinvested dividends and other distributions rr_MaximumSalesChargeOnReinvestedDividendsAndDistributionsOverOther none
Redemption or exchange fee rr_RedemptionFeeOverRedemption none
Maximum account fee rr_MaximumAccountFeeOverAssets none
Management fees rr_ManagementFeesOverAssets 0.19% [3],[4]
Other expenses rr_OtherExpensesOverAssets 0.09% [3],[4]
Total annual Fund operating expenses rr_ExpensesOverAssets 0.28%
Waivers and expense reimbursements rr_FeeWaiverOrReimbursementOverAssets (0.18%) [5],[6]
Total annual Fund operating expenses after fee waiver and/or expense reimbursement rr_NetExpensesOverAssets 0.10%
Expense Example, with Redemption, 1 Year rr_ExpenseExampleYear01 $ 10
Expense Example, with Redemption, 3 Years rr_ExpenseExampleYear03 72
Expense Example, with Redemption, 5 Years rr_ExpenseExampleYear05 139
Expense Example, with Redemption, 10 Years rr_ExpenseExampleYear10 $ 338
1 Year rr_AverageAnnualReturnYear01 (2.65%)
5 Years rr_AverageAnnualReturnYear05 3.79%
Since Inception rr_AverageAnnualReturnSinceInception 5.76%
Inception Date rr_AverageAnnualReturnInceptionDate Sep. 30, 2009
TIAA-CREF Lifecycle Index Retirement Income Fund | Advisor Class  
Risk/Return: rr_RiskReturnAbstract  
Maximum sales charge imposed on purchases (percentage of offering price) rr_MaximumSalesChargeImposedOnPurchasesOverOfferingPrice none
Maximum deferred sales charge rr_MaximumDeferredSalesChargeOverOfferingPrice none
Maximum sales charge imposed on reinvested dividends and other distributions rr_MaximumSalesChargeOnReinvestedDividendsAndDistributionsOverOther none
Redemption or exchange fee rr_RedemptionFeeOverRedemption none
Maximum account fee rr_MaximumAccountFeeOverAssets none
Management fees rr_ManagementFeesOverAssets 0.19% [3],[4]
Other expenses rr_OtherExpensesOverAssets 0.17% [3],[4]
Total annual Fund operating expenses rr_ExpensesOverAssets 0.36%
Waivers and expense reimbursements rr_FeeWaiverOrReimbursementOverAssets (0.18%) [5],[6]
Total annual Fund operating expenses after fee waiver and/or expense reimbursement rr_NetExpensesOverAssets 0.18%
Expense Example, with Redemption, 1 Year rr_ExpenseExampleYear01 $ 18
Expense Example, with Redemption, 3 Years rr_ExpenseExampleYear03 97
Expense Example, with Redemption, 5 Years rr_ExpenseExampleYear05 184
Expense Example, with Redemption, 10 Years rr_ExpenseExampleYear10 $ 438
1 Year rr_AverageAnnualReturnYear01 (2.67%)
5 Years rr_AverageAnnualReturnYear05 3.66% [7]
Since Inception rr_AverageAnnualReturnSinceInception 5.57% [7]
Inception Date rr_AverageAnnualReturnInceptionDate Dec. 04, 2015
TIAA-CREF Lifecycle Index Retirement Income Fund | Premier Class  
Risk/Return: rr_RiskReturnAbstract  
Maximum sales charge imposed on purchases (percentage of offering price) rr_MaximumSalesChargeImposedOnPurchasesOverOfferingPrice none
Maximum deferred sales charge rr_MaximumDeferredSalesChargeOverOfferingPrice none
Maximum sales charge imposed on reinvested dividends and other distributions rr_MaximumSalesChargeOnReinvestedDividendsAndDistributionsOverOther none
Redemption or exchange fee rr_RedemptionFeeOverRedemption none
Maximum account fee rr_MaximumAccountFeeOverAssets none
Management fees rr_ManagementFeesOverAssets 0.19% [3],[4]
Distribution (Rule 12b-1) fees rr_DistributionAndService12b1FeesOverAssets 0.15%
Other expenses rr_OtherExpensesOverAssets 0.08% [3],[4]
Total annual Fund operating expenses rr_ExpensesOverAssets 0.42%
Waivers and expense reimbursements rr_FeeWaiverOrReimbursementOverAssets (0.17%) [5],[6]
Total annual Fund operating expenses after fee waiver and/or expense reimbursement rr_NetExpensesOverAssets 0.25%
Expense Example, with Redemption, 1 Year rr_ExpenseExampleYear01 $ 26
Expense Example, with Redemption, 3 Years rr_ExpenseExampleYear03 118
Expense Example, with Redemption, 5 Years rr_ExpenseExampleYear05 218
Expense Example, with Redemption, 10 Years rr_ExpenseExampleYear10 $ 513
1 Year rr_AverageAnnualReturnYear01 (2.80%)
5 Years rr_AverageAnnualReturnYear05 3.62%
Since Inception rr_AverageAnnualReturnSinceInception 5.60%
Inception Date rr_AverageAnnualReturnInceptionDate Sep. 30, 2009
TIAA-CREF Lifecycle Index Retirement Income Fund | Retirement Class  
Risk/Return: rr_RiskReturnAbstract  
Maximum sales charge imposed on purchases (percentage of offering price) rr_MaximumSalesChargeImposedOnPurchasesOverOfferingPrice none
Maximum deferred sales charge rr_MaximumDeferredSalesChargeOverOfferingPrice none
Maximum sales charge imposed on reinvested dividends and other distributions rr_MaximumSalesChargeOnReinvestedDividendsAndDistributionsOverOther none
Redemption or exchange fee rr_RedemptionFeeOverRedemption none
Maximum account fee rr_MaximumAccountFeeOverAssets none
Management fees rr_ManagementFeesOverAssets 0.19% [3],[4]
Other expenses rr_OtherExpensesOverAssets 0.34% [3],[4]
Total annual Fund operating expenses rr_ExpensesOverAssets 0.53%
Waivers and expense reimbursements rr_FeeWaiverOrReimbursementOverAssets (0.18%) [5],[6]
Total annual Fund operating expenses after fee waiver and/or expense reimbursement rr_NetExpensesOverAssets 0.35%
Expense Example, with Redemption, 1 Year rr_ExpenseExampleYear01 $ 36
Expense Example, with Redemption, 3 Years rr_ExpenseExampleYear03 152
Expense Example, with Redemption, 5 Years rr_ExpenseExampleYear05 278
Expense Example, with Redemption, 10 Years rr_ExpenseExampleYear10 $ 648
Annual Return 2010 rr_AnnualReturn2010 9.70%
Annual Return 2011 rr_AnnualReturn2011 4.21%
Annual Return 2012 rr_AnnualReturn2012 9.33%
Annual Return 2013 rr_AnnualReturn2013 8.16%
Annual Return 2014 rr_AnnualReturn2014 5.84%
Annual Return 2015 rr_AnnualReturn2015 (0.25%)
Annual Return 2016 rr_AnnualReturn2016 5.20%
Annual Return 2017 rr_AnnualReturn2017 10.24%
Annual Return 2018 rr_AnnualReturn2018 (2.90%)
1 Year rr_AverageAnnualReturnYear01 (2.90%)
5 Years rr_AverageAnnualReturnYear05 3.52%
Since Inception rr_AverageAnnualReturnSinceInception 5.49%
Inception Date rr_AverageAnnualReturnInceptionDate Sep. 30, 2009
TIAA-CREF Lifecycle Index Retirement Income Fund | Retirement Class | After Taxes on Distributions  
Risk/Return: rr_RiskReturnAbstract  
1 Year rr_AverageAnnualReturnYear01 (3.74%)
5 Years rr_AverageAnnualReturnYear05 2.78%
Since Inception rr_AverageAnnualReturnSinceInception 4.77%
TIAA-CREF Lifecycle Index Retirement Income Fund | Retirement Class | After Taxes on Distributions and Sale of Fund Shares  
Risk/Return: rr_RiskReturnAbstract  
1 Year rr_AverageAnnualReturnYear01 (1.52%)
5 Years rr_AverageAnnualReturnYear05 2.47%
Since Inception rr_AverageAnnualReturnSinceInception 4.12%
[1] Performance is calculated from the inception date of the Retirement Class.
[2] As of the close of business on December 31, 2018, the Lifecycle Index Retirement Income Fund Composite Index consisted of: 40.0% Bloomberg Barclays U.S. Aggregate Bond Index; 28.0% Russell 3000® Index; 12.0% MSCI EAFE + Emerging Markets Index; 10.0% Bloomberg Barclays U.S. 1-3 Year Government/Credit Bond Index; and 10.0% Bloomberg Barclays U.S. Treasury Inflation Protected Securities (TIPS) 1-10 Year Index. The Fund's composite benchmark, the components that make up a composite benchmark and the method of calculating a composite benchmark's performance may vary over time.
[3] Portions of the Management fees and Other expenses are based on expenses originally incurred by Class W shares of the Underlying Funds (as defined below) of the Trust, which have been incurred directly by the Fund pursuant to certain contractual arrangements intended to reallocate directly to the Fund certain fees and expenses that had been paid by the Underlying Funds of the Trust. For additional information, please see the "Management of the Funds" section of this Prospectus.
[4] Restated to reflect estimates for the current fiscal year.
[5] Advisors has contractually agreed to waive 0.102% of the Fund's Management fee. This waiver will remain in effect through September 30, 2020, unless changed with the approval of the Board of Trustees.
[6] Under the Fund's expense reimbursement arrangements, the Fund's investment adviser, Teachers Advisors, LLC ("Advisors"), has contractually agreed to reimburse the Fund for any Total annual Fund operating expenses (excluding interest, taxes, brokerage commissions or other transactional expenses, Acquired Fund fees and expenses, extraordinary expenses and any expenses originally attributable to Class W shares of the Underlying Funds of the Trust that were incurred directly by the Fund) that exceed: (i) 0.00% of average daily net assets for Institutional Class shares; (ii) 0.15% of average daily net assets for Advisor Class shares; (iii) 0.15% of average daily net assets for Premier Class shares; and (iv) 0.25% of average daily net assets for Retirement Class shares of the Fund. These expense reimbursement arrangements will continue through at least September 30, 2020, unless changed with approval of the Board of Trustees.
[7] The performance shown for the Advisor Class that is prior to its inception date is based on performance of the Fund's Retirement Class. The performance for these periods has not been restated to reflect the lower expenses of the Advisor Class.
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Document and Entity Information
Total
Prospectus:  
Document Type 485BPOS
Document Period End Date May 31, 2019
Entity Registrant Name TIAA-CREF FUNDS
Entity Central Index Key 0001084380
Entity Inv Company Type N-1A
Amendment Flag false
Document Creation Date Sep. 26, 2019
Document Effective Date Oct. 01, 2019
Prospectus Date Oct. 01, 2019
XML 53 R212.htm IDEA: XBRL DOCUMENT v3.19.3
Label Element Value
Risk/Return: rr_RiskReturnAbstract  
Prospectus Date rr_ProspectusDate Oct. 01, 2019
XML 54 R177.htm IDEA: XBRL DOCUMENT v3.19.3
TIAA-CREF Lifestyle Conservative Fund
TIAA-CREF Lifestyle Conservative Fund
Investment objective

The Fund seeks long-term total return, consisting of current income and capital appreciation.

Fees and expenses

This table describes the fees and expenses that you may pay if you buy and hold shares of the Fund. In addition to the fees and expenses described below, investors may be required to pay a commission to a broker-dealer or other financial intermediary on purchases and sales of Institutional Class or Advisor Class shares of the Fund.

SHAREHOLDER FEES (fees paid directly from your investment)
Shareholder Fees - TIAA-CREF Lifestyle Conservative Fund - USD ($)
Institutional Class
Advisor Class
Premier Class
Retirement Class
Retail Class
Maximum sales charge imposed on purchases (percentage of offering price) none none none none none
Maximum deferred sales charge none none none none none
Maximum sales charge imposed on reinvested dividends and other distributions none none none none none
Redemption or exchange fee none none none none none
Account maintenance fee (annual fee on accounts under $2,000) none none none none $ 15.00
ANNUAL FUND OPERATING EXPENSES (expenses that you pay each year as a percentage of the value of your investment)
Annual Fund Operating Expenses - TIAA-CREF Lifestyle Conservative Fund
Institutional Class
Advisor Class
Premier Class
Retirement Class
Retail Class
Management fees 0.10% 0.10% 0.10% 0.10% 0.10%
Distribution (Rule 12b-1) fees     0.15%   0.25%
Other expenses 0.10% 0.17% [1] 0.10% 0.34% 0.11%
Acquired Fund fees and expenses [2] 0.36% 0.36% 0.36% 0.36% 0.36%
Total annual Fund operating expenses 0.56% 0.63% 0.71% 0.80% 0.82%
Waivers and expense reimbursements [3] (0.10%) (0.09%) (0.10%) (0.09%) (0.09%)
Total annual Fund operating expenses after fee waiver and/or expense reimbursement 0.46% 0.54% 0.61% 0.71% 0.73%
[1] Restated to reflect estimate for the current fiscal year.
[2] "Acquired Fund fees and expenses" are the Fund's proportionate amount of the expenses of any investment companies or pools in which it invests. These expenses are not paid directly by Fund shareholders. Instead, Fund shareholders bear these expenses indirectly because they reduce Fund performance. Because "Acquired Fund fees and expenses" are included in the chart above, the Fund's operating expenses here will not correlate with the expenses included in the Financial highlights in this Prospectus and the Fund's annual report.
[3] Under the Fund's expense reimbursement arrangements, the Fund's investment adviser, Teachers Advisors, LLC ("Advisors"), has contractually agreed to reimburse the Fund for any Total annual Fund operating expenses (excluding interest, taxes, brokerage commissions or other transactional expenses, Acquired Fund fees and expenses and extraordinary expenses) that exceed: (i) 0.10% of average daily net assets for Institutional Class shares; (ii) 0.25% of average daily net assets for Advisor Class shares; (iii) 0.25% of average daily net assets for Premier Class shares; (iv) 0.35% of average daily net assets for Retirement Class shares; and (v) 0.49% of average daily net assets for Retail Class shares of the Fund. These expense reimbursement arrangements will continue through at least September 30, 2020, unless changed with approval of the Board of Trustees.
Example

This example is intended to help you compare the cost of investing in shares of the Fund with the cost of investing in other mutual funds. The example assumes that you invest $10,000 in the Fund for the time periods indicated and then redeem all your shares at the end of those periods. The example also assumes that your investment has a 5% return each year and that the Fund’s operating expenses, before fee waivers and/or expense reimbursements, remain the same. The example assumes that the Fund’s fee waiver and/or expense reimbursement arrangements will each remain in place for the duration noted in the table above. Although your actual costs may be higher or lower, based on these assumptions your costs would be:

Expense Example - TIAA-CREF Lifestyle Conservative Fund - USD ($)
Institutional Class
Advisor Class
Premier Class
Retirement Class
Retail Class
1 year $ 47 $ 55 $ 62 $ 73 $ 75
3 years 169 193 217 246 253
5 years 303 342 385 435 446
10 years $ 692 $ 778 $ 873 $ 981 $ 1,005
Portfolio turnover

The Fund pays transaction costs, such as commissions, when it buys and sells securities (or “turns over” its portfolio). A higher portfolio turnover rate may indicate higher transaction costs and may result in higher taxes when Fund shares are held in a taxable account. These costs, which are not reflected in annual fund operating expenses or in the example, affect the Fund’s performance. During the fiscal year ended May 31, 2019, the Fund’s portfolio turnover rate was 24% of the average value of its portfolio.

Principal investment strategies

The Fund is a “fund of funds” that invests in Institutional Class shares of other funds of the Trust and potentially in other investment pools or investment products, including other funds advised by the Fund’s investment adviser, Teachers Advisors, LLC (“Advisors”), or its affiliates (collectively, the “Underlying Funds”). The Fund is designed for investors seeking long-term total return, consisting of current income and capital appreciation, through a relatively stable asset allocation strategy targeting a conservative risk-return profile. Advisors generally seeks to meet the Fund’s investment objective by investing: (1) approximately 40% of the Fund’s assets in equity Underlying Funds and (2) approximately 60% of the Fund’s assets in fixed-income Underlying Funds. The Fund may deviate from these target allocations by up to ten percentage points depending upon current market conditions and outlook.


The Underlying Funds’ allocation targets generally represent targets for investments in equity and fixed-income asset classes. Within the equity and fixed-income asset classes, Advisors allocates the Fund’s investments to particular market sectors (which may include U.S. equity, international equity, fixed-income and short-term fixed-income) represented by various Underlying Funds. To maintain an appropriate allocation among the Underlying Funds, the portfolio managers monitor the domestic and foreign equity markets, as well as overall financial and economic conditions. The Fund may sometimes be more heavily weighted toward equities or fixed-income than the target allocations, if the portfolio managers believe market conditions warrant. For example, the Fund may increase its holdings in fixed-income Underlying Funds in periods when the portfolio managers believe the equity markets will decline. The market sector allocations and Underlying Fund allocations may also be changed over time by the portfolio managers, including the addition and removal of market sectors and Underlying Funds in which the Fund invests in light of the Fund’s desired level of risk and potential return at a particular time as evaluated by the portfolio managers based on a mix of qualitative and quantitative factors. The portfolio managers may also opportunistically purchase other Funds or other investment pools or investment products, based on the portfolio managers’ evaluation of the market sectors and/or Underlying Funds without prior notice to shareholders. If 10% or more of the Fund’s assets are expected to be invested in any Underlying Fund, market sector or asset class not listed in the chart below, shareholders will receive prior notice of such change.


As a result of its investments in the Underlying Funds, the Fund’s returns will reflect investments in a mix of domestic and foreign equities of companies of various sizes and a variety of domestic and foreign fixed-income instruments of private and governmental issuers of varying maturities and credit qualities.


As part of the Fund’s ability to invest in unaffiliated investment products or pools noted above, the Fund may invest in exchange-traded funds (“ETFs”) and exchange-traded notes (“ETNs”) to gain exposure to various market sectors or securities in order to effect its asset allocation strategy. Additionally, the Fund may use ETFs and ETNs for cash management, hedging or defensive purposes. ETFs and ETNs will be subject to the risks associated with the types of securities or sectors that they track, while ETNs, which are structured as fixed-income obligations, will also be subject to the general risks of fixed-income securities, including credit risk.


The Fund’s asset class allocations, market sector allocations within each asset class, and Underlying Fund allocations within each market sector as of June 30, 2019, are listed in the chart below. These allocations may change over time. Underlying Fund allocations in particular may change from year to year.


        

Asset Class

Allocation

  

Market Sector

Allocation

 

Underlying Funds

Allocation

Equity

40.70%

 

U.S. Equity

29.53%

 

Ÿ Large-Cap Growth Fund

7.20%

      

Ÿ Large-Cap Value Fund

6.97%

      

Ÿ Growth & Income Fund

6.39%

      

Ÿ Quant Large-Cap Growth Fund

4.70%

      

Ÿ Quant Large-Cap Value Fund

1.61%

      

Ÿ Quant Small-Cap Equity Fund

1.43%

      

Ÿ Quant Small/Mid-Cap Equity Fund

1.23%

   

International Equity

11.17%

 

Ÿ International Equity Fund

3.15%

      

Ÿ International Opportunities Fund

2.63%

      

Ÿ Emerging Markets Equity Fund

2.08%

      

Ÿ Quant International Equity Fund

1.69%

      

Ÿ Quant International Small-Cap Equity Fund

1.62%

Fixed-Income

59.30%

 

Fixed-Income

38.59%

 

Ÿ Bond Plus Fund

29.69%

      

Ÿ Bond Fund

8.90%

   

Short-Term
Fixed-Income

20.71%

 

Ÿ Short-Term Bond Fund

20.71%


        

Total

100.00%

  

100.00%

  

100.00%

Principal investment risks

You could lose money over short or long periods by investing in this Fund. An investment in the Fund, due to the nature of the Fund’s portfolio holdings, typically is subject to the following principal investment risks:


· Asset Allocation Risk—The risk that the Fund may not achieve its target allocations. In addition, there is the risk that the asset allocations may not achieve the desired risk-return characteristic or that the selection of Underlying Funds and the allocations among them will result in the Fund underperforming other similar funds or cause an investor to lose money.


· Underlying Funds Risks—The Fund is exposed to the risks of the Underlying Funds in which it invests in direct proportion to the amount of assets the Fund allocates to each Underlying Fund.


· Fixed-Income Underlying Funds Risks—The risks of investing in fixed-income Underlying Funds include risks specific to their investment strategies, as well as risks related to the fixed-income markets in general, such as:


· interest rate risk—The risk that the value or yield of fixed-income investments may decline if interest rates change, which could adversely affect a Fund’s income or the value of its holdings;


· extension risk—The risk that during periods of rising interest rates, borrowers may pay off their mortgage loans later than expected, preventing a Fund from reinvesting principal proceeds at higher interest rates and resulting in less income than potentially available;


· issuer risk—The risk that an issuer’s earnings prospects and overall financial position will deteriorate, causing a decline in the value of the issuer’s financial instruments over short or extended periods of time;


· credit risk—The risk that a decline in an issuer’s financial position may prevent it from making principal and interest payments on fixed-income investments held by a Fund when due;


· credit spread risk—The risk that credit spreads (i.e., the difference in yield between securities that is due to differences in each security’s respective credit quality) may increase when market participants believe that bonds generally have a greater risk of default, which could result in a decline in the market values of a Fund’s debt securities;


· income volatility risk—The risk that the level of current income from a Fund’s portfolio of fixed-income securities may decline due to rapid and unpredictable changes in prevailing market interest rates; and


· call risk—The risk that, during periods of falling interest rates, an issuer may call (or repay) a fixed-income security prior to maturity, resulting in a decline in a Fund’s income.


· Equity Underlying Funds Risks—The risks of investing in equity Underlying Funds include risks specific to their investment strategies, as well as risks related to the equity markets in general, such as:


· market risk—The risk that the price of equity investments may decline in response to general market and economic conditions or events, including conditions and developments outside of the financial markets;


· issuer risk—The risk that an issuer’s earnings prospects and overall financial position will deteriorate, causing a decline in the value of the issuer’s financial instruments over short or extended periods of time; and


· foreign investment risk—The increased risks of adverse issuer, political, regulatory, currency, market or economic developments compared to investments in U.S. issuers, which can result in greater market and price volatility.


· Active Management Risk—The risk that the strategy, investment selection or trading execution of Advisors could cause the Fund or an Underlying Fund to underperform its benchmark index or mutual funds with similar investment objectives.


· Fund of Funds Risk—The ability of the Fund to achieve its investment objective will depend in part upon the ability of the Underlying Funds to achieve their investment objectives. There can be no guarantee that any Underlying Fund will achieve its investment objective.


There can be no assurances that the Fund will achieve its investment objective. You should not consider the Fund to be a complete investment program. Please see the non-summary portion of the Prospectus for more detailed information about the risks described above, including the risks of the Underlying Funds.

Past performance

The following chart and table help illustrate some of the risks of investing in the Fund by showing changes in the Fund’s performance from year to year. The bar chart shows the annual total returns of the Institutional Class of the Fund, before taxes, in each full calendar year since inception of the Institutional Class. Because the expenses vary across share classes, the performance of the Institutional Class may vary from the other share classes. Below the bar chart are the best and worst returns of the Institutional Class for a calendar quarter during the full calendar-year periods covered by the bar chart. The performance table following the bar chart shows the Fund’s average annual total returns for the Institutional, Advisor, Premier, Retirement and Retail classes over the applicable one-year, five-year, ten-year and since-inception periods ended December 31, 2018, and how those returns compare to those of a broad-based securities market index and a composite index based on the Fund’s target allocations. After-tax performance is shown only for the Institutional Class shares, and after-tax returns for the other classes of shares will vary from the after-tax returns presented for Institutional Class shares.


The returns shown below reflect previous agreements by Advisors to waive or reimburse the Fund and certain Underlying Funds for certain fees and expenses. Without these waivers and reimbursements, the returns of the Fund would have been lower. Past performance of the Fund (before and after taxes) is not necessarily an indication of how it will perform in the future. The indices listed below are unmanaged, and you cannot invest directly in an index. The returns for the indices reflect no deduction for fees, expenses or taxes.


For current performance information of each share class, including performance to the most recent month-end, please visit www.tiaa.org.

ANNUAL TOTAL RETURNS FOR THE INSTITUTIONAL CLASS SHARES (%)† Lifestyle Conservative Fund
Bar Chart

 The year-to-date return as of the most recent calendar quarter, which ended on June 30, 2019, was 10.28%.

Best quarter: 6.70%, for the quarter ended March 31, 2012. Worst quarter: -6.13%, for the quarter ended December 31, 2018.

AVERAGE ANNUAL TOTAL RETURNS For the Periods Ended December 31, 2018
Average Annual Returns - TIAA-CREF Lifestyle Conservative Fund
1 Year
5 Years
Since Inception
Inception Date
Institutional Class (4.43%) 3.47% 5.60% Dec. 09, 2011
Advisor Class (4.62%) 3.43% [1] 5.57% [1] Dec. 04, 2015
Premier Class (4.63%) 3.29% 5.43% Dec. 09, 2011
Retirement Class (4.75%) 3.20% 5.32% Dec. 09, 2011
Retail Class (4.77%) 3.18% 5.29% Dec. 09, 2011
After Taxes on Distributions | Institutional Class (5.65%) 2.23% 4.41%  
After Taxes on Distributions and Sale of Fund Shares | Institutional Class (2.22%) 2.29% 4.01%  
Morningstar Moderately Conservative Target Risk Index (reflects no deductions for fees, expenses or taxes) (2.87%) 3.46% 5.09% [2]  
Lifestyle Conservative Fund Composite Index (reflects no deductions for fees, expenses or taxes) [3] (2.76%) 3.65% 5.21% [2]  
[1] The performance shown for the Advisor Class that is prior to its inception date is based on performance of the Fund's Institutional Class. The performance for these periods has not been restated to reflect higher expenses of the Advisor Class. If those expenses had been reflected, the performance would have been lower.
[2] Performance is calculated from the inception date of the Institutional Class.
[3] As of the close of business on December 31, 2018, the Lifestyle Conservative Fund Composite Index consisted of: 40.0% Bloomberg Barclays U.S. Aggregate Bond Index; 28.0% Russell 3000® Index; 20.0% Bloomberg Barclays U.S. 1-3 Year Government/Credit Bond Index; and 12.0% MSCI All Country World Index ex USA Investable Market Index. The Fund's composite benchmark, the components that make up a composite benchmark and the method of calculating a composite benchmark's performance may vary over time.

Current performance of the Fund’s shares may be higher or lower than that shown above.


After-tax returns are calculated using the historical highest individual federal marginal income tax rates in effect during the periods shown and do not reflect the impact of state and local taxes. Actual after-tax returns depend on the investor’s tax situation and may differ from those shown. The after-tax returns shown are not relevant to investors who hold their Fund shares through tax-deferred arrangements such as 401(a), 401(k) or 403(b) plans or Individual Retirement Accounts (IRAs). After-tax returns are shown for only one class, and after-tax returns for other classes will vary.

XML 55 R183.htm IDEA: XBRL DOCUMENT v3.19.3
Label Element Value
TIAA-CREF Lifestyle Conservative Fund  
Risk/Return: rr_RiskReturnAbstract  
Risk/Return [Heading] rr_RiskReturnHeading TIAA-CREF Lifestyle Conservative Fund
Objective [Heading] rr_ObjectiveHeading Investment objective
Objective, Primary [Text Block] rr_ObjectivePrimaryTextBlock

The Fund seeks long-term total return, consisting of current income and capital appreciation.

Expense [Heading] rr_ExpenseHeading Fees and expenses
Expense Narrative [Text Block] rr_ExpenseNarrativeTextBlock

This table describes the fees and expenses that you may pay if you buy and hold shares of the Fund. In addition to the fees and expenses described below, investors may be required to pay a commission to a broker-dealer or other financial intermediary on purchases and sales of Institutional Class or Advisor Class shares of the Fund.

Shareholder Fees Caption [Text] rr_ShareholderFeesCaption SHAREHOLDER FEES (fees paid directly from your investment)
Operating Expenses Caption [Text] rr_OperatingExpensesCaption ANNUAL FUND OPERATING EXPENSES (expenses that you pay each year as a percentage of the value of your investment)
Portfolio Turnover [Heading] rr_PortfolioTurnoverHeading Portfolio turnover
Portfolio Turnover [Text Block] rr_PortfolioTurnoverTextBlock

The Fund pays transaction costs, such as commissions, when it buys and sells securities (or “turns over” its portfolio). A higher portfolio turnover rate may indicate higher transaction costs and may result in higher taxes when Fund shares are held in a taxable account. These costs, which are not reflected in annual fund operating expenses or in the example, affect the Fund’s performance. During the fiscal year ended May 31, 2019, the Fund’s portfolio turnover rate was 24% of the average value of its portfolio.

Portfolio Turnover, Rate rr_PortfolioTurnoverRate 24.00%
Expense Example [Heading] rr_ExpenseExampleHeading Example
Expense Example Narrative [Text Block] rr_ExpenseExampleNarrativeTextBlock

This example is intended to help you compare the cost of investing in shares of the Fund with the cost of investing in other mutual funds. The example assumes that you invest $10,000 in the Fund for the time periods indicated and then redeem all your shares at the end of those periods. The example also assumes that your investment has a 5% return each year and that the Fund’s operating expenses, before fee waivers and/or expense reimbursements, remain the same. The example assumes that the Fund’s fee waiver and/or expense reimbursement arrangements will each remain in place for the duration noted in the table above. Although your actual costs may be higher or lower, based on these assumptions your costs would be:

Strategy [Heading] rr_StrategyHeading Principal investment strategies
Strategy Narrative [Text Block] rr_StrategyNarrativeTextBlock

The Fund is a “fund of funds” that invests in Institutional Class shares of other funds of the Trust and potentially in other investment pools or investment products, including other funds advised by the Fund’s investment adviser, Teachers Advisors, LLC (“Advisors”), or its affiliates (collectively, the “Underlying Funds”). The Fund is designed for investors seeking long-term total return, consisting of current income and capital appreciation, through a relatively stable asset allocation strategy targeting a conservative risk-return profile. Advisors generally seeks to meet the Fund’s investment objective by investing: (1) approximately 40% of the Fund’s assets in equity Underlying Funds and (2) approximately 60% of the Fund’s assets in fixed-income Underlying Funds. The Fund may deviate from these target allocations by up to ten percentage points depending upon current market conditions and outlook.


The Underlying Funds’ allocation targets generally represent targets for investments in equity and fixed-income asset classes. Within the equity and fixed-income asset classes, Advisors allocates the Fund’s investments to particular market sectors (which may include U.S. equity, international equity, fixed-income and short-term fixed-income) represented by various Underlying Funds. To maintain an appropriate allocation among the Underlying Funds, the portfolio managers monitor the domestic and foreign equity markets, as well as overall financial and economic conditions. The Fund may sometimes be more heavily weighted toward equities or fixed-income than the target allocations, if the portfolio managers believe market conditions warrant. For example, the Fund may increase its holdings in fixed-income Underlying Funds in periods when the portfolio managers believe the equity markets will decline. The market sector allocations and Underlying Fund allocations may also be changed over time by the portfolio managers, including the addition and removal of market sectors and Underlying Funds in which the Fund invests in light of the Fund’s desired level of risk and potential return at a particular time as evaluated by the portfolio managers based on a mix of qualitative and quantitative factors. The portfolio managers may also opportunistically purchase other Funds or other investment pools or investment products, based on the portfolio managers’ evaluation of the market sectors and/or Underlying Funds without prior notice to shareholders. If 10% or more of the Fund’s assets are expected to be invested in any Underlying Fund, market sector or asset class not listed in the chart below, shareholders will receive prior notice of such change.


As a result of its investments in the Underlying Funds, the Fund’s returns will reflect investments in a mix of domestic and foreign equities of companies of various sizes and a variety of domestic and foreign fixed-income instruments of private and governmental issuers of varying maturities and credit qualities.


As part of the Fund’s ability to invest in unaffiliated investment products or pools noted above, the Fund may invest in exchange-traded funds (“ETFs”) and exchange-traded notes (“ETNs”) to gain exposure to various market sectors or securities in order to effect its asset allocation strategy. Additionally, the Fund may use ETFs and ETNs for cash management, hedging or defensive purposes. ETFs and ETNs will be subject to the risks associated with the types of securities or sectors that they track, while ETNs, which are structured as fixed-income obligations, will also be subject to the general risks of fixed-income securities, including credit risk.


The Fund’s asset class allocations, market sector allocations within each asset class, and Underlying Fund allocations within each market sector as of June 30, 2019, are listed in the chart below. These allocations may change over time. Underlying Fund allocations in particular may change from year to year.


        

Asset Class

Allocation

  

Market Sector

Allocation

 

Underlying Funds

Allocation

Equity

40.70%

 

U.S. Equity

29.53%

 

Ÿ Large-Cap Growth Fund

7.20%

      

Ÿ Large-Cap Value Fund

6.97%

      

Ÿ Growth & Income Fund

6.39%

      

Ÿ Quant Large-Cap Growth Fund

4.70%

      

Ÿ Quant Large-Cap Value Fund

1.61%

      

Ÿ Quant Small-Cap Equity Fund

1.43%

      

Ÿ Quant Small/Mid-Cap Equity Fund

1.23%

   

International Equity

11.17%

 

Ÿ International Equity Fund

3.15%

      

Ÿ International Opportunities Fund

2.63%

      

Ÿ Emerging Markets Equity Fund

2.08%

      

Ÿ Quant International Equity Fund

1.69%

      

Ÿ Quant International Small-Cap Equity Fund

1.62%

Fixed-Income

59.30%

 

Fixed-Income

38.59%

 

Ÿ Bond Plus Fund

29.69%

      

Ÿ Bond Fund

8.90%

   

Short-Term
Fixed-Income

20.71%

 

Ÿ Short-Term Bond Fund

20.71%


        

Total

100.00%

  

100.00%

  

100.00%

Risk [Heading] rr_RiskHeading Principal investment risks
Risk Narrative [Text Block] rr_RiskNarrativeTextBlock

You could lose money over short or long periods by investing in this Fund. An investment in the Fund, due to the nature of the Fund’s portfolio holdings, typically is subject to the following principal investment risks:


· Asset Allocation Risk—The risk that the Fund may not achieve its target allocations. In addition, there is the risk that the asset allocations may not achieve the desired risk-return characteristic or that the selection of Underlying Funds and the allocations among them will result in the Fund underperforming other similar funds or cause an investor to lose money.


· Underlying Funds Risks—The Fund is exposed to the risks of the Underlying Funds in which it invests in direct proportion to the amount of assets the Fund allocates to each Underlying Fund.


· Fixed-Income Underlying Funds Risks—The risks of investing in fixed-income Underlying Funds include risks specific to their investment strategies, as well as risks related to the fixed-income markets in general, such as:


· interest rate risk—The risk that the value or yield of fixed-income investments may decline if interest rates change, which could adversely affect a Fund’s income or the value of its holdings;


· extension risk—The risk that during periods of rising interest rates, borrowers may pay off their mortgage loans later than expected, preventing a Fund from reinvesting principal proceeds at higher interest rates and resulting in less income than potentially available;


· issuer risk—The risk that an issuer’s earnings prospects and overall financial position will deteriorate, causing a decline in the value of the issuer’s financial instruments over short or extended periods of time;


· credit risk—The risk that a decline in an issuer’s financial position may prevent it from making principal and interest payments on fixed-income investments held by a Fund when due;


· credit spread risk—The risk that credit spreads (i.e., the difference in yield between securities that is due to differences in each security’s respective credit quality) may increase when market participants believe that bonds generally have a greater risk of default, which could result in a decline in the market values of a Fund’s debt securities;


· income volatility risk—The risk that the level of current income from a Fund’s portfolio of fixed-income securities may decline due to rapid and unpredictable changes in prevailing market interest rates; and


· call risk—The risk that, during periods of falling interest rates, an issuer may call (or repay) a fixed-income security prior to maturity, resulting in a decline in a Fund’s income.


· Equity Underlying Funds Risks—The risks of investing in equity Underlying Funds include risks specific to their investment strategies, as well as risks related to the equity markets in general, such as:


· market risk—The risk that the price of equity investments may decline in response to general market and economic conditions or events, including conditions and developments outside of the financial markets;


· issuer risk—The risk that an issuer’s earnings prospects and overall financial position will deteriorate, causing a decline in the value of the issuer’s financial instruments over short or extended periods of time; and


· foreign investment risk—The increased risks of adverse issuer, political, regulatory, currency, market or economic developments compared to investments in U.S. issuers, which can result in greater market and price volatility.


· Active Management Risk—The risk that the strategy, investment selection or trading execution of Advisors could cause the Fund or an Underlying Fund to underperform its benchmark index or mutual funds with similar investment objectives.


· Fund of Funds Risk—The ability of the Fund to achieve its investment objective will depend in part upon the ability of the Underlying Funds to achieve their investment objectives. There can be no guarantee that any Underlying Fund will achieve its investment objective.


There can be no assurances that the Fund will achieve its investment objective. You should not consider the Fund to be a complete investment program. Please see the non-summary portion of the Prospectus for more detailed information about the risks described above, including the risks of the Underlying Funds.

Risk Lose Money [Text] rr_RiskLoseMoney You could lose money over short or long periods by investing in this Fund.
Bar Chart and Performance Table [Heading] rr_BarChartAndPerformanceTableHeading Past performance
Performance Narrative [Text Block] rr_PerformanceNarrativeTextBlock

The following chart and table help illustrate some of the risks of investing in the Fund by showing changes in the Fund’s performance from year to year. The bar chart shows the annual total returns of the Institutional Class of the Fund, before taxes, in each full calendar year since inception of the Institutional Class. Because the expenses vary across share classes, the performance of the Institutional Class may vary from the other share classes. Below the bar chart are the best and worst returns of the Institutional Class for a calendar quarter during the full calendar-year periods covered by the bar chart. The performance table following the bar chart shows the Fund’s average annual total returns for the Institutional, Advisor, Premier, Retirement and Retail classes over the applicable one-year, five-year, ten-year and since-inception periods ended December 31, 2018, and how those returns compare to those of a broad-based securities market index and a composite index based on the Fund’s target allocations. After-tax performance is shown only for the Institutional Class shares, and after-tax returns for the other classes of shares will vary from the after-tax returns presented for Institutional Class shares.


The returns shown below reflect previous agreements by Advisors to waive or reimburse the Fund and certain Underlying Funds for certain fees and expenses. Without these waivers and reimbursements, the returns of the Fund would have been lower. Past performance of the Fund (before and after taxes) is not necessarily an indication of how it will perform in the future. The indices listed below are unmanaged, and you cannot invest directly in an index. The returns for the indices reflect no deduction for fees, expenses or taxes.


For current performance information of each share class, including performance to the most recent month-end, please visit www.tiaa.org.

Performance Information Illustrates Variability of Returns [Text] rr_PerformanceInformationIllustratesVariabilityOfReturns The following chart and table help illustrate some of the risks of investing in the Fund by showing changes in the Fund’s performance from year to year.
Performance Additional Market Index [Text] rr_PerformanceAdditionalMarketIndex As of the close of business on December 31, 2018, the Lifestyle Conservative Fund Composite Index consisted of: 40.0% Bloomberg Barclays U.S. Aggregate Bond Index; 28.0% Russell 3000® Index; 20.0% Bloomberg Barclays U.S. 1-3 Year Government/Credit Bond Index; and 12.0% MSCI All Country World Index ex USA Investable Market Index. The Fund’s composite benchmark, the components that make up a composite benchmark and the method of calculating a composite benchmark’s performance may vary over time.
Performance Availability Website Address [Text] rr_PerformanceAvailabilityWebSiteAddress www.tiaa.org
Performance Past Does Not Indicate Future [Text] rr_PerformancePastDoesNotIndicateFuture Past performance of the Fund (before and after taxes) is not necessarily an indication of how it will perform in the future.
Bar Chart [Heading] rr_BarChartHeading ANNUAL TOTAL RETURNS FOR THE INSTITUTIONAL CLASS SHARES (%)† Lifestyle Conservative Fund
Bar Chart Footnotes [Text Block] rr_BarChartFootnotesTextBlock

 The year-to-date return as of the most recent calendar quarter, which ended on June 30, 2019, was 10.28%.

Bar Chart Closing [Text Block] rr_BarChartClosingTextBlock

Best quarter: 6.70%, for the quarter ended March 31, 2012. Worst quarter: -6.13%, for the quarter ended December 31, 2018.

Year to Date Return, Label rr_YearToDateReturnLabel The year-to-date return as of the most recent calendar quarter, which ended on June 30, 2019, was
Bar Chart, Year to Date Return, Date rr_BarChartYearToDateReturnDate Jun. 30, 2019
Bar Chart, Year to Date Return rr_BarChartYearToDateReturn 10.28%
Highest Quarterly Return, Label rr_HighestQuarterlyReturnLabel Best quarter:
Highest Quarterly Return, Date rr_BarChartHighestQuarterlyReturnDate Mar. 31, 2012
Highest Quarterly Return rr_BarChartHighestQuarterlyReturn 6.70%
Lowest Quarterly Return, Label rr_LowestQuarterlyReturnLabel Worst quarter:
Lowest Quarterly Return, Date rr_BarChartLowestQuarterlyReturnDate Dec. 31, 2018
Lowest Quarterly Return rr_BarChartLowestQuarterlyReturn (6.13%)
Index No Deduction for Fees, Expenses, Taxes [Text] rr_IndexNoDeductionForFeesExpensesTaxes (reflects no deductions for fees, expenses or taxes)
Performance Table Uses Highest Federal Rate rr_PerformanceTableUsesHighestFederalRate After-tax returns are calculated using the historical highest individual federal marginal income tax rates in effect during the periods shown and do not reflect the impact of state and local taxes.
Performance Table Not Relevant to Tax Deferred rr_PerformanceTableNotRelevantToTaxDeferred The after-tax returns shown are not relevant to investors who hold their Fund shares through tax-deferred arrangements such as 401(a), 401(k) or 403(b) plans or Individual Retirement Accounts (IRAs).
Performance Table One Class of after Tax Shown [Text] rr_PerformanceTableOneClassOfAfterTaxShown After-tax performance is shown only for the Institutional Class shares, and after-tax returns for the other classes of shares will vary from the after-tax returns presented for Institutional Class shares.
Performance Table Closing [Text Block] rr_PerformanceTableClosingTextBlock

Current performance of the Fund’s shares may be higher or lower than that shown above.


After-tax returns are calculated using the historical highest individual federal marginal income tax rates in effect during the periods shown and do not reflect the impact of state and local taxes. Actual after-tax returns depend on the investor’s tax situation and may differ from those shown. The after-tax returns shown are not relevant to investors who hold their Fund shares through tax-deferred arrangements such as 401(a), 401(k) or 403(b) plans or Individual Retirement Accounts (IRAs). After-tax returns are shown for only one class, and after-tax returns for other classes will vary.

Average Annual Return, Caption rr_AverageAnnualReturnCaption AVERAGE ANNUAL TOTAL RETURNS For the Periods Ended December 31, 2018
TIAA-CREF Lifestyle Conservative Fund | Morningstar Moderately Conservative Target Risk Index (reflects no deductions for fees, expenses or taxes)  
Risk/Return: rr_RiskReturnAbstract  
1 Year rr_AverageAnnualReturnYear01 (2.87%)
5 Years rr_AverageAnnualReturnYear05 3.46%
Since Inception rr_AverageAnnualReturnSinceInception 5.09% [1]
TIAA-CREF Lifestyle Conservative Fund | Lifestyle Conservative Fund Composite Index (reflects no deductions for fees, expenses or taxes)  
Risk/Return: rr_RiskReturnAbstract  
1 Year rr_AverageAnnualReturnYear01 (2.76%) [2]
5 Years rr_AverageAnnualReturnYear05 3.65% [2]
Since Inception rr_AverageAnnualReturnSinceInception 5.21% [1],[2]
TIAA-CREF Lifestyle Conservative Fund | Institutional Class  
Risk/Return: rr_RiskReturnAbstract  
Maximum sales charge imposed on purchases (percentage of offering price) rr_MaximumSalesChargeImposedOnPurchasesOverOfferingPrice none
Maximum deferred sales charge rr_MaximumDeferredSalesChargeOverOfferingPrice none
Maximum sales charge imposed on reinvested dividends and other distributions rr_MaximumSalesChargeOnReinvestedDividendsAndDistributionsOverOther none
Redemption or exchange fee rr_RedemptionFeeOverRedemption none
Account maintenance fee (annual fee on accounts under $2,000) rr_ShareholderFeeOther none
Management fees rr_ManagementFeesOverAssets 0.10%
Other expenses rr_OtherExpensesOverAssets 0.10%
Acquired Fund fees and expenses rr_AcquiredFundFeesAndExpensesOverAssets 0.36% [3]
Total annual Fund operating expenses rr_ExpensesOverAssets 0.56%
Waivers and expense reimbursements rr_FeeWaiverOrReimbursementOverAssets (0.10%) [4]
Total annual Fund operating expenses after fee waiver and/or expense reimbursement rr_NetExpensesOverAssets 0.46%
Expense Example, with Redemption, 1 Year rr_ExpenseExampleYear01 $ 47
Expense Example, with Redemption, 3 Years rr_ExpenseExampleYear03 169
Expense Example, with Redemption, 5 Years rr_ExpenseExampleYear05 303
Expense Example, with Redemption, 10 Years rr_ExpenseExampleYear10 $ 692
Annual Return 2012 rr_AnnualReturn2012 11.78%
Annual Return 2013 rr_AnnualReturn2013 10.84%
Annual Return 2014 rr_AnnualReturn2014 4.28%
Annual Return 2015 rr_AnnualReturn2015 0.65%
Annual Return 2016 rr_AnnualReturn2016 5.43%
Annual Return 2017 rr_AnnualReturn2017 12.12%
Annual Return 2018 rr_AnnualReturn2018 (4.43%)
1 Year rr_AverageAnnualReturnYear01 (4.43%)
5 Years rr_AverageAnnualReturnYear05 3.47%
Since Inception rr_AverageAnnualReturnSinceInception 5.60%
Inception Date rr_AverageAnnualReturnInceptionDate Dec. 09, 2011
TIAA-CREF Lifestyle Conservative Fund | Institutional Class | After Taxes on Distributions  
Risk/Return: rr_RiskReturnAbstract  
1 Year rr_AverageAnnualReturnYear01 (5.65%)
5 Years rr_AverageAnnualReturnYear05 2.23%
Since Inception rr_AverageAnnualReturnSinceInception 4.41%
TIAA-CREF Lifestyle Conservative Fund | Institutional Class | After Taxes on Distributions and Sale of Fund Shares  
Risk/Return: rr_RiskReturnAbstract  
1 Year rr_AverageAnnualReturnYear01 (2.22%)
5 Years rr_AverageAnnualReturnYear05 2.29%
Since Inception rr_AverageAnnualReturnSinceInception 4.01%
TIAA-CREF Lifestyle Conservative Fund | Advisor Class  
Risk/Return: rr_RiskReturnAbstract  
Maximum sales charge imposed on purchases (percentage of offering price) rr_MaximumSalesChargeImposedOnPurchasesOverOfferingPrice none
Maximum deferred sales charge rr_MaximumDeferredSalesChargeOverOfferingPrice none
Maximum sales charge imposed on reinvested dividends and other distributions rr_MaximumSalesChargeOnReinvestedDividendsAndDistributionsOverOther none
Redemption or exchange fee rr_RedemptionFeeOverRedemption none
Account maintenance fee (annual fee on accounts under $2,000) rr_ShareholderFeeOther none
Management fees rr_ManagementFeesOverAssets 0.10%
Other expenses rr_OtherExpensesOverAssets 0.17% [5]
Acquired Fund fees and expenses rr_AcquiredFundFeesAndExpensesOverAssets 0.36% [3]
Total annual Fund operating expenses rr_ExpensesOverAssets 0.63%
Waivers and expense reimbursements rr_FeeWaiverOrReimbursementOverAssets (0.09%) [4]
Total annual Fund operating expenses after fee waiver and/or expense reimbursement rr_NetExpensesOverAssets 0.54%
Expense Example, with Redemption, 1 Year rr_ExpenseExampleYear01 $ 55
Expense Example, with Redemption, 3 Years rr_ExpenseExampleYear03 193
Expense Example, with Redemption, 5 Years rr_ExpenseExampleYear05 342
Expense Example, with Redemption, 10 Years rr_ExpenseExampleYear10 $ 778
1 Year rr_AverageAnnualReturnYear01 (4.62%)
5 Years rr_AverageAnnualReturnYear05 3.43% [6]
Since Inception rr_AverageAnnualReturnSinceInception 5.57% [6]
Inception Date rr_AverageAnnualReturnInceptionDate Dec. 04, 2015
TIAA-CREF Lifestyle Conservative Fund | Premier Class  
Risk/Return: rr_RiskReturnAbstract  
Maximum sales charge imposed on purchases (percentage of offering price) rr_MaximumSalesChargeImposedOnPurchasesOverOfferingPrice none
Maximum deferred sales charge rr_MaximumDeferredSalesChargeOverOfferingPrice none
Maximum sales charge imposed on reinvested dividends and other distributions rr_MaximumSalesChargeOnReinvestedDividendsAndDistributionsOverOther none
Redemption or exchange fee rr_RedemptionFeeOverRedemption none
Account maintenance fee (annual fee on accounts under $2,000) rr_ShareholderFeeOther none
Management fees rr_ManagementFeesOverAssets 0.10%
Distribution (Rule 12b-1) fees rr_DistributionAndService12b1FeesOverAssets 0.15%
Other expenses rr_OtherExpensesOverAssets 0.10%
Acquired Fund fees and expenses rr_AcquiredFundFeesAndExpensesOverAssets 0.36% [3]
Total annual Fund operating expenses rr_ExpensesOverAssets 0.71%
Waivers and expense reimbursements rr_FeeWaiverOrReimbursementOverAssets (0.10%) [4]
Total annual Fund operating expenses after fee waiver and/or expense reimbursement rr_NetExpensesOverAssets 0.61%
Expense Example, with Redemption, 1 Year rr_ExpenseExampleYear01 $ 62
Expense Example, with Redemption, 3 Years rr_ExpenseExampleYear03 217
Expense Example, with Redemption, 5 Years rr_ExpenseExampleYear05 385
Expense Example, with Redemption, 10 Years rr_ExpenseExampleYear10 $ 873
1 Year rr_AverageAnnualReturnYear01 (4.63%)
5 Years rr_AverageAnnualReturnYear05 3.29%
Since Inception rr_AverageAnnualReturnSinceInception 5.43%
Inception Date rr_AverageAnnualReturnInceptionDate Dec. 09, 2011
TIAA-CREF Lifestyle Conservative Fund | Retirement Class  
Risk/Return: rr_RiskReturnAbstract  
Maximum sales charge imposed on purchases (percentage of offering price) rr_MaximumSalesChargeImposedOnPurchasesOverOfferingPrice none
Maximum deferred sales charge rr_MaximumDeferredSalesChargeOverOfferingPrice none
Maximum sales charge imposed on reinvested dividends and other distributions rr_MaximumSalesChargeOnReinvestedDividendsAndDistributionsOverOther none
Redemption or exchange fee rr_RedemptionFeeOverRedemption none
Account maintenance fee (annual fee on accounts under $2,000) rr_ShareholderFeeOther none
Management fees rr_ManagementFeesOverAssets 0.10%
Other expenses rr_OtherExpensesOverAssets 0.34%
Acquired Fund fees and expenses rr_AcquiredFundFeesAndExpensesOverAssets 0.36% [3]
Total annual Fund operating expenses rr_ExpensesOverAssets 0.80%
Waivers and expense reimbursements rr_FeeWaiverOrReimbursementOverAssets (0.09%) [4]
Total annual Fund operating expenses after fee waiver and/or expense reimbursement rr_NetExpensesOverAssets 0.71%
Expense Example, with Redemption, 1 Year rr_ExpenseExampleYear01 $ 73
Expense Example, with Redemption, 3 Years rr_ExpenseExampleYear03 246
Expense Example, with Redemption, 5 Years rr_ExpenseExampleYear05 435
Expense Example, with Redemption, 10 Years rr_ExpenseExampleYear10 $ 981
1 Year rr_AverageAnnualReturnYear01 (4.75%)
5 Years rr_AverageAnnualReturnYear05 3.20%
Since Inception rr_AverageAnnualReturnSinceInception 5.32%
Inception Date rr_AverageAnnualReturnInceptionDate Dec. 09, 2011
TIAA-CREF Lifestyle Conservative Fund | Retail Class  
Risk/Return: rr_RiskReturnAbstract  
Maximum sales charge imposed on purchases (percentage of offering price) rr_MaximumSalesChargeImposedOnPurchasesOverOfferingPrice none
Maximum deferred sales charge rr_MaximumDeferredSalesChargeOverOfferingPrice none
Maximum sales charge imposed on reinvested dividends and other distributions rr_MaximumSalesChargeOnReinvestedDividendsAndDistributionsOverOther none
Redemption or exchange fee rr_RedemptionFeeOverRedemption none
Account maintenance fee (annual fee on accounts under $2,000) rr_ShareholderFeeOther $ 15.00
Management fees rr_ManagementFeesOverAssets 0.10%
Distribution (Rule 12b-1) fees rr_DistributionAndService12b1FeesOverAssets 0.25%
Other expenses rr_OtherExpensesOverAssets 0.11%
Acquired Fund fees and expenses rr_AcquiredFundFeesAndExpensesOverAssets 0.36% [3]
Total annual Fund operating expenses rr_ExpensesOverAssets 0.82%
Waivers and expense reimbursements rr_FeeWaiverOrReimbursementOverAssets (0.09%) [4]
Total annual Fund operating expenses after fee waiver and/or expense reimbursement rr_NetExpensesOverAssets 0.73%
Expense Example, with Redemption, 1 Year rr_ExpenseExampleYear01 $ 75
Expense Example, with Redemption, 3 Years rr_ExpenseExampleYear03 253
Expense Example, with Redemption, 5 Years rr_ExpenseExampleYear05 446
Expense Example, with Redemption, 10 Years rr_ExpenseExampleYear10 $ 1,005
1 Year rr_AverageAnnualReturnYear01 (4.77%)
5 Years rr_AverageAnnualReturnYear05 3.18%
Since Inception rr_AverageAnnualReturnSinceInception 5.29%
Inception Date rr_AverageAnnualReturnInceptionDate Dec. 09, 2011
[1] Performance is calculated from the inception date of the Institutional Class.
[2] As of the close of business on December 31, 2018, the Lifestyle Conservative Fund Composite Index consisted of: 40.0% Bloomberg Barclays U.S. Aggregate Bond Index; 28.0% Russell 3000® Index; 20.0% Bloomberg Barclays U.S. 1-3 Year Government/Credit Bond Index; and 12.0% MSCI All Country World Index ex USA Investable Market Index. The Fund's composite benchmark, the components that make up a composite benchmark and the method of calculating a composite benchmark's performance may vary over time.
[3] "Acquired Fund fees and expenses" are the Fund's proportionate amount of the expenses of any investment companies or pools in which it invests. These expenses are not paid directly by Fund shareholders. Instead, Fund shareholders bear these expenses indirectly because they reduce Fund performance. Because "Acquired Fund fees and expenses" are included in the chart above, the Fund's operating expenses here will not correlate with the expenses included in the Financial highlights in this Prospectus and the Fund's annual report.
[4] Under the Fund's expense reimbursement arrangements, the Fund's investment adviser, Teachers Advisors, LLC ("Advisors"), has contractually agreed to reimburse the Fund for any Total annual Fund operating expenses (excluding interest, taxes, brokerage commissions or other transactional expenses, Acquired Fund fees and expenses and extraordinary expenses) that exceed: (i) 0.10% of average daily net assets for Institutional Class shares; (ii) 0.25% of average daily net assets for Advisor Class shares; (iii) 0.25% of average daily net assets for Premier Class shares; (iv) 0.35% of average daily net assets for Retirement Class shares; and (v) 0.49% of average daily net assets for Retail Class shares of the Fund. These expense reimbursement arrangements will continue through at least September 30, 2020, unless changed with approval of the Board of Trustees.
[5] Restated to reflect estimate for the current fiscal year.
[6] The performance shown for the Advisor Class that is prior to its inception date is based on performance of the Fund's Institutional Class. The performance for these periods has not been restated to reflect higher expenses of the Advisor Class. If those expenses had been reflected, the performance would have been lower.
XML 56 R9.htm IDEA: XBRL DOCUMENT v3.19.3
TIAA-CREF Lifecycle 2010 Fund
TIAA-CREF Lifecycle 2010 Fund
Investment objective

The Lifecycle 2010 Fund seeks high total return over time through a combination of capital appreciation and income.

Fees and expenses

This table describes the fees and expenses that you may pay if you buy and hold shares of the Fund. In addition to the fees and expenses described below, investors may be required to pay a commission to a broker-dealer or other financial intermediary on purchases and sales of Institutional Class or Advisor Class shares of the Fund.

SHAREHOLDER FEES (fees paid directly from your investment)
Shareholder Fees - TIAA-CREF Lifecycle 2010 Fund
Institutional Class
Advisor Class
Premier Class
Retirement Class
Maximum sales charge imposed on purchases (percentage of offering price) none none none none
Maximum deferred sales charge none none none none
Maximum sales charge imposed on reinvested dividends and other distributions none none none none
Redemption or exchange fee none none none none
Maximum account fee none none none none
ANNUAL FUND OPERATING EXPENSES (expenses that you pay each year as a percentage of the value of your investment)
Annual Fund Operating Expenses - TIAA-CREF Lifecycle 2010 Fund
Institutional Class
Advisor Class
Premier Class
Retirement Class
Management fees [1],[2] 0.42% 0.42% 0.42% 0.42%
Distribution (Rule 12b-1) fees     0.15%  
Other expenses [1],[2] 0.05% 0.13% 0.05% 0.30%
Acquired Fund fees and expenses [3] 0.03% 0.03% 0.03% 0.03%
Total annual Fund operating expenses 0.50% 0.58% 0.65% 0.75%
Waivers and expense reimbursements [4],[5] (0.13%) (0.13%) (0.13%) (0.13%)
Total annual Fund operating expenses after fee waiver and/or expense reimbursement 0.37% 0.45% 0.52% 0.62%
[1] Portions of the Management fees and Other expenses are based on expenses originally incurred by Class W shares of the Underlying Funds (as defined below) of the Trust, which have been incurred directly by the Fund pursuant to certain contractual arrangements intended to reallocate directly to the Fund certain fees and expenses that had been paid by the Underlying Funds of the Trust. For additional information, please see the "Management of the Funds" section of this Prospectus.
[2] Restated to reflect estimates for the current fiscal year.
[3] "Acquired Fund fees and expenses" are the Fund's proportionate amount of the expenses of any investment companies or pools in which it invests (excluding expenses originally incurred by Class W of the Underlying Funds of the Trust that have been incurred directly by the Fund, which are instead reflected in Management fees and Other expenses). These expenses are not paid directly by Fund shareholders. Instead, Fund shareholders bear these expenses indirectly because they reduce Fund performance. Because "Acquired Fund fees and expenses" are included in the chart above, the Fund's operating expenses here will not correlate with the expenses included in the Financial highlights in this Prospectus and the Fund's annual report.
[4] Advisors has contractually agreed to waive 0.10% of the Fund's Management fee. This waiver will remain in effect through September 30, 2022, unless changed with the approval of the Board of Trustees.
[5] Under the Fund's expense reimbursement arrangements, the Fund's investment adviser, Teachers Advisors, LLC ("Advisors"), has contractually agreed to reimburse the Fund for any Total annual Fund operating expenses (excluding interest, taxes, brokerage commissions or other transactional expenses, Acquired Fund fees and expenses, extraordinary expenses and any expenses originally attributable to Class W shares of the Underlying Funds of the Trust that were incurred directly by the Fund) that exceed: (i) 0.00% of average daily net assets for Institutional Class shares; (ii) 0.15% of average daily net assets for Advisor Class shares; (iii) 0.15% of average daily net assets for Premier Class shares; and (iv) 0.25% of average daily net assets for Retirement Class shares of the Fund. These expense reimbursement arrangements will continue through at least September 30, 2020, unless changed with approval of the Board of Trustees.
Example

This example is intended to help you compare the cost of investing in shares of the Fund with the cost of investing in other mutual funds. The example assumes that you invest $10,000 in the Fund for the time periods indicated and then redeem all your shares at the end of those periods. The example also assumes that your investment has a 5% return each year and that the Fund’s operating expenses, before fee waivers and/or expense reimbursements, remain the same. The example assumes that the Fund’s fee waiver and/or expense reimbursement arrangements will each remain in place for the durations noted in the table above. Although your actual costs may be higher or lower, based on these assumptions your costs would be:

Expense Example - TIAA-CREF Lifecycle 2010 Fund - USD ($)
Institutional Class
Advisor Class
Premier Class
Retirement Class
1 year $ 38 $ 46 $ 53 $ 63
3 years 125 151 173 205
5 years 245 289 328 383
10 years $ 595 $ 693 $ 778 $ 898
Portfolio turnover

The Fund pays transaction costs, such as commissions, when it buys and sells securities (or “turns over” its portfolio). A higher portfolio turnover rate may indicate higher transaction costs and may result in higher taxes when Fund shares are held in a taxable account. These costs, which are not reflected in annual fund operating expenses or in the example, affect the Fund’s performance. During the fiscal year ended May 31, 2019, the Fund’s portfolio turnover rate was 22% of the average value of its portfolio.

Principal investment strategies

The Fund is a “fund of funds” that invests in Class W shares of other funds of the Trust and in other investment pools or investment products, potentially including other funds advised by the Fund’s investment adviser, Teachers Advisors, LLC (“Advisors”), or its affiliates (collectively, the “Underlying Funds”). In general, the Fund is designed for investors who have an approximate target retirement year in mind, and the Fund’s investments are adjusted from more aggressive to more conservative over time as the Fund’s target retirement year approaches and for approximately 30 years afterwards. The Fund invests in Underlying Funds according to an asset allocation strategy designed for investors who retired in, or planned to retire within a few years of, 2010 and may have begun taking systematic withdrawals upon retirement.


Advisors currently expects to allocate approximately 35.00% of the Fund’s assets to equity Underlying Funds, 60.00% of its assets to fixed-income Underlying Funds and 5.00% of its assets to direct real estate Underlying Funds. These allocations represent targets for equity, fixed-income and direct real estate asset classes. Target allocations will change over time and actual allocations may vary up to ten percentage points from the targets. The target allocations along the investment glidepath, illustrated in the chart below, gradually become more conservative. The Fund had target allocations of approximately 50.00% equity/50.00% fixed-income in the Fund’s target retirement year of 2010 (the direct real estate asset class was added in 2017) and will reach the Fund’s final target allocation of approximately 20.00% equity/80.00% fixed-income/0.00% direct real estate in 2040. Within the equity, fixed-income and direct real estate asset classes, Advisors allocates the Fund’s investments to particular market sectors (U.S. equity, international equity, fixed-income, short-term fixed-income, inflation-protected assets and direct real estate) represented by various Underlying Funds. These market sector allocations may vary by up to 10% from the Fund’s target market sector allocations. The Fund’s current target market sector allocations for June 30, 2020, which will change over time, are approximately as follows: U.S. Equity: 24.50%; International Equity: 10.50%; Fixed-Income: 40.00%; Short-Term Fixed-Income: 10.00%; Inflation-Protected Assets: 10.00%; and Direct Real Estate: 5.00%. The asset class and market sector names used herein are intended to reflect the primary type of investment of the Underlying Funds within each of these categories.


The Fund’s target market sector allocations to Underlying Funds may include the TIAA-CREF Growth & Income Fund, Large-Cap Growth Fund, Large-Cap Value Fund, Quant Large-Cap Growth Fund, Quant Large-Cap Value Fund, Quant Small-Cap Equity Fund and Quant Small/Mid-Cap Equity Fund (U.S. Equity); Emerging Markets Equity Fund, International Equity Fund, International Opportunities Fund, Quant International Equity Fund and Quant International Small-Cap Equity Fund (International Equity); Bond Fund, Bond Plus Fund, Emerging Markets Debt Fund, High-Yield Fund and International Bond Fund (Fixed-Income); Money Market Fund and Short-Term Bond Fund (Short-Term Fixed-Income); Inflation-Linked Bond Fund (Inflation-Protected Assets); and Real Property Fund LP (Direct Real Estate). TIAA-CREF Real Property Fund LP is a private fund, which is not available for investment by the general public; it is currently offered exclusively to investment pools or investment products managed by Advisors or its affiliates.


Additional or replacement Underlying Funds for each market sector, as well as additional or replacement market sectors, may be included when making future allocations if Advisors believes that such Underlying Funds and/or market sectors are appropriate in light of the Fund’s desired levels of risk and potential return at the particular time. The Fund’s portfolio management team may also add a new market sector if it believes that will help to achieve the Fund’s investment objective. The relative allocations among Underlying Funds within a market sector may be changed at any time without notice to shareholders, and the portfolio management team may use tactical allocation to take advantage of short to intermediate term opportunities through a combination of positions in Underlying Funds. If 10% or more of the Fund’s assets are expected to be invested in any Underlying Fund or market sector not listed above, shareholders will receive prior notice of such change.


The Fund’s asset class allocations, market sector allocations within each asset class, and Underlying Fund allocations within each market sector, as of June 30, 2019, are listed in the chart below. These allocations will change over time. Underlying Fund allocations in particular may change from year to year.


        

Asset Class

Allocation

  

Market Sector

Allocation

 

Underlying Funds

Allocation

Equity

37.05%

 

U.S. Equity

25.99%

 

Ÿ Growth & Income Fund

5.44%

      

Ÿ Large-Cap Growth Fund

4.93%

      

Ÿ Large-Cap Value Fund

4.77%

      

Ÿ Quant Large-Cap Growth Fund

4.29%

      

Ÿ Quant Large-Cap Value Fund

4.18%

      

Ÿ Quant Small-Cap Equity Fund

1.33%

      

Ÿ Quant Small/Mid-Cap Equity Fund

1.05%

   

International Equity

11.06%

 

Ÿ Quant International Equity Fund

2.89%

      

Ÿ International Equity Fund

2.40%

      

Ÿ International Opportunities Fund

2.40%

      

Ÿ Emerging Markets Equity Fund

1.90%

      

Ÿ Quant International Small-Cap Equity Fund

1.47%

Fixed-Income

58.27%

 

Fixed-Income

38.38%

 

Ÿ Bond Fund

19.68%

      

Ÿ Bond Plus Fund

12.82%

      

Ÿ Emerging Markets Debt Fund

2.12%

      

Ÿ International Bond Fund

2.05%

      

Ÿ High-Yield Fund

1.71%

   

Short-Term
Fixed-Income

10.43%

 

Ÿ Short-Term Bond Fund

10.43%

   

Inflation-
Protected Assets

9.46%

 

Ÿ Inflation-Linked Bond Fund

9.46%

Real Estate

4.68%

 

Direct Real Estate

4.68%

 

Ÿ TIAA-CREF Real Property Fund LP

4.68%


        

Total

100.00%

  

100.00%

  

100.00%


The following chart shows how the investment glidepath for the Fund is expected to gradually move the Fund’s target allocations over time between the different target market sector allocations. The actual market sector allocations of the Fund may differ from this chart. The Fund seeks to achieve its final target market sector allocations approximately 30 years following the target date.


Lifecycle Funds Glidepath as of June 30, 2020
Years to Target Retirement Date US Equities International Equities Direct Real Estate Fixed Income Short Term Fixed Income Inflation Protected Bonds
45 66.50% 28.50% 5.00% 0.00% 0.00% 0.00%
40 65.62% 28.13% 5.00% 1.25% 0.00% 0.00%
35 64.75% 27.75% 5.00% 2.50% 0.00% 0.00%
30 63.87% 27.38% 5.00% 3.75% 0.00% 0.00%
25 63.00% 27.00% 5.00% 5.00% 0.00% 0.00%
20 56.70% 24.30% 5.00% 14.00% 0.00% 0.00%
15 50.40% 21.60% 5.00% 23.00% 0.00% 0.00%
10 44.10% 18.90% 5.00% 28.00% 2.00% 2.00%
5 37.80% 16.20% 5.00% 33.00% 4.00% 4.00%
0 31.50% 13.50% 5.00% 38.00% 6.00% 6.00%
-5 28.00% 12.00% 5.00% 39.00% 8.00% 8.00%
-10 24.50% 10.50% 5.00% 40.00% 10.00% 10.00%
-15 22.75% 9.75% 2.50% 40.00% 15.00% 10.00%
-20 21.00% 9.00% 0.00% 40.00% 20.00% 10.00%
-25 17.50% 7.50% 0.00% 40.00% 25.00% 10.00%
-30 14.00% 6.00% 0.00% 40.00% 30.00% 10.00%

The Fund is designed to accommodate investors who invest in a fund up to their target retirement date, and plan to make gradual systematic withdrawals in retirement. In addition, investors should note that the Fund will continue to have a significant level of equity exposure up to, through and after its target retirement date, and this exposure could cause significant fluctuations in the value of the Fund depending on the performance of the equity markets generally.


After the Fund reaches its final target allocation, the Board of Trustees may authorize the merger of the Fund into another Lifecycle Fund which has also reached its final target allocation or other similar fund designed to maintain a relatively stable asset allocation reflecting the resting point on the glidepath described in the chart above. Fund shareholders will receive prior notice of any such merger.

Principal investment risks

You could lose money over short or long periods by investing in this Fund. An investment in the Fund, due to the nature of the Fund’s portfolio holdings, typically is subject to the following principal investment risks:


· Asset Allocation Risk—The risk that the Fund may not achieve its target allocations. In addition, there is the risk that the asset allocations may not achieve the desired risk-return characteristic or that the selection of Underlying Funds and the allocations among them will result in the Fund underperforming other similar funds or cause an investor to lose money.


· Underlying Funds Risks—The Fund is exposed to the risks of the Underlying Funds in which it invests in direct proportion to the amount of assets the Fund allocates to each Underlying Fund.


· Equity Underlying Funds Risks—The risks of investing in equity Underlying Funds include risks specific to their investment strategies, as well as risks related to the equity markets in general, such as:


· market risk—The risk that the price of equity investments may decline in response to general market and economic conditions or events, including conditions and developments outside of the financial markets;


· issuer risk—The risk that an issuer’s earnings prospects and overall financial position will deteriorate, causing a decline in the value of the issuer’s financial instruments over short or extended periods of time; and


· foreign investment risk—The increased risks of adverse issuer, political, regulatory, currency, market or economic developments compared to investments in U.S. issuers, which can result in greater market and price volatility.


· Fixed-Income Underlying Funds Risks—The risks of investing in fixed-income Underlying Funds include risks specific to their investment strategies, as well as risks related to the fixed-income markets in general, such as:


· interest rate risk—The risk that the value or yield of fixed-income investments may decline if interest rates change, which could adversely affect a Fund’s income or the value of its holdings;


· extension risk—The risk that during periods of rising interest rates, borrowers may pay off their mortgage loans later than expected, preventing a Fund from reinvesting principal proceeds at higher interest rates and resulting in less income than potentially available;


· issuer risk—The risk that an issuer’s earnings prospects and overall financial position will deteriorate, causing a decline in the value of the issuer’s financial instruments over short or extended periods of time;


· credit risk—The risk that a decline in an issuer’s financial position may prevent it from making principal and interest payments on fixed-income investments held by a Fund when due;


· credit spread risk—The risk that credit spreads (i.e., the difference in yield between securities that is due to differences in each security’s respective credit quality) may increase when market participants believe that bonds generally have a greater risk of default, which could result in a decline in the market values of a Fund’s debt securities;


· income volatility risk—The risk that the level of current income from a Fund’s portfolio of fixed-income securities may decline due to rapid and unpredictable changes in prevailing market interest rates; and


· call risk—The risk that, during periods of falling interest rates, an issuer may call (or repay) a fixed-income security prior to maturity, resulting in a decline in a Fund’s income.


· Direct Real Estate Underlying Funds Risks—The risks of investing in direct real estate Underlying Funds include risks specific to their investment strategies, as well as risks related to investing in real estate in general, such as:


· real estate-related investment risk—The risks associated with exposure to direct real estate through investing in investment vehicles managed by Advisors that will primarily invest directly in real estate, which can include declines in real estate values or revenues, uninsured losses at properties, the absence of regulatory oversight of and a secondary market for interests in direct real estate Underlying Funds, a scarcity of interests issued by direct real estate Underlying Funds, making it difficult for the Fund to achieve its target allocation, and illiquidity of interests in direct real estate Underlying Funds.


· Active Management Risk—The risk that the strategy, investment selection or trading execution of Advisors could cause the Fund or an Underlying Fund to underperform its benchmark index or mutual funds with similar investment objectives.


· Fund of Funds Risk—The ability of the Fund to achieve its investment objective will depend in part upon the ability of the Underlying Funds to achieve their investment objectives. There can be no guarantee that any Underlying Fund will achieve its investment objective.


There can be no assurances that the Fund will achieve its investment objective. You should not consider the Fund to be a complete investment program. Please see the non-summary portion of the Prospectus for more detailed information about the risks described above, including the risks of the Underlying Funds.

Past performance

The following chart and table help illustrate some of the risks of investing in the Fund by showing changes in the Fund’s performance from year to year. The bar chart shows the annual total returns of the Retirement Class of the Fund, before taxes, in each full calendar year for the last ten years. Because the expenses vary across share classes, the performance of the Retirement Class may vary from the other share classes. Below the bar chart are the best and worst returns of the Retirement Class for a calendar quarter during the full calendar-year periods covered by the bar chart. The performance table following the bar chart shows the Fund’s average annual total returns for the Retirement, Institutional, Advisor and Premier classes over the applicable one-year, five-year, ten-year and since-inception periods ended December 31, 2018, and how those returns compare to those of a broad-based securities market index and a composite index that represents the market sectors in which the Fund invests across the equity and fixed-income asset classes. After-tax performance is shown only for the Retirement Class shares, and after-tax returns for the other classes of shares will vary from the after-tax returns presented for Retirement Class shares.


The returns shown below reflect previous agreements by Advisors to waive or reimburse the Fund and certain Underlying Funds for certain fees and expenses. Without these waivers and reimbursements, the returns of the Fund would have been lower. Past performance of the Fund (before and after taxes) is not necessarily an indication of how it will perform in the future. The indices listed below are unmanaged, and you cannot invest directly in an index. The returns for the indices reflect no deduction for fees, expenses or taxes.


For current performance information of each share class, including performance to the most recent month-end, please visit www.tiaa.org.

ANNUAL TOTAL RETURNS FOR THE RETIREMENT CLASS SHARES (%)† Lifecycle 2010 Fund
Bar Chart

 The year-to-date return as of the most recent calendar quarter, which ended on June 30, 2019, was 10.08%.

Best quarter: 10.87%, for the quarter ended June 30, 2009. Worst quarter: -7.99%, for the quarter ended September 30, 2011.

AVERAGE ANNUAL TOTAL RETURNS For the Periods Ended December 31, 2018
Average Annual Returns - TIAA-CREF Lifecycle 2010 Fund
1 Year
5 Years
10 Years
Inception Date
Retirement Class (4.11%) 3.59% 7.30% Oct. 15, 2004
Institutional Class (3.92%) 3.85% 7.56% Jan. 17, 2007
Advisor Class (3.94%) 3.73% [1] 7.37% [1] Dec. 04, 2015
Premier Class (4.09%) 3.68% 7.39% [1] Sep. 30, 2009
After Taxes on Distributions | Retirement Class (5.61%) 2.22% 6.16%  
After Taxes on Distributions and Sale of Fund Shares | Retirement Class (1.86%) 2.39% 5.53%  
S&P Target Date 2010 Index (3.10%) 3.40% 6.24%  
Lifecycle 2010 Fund Composite Index (reflects no deductions for fees, expenses or taxes) [2] (3.05%) 3.90% 7.19%  
[1] The performance shown for the Advisor and Premier classes that is prior to their inception dates is based on performance of the Fund's Retirement Class. The performance for these periods has not been restated to reflect the lower expenses of the Advisor and Premier classes.
[2] As of the close of business on December 31, 2018, the Lifecycle 2010 Fund Composite Index consisted of: 39.7% Bloomberg Barclays U.S. Aggregate Bond Index; 29.0% Russell 3000® Index; 12.5% MSCI All Country World Index ex USA Investable Market Index; 9.4% Bloomberg Barclays U.S. 1-3 Year Government/Credit Bond Index; and 9.4% Bloomberg Barclays U.S. Treasury Inflation Protected Securities (TIPS) 1-10 Year Index. The Fund's composite benchmark, the components that make up a composite benchmark and the method of calculating a composite benchmark's performance may vary over time.

Current performance of the Fund’s shares may be higher or lower than that shown above.


After-tax returns are calculated using the historical highest individual federal marginal income tax rates in effect during the periods shown and do not reflect the impact of state and local taxes. Actual after-tax returns depend on the investor’s tax situation and may differ from those shown. The after-tax returns shown are not relevant to investors who hold their Fund shares through tax-deferred arrangements such as 401(a), 401(k) or 403(b) plans or Individual Retirement Accounts (IRAs). After-tax returns are shown for only one class, and after-tax returns for other classes will vary.

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TIAA-CREF Lifecycle 2030 Fund
TIAA-CREF Lifecycle 2030 Fund
Investment objective

The Lifecycle 2030 Fund seeks high total return over time through a combination of capital appreciation and income.

Fees and expenses

This table describes the fees and expenses that you may pay if you buy and hold shares of the Fund. In addition to the fees and expenses described below, investors may be required to pay a commission to a broker-dealer or other financial intermediary on purchases and sales of Institutional Class or Advisor Class shares of the Fund.

SHAREHOLDER FEES (fees paid directly from your investment)
Shareholder Fees - TIAA-CREF Lifecycle 2030 Fund
Institutional Class
Advisor Class
Premier Class
Retirement Class
Maximum sales charge imposed on purchases (percentage of offering price) none none none none
Maximum deferred sales charge none none none none
Maximum sales charge imposed on reinvested dividends and other distributions none none none none
Redemption or exchange fee none none none none
Maximum account fee none none none none
ANNUAL FUND OPERATING EXPENSES (expenses that you pay each year as a percentage of the value of your investment)
Annual Fund Operating Expenses - TIAA-CREF Lifecycle 2030 Fund
Institutional Class
Advisor Class
Premier Class
Retirement Class
Management fees [1],[2] 0.47% 0.47% 0.47% 0.47%
Distribution (Rule 12b-1) fees     0.15%  
Other expenses [1],[2] 0.03% 0.11% 0.03% 0.28%
Acquired Fund fees and expenses [3] 0.03% 0.03% 0.03% 0.03%
Total annual Fund operating expenses 0.53% 0.61% 0.68% 0.78%
Waivers and expense reimbursements [4],[5] (0.11%) (0.11%) (0.11%) (0.11%)
Total annual Fund operating expenses after fee waiver and/or expense reimbursement 0.42% 0.50% 0.57% 0.67%
[1] Portions of the Management fees and Other expenses are based on expenses originally incurred by Class W shares of the Underlying Funds (as defined below) of the Trust, which have been incurred directly by the Fund pursuant to certain contractual arrangements intended to reallocate directly to the Fund certain fees and expenses that had been paid by the Underlying Funds of the Trust. For additional information, please see the "Management of the Funds" section of this Prospectus.
[2] Restated to reflect estimates for the current fiscal year.
[3] "Acquired Fund fees and expenses" are the Fund's proportionate amount of the expenses of any investment companies or pools in which it invests (excluding expenses originally incurred by Class W of the Underlying Funds of the Trust that have been incurred directly by the Fund, which are instead reflected in Management fees and Other expenses). These expenses are not paid directly by Fund shareholders. Instead, Fund shareholders bear these expenses indirectly because they reduce Fund performance. Because "Acquired Fund fees and expenses" are included in the chart above, the Fund's operating expenses here will not correlate with the expenses included in the Financial highlights in this Prospectus and the Fund's annual report.
[4] Advisors has contractually agreed to waive 0.10% of the Fund's Management fee. This waiver will remain in effect through September 30, 2022, unless changed with the approval of the Board of Trustees.
[5] Under the Fund's expense reimbursement arrangements, the Fund's investment adviser, Teachers Advisors, LLC ("Advisors"), has contractually agreed to reimburse the Fund for any Total annual Fund operating expenses (excluding interest, taxes, brokerage commissions or other transactional expenses, Acquired Fund fees and expenses, extraordinary expenses and any expenses originally attributable to Class W shares of the Underlying Funds of the Trust that were incurred directly by the Fund) that exceed: (i) 0.00% of average daily net assets for Institutional Class shares; (ii) 0.15% of average daily net assets for Advisor Class shares; (iii) 0.15% of average daily net assets for Premier Class shares; and (iv) 0.25% of average daily net assets for Retirement Class shares of the Fund. These expense reimbursement arrangements will continue through at least September 30, 2020, unless changed with approval of the Board of Trustees.
Example

This example is intended to help you compare the cost of investing in shares of the Fund with the cost of investing in other mutual funds. The example assumes that you invest $10,000 in the Fund for the time periods indicated and then redeem all your shares at the end of those periods. The example also assumes that your investment has a 5% return each year and that the Fund’s operating expenses, before fee waivers and/or expense reimbursements, remain the same. The example assumes that the Fund’s fee waiver and/or expense reimbursement arrangements will each remain in place for the durations noted in the table above. Although your actual costs may be higher or lower, based on these assumptions your costs would be:

Expense Example - TIAA-CREF Lifecycle 2030 Fund - USD ($)
Institutional Class
Advisor Class
Premier Class
Retirement Class
1 year $ 43 $ 51 $ 58 $ 68
3 years 137 163 185 217
5 years 264 308 346 401
10 years $ 634 $ 731 $ 816 $ 936
Portfolio turnover

The Fund pays transaction costs, such as commissions, when it buys and sells securities (or “turns over” its portfolio). A higher portfolio turnover rate may indicate higher transaction costs and may result in higher taxes when Fund shares are held in a taxable account. These costs, which are not reflected in annual fund operating expenses or in the example, affect the Fund’s performance. During the fiscal year ended May 31, 2019, the Fund’s portfolio turnover rate was 20% of the average value of its portfolio.

Principal investment strategies

The Fund is a “fund of funds” that invests in Class W shares of other funds of the Trust and in other investment pools or investment products, potentially including other funds advised by the Fund’s investment adviser, Teachers Advisors, LLC (“Advisors”), or its affiliates (collectively, the “Underlying Funds”). In general, the Fund is designed for investors who have an approximate target retirement year in mind, and the Fund’s investments are adjusted from more aggressive to more conservative over time as the Fund’s target retirement year approaches and for approximately 30 years afterwards. The Fund invests in Underlying Funds according to an asset allocation strategy designed for investors retiring in, or planning to retire within a few years of, 2030 and who may begin taking systematic withdrawals upon retirement.


Advisors currently expects to allocate approximately 63.00% of the Fund’s assets to equity Underlying Funds, 32.00% of its assets to fixed-income Underlying Funds and 5.00% of its assets to direct real estate Underlying Funds. These allocations represent targets for equity, fixed-income and direct real estate asset classes. Target allocations will change over time and actual allocations may vary up to ten percentage points from the targets. The target allocations along the investment glidepath, illustrated in the chart below, gradually become more conservative, moving to target allocations of approximately 45.00% equity/50.00% fixed-income/5.00% direct real estate in the Fund’s target retirement year of 2030 and reaching the Fund’s final target allocation of approximately 20.00% equity/80.00% fixed-income/0.00% direct real estate in 2060. Within the equity, fixed-income and direct real estate asset classes, Advisors allocates the Fund’s investments to particular market sectors (U.S. equity, international equity, fixed-income, short-term fixed-income, inflation-protected assets and direct real estate) represented by various Underlying Funds. These market sector allocations may vary by up to 10% from the Fund’s target market sector allocations. The Fund’s current target market sector allocations for June 30, 2020, which will change over time, are approximately as follows: U.S. Equity: 44.10%; International Equity: 18.90%; Fixed-Income: 28.00%; Short-Term Fixed-Income: 2.00%; Inflation-Protected Assets 2.00%; and Direct Real Estate: 5.00%. The asset class and market sector names used herein are intended to reflect the primary type of investment of the Underlying Funds within each of these categories.


The Fund’s target market sector allocations to Underlying Funds may include the TIAA-CREF Growth & Income Fund, Large-Cap Growth Fund, Large-Cap Value Fund, Quant Large-Cap Growth Fund, Quant Large-Cap Value Fund, Quant Small-Cap Equity Fund and Quant Small/Mid-Cap Equity Fund (U.S. Equity); Emerging Markets Equity Fund, International Equity Fund, International Opportunities Fund, Quant International Equity Fund and Quant International Small-Cap Equity Fund (International Equity); Bond Fund, Bond Plus Fund, Emerging Markets Debt Fund, High-Yield Fund and International Bond Fund (Fixed-Income); Money Market Fund and Short-Term Bond Fund (Short-Term Fixed-Income); Inflation-Linked Bond Fund (Inflation-Protected Assets); and Real Property Fund LP (Direct Real Estate). TIAA-CREF Real Property Fund LP is a private fund, which is not available for investment by the general public; it is currently offered exclusively to investment pools or investment products managed by Advisors or its affiliates.


Additional or replacement Underlying Funds for each market sector, as well as additional or replacement market sectors, may be included when making future allocations if Advisors believes that such Underlying Funds and/or market sectors are appropriate in light of the Fund’s desired levels of risk and potential return at the particular time. The Fund’s portfolio management team may also add a new market sector if it believes that will help to achieve the Fund’s investment objective. The relative allocations among Underlying Funds within a market sector may be changed at any time without notice to shareholders, and the portfolio management team may use tactical allocation to take advantage of short to intermediate term opportunities through a combination of positions in Underlying Funds. If 10% or more of the Fund’s assets are expected to be invested in any Underlying Fund or market sector not listed above, shareholders will receive prior notice of such change.


The Fund’s asset class allocations, market sector allocations within each asset class, and Underlying Fund allocations within each market sector, as of June 30, 2019, are listed in the chart below. These allocations will change over time. Underlying Fund allocations in particular may change from year to year.


        

Asset Class

Allocation

  

Market Sector

Allocation

 

Underlying Funds

Allocation

Equity

65.62%

 

U.S. Equity

46.03%

 

Ÿ Growth & Income Fund

9.64%

      

Ÿ Large-Cap Growth Fund

8.73%

      

Ÿ Large-Cap Value Fund

8.44%

      

Ÿ Quant Large-Cap Growth Fund

7.61%

      

Ÿ Quant Large-Cap Value Fund

7.40%

      

Ÿ Quant Small-Cap Equity Fund

2.36%

      

Ÿ Quant Small/Mid-Cap Equity Fund

1.85%

   

International Equity

19.59%

 

Ÿ Quant International Equity Fund

5.11%

      

Ÿ International Equity Fund

4.26%

      

Ÿ International Opportunities Fund

4.25%

      

Ÿ Emerging Markets Equity Fund

3.36%

      

Ÿ Quant International Small-Cap Equity Fund

2.61%

Fixed-Income

29.73%

 

Fixed-Income

25.63%

 

Ÿ Bond Fund

12.98%

      

Ÿ Bond Plus Fund

8.67%

      

Ÿ Emerging Markets Debt Fund

1.51%

      

Ÿ International Bond Fund

1.39%

      

Ÿ High-Yield Fund

1.08%

   

Short-Term
Fixed-Income

2.54%

 

Ÿ Short-Term Bond Fund

2.54%

   

Inflation-
Protected Assets

1.56%

 

Ÿ Inflation-Linked Bond Fund

1.56%

Real Estate

4.65%

 

Direct Real Estate

4.65%

 

Ÿ TIAA-CREF Real Property Fund LP

4.65%


        

Total

100.00%

  

100.00%

  

100.00%


The following chart shows how the investment glidepath for the Fund is expected to gradually move the Fund’s target allocations over time between the different target market sector allocations. The actual market sector allocations of the Fund may differ from this chart. The Fund seeks to achieve its final target market sector allocations approximately 30 years following the target date.


Lifecycle Funds Glidepath as of June 30, 2020
Years to Target Retirement Date US Equities International Equities Direct Real Estate Fixed Income Short Term Fixed Income Inflation Protected Bonds
45 66.50% 28.50% 5.00% 0.00% 0.00% 0.00%
40 65.62% 28.13% 5.00% 1.25% 0.00% 0.00%
35 64.75% 27.75% 5.00% 2.50% 0.00% 0.00%
30 63.87% 27.38% 5.00% 3.75% 0.00% 0.00%
25 63.00% 27.00% 5.00% 5.00% 0.00% 0.00%
20 56.70% 24.30% 5.00% 14.00% 0.00% 0.00%
15 50.40% 21.60% 5.00% 23.00% 0.00% 0.00%
10 44.10% 18.90% 5.00% 28.00% 2.00% 2.00%
5 37.80% 16.20% 5.00% 33.00% 4.00% 4.00%
0 31.50% 13.50% 5.00% 38.00% 6.00% 6.00%
-5 28.00% 12.00% 5.00% 39.00% 8.00% 8.00%
-10 24.50% 10.50% 5.00% 40.00% 10.00% 10.00%
-15 22.75% 9.75% 2.50% 40.00% 15.00% 10.00%
-20 21.00% 9.00% 0.00% 40.00% 20.00% 10.00%
-25 17.50% 7.50% 0.00% 40.00% 25.00% 10.00%
-30 14.00% 6.00% 0.00% 40.00% 30.00% 10.00%

The Fund is designed to accommodate investors who invest in a fund up to their target retirement date, and plan to make gradual systematic withdrawals in retirement. In addition, investors should note that the Fund will continue to have a significant level of equity exposure up to, through and after its target retirement date, and this exposure could cause significant fluctuations in the value of the Fund depending on the performance of the equity markets generally.


After the Fund reaches its final target allocation, the Board of Trustees may authorize the merger of the Fund into another Lifecycle Fund which has also reached its final target allocation or other similar fund designed to maintain a relatively stable asset allocation reflecting the resting point on the glidepath described in the chart above. Fund shareholders will receive prior notice of any such merger.

Principal investment risks

You could lose money over short or long periods by investing in this Fund. An investment in the Fund, due to the nature of the Fund’s portfolio holdings, typically is subject to the following principal investment risks:


· Asset Allocation Risk—The risk that the Fund may not achieve its target allocations. In addition, there is the risk that the asset allocations may not achieve the desired risk-return characteristic or that the selection of Underlying Funds and the allocations among them will result in the Fund underperforming other similar funds or cause an investor to lose money.


· Underlying Funds Risks—The Fund is exposed to the risks of the Underlying Funds in which it invests in direct proportion to the amount of assets the Fund allocates to each Underlying Fund.


· Equity Underlying Funds Risks—The risks of investing in equity Underlying Funds include risks specific to their investment strategies, as well as risks related to the equity markets in general, such as:


· market risk—The risk that the price of equity investments may decline in response to general market and economic conditions or events, including conditions and developments outside of the financial markets;


· issuer risk—The risk that an issuer’s earnings prospects and overall financial position will deteriorate, causing a decline in the value of the issuer’s financial instruments over short or extended periods of time; and


· foreign investment risk—The increased risks of adverse issuer, political, regulatory, currency, market or economic developments compared to investments in U.S. issuers, which can result in greater market and price volatility.


· Fixed-Income Underlying Funds Risks—The risks of investing in fixed-income Underlying Funds include risks specific to their investment strategies, as well as risks related to the fixed-income markets in general, such as:


· interest rate risk—The risk that the value or yield of fixed-income investments may decline if interest rates change, which could adversely affect a Fund’s income or the value of its holdings;


· extension risk—The risk that during periods of rising interest rates, borrowers may pay off their mortgage loans later than expected, preventing a Fund from reinvesting principal proceeds at higher interest rates and resulting in less income than potentially available;


· issuer risk—The risk that an issuer’s earnings prospects and overall financial position will deteriorate, causing a decline in the value of the issuer’s financial instruments over short or extended periods of time;


· credit risk—The risk that a decline in an issuer’s financial position may prevent it from making principal and interest payments on fixed-income investments held by a Fund when due;


· credit spread risk—The risk that credit spreads (i.e., the difference in yield between securities that is due to differences in each security’s respective credit quality) may increase when market participants believe that bonds generally have a greater risk of default, which could result in a decline in the market values of a Fund’s debt securities;


· income volatility risk—The risk that the level of current income from a Fund’s portfolio of fixed-income securities may decline due to rapid and unpredictable changes in prevailing market interest rates; and


· call risk—The risk that, during periods of falling interest rates, an issuer may call (or repay) a fixed-income security prior to maturity, resulting in a decline in a Fund’s income.


· Direct Real Estate Underlying Funds Risks—The risks of investing in direct real estate Underlying Funds include risks specific to their investment strategies, as well as risks related to investing in real estate in general, such as:


· real estate-related investment risk—The risks associated with exposure to direct real estate through investing in investment vehicles managed by Advisors that will primarily invest directly in real estate, which can include declines in real estate values or revenues, uninsured losses at properties, the absence of regulatory oversight of and a secondary market for interests in direct real estate Underlying Funds, a scarcity of interests issued by direct real estate Underlying Funds, making it difficult for the Fund to achieve its target allocation, and illiquidity of interests in direct real estate Underlying Funds.


· Active Management Risk—The risk that the strategy, investment selection or trading execution of Advisors could cause the Fund or an Underlying Fund to underperform its benchmark index or mutual funds with similar investment objectives.


· Fund of Funds Risk—The ability of the Fund to achieve its investment objective will depend in part upon the ability of the Underlying Funds to achieve their investment objectives. There can be no guarantee that any Underlying Fund will achieve its investment objective.


There can be no assurances that the Fund will achieve its investment objective. You should not consider the Fund to be a complete investment program. Please see the non-summary portion of the Prospectus for more detailed information about the risks described above, including the risks of the Underlying Funds.

Past performance

The following chart and table help illustrate some of the risks of investing in the Fund by showing changes in the Fund’s performance from year to year. The bar chart shows the annual total returns of the Retirement Class of the Fund, before taxes, in each full calendar year for the last ten years. Because the expenses vary across share classes, the performance of the Retirement Class may vary from the other share classes. Below the bar chart are the best and worst returns of the Retirement Class for a calendar quarter during the full calendar-year periods covered by the bar chart. The performance table following the bar chart shows the Fund’s average annual total returns for the Retirement, Institutional, Advisor and Premier classes over the applicable one-year, five-year, ten-year and since-inception periods ended December 31, 2018, and how those returns compare to those of a broad-based securities market index and a composite index that represents the market sectors in which the Fund invests across the equity and fixed-income asset classes. After-tax performance is shown only for the Retirement Class shares, and after-tax returns for the other classes of shares will vary from the after-tax returns presented for Retirement Class shares.


The returns shown below reflect previous agreements by Advisors to waive or reimburse the Fund and certain Underlying Funds for certain fees and expenses. Without these waivers and reimbursements, the returns of the Fund would have been lower. Past performance of the Fund (before and after taxes) is not necessarily an indication of how it will perform in the future. The indices listed below are unmanaged, and you cannot invest directly in an index. The returns for the indices reflect no deduction for fees, expenses or taxes.


For current performance information of each share class, including performance to the most recent month-end, please visit www.tiaa.org.

ANNUAL TOTAL RETURNS FOR THE RETIREMENT CLASS SHARES (%)† Lifecycle 2030 Fund
Bar Chart

 The year-to-date return as of the most recent calendar quarter, which ended on June 30, 2019, was 13.54%.

Best quarter: 16.62%, for the quarter ended June 30, 2009. Worst quarter: -14.58%, for the quarter ended September 30, 2011.

AVERAGE ANNUAL TOTAL RETURNS For the Periods Ended December 31, 2018
Average Annual Returns - TIAA-CREF Lifecycle 2030 Fund
1 Year
5 Years
10 Years
Inception Date
Retirement Class (7.24%) 4.30% 9.45% Oct. 15, 2004
Institutional Class (7.09%) 4.56% 9.73% Jan. 17, 2007
Advisor Class (7.14%) 4.43% [1] 9.52% [1] Dec. 04, 2015
Premier Class (7.18%) 4.42% 9.55% [1] Sep. 30, 2009
After Taxes on Distributions | Retirement Class (8.73%) 2.73% 8.20%  
After Taxes on Distributions and Sale of Fund Shares | Retirement Class (3.45%) 3.06% 7.50%  
S&P Target Date 2030 Index (5.99%) 4.50% 8.96%  
Lifecycle 2030 Fund Composite Index (reflects no deductions for fees, expenses or taxes) [2] (5.35%) 4.99% 9.61%  
[1] The performance shown for the Advisor and Premier classes that is prior to their inception dates is based on performance of the Fund's Retirement Class. The performance for these periods has not been restated to reflect the lower expenses of the Advisor and Premier classes.
[2] As of the close of business on December 31, 2018, the Lifecycle 2030 Fund Composite Index consisted of: 47.9% Russell 3000® Index; 28.8% Bloomberg Barclays U.S. Aggregate Bond Index; 20.5% MSCI All Country World Index ex USA Investable Market Index; 1.4% Bloomberg Barclays U.S. 1-3 Year Government/Credit Bond Index; and 1.4% Bloomberg Barclays U.S. Treasury Inflation Protected Securities (TIPS) 1-10 Year Index. The Fund's composite benchmark, the components that make up a composite benchmark and the method of calculating a composite benchmark's performance may vary over time.

Current performance of the Fund’s shares may be higher or lower than that shown above.



After-tax returns are calculated using the historical highest individual federal marginal income tax rates in effect during the periods shown and do not reflect the impact of state and local taxes. Actual after-tax returns depend on the investor’s tax situation and may differ from those shown. The after-tax returns shown are not relevant to investors who hold their Fund shares through tax-deferred arrangements such as 401(a), 401(k) or 403(b) plans or Individual Retirement Accounts (IRAs). After-tax returns are shown for only one class, and after-tax returns for other classes will vary.
 

XML 64 R198.htm IDEA: XBRL DOCUMENT v3.19.3
TIAA-CREF Lifestyle Aggressive Growth Fund
TIAA-CREF Lifestyle Aggressive Growth Fund
Investment objective

The Fund seeks long-term growth of capital.

Fees and expenses

This table describes the fees and expenses that you may pay if you buy and hold shares of the Fund. In addition to the fees and expenses described below, investors may be required to pay a commission to a broker-dealer or other financial intermediary on purchases and sales of Institutional Class or Advisor Class shares of the Fund.

SHAREHOLDER FEES (fees paid directly from your investment)
Shareholder Fees - TIAA-CREF Lifestyle Aggressive Growth Fund - USD ($)
Institutional Class
Advisor Class
Premier Class
Retirement Class
Retail Class
Maximum sales charge imposed on purchases (percentage of offering price) none none none none none
Maximum deferred sales charge none none none none none
Maximum sales charge imposed on reinvested dividends and other distributions none none none none none
Redemption or exchange fee none none none none none
Account maintenance fee (annual fee on accounts under $2,000) none none none none $ 15.00
ANNUAL FUND OPERATING EXPENSES (expenses that you pay each year as a percentage of the value of your investment)
Annual Fund Operating Expenses - TIAA-CREF Lifestyle Aggressive Growth Fund
Institutional Class
Advisor Class
Premier Class
Retirement Class
Retail Class
Management fees 0.10% 0.10% 0.10% 0.10% 0.10%
Distribution (Rule 12b-1) fees     0.15%   0.25%
Other expenses 0.18% 0.25% [1] 0.18% 0.42% 0.22%
Acquired Fund fees and expenses [2] 0.46% 0.46% 0.46% 0.46% 0.46%
Total annual Fund operating expenses 0.74% 0.81% 0.89% 0.98% 1.03%
Waivers and expense reimbursements [3] (0.18%) (0.18%) (0.18%) (0.17%) (0.17%)
Total annual Fund operating expenses after fee waiver and/or expense reimbursement 0.56% 0.63% 0.71% 0.81% 0.86%
[1] Restated to reflect estimate for the current fiscal year.
[2] "Acquired Fund fees and expenses" are the Fund's proportionate amount of the expenses of any investment companies or pools in which it invests. These expenses are not paid directly by Fund shareholders. Instead, Fund shareholders bear these expenses indirectly because they reduce Fund performance. Because "Acquired Fund fees and expenses" are included in the chart above, the Fund's operating expenses here will not correlate with the expenses included in the Financial highlights in this Prospectus and the Fund's annual report.
[3] Under the Fund's expense reimbursement arrangements, the Fund's investment adviser, Teachers Advisors, LLC ("Advisors"), has contractually agreed to reimburse the Fund for any Total annual Fund operating expenses (excluding interest, taxes, brokerage commissions or other transactional expenses, Acquired Fund fees and expenses and extraordinary expenses) that exceed: (i) 0.10% of average daily net assets for Institutional Class shares; (ii) 0.25% of average daily net assets for Advisor Class shares; (iii) 0.25% of average daily net assets for Premier Class shares; (iv) 0.35% of average daily net assets for Retirement Class shares; and (v) 0.49% of average daily net assets for Retail Class shares of the Fund. These expense reimbursement arrangements will continue through at least September 30, 2020, unless changed with approval of the Board of Trustees.
Example

This example is intended to help you compare the cost of investing in shares of the Fund with the cost of investing in other mutual funds. The example assumes that you invest $10,000 in the Fund for the time periods indicated and then redeem all your shares at the end of those periods. The example also assumes that your investment has a 5% return each year and that the Fund’s operating expenses, before fee waivers and/or expense reimbursements, remain the same. The example assumes that the Fund’s fee waiver and/or expense reimbursement arrangements will each remain in place for the duration noted in the table above. Although your actual costs may be higher or lower, based on these assumptions your costs would be:

Expense Example - TIAA-CREF Lifestyle Aggressive Growth Fund - USD ($)
Institutional Class
Advisor Class
Premier Class
Retirement Class
Retail Class
1 year $ 57 $ 64 $ 73 $ 83 $ 88
3 years 218 241 266 295 311
5 years 394 432 475 525 552
10 years $ 902 $ 985 $ 1,080 $ 1,186 $ 1,244
Portfolio turnover

The Fund pays transaction costs, such as commissions, when it buys and sells securities (or “turns over” its portfolio). A higher portfolio turnover rate may indicate higher transaction costs and may result in higher taxes when Fund shares are held in a taxable account. These costs, which are not reflected in annual fund operating expenses or in the example, affect the Fund’s performance. During the fiscal year ended May 31, 2019, the Fund’s portfolio turnover rate was 24% of the average value of its portfolio.

Principal investment strategies

The Fund is a “fund of funds” that invests in Institutional Class shares of other funds of the Trust and potentially in other investment pools or investment products, including other funds advised by the Fund’s investment adviser, Teachers Advisors, LLC (“Advisors”), or its affiliates (collectively, the “Underlying Funds”). The Fund is designed for investors seeking long-term growth of capital through a relatively stable asset allocation strategy targeting an aggressive growth risk-return profile. Advisors generally seeks to meet the Fund’s investment objective by investing: (1) approximately 100% of the Fund’s assets in equity Underlying Funds and (2) approximately 0% of the Fund’s assets in fixed-income Underlying Funds. The Fund may deviate from these target allocations by up to ten percentage points depending upon current market conditions and outlook.


The Underlying Funds’ allocation targets generally represent targets for investments in equity and fixed-income asset classes. Within the equity and fixed-income asset classes, Advisors allocates the Fund’s investments to particular market sectors (which may include U.S. equity, international equity, fixed-income and short-term fixed-income) represented by various Underlying Funds. To maintain an appropriate allocation among the Underlying Funds, the portfolio managers monitor the domestic and foreign equity markets, as well as overall financial and economic conditions. The Fund may sometimes be more heavily weighted toward equities or fixed-income than the target allocations, if the portfolio managers believe market conditions warrant. For example, the Fund may increase its holdings in fixed-income Underlying Funds in periods when the portfolio managers believe the equity markets will decline. The market sector allocations and Underlying Fund allocations may also be changed over time by the portfolio managers, including the addition and removal of market sectors and Underlying Funds in which the Fund invests in light of the Fund’s desired level of risk and potential return at a particular time as evaluated by the portfolio managers based on a mix of qualitative and quantitative factors. The portfolio managers may also opportunistically purchase other Funds or other investment pools or investment products, based on the portfolio managers’ evaluation of the market sectors and/or Underlying Funds without prior notice to shareholders. If 10% or more of the Fund’s assets are expected to be invested in any Underlying Fund, market sector or asset class not listed in the chart below, shareholders will receive prior notice of such change.


As a result of its investments in the Underlying Funds, the Fund’s returns will reflect investments in a mix of domestic and foreign equities of companies of various sizes and a variety of domestic and foreign fixed-income instruments of private and governmental issuers of varying maturities and credit qualities.


As part of the Fund’s ability to invest in unaffiliated investment products or pools noted above, the Fund may invest in exchange-traded funds (“ETFs”) and exchange-traded notes (“ETNs”) to gain exposure to various market sectors or securities in order to effect its asset allocation strategy. Additionally, the Fund may use ETFs and ETNs for cash management, hedging or defensive purposes. ETFs and ETNs will be subject to the risks associated with the types of securities or sectors that they track, while ETNs, which are structured as fixed-income obligations, will also be subject to the general risks of fixed-income securities, including credit risk.


The Fund’s asset class allocations, market sector allocations within each asset class, and Underlying Fund allocations within each market sector as of June 30, 2019, are listed in the chart below. These allocations may change over time. Underlying Fund allocations in particular may change from year to year.


        

Asset Class

Allocation

  

Market Sector

Allocation

 

Underlying Funds

Allocation

Equity

100.00%

 

U.S. Equity

71.06%

 

Ÿ Large-Cap Growth Fund

17.67%

      

Ÿ Large-Cap Value Fund

17.18%

      

Ÿ Growth & Income Fund

15.68%

      

Ÿ Quant Large-Cap Growth Fund

8.61%

      

Ÿ Quant Large-Cap Value Fund

5.44%

      

Ÿ Quant Small-Cap Equity Fund

3.47%

      

Ÿ Quant Small/Mid-Cap Equity Fund

3.01%

   

International Equity

28.94%

 

Ÿ International Equity Fund

7.80%

      

Ÿ International Opportunities Fund

6.50%

      

Ÿ Quant International Equity Fund

5.52%

      

Ÿ Emerging Markets Equity Fund

5.13%

      

Ÿ Quant International Small-Cap Equity Fund

3.99%


        

Total

100.00%

  

100.00%

  

100.00%

Principal investment risks

You could lose money over short or long periods by investing in this Fund. An investment in the Fund, due to the nature of the Fund’s portfolio holdings, typically is subject to the following principal investment risks:


· Asset Allocation Risk—The risk that the Fund may not achieve its target allocations. In addition, there is the risk that the asset allocations may not achieve the desired risk-return characteristic or that the selection of Underlying Funds and the allocations among them will result in the Fund underperforming other similar funds or cause an investor to lose money.


· Underlying Funds Risks—The Fund is exposed to the risks of the Underlying Funds in which it invests in direct proportion to the amount of assets the Fund allocates to each Underlying Fund. Because the Fund targets its investments in a significantly higher percentage of equity Underlying Funds, Equity Underlying Funds Risks are expected to predominate.


· Equity Underlying Funds Risks—The risks of investing in equity Underlying Funds include risks specific to their investment strategies, as well as risks related to the equity markets in general, such as:


· market risk—The risk that the price of equity investments may decline in response to general market and economic conditions or events, including conditions and developments outside of the financial markets;


· issuer risk—The risk that an issuer’s earnings prospects and overall financial position will deteriorate, causing a decline in the value of the issuer’s financial instruments over short or extended periods of time; and


· foreign investment risk—The increased risks of adverse issuer, political, regulatory, currency, market or economic developments compared to investments in U.S. issuers, which can result in greater market and price volatility.


· Fixed-Income Underlying Funds Risks—The risks of investing in fixed-income Underlying Funds include risks specific to their investment strategies, as well as risks related to the fixed-income markets in general, such as:


· interest rate risk—The risk that the value or yield of fixed-income investments may decline if interest rates change, which could adversely affect a Fund’s income or the value of its holdings;


· extension risk—The risk that during periods of rising interest rates, borrowers may pay off their mortgage loans later than expected, preventing a Fund from reinvesting principal proceeds at higher interest rates and resulting in less income than potentially available;


· issuer risk—The risk that an issuer’s earnings prospects and overall financial position will deteriorate, causing a decline in the value of the issuer’s financial instruments over short or extended periods of time;


· credit risk—The risk that a decline in an issuer’s financial position may prevent it from making principal and interest payments on fixed-income investments held by a Fund when due;


· credit spread risk—The risk that credit spreads (i.e., the difference in yield between securities that is due to differences in each security’s respective credit quality) may increase when market participants believe that bonds generally have a greater risk of default, which could result in a decline in the market values of a Fund’s debt securities;


· income volatility risk—The risk that the level of current income from a Fund’s portfolio of fixed-income securities may decline due to rapid and unpredictable changes in prevailing market interest rates; and


· call risk—The risk that, during periods of falling interest rates, an issuer may call (or repay) a fixed-income security prior to maturity, resulting in a decline in a Fund’s income.


· Active Management Risk—The risk that the strategy, investment selection or trading execution of Advisors could cause the Fund or an Underlying Fund to underperform its benchmark index or mutual funds with similar investment objectives.


· Fund of Funds Risk—The ability of the Fund to achieve its investment objective will depend in part upon the ability of the Underlying Funds to achieve their investment objectives. There can be no guarantee that any Underlying Fund will achieve its investment objective.


There can be no assurances that the Fund will achieve its investment objective. You should not consider the Fund to be a complete investment program. Please see the non-summary portion of the Prospectus for more detailed information about the risks described above, including the risks of the Underlying Funds.

Past performance

The following chart and table help illustrate some of the risks of investing in the Fund by showing changes in the Fund’s performance from year to year. The bar chart shows the annual total returns of the Institutional Class of the Fund, before taxes, in each full calendar year since inception of the Institutional Class. Because the expenses vary across share classes, the performance of the Institutional Class may vary from the other share classes. Below the bar chart are the best and worst returns of the Institutional Class for a calendar quarter during the full calendar-year periods covered by the bar chart. The performance table following the bar chart shows the Fund’s average annual total returns for the Institutional, Advisor, Premier, Retirement and Retail classes over the applicable one-year, five-year, ten-year and since-inception periods ended December 31, 2018, and how those returns compare to those of a broad-based securities market index and a composite index based on the Fund’s target allocations. After-tax performance is shown only for the Institutional Class shares, and after-tax returns for the other classes of shares will vary from the after-tax returns presented for Institutional Class shares.


The returns shown below reflect previous agreements by Advisors to waive or reimburse the Fund and certain Underlying Funds for certain fees and expenses. Without these waivers and reimbursements, the returns of the Fund would have been lower. Past performance of the Fund (before and after taxes) is not necessarily an indication of how it will perform in the future. The indices listed below are unmanaged, and you cannot invest directly in an index. The returns for the indices reflect no deduction for fees, expenses or taxes.


For current performance information of each share class, including performance to the most recent month-end, please visit www.tiaa.org.

ANNUAL TOTAL RETURNS FOR THE INSTITUTIONAL CLASS SHARES (%)† Lifestyle Aggressive Growth Fund
Bar Chart

 The year-to-date return as of the most recent calendar quarter, which ended on June 30, 2019, was 17.61%.

Best quarter: 14.33%, for the quarter ended March 31, 2012. Worst quarter: -15.89%, for the quarter ended December 31, 2018.

AVERAGE ANNUAL TOTAL RETURNS For the Periods Ended December 31, 2018
Average Annual Returns - TIAA-CREF Lifestyle Aggressive Growth Fund
1 Year
5 Years
Since Inception
Inception Date
Institutional Class (11.18%) 4.69% 9.75% Dec. 09, 2011
Advisor Class (11.17%) 4.66% [1] 9.73% [1] Dec. 04, 2015
Premier Class (11.29%) 4.54% 9.59% Dec. 09, 2011
Retirement Class (11.39%) 4.42% 9.47% Dec. 09, 2011
Retail Class (11.46%) 4.35% 9.39% Dec. 09, 2011
After Taxes on Distributions | Institutional Class (12.33%) 3.37% 8.48%  
After Taxes on Distributions and Sale of Fund Shares | Institutional Class (5.82%) 3.48% 7.65%  
Morningstar Aggressive Target Risk Index (reflects no deductions for fees, expenses or taxes) (8.17%) 5.01% 9.03% [2]  
Lifestyle Aggressive Growth Fund Composite Index (reflects no deductions for fees, expenses or taxes) [3] (8.12%) 5.74% 10.06% [2]  
[1] The performance shown for the Advisor Class that is prior to its inception date is based on performance of the Fund's Institutional Class. The performance for these periods has not been restated to reflect higher expenses of the Advisor Class. If those expenses had been reflected, the performance would have been lower.
[2] Performance is calculated from the inception date of the Institutional Class.
[3] As of the close of business on December 31, 2018, the Lifestyle Aggressive Growth Fund Composite Index consisted of: 70.0% Russell 3000® Index; and 30.0% MSCI All Country World Index ex USA Investable Market Index. The Fund's composite benchmark, the components that make up a composite benchmark and the method of calculating a composite benchmark's performance may vary over time.

Current performance of the Fund’s shares may be higher or lower than that shown above.


After-tax returns are calculated using the historical highest individual federal marginal income tax rates in effect during the periods shown and do not reflect the impact of state and local taxes. Actual after-tax returns depend on the investor’s tax situation and may differ from those shown. The after-tax returns shown are not relevant to investors who hold their Fund shares through tax-deferred arrangements such as 401(a), 401(k) or 403(b) plans or Individual Retirement Accounts (IRAs). After-tax returns are shown for only one class, and after-tax returns for other classes will vary.

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TIAA-CREF Managed Allocation Fund
TIAA-CREF Managed Allocation Fund
Investment objective

The Fund seeks favorable returns that reflect the broad investment performance of the financial markets through capital appreciation and investment income. The Fund will pursue this goal through a “fund of funds” approach, whereby the Fund will make investments primarily in other mutual funds.

Fees and expenses

This table describes the fees and expenses that you may pay if you buy and hold shares of the Fund. In addition to the fees and expenses described below, investors may be required to pay a commission to a broker-dealer or other financial intermediary on purchases and sales of Institutional Class shares of the Fund.

SHAREHOLDER FEES (fees paid directly from your investment)
Shareholder Fees - TIAA-CREF Managed Allocation Fund - USD ($)
Institutional Class
Retirement Class
Retail Class
Maximum sales charge imposed on purchases (percentage of offering price) none none none
Maximum deferred sales charge none none none
Maximum sales charge imposed on reinvested dividends and other distributions none none none
Redemption or exchange fee none none none
Account maintenance fee (annual fee on accounts under $2,000) none none $ 15.00
ANNUAL FUND OPERATING EXPENSES (expenses that you pay each year as a percentage of the value of your investment)
Annual Fund Operating Expenses - TIAA-CREF Managed Allocation Fund
Institutional Class
Retirement Class
Retail Class
Distribution (Rule 12b-1) fees     0.25%
Other expenses 0.03% 0.28% 0.07%
Acquired Fund fees and expenses [1] 0.39% 0.39% 0.39%
Total annual Fund operating expenses 0.42% 0.67% 0.71%
Waivers and expense reimbursements [2] (0.03%) (0.03%) (0.07%)
Total annual Fund operating expenses after fee waiver and/or expense reimbursement 0.39% 0.64% 0.64%
[1] "Acquired Fund fees and expenses" are the Fund's proportionate amount of the expenses of any investment companies or pools in which it invests. These expenses are not paid directly by Fund shareholders. Instead, Fund shareholders bear these expenses indirectly because they reduce Fund performance. Because "Acquired Fund fees and expenses" are included in the chart above, the Fund's operating expenses here will not correlate with the expenses included in the Financial highlights in this Prospectus and the Fund's annual report.
[2] Under the Fund's expense reimbursement arrangements, the Fund's investment adviser, Teachers Advisors, LLC ("Advisors"), has contractually agreed to reimburse the Fund for any Total annual Fund operating expenses (excluding interest, taxes, brokerage commissions or other transactional expenses, Acquired Fund fees and expenses and extraordinary expenses) that exceed: (i) 0.00% of average daily net assets for Institutional Class shares; (ii) 0.25% of average daily net assets for Retirement Class shares; and (iii) 0.25% of average daily net assets for Retail Class shares of the Fund. These expense reimbursement arrangements will continue through at least September 30, 2020, unless changed with approval of the Board of Trustees.
Example

This example is intended to help you compare the cost of investing in shares of the Fund with the cost of investing in other mutual funds. The example assumes that you invest $10,000 in the Fund for the time periods indicated and then redeem all your shares at the end of those periods. The example also assumes that your investment has a 5% return each year and that the Fund’s operating expenses, before fee waivers and/or expense reimbursements, remain the same. The example assumes that the Fund’s fee waiver and/or expense reimbursement arrangements will each remain in place for the duration noted in the table above. Although your actual costs may be higher or lower, based on these assumptions your costs would be:

Expense Example - TIAA-CREF Managed Allocation Fund - USD ($)
Institutional Class
Retirement Class
Retail Class
1 year $ 40 $ 65 $ 65
3 years 132 211 220
5 years 232 370 388
10 years $ 527 $ 832 $ 876
Portfolio turnover

The Fund pays transaction costs, such as commissions, when it buys and sells securities (or “turns over” its portfolio). A higher portfolio turnover rate may indicate higher transaction costs and may result in higher taxes when Fund shares are held in a taxable account. These costs, which are not reflected in annual fund operating expenses or in the example, affect the Fund’s performance. During the fiscal year ended May 31, 2019, the Fund’s portfolio turnover rate was 20% of the average value of its portfolio.

Principal investment strategies

The Fund is a “fund of funds” that invests in Institutional Class shares of other funds of the Trust and potentially in other investment pools or investment products, including other funds advised by the Fund’s investment adviser, Teachers Advisors, LLC (“Advisors”), or its affiliates (collectively, the “Underlying Funds”). The Fund invests in Underlying Funds according to a relatively stable asset allocation strategy and will generally seek to meet its investment objective by investing: (1) approximately 60.00% of its assets in equity Underlying Funds, including up to 5.00% of its assets in real estate Underlying Funds; and (2) approximately 40.00% of its assets in fixed-income Underlying Funds (“target allocations”).


The Fund may invest in the following equity Underlying Funds: TIAA-CREF Growth & Income Fund, Large-Cap Growth Fund, Large-Cap Value Fund, Quant Large-Cap Growth Fund, Quant Large-Cap Value Fund, Quant International Equity Fund, Quant International Small-Cap Equity Fund, Quant Small-Cap Equity Fund, Quant Small/Mid-Cap Equity Fund, Emerging Markets Equity Fund, International Equity Fund, International Opportunities Fund and Real Estate Securities Fund.


The Fund may invest in the following fixed-income Underlying Funds: TIAA-CREF Bond Plus Fund, High-Yield Fund, Inflation-Linked Bond Fund, International Bond Fund, Money Market Fund and Short-Term Bond Fund.


As a result of its investments in the Underlying Funds, the Managed Allocation Fund’s returns will reflect investments in a mix of domestic stocks of companies of all sizes, foreign equities, real estate securities and a variety of domestic and foreign fixed-income instruments of private and governmental issuers of varying maturities and credit qualities. To maintain an appropriate allocation among the Underlying Funds, the portfolio managers monitor the foreign and domestic equity markets, as well as overall financial and economic conditions. If the portfolio managers believe that the relative attractiveness of the markets in which the equity and fixed-income funds are invested changes, they can adjust the percentage of investments in the Fund’s market sectors or Underlying Funds up or down by up to 10%; they may also invest in new market sectors or Underlying Funds without prior notice. If 10% or more of the Fund’s assets are expected to be invested in any Underlying Fund or market sector not listed above or in the chart below, shareholders will receive prior notice of such change. At any given time the Fund may hold between 0% to 5% of its assets in real estate funds. The


Fund’s composite benchmark is a composite of three benchmark indices representing three types of market sectors within the equity and fixed-income Underlying Fund asset classes, i.e., domestic equity, international equity and fixed-income. The composite index is created by applying the results of the benchmark for each of these three market sectors in proportion to the Fund’s target allocations among the three market sectors. For more information about the different indices that comprise the Fund’s composite benchmark index, please see “Additional information about the Fund’s composite index” below.


The composition of the Fund’s fixed-income portion will vary depending on the shape of the yield curve. This means that when there is not much difference between the yield on short-term and long-term bonds, the Fund would normally increase its investments in the Short-Term Bond Fund. The Fund will have less than 5% of its assets in the High-Yield Fund.


The Fund might sometimes be even more heavily weighted toward equities or fixed-income, if Advisors believes market conditions warrant. For example, the Fund might increase its holdings in fixed-income funds in periods when Advisors believes equity markets will decline.


As part of the Fund’s ability to invest in unaffiliated investment products or pools noted above, the Board has authorized the Fund to invest in exchange-traded funds (“ETFs”) and exchange-traded notes (“ETNs”). The Fund may use investments in ETFs and ETNs to gain exposure to various market sectors or securities in order to effect its asset allocation strategy. Additionally, the Fund may use ETFs and ETNs for cash management, hedging or defensive purposes. ETFs and ETNs will be subject to the risks associated with the types of securities or sectors that they track, while ETNs, which are structured as fixed-income obligations, will also be subject to the general risks of fixed-income securities, including credit risk.


For flexibility in meeting redemptions, expenses and the timing of new investments, and as a short-term defense during periods of unusual volatility, the Fund may invest in government securities (as defined in the Investment Company Act of 1940, as amended (the “1940 Act”)), short-term paper or shares of the Money Market Fund. For temporary defensive purposes, the Managed Allocation Fund may invest without limitation in such securities. The Fund cannot guarantee that this strategy will be successful.


The Fund’s asset class allocations, market sector allocations within each asset class, and Underlying Fund allocations within each market sector, as of June 30, 2019, are listed in the chart below. These allocations may change over time. Underlying Fund allocations in particular may change from year to year.


        

Asset Class

Allocation

  

Market Sector

Allocation

 

Underlying Funds

Allocation

Equity

60.65%

 

U.S. Equity

43.54%

 

Ÿ Quant Large-Cap Growth Fund

8.99%

      

Ÿ Growth & Income Fund

8.93%

      

Ÿ Large-Cap Growth Fund

8.07%

      

Ÿ Large-Cap Value Fund

7.81%

      

Ÿ Quant Large-Cap Value Fund

5.84%

      

Ÿ Quant Small-Cap Equity Fund

2.19%

      

Ÿ Quant Small/Mid-Cap Equity Fund

1.71%

   

International Equity

17.11%

 

Ÿ International Equity Fund

3.93%

      

Ÿ International Opportunities Fund

3.93%

      

Ÿ Quant International Equity Fund

3.74%

      

Ÿ Emerging Markets Equity Fund

3.10%

      

Ÿ Quant International Small-Cap Equity Fund

2.41%

Fixed-Income

39.35%

 

Fixed-Income

39.35%

 

Ÿ Bond Plus Fund

39.35%


        

Total

100.00%

  

100.00%

  

100.00%

Principal investment risks

You could lose money over short or long periods by investing in this Fund. Accordingly, an investment in the Fund or the Underlying Funds typically is subject to the following principal investment risks:


· Asset Allocation Risk—The risk that the Fund may not achieve its target allocations. In addition, there is the risk that the asset allocations may not achieve the desired risk-return characteristic or that the selection of Underlying Funds and the allocations among them will result in the Fund underperforming other similar funds or cause an investor to lose money.


· Underlying Funds Risks—The Fund is exposed to the risks of the Underlying Funds in which it invests in direct proportion to the amount of assets the Fund allocates to each Underlying Fund.


· Equity Underlying Funds Risks—The risks of investing in equity Underlying Funds include risks specific to their investment strategies, as well as risks related to the equity markets in general, such as:


· market risk—The risk that the price of equity investments may decline in response to general market and economic conditions or events, including conditions and developments outside of the financial markets;


· issuer risk—The risk that an issuer’s earnings prospects and overall financial position will deteriorate, causing a decline in the value of the issuer’s financial instruments over short or extended periods of time; and


· foreign investment risk—The increased risks of adverse issuer, political, regulatory, currency, market or economic developments compared to investments in U.S. issuers, which can result in greater market and price volatility.


· Fixed-Income Underlying Funds Risks—The risks of investing in fixed-income Underlying Funds include risks specific to their investment strategies, as well as risks related to the fixed-income markets in general, such as:


· interest rate risk—The risk that the value or yield of fixed-income investments may decline if interest rates change, which could adversely affect a Fund’s income or the value of its holdings;


· extension risk—The risk that during periods of rising interest rates, borrowers may pay off their mortgage loans later than expected, preventing a Fund from reinvesting principal proceeds at higher interest rates and resulting in less income than potentially available;


· issuer risk—The risk that an issuer’s earnings prospects and overall financial position will deteriorate, causing a decline in the value of the issuer’s financial instruments over short or extended periods of time;


· credit risk—The risk that a decline in an issuer’s financial position may prevent it from making principal and interest payments on fixed-income investments held by a Fund when due;


· credit spread risk—The risk that credit spreads (i.e., the difference in yield between securities that is due to differences in each security’s respective credit quality) may increase when market participants believe that bonds generally have a greater risk of default, which could result in a decline in the market values of a Fund’s debt securities;


· income volatility risk—The risk that the level of current income from a Fund’s portfolio of fixed-income securities may decline due to rapid and unpredictable changes in prevailing market interest rates; and


· call risk—The risk that, during periods of falling interest rates, an issuer may call (or repay) a fixed-income security prior to maturity, resulting in a decline in a Fund’s income.


· Active Management Risk—The risk that the strategy, investment selection or trading execution of Advisors could cause the Fund or an Underlying Fund to underperform its benchmark index or mutual funds with similar investment objectives.


· Fund of Funds Risk—The ability of the Fund to achieve its investment objective will depend in part upon the ability of the Underlying Funds to achieve their investment objectives. There can be no guarantee that any Underlying Fund will achieve its investment objective.


There can be no assurances that the Fund will achieve its investment objective. You should not consider the Fund to be a complete investment program. Please see the non-summary portion of the Prospectus for more detailed information about the risks described above, including the risks of the Underlying Funds.

Past performance

The following chart and table help illustrate some of the risks of investing in the Fund by showing changes in the Fund’s performance from year to year. The bar chart shows the annual total returns of the Institutional Class of the Fund, before taxes, in each full calendar year for the last ten years. Because the expenses vary across share classes, the performance of the Institutional Class may vary from the other share classes. Below the bar chart are the best and worst returns of the Institutional Class for a calendar quarter during the full calendar-year periods covered by the bar chart. The performance table following the bar chart shows the Fund’s average annual total returns for the Institutional, Retirement and Retail classes over the applicable one-year, five-year, ten-year and since-inception periods ended December 31, 2018, and how those returns compare to those of a broad-based securities market index and a composite index based on the Fund’s target allocations. After-tax performance is shown only for the Institutional Class shares, and after-tax returns for the other classes of shares will vary from the after-tax returns presented for Institutional Class shares.


The returns shown below reflect previous agreements by Advisors to waive or reimburse the Fund and certain Underlying Funds for certain fees and expenses. Without these waivers and reimbursements, the returns of the Fund would have been lower. Past performance of the Fund (before and after taxes) is not necessarily an indication of how it will perform in the future. The indices listed below are unmanaged, and you cannot invest directly in an index. The returns for the indices reflect no deduction for fees, expenses or taxes.


For current performance information of each share class, including performance to the most recent month-end, please visit www.tiaa.org.

ANNUAL TOTAL RETURNS FOR THE INSTITUTIONAL CLASS SHARES (%)†
Bar Chart

 The year-to-date return as of the most recent calendar quarter, which ended on June 30, 2019, was 13.22%.

Best quarter: 12.65%, for the quarter ended June 30, 2009. Worst quarter: -10.49%, for the quarter ended September 30, 2011.

AVERAGE ANNUAL TOTAL RETURNS For the Periods Ended December 31, 2018
Average Annual Returns - TIAA-CREF Managed Allocation Fund
1 Year
5 Years
10 Years
Inception Date
Institutional Class (6.82%) 4.29% 8.71% Mar. 31, 2006
Retirement Class (6.99%) 4.03% 8.43% Mar. 31, 2006
Retail Class (6.96%) 4.03% 8.47% Mar. 31, 2006
After Taxes on Distributions | Institutional Class (8.36%) 2.62% 7.34%  
After Taxes on Distributions and Sale of Fund Shares | Institutional Class (3.32%) 2.92% 6.68%  
Morningstar Moderate Target Risk Index (reflects no deductions for fees, expenses or taxes) (4.76%) 4.08% 7.97%  
Managed Allocation Fund Composite Index (reflects no deductions for fees, expenses or taxes) [1] (4.69%) 4.61% 8.29%  
[1] As of the close of business on December 31, 2018, the Managed Allocation Fund Composite Index consisted of: 42.0% Russell 3000® Index; 40.0% Bloomberg Barclays U.S. Aggregate Bond Index; and 18.0% MSCI All Country World Index ex USA Investable Market Index. The Fund's composite benchmark, the components that make up a composite benchmark and the method of calculating a composite benchmark's performance may vary over time.

Current performance of the Fund’s shares may be higher or lower than that shown above.



After-tax returns are calculated using the historical highest individual federal marginal income tax rates in effect during the periods shown and do not reflect the impact of state and local taxes. Actual after-tax returns depend on the investor’s tax situation and may differ from those shown. The after-tax returns shown are not relevant to investors who hold their Fund shares through tax-deferred arrangements such as 401(a), 401(k) or 403(b) plans or Individual Retirement Accounts (IRAs). After-tax returns are shown for only one class, and after-tax returns for other classes will vary.

XML 68 R85.htm IDEA: XBRL DOCUMENT v3.19.3
Label Element Value
TIAA-CREF Lifecycle 2060 Fund  
Risk/Return: rr_RiskReturnAbstract  
Risk/Return [Heading] rr_RiskReturnHeading TIAA-CREF Lifecycle 2060 Fund
Objective [Heading] rr_ObjectiveHeading Investment objective
Objective, Primary [Text Block] rr_ObjectivePrimaryTextBlock

The Lifecycle 2060 Fund seeks high total return over time through a combination of capital appreciation and income.

Expense [Heading] rr_ExpenseHeading Fees and expenses
Expense Narrative [Text Block] rr_ExpenseNarrativeTextBlock

This table describes the fees and expenses that you may pay if you buy and hold shares of the Fund. In addition to the fees and expenses described below, investors may be required to pay a commission to a broker-dealer or other financial intermediary on purchases and sales of Institutional Class or Advisor Class shares of the Fund.

Shareholder Fees Caption [Text] rr_ShareholderFeesCaption SHAREHOLDER FEES (fees paid directly from your investment)
Operating Expenses Caption [Text] rr_OperatingExpensesCaption ANNUAL FUND OPERATING EXPENSES (expenses that you pay each year as a percentage of the value of your investment)
Fee Waiver or Reimbursement over Assets, Date of Termination rr_FeeWaiverOrReimbursementOverAssetsDateOfTermination Sep. 30, 2020
Portfolio Turnover [Heading] rr_PortfolioTurnoverHeading Portfolio turnover
Portfolio Turnover [Text Block] rr_PortfolioTurnoverTextBlock

The Fund pays transaction costs, such as commissions, when it buys and sells securities (or “turns over” its portfolio). A higher portfolio turnover rate may indicate higher transaction costs and may result in higher taxes when Fund shares are held in a taxable account. These costs, which are not reflected in annual fund operating expenses or in the example, affect the Fund’s performance. During the fiscal period ended May 31, 2019, the Fund’s portfolio turnover rate was 36% of the average value of its portfolio.

Portfolio Turnover, Rate rr_PortfolioTurnoverRate 36.00%
Expenses Restated to Reflect Current [Text] rr_ExpensesRestatedToReflectCurrent Restated to reflect estimates for the current fiscal year.
Expenses Not Correlated to Ratio Due to Acquired Fund Fees [Text] rr_ExpensesNotCorrelatedToRatioDueToAcquiredFundFees “Acquired Fund fees and expenses” are the Fund’s proportionate amount of the expenses of any investment companies or pools in which it invests (excluding expenses originally incurred by Class W of the Underlying Funds of the Trust that have been incurred directly by the Fund, which are instead reflected in Management fees and Other expenses). These expenses are not paid directly by Fund shareholders. Instead, Fund shareholders bear these expenses indirectly because they reduce Fund performance. Because “Acquired Fund fees and expenses” are included in the chart above, the Fund’s operating expenses here will not correlate with the expenses included in the Financial highlights in this Prospectus and the Fund’s annual report.
Expense Example [Heading] rr_ExpenseExampleHeading Example
Expense Example Narrative [Text Block] rr_ExpenseExampleNarrativeTextBlock

This example is intended to help you compare the cost of investing in shares of the Fund with the cost of investing in other mutual funds. The example assumes that you invest $10,000 in the Fund for the time periods indicated and then redeem all your shares at the end of those periods. The example also assumes that your investment has a 5% return each year and that the Fund’s operating expenses, before fee waivers and/or expense reimbursements, remain the same. The example assumes that the Fund’s fee waiver and/or expense reimbursement arrangements will each remain in place for the durations noted in the table above. Although your actual costs may be higher or lower, based on these assumptions your costs would be:

Strategy [Heading] rr_StrategyHeading Principal investment strategies
Strategy Narrative [Text Block] rr_StrategyNarrativeTextBlock

The Fund is a “fund of funds” that invests in Class W shares of other funds of the Trust and in other investment pools or investment products, potentially including other funds advised by the Fund’s investment adviser, Teachers Advisors, LLC (“Advisors”), or its affiliates (collectively, the “Underlying Funds”). In general, the Fund is designed for investors who have an approximate target retirement year in mind, and the Fund’s investments are adjusted from more aggressive to more conservative over time as the Fund’s target retirement year approaches and for approximately 30 years afterwards. The Fund invests in Underlying Funds according to an asset allocation strategy designed for investors retiring in, or planning to retire within a few years of, 2060 and who may begin taking systematic withdrawals upon retirement.


Advisors currently expects to allocate approximately 93.75% of the Fund’s assets to equity Underlying Funds, 1.25% of its assets to fixed-income Underlying Funds and 5.00% of its assets to direct real estate Underlying Funds. These allocations represent targets for equity, fixed-income and direct real estate asset classes. Target allocations will change over time and actual allocations may vary up to ten percentage points from the targets. The target allocations along the investment glidepath, illustrated in the chart below, gradually become more conservative, moving to target allocations of approximately 45.00% equity/50.00% fixed-income/5.00% direct real estate in the Fund’s target retirement year of 2060 and reaching the Fund’s final target allocation of approximately 20.00% equity/80.00% fixed-income/0.00% direct real estate in 2090. Within the equity, fixed-income and direct real estate asset classes, Advisors allocates the Fund’s investments to particular market sectors (U.S. equity, international equity, fixed-income, short-term fixed-income, inflation-protected assets and direct real estate) represented by various Underlying Funds. These market sector allocations may vary by up to 10% from the Fund’s target market sector allocations. The Fund’s current target market sector allocations for June 30, 2020, which will change over time, are approximately as follows: U.S. Equity: 65.62%; International Equity: 28.13%; Fixed-Income: 1.25%; Short-Term Fixed-Income: 0.00%; Inflation-Protected Assets: 0.00%; and Direct Real Estate: 5.00%. The asset class and market sector names used herein are intended to reflect the primary type of investment of the Underlying Funds within each of these categories.


The Fund’s target market sector allocations to Underlying Funds may include the TIAA-CREF Growth & Income Fund, Large-Cap Growth Fund, Large-Cap Value Fund, Quant Large-Cap Growth Fund, Quant Large-Cap Value Fund, Quant Small-Cap Equity Fund and Quant Small/Mid-Cap Equity Fund (U.S. Equity); Emerging Markets Equity Fund, International Equity Fund, International Opportunities Fund, Quant International Equity Fund and Quant International Small-Cap Equity Fund (International Equity); Bond Fund, Bond Plus Fund, Emerging Markets Debt Fund, High-Yield Fund and International Bond Fund (Fixed-Income); Money Market Fund and Short-Term Bond Fund (Short-Term Fixed-Income); Inflation-Linked Bond Fund (Inflation-Protected Assets); and Real Property Fund LP (Direct Real Estate). TIAA-CREF Real Property Fund LP is a private fund, which is not available for investment by the general public; it is currently offered exclusively to investment pools or investment products managed by Advisors or its affiliates.


Additional or replacement Underlying Funds for each market sector, as well as additional or replacement market sectors, may be included when making future allocations if Advisors believes that such Underlying Funds and/or market sectors are appropriate in light of the Fund’s desired levels of risk and potential return at the particular time. The Fund’s portfolio management team may also add a new market sector if it believes that will help to achieve the Fund’s investment objective. The relative allocations among Underlying Funds within a market sector may be changed at any time without notice to shareholders, and the portfolio management team may use tactical allocation to take advantage of short to intermediate term opportunities through a combination of positions in Underlying Funds. If 10% or more of the Fund’s assets are expected to be invested in any Underlying Fund or market sector not listed above, shareholders will receive prior notice of such change.


The Fund’s asset class allocations, market sector allocations within each asset class, and Underlying Fund allocations within each market sector, for June 30, 2019, are listed in the chart below. These allocations will change over time. Underlying Fund allocations in particular may change from year to year.


        

Asset Class

Allocation

  

Market Sector

Allocation

 

Underlying Funds

Allocation

Equity

94.11%

 

U.S. Equity

65.99%

 

Ÿ Growth & Income Fund

13.84%

      

Ÿ Large-Cap Growth Fund

12.49%

      

Ÿ Large-Cap Value Fund

12.10%

      

Ÿ Quant Large-Cap Growth Fund

10.91%

      

Ÿ Quant Large-Cap Value Fund

10.60%

      

Ÿ Quant Small-Cap Equity Fund

3.39%

      

Ÿ Quant Small/Mid-Cap Equity Fund

2.66%

   

International Equity

28.12%

 

Ÿ Quant International Equity Fund

7.34%

      

Ÿ International Equity Fund

6.12%

      

Ÿ International Opportunities Fund

6.10%

      

Ÿ Emerging Markets Equity Fund

4.81%

      

Ÿ Quant International Small-Cap Equity Fund

3.75%

Fixed-Income

1.32%

 

Fixed-Income

1.32%

 

Ÿ Bond Fund

0.69%

      

Ÿ Bond Plus Fund

0.42%

      

Ÿ High-Yield Fund

0.07%

      

Ÿ International Bond Fund

0.07%

      

Ÿ Emerging Markets Debt Fund

0.07%

Real Estate

4.57%

 

Direct Real Estate

4.57%

 

Ÿ TIAA-CREF Real Property Fund LP

4.57%


        

Total

100.00%

  

100.00%

  

100.00%


The following chart shows how the investment glidepath for the Fund is expected to gradually move the Fund’s target allocations over time between the different target market sector allocations. The actual market sector allocations of the Fund may differ from this chart. The Fund seeks to achieve its final target market sector allocations approximately 30 years following the target date.


Lifecycle Funds Glidepath as of June 30, 2020
Years to Target Retirement Date US Equities International Equities Direct Real Estate Fixed Income Short Term Fixed Income Inflation Protected Bonds
45 66.50% 28.50% 5.00% 0.00% 0.00% 0.00%
40 65.62% 28.13% 5.00% 1.25% 0.00% 0.00%
35 64.75% 27.75% 5.00% 2.50% 0.00% 0.00%
30 63.87% 27.38% 5.00% 3.75% 0.00% 0.00%
25 63.00% 27.00% 5.00% 5.00% 0.00% 0.00%
20 56.70% 24.30% 5.00% 14.00% 0.00% 0.00%
15 50.40% 21.60% 5.00% 23.00% 0.00% 0.00%
10 44.10% 18.90% 5.00% 28.00% 2.00% 2.00%
5 37.80% 16.20% 5.00% 33.00% 4.00% 4.00%
0 31.50% 13.50% 5.00% 38.00% 6.00% 6.00%
-5 28.00% 12.00% 5.00% 39.00% 8.00% 8.00%
-10 24.50% 10.50% 5.00% 40.00% 10.00% 10.00%
-15 22.75% 9.75% 2.50% 40.00% 15.00% 10.00%
-20 21.00% 9.00% 0.00% 40.00% 20.00% 10.00%
-25 17.50% 7.50% 0.00% 40.00% 25.00% 10.00%
-30 14.00% 6.00% 0.00% 40.00% 30.00% 10.00%

The Fund is designed to accommodate investors who invest in a fund up to their target retirement date, and plan to make gradual systematic withdrawals in retirement. In addition, investors should note that the Fund will continue to have a significant level of equity exposure up to, through and after its target retirement date, and this exposure could cause significant fluctuations in the value of the Fund depending on the performance of the equity markets generally.


After the Fund reaches its final target allocation, the Board of Trustees may authorize the merger of the Fund into another Lifecycle Fund which has also reached its final target allocation or other similar fund designed to maintain a relatively stable asset allocation reflecting the resting point on the glidepath described in the chart above. Fund shareholders will receive prior notice of any such merger.

Risk [Heading] rr_RiskHeading Principal investment risks
Risk Narrative [Text Block] rr_RiskNarrativeTextBlock

You could lose money over short or long periods by investing in this Fund. An investment in the Fund, due to the nature of the Fund’s portfolio holdings, typically is subject to the following principal investment risks:


· Asset Allocation Risk—The risk that the Fund may not achieve its target allocations. In addition, there is the risk that the asset allocations may not achieve the desired risk-return characteristic or that the selection of Underlying Funds and the allocations among them will result in the Fund underperforming other similar funds or cause an investor to lose money.


· Underlying Funds Risks—The Fund is exposed to the risks of the Underlying Funds in which it invests in direct proportion to the amount of assets the Fund allocates to each Underlying Fund.


· Equity Underlying Funds Risks—The risks of investing in equity Underlying Funds include risks specific to their investment strategies, as well as risks related to the equity markets in general, such as:


· market risk—The risk that the price of equity investments may decline in response to general market and economic conditions or events, including conditions and developments outside of the financial markets;


· issuer risk—The risk that an issuer’s earnings prospects and overall financial position will deteriorate, causing a decline in the value of the issuer’s financial instruments over short or extended periods of time; and


· foreign investment risk—The increased risks of adverse issuer, political, regulatory, currency, market or economic developments compared to investments in U.S. issuers, which can result in greater market and price volatility.


· Fixed-Income Underlying Funds Risks—The risks of investing in fixed-income Underlying Funds include risks specific to their investment strategies, as well as risks related to the fixed-income markets in general, such as:


· interest rate risk—The risk that the value or yield of fixed-income investments may decline if interest rates change, which could adversely affect a Fund’s income or the value of its holdings;


· extension risk—The risk that during periods of rising interest rates, borrowers may pay off their mortgage loans later than expected, preventing a Fund from reinvesting principal proceeds at higher interest rates and resulting in less income than potentially available;


· issuer risk—The risk that an issuer’s earnings prospects and overall financial position will deteriorate, causing a decline in the value of the issuer’s financial instruments over short or extended periods of time;


· credit risk—The risk that a decline in an issuer’s financial position may prevent it from making principal and interest payments on fixed-income investments held by a Fund when due;


· credit spread risk—The risk that credit spreads (i.e., the difference in yield between securities that is due to differences in each security’s respective credit quality) may increase when market participants believe that bonds generally have a greater risk of default, which could result in a decline in the market values of a Fund’s debt securities;


· income volatility risk—The risk that the level of current income from a Fund’s portfolio of fixed-income securities may decline due to rapid and unpredictable changes in prevailing market interest rates; and


· call risk—The risk that, during periods of falling interest rates, an issuer may call (or repay) a fixed-income security prior to maturity, resulting in a decline in a Fund’s income.


· Direct Real Estate Underlying Funds Risks—The risks of investing in direct real estate Underlying Funds include risks specific to their investment strategies, as well as risks related to investing in real estate in general, such as:


· real estate-related investment risk—The risks associated with exposure to direct real estate through investing in investment vehicles managed by Advisors that will primarily invest directly in real estate, which can include declines in real estate values or revenues, uninsured losses at properties, the absence of regulatory oversight of and a secondary market for interests in direct real estate Underlying Funds, a scarcity of interests issued by direct real estate Underlying Funds, making it difficult for the Fund to achieve its target allocation, and illiquidity of interests in direct real estate Underlying Funds.


· Active Management Risk—The risk that the strategy, investment selection or trading execution of Advisors could cause the Fund or an Underlying Fund to underperform its benchmark index or mutual funds with similar investment objectives.


· Fund of Funds Risk—The ability of the Fund to achieve its investment objective will depend in part upon the ability of the Underlying Funds to achieve their investment objectives. There can be no guarantee that any Underlying Fund will achieve its investment objective.


There can be no assurances that the Fund will achieve its investment objective. You should not consider the Fund to be a complete investment program. Please see the non-summary portion of the Prospectus for more detailed information about the risks described above, including the risks of the Underlying Funds.

Risk Lose Money [Text] rr_RiskLoseMoney You could lose money over short or long periods by investing in this Fund.
Bar Chart and Performance Table [Heading] rr_BarChartAndPerformanceTableHeading Past performance
Performance Narrative [Text Block] rr_PerformanceNarrativeTextBlock

The following chart and table help illustrate some of the risks of investing in the Fund by showing changes in the Fund’s performance from year to year. The bar chart shows the annual total returns of the Retirement Class of the Fund, before taxes, in each full calendar year since inception of the Retirement Class. Because the expenses vary across share classes, the performance of the Retirement Class may vary from the other share classes. Below the bar chart are the best and worst returns of the Retirement Class for a calendar quarter during the full calendar-year periods covered by the bar chart. The performance table following the bar chart shows the Fund’s average annual total returns for the Retirement, Institutional, Advisor and Premier classes over the applicable one-year, five-year, ten-year and since-inception periods ended December 31, 2018, and how those returns compare to those of a broad-based securities market index and a composite index that represents the market sectors in which the Fund invests across the equity and fixed-income asset classes. After-tax performance is shown only for the Retirement Class shares, and after-tax returns for the other classes of shares will vary from the after-tax returns presented for Retirement Class shares.


The returns shown below reflect previous agreements by Advisors to waive or reimburse the Fund and certain Underlying Funds for certain fees and expenses. Without these waivers and reimbursements, the returns of the Fund would have been lower. Past performance of the Fund (before and after taxes) is not necessarily an indication of how it will perform in the future. The indices listed below are unmanaged, and you cannot invest directly in an index. The returns for the indices reflect no deduction for fees, expenses or taxes.


For current performance information of each share class, including performance to the most recent month-end, please visit www.tiaa.org.

Performance Information Illustrates Variability of Returns [Text] rr_PerformanceInformationIllustratesVariabilityOfReturns The following chart and table help illustrate some of the risks of investing in the Fund by showing changes in the Fund’s performance from year to year.
Performance Additional Market Index [Text] rr_PerformanceAdditionalMarketIndex As of the close of business on December 31, 2018, the Lifecycle 2060 Fund Composite Index consisted of: 65.9% Russell 3000® Index; 28.2% MSCI All Country World Index ex USA Investable Market Index; and 5.9% Bloomberg Barclays U.S. Aggregate Bond Index. The Fund’s composite benchmark, the components that make up a composite benchmark and the method of calculating a composite benchmark’s performance may vary over time.
Performance Availability Website Address [Text] rr_PerformanceAvailabilityWebSiteAddress www.tiaa.org
Performance Past Does Not Indicate Future [Text] rr_PerformancePastDoesNotIndicateFuture Past performance of the Fund (before and after taxes) is not necessarily an indication of how it will perform in the future.
Bar Chart [Heading] rr_BarChartHeading ANNUAL TOTAL RETURNS FOR THE RETIREMENT CLASS SHARES (%)† Lifecycle 2060 Fund
Bar Chart Footnotes [Text Block] rr_BarChartFootnotesTextBlock

 The year-to-date return as of the most recent calendar quarter, which ended on June 30, 2019, was 16.49%.

Bar Chart Closing [Text Block] rr_BarChartClosingTextBlock

Best quarter: 6.77%, for the quarter ended March 31, 2017. Worst quarter: -14.70%, for the quarter ended December 31, 2018.

Year to Date Return, Label rr_YearToDateReturnLabel The year-to-date return as of the most recent calendar quarter, which ended on June 30, 2019, was
Bar Chart, Year to Date Return, Date rr_BarChartYearToDateReturnDate Jun. 30, 2019
Bar Chart, Year to Date Return rr_BarChartYearToDateReturn 16.49%
Highest Quarterly Return, Label rr_HighestQuarterlyReturnLabel Best quarter:
Highest Quarterly Return, Date rr_BarChartHighestQuarterlyReturnDate Mar. 31, 2017
Highest Quarterly Return rr_BarChartHighestQuarterlyReturn 6.77%
Lowest Quarterly Return, Label rr_LowestQuarterlyReturnLabel Worst quarter:
Lowest Quarterly Return, Date rr_BarChartLowestQuarterlyReturnDate Dec. 31, 2018
Lowest Quarterly Return rr_BarChartLowestQuarterlyReturn (14.70%)
Index No Deduction for Fees, Expenses, Taxes [Text] rr_IndexNoDeductionForFeesExpensesTaxes (reflects no deductions for fees, expenses or taxes)
Performance Table Uses Highest Federal Rate rr_PerformanceTableUsesHighestFederalRate After-tax returns are calculated using the historical highest individual federal marginal income tax rates in effect during the periods shown and do not reflect the impact of state and local taxes.
Performance Table Not Relevant to Tax Deferred rr_PerformanceTableNotRelevantToTaxDeferred The after-tax returns shown are not relevant to investors who hold their Fund shares through tax-deferred arrangements such as 401(a), 401(k) or 403(b) plans or Individual Retirement Accounts (IRAs).
Performance Table One Class of after Tax Shown [Text] rr_PerformanceTableOneClassOfAfterTaxShown After-tax performance is shown only for the Retirement Class shares, and after-tax returns for the other classes of shares will vary from the after-tax returns presented for Retirement Class shares.
Performance Table Closing [Text Block] rr_PerformanceTableClosingTextBlock

Current performance of the Fund’s shares may be higher or lower than that shown above.


After-tax returns are calculated using the historical highest individual federal marginal income tax rates in effect during the periods shown and do not reflect the impact of state and local taxes. Actual after-tax returns depend on the investor’s tax situation and may differ from those shown. The after-tax returns shown are not relevant to investors who hold their Fund shares through tax-deferred arrangements such as 401(a), 401(k) or 403(b) plans or Individual Retirement Accounts (IRAs). After-tax returns are shown for only one class, and after-tax returns for other classes will vary.

Average Annual Return, Caption rr_AverageAnnualReturnCaption AVERAGE ANNUAL TOTAL RETURNS For the Periods Ended December 31, 2018
TIAA-CREF Lifecycle 2060 Fund | S&P Target Date 2060+ Index  
Risk/Return: rr_RiskReturnAbstract  
1 Year rr_AverageAnnualReturnYear01 (7.95%)
Since Inception rr_AverageAnnualReturnSinceInception 4.99% [1]
TIAA-CREF Lifecycle 2060 Fund | Lifecycle 2060 Fund Composite Index (reflects no deductions for fees, expenses or taxes)  
Risk/Return: rr_RiskReturnAbstract  
1 Year rr_AverageAnnualReturnYear01 (7.59%) [2]
Since Inception rr_AverageAnnualReturnSinceInception 5.40% [1],[2]
TIAA-CREF Lifecycle 2060 Fund | Institutional Class  
Risk/Return: rr_RiskReturnAbstract  
Maximum sales charge imposed on purchases (percentage of offering price) rr_MaximumSalesChargeImposedOnPurchasesOverOfferingPrice none
Maximum deferred sales charge rr_MaximumDeferredSalesChargeOverOfferingPrice none
Maximum sales charge imposed on reinvested dividends and other distributions rr_MaximumSalesChargeOnReinvestedDividendsAndDistributionsOverOther none
Redemption or exchange fee rr_RedemptionFeeOverRedemption none
Maximum account fee rr_MaximumAccountFeeOverAssets none
Management fees rr_ManagementFeesOverAssets 0.50% [3],[4]
Other expenses rr_OtherExpensesOverAssets 0.18% [3],[4]
Acquired Fund fees and expenses rr_AcquiredFundFeesAndExpensesOverAssets 0.03% [5]
Total annual Fund operating expenses rr_ExpensesOverAssets 0.71%
Waivers and expense reimbursements rr_FeeWaiverOrReimbursementOverAssets (0.26%) [6],[7]
Total annual Fund operating expenses after fee waiver and/or expense reimbursement rr_NetExpensesOverAssets 0.45%
Expense Example, with Redemption, 1 Year rr_ExpenseExampleYear01 $ 46
Expense Example, with Redemption, 3 Years rr_ExpenseExampleYear03 179
Expense Example, with Redemption, 5 Years rr_ExpenseExampleYear05 348
Expense Example, with Redemption, 10 Years rr_ExpenseExampleYear10 $ 838
1 Year rr_AverageAnnualReturnYear01 (10.06%)
Since Inception rr_AverageAnnualReturnSinceInception 5.01%
Inception Date rr_AverageAnnualReturnInceptionDate Sep. 26, 2014
TIAA-CREF Lifecycle 2060 Fund | Advisor Class  
Risk/Return: rr_RiskReturnAbstract  
Maximum sales charge imposed on purchases (percentage of offering price) rr_MaximumSalesChargeImposedOnPurchasesOverOfferingPrice none
Maximum deferred sales charge rr_MaximumDeferredSalesChargeOverOfferingPrice none
Maximum sales charge imposed on reinvested dividends and other distributions rr_MaximumSalesChargeOnReinvestedDividendsAndDistributionsOverOther none
Redemption or exchange fee rr_RedemptionFeeOverRedemption none
Maximum account fee rr_MaximumAccountFeeOverAssets none
Management fees rr_ManagementFeesOverAssets 0.50% [3],[4]
Other expenses rr_OtherExpensesOverAssets 0.26% [3],[4]
Acquired Fund fees and expenses rr_AcquiredFundFeesAndExpensesOverAssets 0.03% [5]
Total annual Fund operating expenses rr_ExpensesOverAssets 0.79%
Waivers and expense reimbursements rr_FeeWaiverOrReimbursementOverAssets (0.26%) [6],[7]
Total annual Fund operating expenses after fee waiver and/or expense reimbursement rr_NetExpensesOverAssets 0.53%
Expense Example, with Redemption, 1 Year rr_ExpenseExampleYear01 $ 54
Expense Example, with Redemption, 3 Years rr_ExpenseExampleYear03 205
Expense Example, with Redemption, 5 Years rr_ExpenseExampleYear05 392
Expense Example, with Redemption, 10 Years rr_ExpenseExampleYear10 $ 933
1 Year rr_AverageAnnualReturnYear01 (10.16%)
Since Inception rr_AverageAnnualReturnSinceInception 4.93% [8]
Inception Date rr_AverageAnnualReturnInceptionDate Dec. 04, 2015
TIAA-CREF Lifecycle 2060 Fund | Premier Class  
Risk/Return: rr_RiskReturnAbstract  
Maximum sales charge imposed on purchases (percentage of offering price) rr_MaximumSalesChargeImposedOnPurchasesOverOfferingPrice none
Maximum deferred sales charge rr_MaximumDeferredSalesChargeOverOfferingPrice none
Maximum sales charge imposed on reinvested dividends and other distributions rr_MaximumSalesChargeOnReinvestedDividendsAndDistributionsOverOther none
Redemption or exchange fee rr_RedemptionFeeOverRedemption none
Maximum account fee rr_MaximumAccountFeeOverAssets none
Management fees rr_ManagementFeesOverAssets 0.50% [3],[4]
Distribution (Rule 12b-1) fees rr_DistributionAndService12b1FeesOverAssets 0.15%
Other expenses rr_OtherExpensesOverAssets 0.18% [3],[4]
Acquired Fund fees and expenses rr_AcquiredFundFeesAndExpensesOverAssets 0.03% [5]
Total annual Fund operating expenses rr_ExpensesOverAssets 0.86%
Waivers and expense reimbursements rr_FeeWaiverOrReimbursementOverAssets (0.26%) [6],[7]
Total annual Fund operating expenses after fee waiver and/or expense reimbursement rr_NetExpensesOverAssets 0.60%
Expense Example, with Redemption, 1 Year rr_ExpenseExampleYear01 $ 61
Expense Example, with Redemption, 3 Years rr_ExpenseExampleYear03 227
Expense Example, with Redemption, 5 Years rr_ExpenseExampleYear05 430
Expense Example, with Redemption, 10 Years rr_ExpenseExampleYear10 $ 1,017
1 Year rr_AverageAnnualReturnYear01 (10.27%)
Since Inception rr_AverageAnnualReturnSinceInception 4.86%
Inception Date rr_AverageAnnualReturnInceptionDate Sep. 26, 2014
TIAA-CREF Lifecycle 2060 Fund | Retirement Class  
Risk/Return: rr_RiskReturnAbstract  
Maximum sales charge imposed on purchases (percentage of offering price) rr_MaximumSalesChargeImposedOnPurchasesOverOfferingPrice none
Maximum deferred sales charge rr_MaximumDeferredSalesChargeOverOfferingPrice none
Maximum sales charge imposed on reinvested dividends and other distributions rr_MaximumSalesChargeOnReinvestedDividendsAndDistributionsOverOther none
Redemption or exchange fee rr_RedemptionFeeOverRedemption none
Maximum account fee rr_MaximumAccountFeeOverAssets none
Management fees rr_ManagementFeesOverAssets 0.50% [3],[4]
Other expenses rr_OtherExpensesOverAssets 0.43% [3],[4]
Acquired Fund fees and expenses rr_AcquiredFundFeesAndExpensesOverAssets 0.03% [5]
Total annual Fund operating expenses rr_ExpensesOverAssets 0.96%
Waivers and expense reimbursements rr_FeeWaiverOrReimbursementOverAssets (0.26%) [6],[7]
Total annual Fund operating expenses after fee waiver and/or expense reimbursement rr_NetExpensesOverAssets 0.70%
Expense Example, with Redemption, 1 Year rr_ExpenseExampleYear01 $ 72
Expense Example, with Redemption, 3 Years rr_ExpenseExampleYear03 258
Expense Example, with Redemption, 5 Years rr_ExpenseExampleYear05 484
Expense Example, with Redemption, 10 Years rr_ExpenseExampleYear10 $ 1,134
Annual Return 2015 rr_AnnualReturn2015 (0.03%)
Annual Return 2016 rr_AnnualReturn2016 8.09%
Annual Return 2017 rr_AnnualReturn2017 24.21%
Annual Return 2018 rr_AnnualReturn2018 (10.28%)
1 Year rr_AverageAnnualReturnYear01 (10.28%)
Since Inception rr_AverageAnnualReturnSinceInception 4.78%
Inception Date rr_AverageAnnualReturnInceptionDate Sep. 26, 2014
TIAA-CREF Lifecycle 2060 Fund | Retirement Class | After Taxes on Distributions  
Risk/Return: rr_RiskReturnAbstract  
1 Year rr_AverageAnnualReturnYear01 (11.24%)
Since Inception rr_AverageAnnualReturnSinceInception 3.56%
TIAA-CREF Lifecycle 2060 Fund | Retirement Class | After Taxes on Distributions and Sale of Fund Shares  
Risk/Return: rr_RiskReturnAbstract  
1 Year rr_AverageAnnualReturnYear01 (5.50%)
Since Inception rr_AverageAnnualReturnSinceInception 3.49%
[1] Performance is calculated from the inception date of the Retirement Class.
[2] As of the close of business on December 31, 2018, the Lifecycle 2060 Fund Composite Index consisted of: 65.9% Russell 3000® Index; 28.2% MSCI All Country World Index ex USA Investable Market Index; and 5.9% Bloomberg Barclays U.S. Aggregate Bond Index. The Fund's composite benchmark, the components that make up a composite benchmark and the method of calculating a composite benchmark's performance may vary over time.
[3] Portions of the Management fees and Other expenses are based on expenses originally incurred by Class W shares of the Underlying Funds (as defined below) of the Trust, which have been incurred directly by the Fund pursuant to certain contractual arrangements intended to reallocate directly to the Fund certain fees and expenses that had been paid by the Underlying Funds of the Trust. For additional information, please see the "Management of the Funds" section of this Prospectus.
[4] Restated to reflect estimates for the current fiscal year.
[5] "Acquired Fund fees and expenses" are the Fund's proportionate amount of the expenses of any investment companies or pools in which it invests (excluding expenses originally incurred by Class W of the Underlying Funds of the Trust that have been incurred directly by the Fund, which are instead reflected in Management fees and Other expenses). These expenses are not paid directly by Fund shareholders. Instead, Fund shareholders bear these expenses indirectly because they reduce Fund performance. Because "Acquired Fund fees and expenses" are included in the chart above, the Fund's operating expenses here will not correlate with the expenses included in the Financial highlights in this Prospectus and the Fund's annual report.
[6] Advisors has contractually agreed to waive 0.10% of the Fund's Management fee. This waiver will remain in effect through September 30, 2022, unless changed with the approval of the Board of Trustees.
[7] Under the Fund's expense reimbursement arrangements, the Fund's investment adviser, Teachers Advisors, LLC ("Advisors"), has contractually agreed to reimburse the Fund for any Total annual Fund operating expenses (excluding interest, taxes, brokerage commissions or other transactional expenses, Acquired Fund fees and expenses, extraordinary expenses and any expenses originally attributable to Class W shares of the Underlying Funds of the Trust that were incurred directly by the Fund) that exceed: (i) 0.00% of average daily net assets for Institutional Class shares; (ii) 0.15% of average daily net assets for Advisor Class shares; (iii) 0.15% of average daily net assets for Premier Class shares; and (iv) 0.25% of average daily net assets for Retirement Class shares of the Fund. These expense reimbursement arrangements will continue through at least September 30, 2020, unless changed with approval of the Board of Trustees.
[8] The performance shown for the Advisor Class that is prior to its inception date is based on performance of the Fund's Retirement Class. The performance for these periods has not been restated to reflect the lower expenses of the Advisor Class.Performance is calculated from the inception date of the Retirement Class.
XML 69 R71.htm IDEA: XBRL DOCUMENT v3.19.3
Label Element Value
TIAA-CREF Lifecycle 2050 Fund  
Risk/Return: rr_RiskReturnAbstract  
Risk/Return [Heading] rr_RiskReturnHeading TIAA-CREF Lifecycle 2050 Fund
Objective [Heading] rr_ObjectiveHeading Investment objective
Objective, Primary [Text Block] rr_ObjectivePrimaryTextBlock

The Lifecycle 2050 Fund seeks high total return over time through a combination of capital appreciation and income.

Expense [Heading] rr_ExpenseHeading Fees and expenses
Expense Narrative [Text Block] rr_ExpenseNarrativeTextBlock

This table describes the fees and expenses that you may pay if you buy and hold shares of the Fund. In addition to the fees and expenses described below, investors may be required to pay a commission to a broker-dealer or other financial intermediary on purchases and sales of Institutional Class or Advisor Class shares of the Fund.

Shareholder Fees Caption [Text] rr_ShareholderFeesCaption SHAREHOLDER FEES (fees paid directly from your investment)
Operating Expenses Caption [Text] rr_OperatingExpensesCaption ANNUAL FUND OPERATING EXPENSES (expenses that you pay each year as a percentage of the value of your investment)
Fee Waiver or Reimbursement over Assets, Date of Termination rr_FeeWaiverOrReimbursementOverAssetsDateOfTermination Sep. 30, 2020
Portfolio Turnover [Heading] rr_PortfolioTurnoverHeading Portfolio turnover
Portfolio Turnover [Text Block] rr_PortfolioTurnoverTextBlock

The Fund pays transaction costs, such as commissions, when it buys and sells securities (or “turns over” its portfolio). A higher portfolio turnover rate may indicate higher transaction costs and may result in higher taxes when Fund shares are held in a taxable account. These costs, which are not reflected in annual fund operating expenses or in the example, affect the Fund’s performance. During the fiscal year ended May 31, 2019, the Fund’s portfolio turnover rate was 12% of the average value of its portfolio.

Portfolio Turnover, Rate rr_PortfolioTurnoverRate 12.00%
Expenses Restated to Reflect Current [Text] rr_ExpensesRestatedToReflectCurrent Restated to reflect estimates for the current fiscal year.
Expenses Not Correlated to Ratio Due to Acquired Fund Fees [Text] rr_ExpensesNotCorrelatedToRatioDueToAcquiredFundFees “Acquired Fund fees and expenses” are the Fund’s proportionate amount of the expenses of any investment companies or pools in which it invests (excluding expenses originally incurred by Class W of the Underlying Funds of the Trust that have been incurred directly by the Fund, which are instead reflected in Management fees and Other expenses). These expenses are not paid directly by Fund shareholders. Instead, Fund shareholders bear these expenses indirectly because they reduce Fund performance. Because “Acquired Fund fees and expenses” are included in the chart above, the Fund’s operating expenses here will not correlate with the expenses included in the Financial highlights in this Prospectus and the Fund’s annual report.
Expense Example [Heading] rr_ExpenseExampleHeading Example
Expense Example Narrative [Text Block] rr_ExpenseExampleNarrativeTextBlock

This example is intended to help you compare the cost of investing in shares of the Fund with the cost of investing in other mutual funds. The example assumes that you invest $10,000 in the Fund for the time periods indicated and then redeem all your shares at the end of those periods. The example also assumes that your investment has a 5% return each year and that the Fund’s operating expenses, before fee waivers and/or expense reimbursements, remain the same. The example assumes that the Fund’s fee waiver and/or expense reimbursement arrangements will each remain in place for the durations noted in the table above. Although your actual costs may be higher or lower, based on these assumptions your costs would be:

Strategy [Heading] rr_StrategyHeading Principal investment strategies
Strategy Narrative [Text Block] rr_StrategyNarrativeTextBlock

The Fund is a “fund of funds” that invests in Class W shares of other funds of the Trust and in other investment pools or investment products, potentially including other funds advised by the Fund’s investment adviser, Teachers Advisors, LLC (“Advisors”), or its affiliates (collectively, the “Underlying Funds”). In general, the Fund is designed for investors who have an approximate target retirement year in mind, and the Fund’s investments are adjusted from more aggressive to more conservative over time as the Fund’s target retirement year approaches and for approximately 30 years afterwards. The Fund invests in Underlying Funds according to an asset allocation strategy designed for investors retiring in, or planning to retire within a few years of, 2050 and who may begin taking systematic withdrawals upon retirement.


Advisors currently expects to allocate approximately 91.25% of the Fund’s assets to equity Underlying Funds, 3.75% of its assets to fixed-income Underlying Funds and 5.00% of its assets to direct real estate Underlying Funds. These allocations represent targets for equity, fixed-income and direct real estate asset classes. Target allocations will change over time and actual allocations may vary up to ten percentage points from the targets. The target allocations along the investment glidepath, illustrated in the chart below, gradually become more conservative, moving to target allocations of approximately 45.00% equity/50.00% fixed-income/5.00% direct real estate in the Fund’s target retirement year of 2050 and reaching the Fund’s final target allocation of approximately 20.00% equity/80.00% fixed-income/0.00% direct real estate in 2080. Within the equity, fixed-income and direct real estate asset classes, Advisors allocates the Fund’s investments to particular market sectors (U.S. equity, international equity, fixed-income, short-term fixed-income, inflation-protected assets and direct real estate) represented by various Underlying Funds. These market sector allocations may vary by up to 10% from the Fund’s target market sector allocations. The Fund’s current target market sector allocations for June 30, 2020, which will change over time, are approximately as follows: U.S. Equity: 63.87%; International Equity: 27.38%; Fixed-Income: 3.75%; Short-Term Fixed-Income: 0.00%; Inflation-Protected Assets: 0.00%; and Direct Real Estate: 5.00%. The asset class and market sector names used herein are intended to reflect the primary type of investment of the Underlying Funds within each of these categories.


The Fund’s target market sector allocations to Underlying Funds may include the TIAA-CREF Growth & Income Fund, Large-Cap Growth Fund, Large-Cap Value Fund, Quant Large-Cap Growth Fund, Quant Large-Cap Value Fund, Quant Small-Cap Equity Fund and Quant Small/Mid-Cap Equity Fund (U.S. Equity); Emerging Markets Equity Fund, International Equity Fund, International Opportunities Fund, Quant International Equity Fund and Quant International Small-Cap Equity Fund (International Equity); Bond Fund, Bond Plus Fund, Emerging Markets Debt Fund, High-Yield Fund and International Bond Fund (Fixed-Income); Money Market Fund and Short-Term Bond Fund (Short-Term Fixed-Income); Inflation-Linked Bond Fund (Inflation-Protected Assets); and Real Property Fund LP (Direct Real Estate). TIAA-CREF Real Property Fund LP is a private fund, which is not available for investment by the general public; it is currently offered exclusively to investment pools or investment products managed by Advisors or its affiliates.


Additional or replacement Underlying Funds for each market sector, as well as additional or replacement market sectors, may be included when making future allocations if Advisors believes that such Underlying Funds and/or market sectors are appropriate in light of the Fund’s desired levels of risk and potential return at the particular time. The Fund’s portfolio management team may also add a new market sector if it believes that will help to achieve the Fund’s investment objective. The relative allocations among Underlying Funds within a market sector may be changed at any time without notice to shareholders, and the portfolio management team may use tactical allocation to take advantage of short to intermediate term opportunities through a combination of positions in Underlying Funds. If 10% or more of the Fund’s assets are expected to be invested in any Underlying Fund or market sector not listed above, shareholders will receive prior notice of such change.


The Fund’s asset class allocations, market sector allocations within each asset class, and Underlying Fund allocations within each market sector, as of June 30, 2019, are listed in the chart below. These allocations will change over time. Underlying Fund allocations in particular may change from year to year.


        

Asset Class

Allocation

  

Market Sector

Allocation

 

Underlying Funds

Allocation

Equity

91.63%

 

U.S. Equity

64.24%

 

Ÿ Growth & Income Fund

13.47%

      

Ÿ Large-Cap Growth Fund

12.15%

      

Ÿ Large-Cap Value Fund

11.78%

      

Ÿ Quant Large-Cap Growth Fund

10.63%

      

Ÿ Quant Large-Cap Value Fund

10.32%

      

Ÿ Quant Small-Cap Equity Fund

3.30%

      

Ÿ Quant Small/Mid-Cap Equity Fund

2.59%

   

International Equity

27.39%

 

Ÿ Quant International Equity Fund

7.15%

      

Ÿ International Equity Fund

5.96%

      

Ÿ International Opportunities Fund

5.94%

      

Ÿ Emerging Markets Equity Fund

4.69%

      

Ÿ Quant International Small-Cap Equity Fund

3.65%

Fixed-Income

3.76%

 

Fixed-Income

3.76%

 

Ÿ Bond Fund

1.97%

      

Ÿ Bond Plus Fund

1.22%

      

Ÿ Emerging Markets Debt Fund

0.31%

      

Ÿ International Bond Fund

0.20%

      

Ÿ High-Yield Fund

0.06%

Real Estate

4.61%

 

Direct Real Estate

4.61%

 

Ÿ TIAA-CREF Real Property Fund LP

4.61%


        

Total

100.00%

  

100.00%

  

100.00%


The following chart shows how the investment glidepath for the Fund is expected to gradually move the Fund’s target allocations over time between the different target market sector allocations. The actual market sector allocations of the Fund may differ from this chart. The Fund seeks to achieve its final target market sector allocations approximately 30 years following the target date.


Lifecycle Funds Glidepath as of June 30, 2020
Years to Target Retirement Date US Equities International Equities Direct Real Estate Fixed Income Short Term Fixed Income Inflation Protected Bonds
45 66.50% 28.50% 5.00% 0.00% 0.00% 0.00%
40 65.62% 28.13% 5.00% 1.25% 0.00% 0.00%
35 64.75% 27.75% 5.00% 2.50% 0.00% 0.00%
30 63.87% 27.38% 5.00% 3.75% 0.00% 0.00%
25 63.00% 27.00% 5.00% 5.00% 0.00% 0.00%
20 56.70% 24.30% 5.00% 14.00% 0.00% 0.00%
15 50.40% 21.60% 5.00% 23.00% 0.00% 0.00%
10 44.10% 18.90% 5.00% 28.00% 2.00% 2.00%
5 37.80% 16.20% 5.00% 33.00% 4.00% 4.00%
0 31.50% 13.50% 5.00% 38.00% 6.00% 6.00%
-5 28.00% 12.00% 5.00% 39.00% 8.00% 8.00%
-10 24.50% 10.50% 5.00% 40.00% 10.00% 10.00%
-15 22.75% 9.75% 2.50% 40.00% 15.00% 10.00%
-20 21.00% 9.00% 0.00% 40.00% 20.00% 10.00%
-25 17.50% 7.50% 0.00% 40.00% 25.00% 10.00%
-30 14.00% 6.00% 0.00% 40.00% 30.00% 10.00%

The Fund is designed to accommodate investors who invest in a fund up to their target retirement date, and plan to make gradual systematic withdrawals in retirement. In addition, investors should note that the Fund will continue to have a significant level of equity exposure up to, through and after its target retirement date, and this exposure could cause significant fluctuations in the value of the Fund depending on the performance of the equity markets generally.


After the Fund reaches its final target allocation, the Board of Trustees may authorize the merger of the Fund into another Lifecycle Fund which has also reached its final target allocation or other similar fund designed to maintain a relatively stable asset allocation reflecting the resting point on the glidepath described in the chart above. Fund shareholders will receive prior notice of any such merger.

Risk [Heading] rr_RiskHeading Principal investment risks
Risk Narrative [Text Block] rr_RiskNarrativeTextBlock

You could lose money over short or long periods by investing in this Fund. An investment in the Fund, due to the nature of the Fund’s portfolio holdings, typically is subject to the following principal investment risks:


· Asset Allocation Risk—The risk that the Fund may not achieve its target allocations. In addition, there is the risk that the asset allocations may not achieve the desired risk-return characteristic or that the selection of Underlying Funds and the allocations among them will result in the Fund underperforming other similar funds or cause an investor to lose money.


· Underlying Funds Risks—The Fund is exposed to the risks of the Underlying Funds in which it invests in direct proportion to the amount of assets the Fund allocates to each Underlying Fund.


· Equity Underlying Funds Risks—The risks of investing in equity Underlying Funds include risks specific to their investment strategies, as well as risks related to the equity markets in general, such as:


· market risk—The risk that the price of equity investments may decline in response to general market and economic conditions or events, including conditions and developments outside of the financial markets;


· issuer risk—The risk that an issuer’s earnings prospects and overall financial position will deteriorate, causing a decline in the value of the issuer’s financial instruments over short or extended periods of time; and


· foreign investment risk—The increased risks of adverse issuer, political, regulatory, currency, market or economic developments compared to investments in U.S. issuers, which can result in greater market and price volatility.


· Fixed-Income Underlying Funds Risks—The risks of investing in fixed-income Underlying Funds include risks specific to their investment strategies, as well as risks related to the fixed-income markets in general, such as:


· interest rate risk—The risk that the value or yield of fixed-income investments may decline if interest rates change, which could adversely affect a Fund’s income or the value of its holdings;


· extension risk—The risk that during periods of rising interest rates, borrowers may pay off their mortgage loans later than expected, preventing a Fund from reinvesting principal proceeds at higher interest rates and resulting in less income than potentially available;


· issuer risk—The risk that an issuer’s earnings prospects and overall financial position will deteriorate, causing a decline in the value of the issuer’s financial instruments over short or extended periods of time;


· credit risk—The risk that a decline in an issuer’s financial position may prevent it from making principal and interest payments on fixed-income investments held by a Fund when due;


· credit spread risk—The risk that credit spreads (i.e., the difference in yield between securities that is due to differences in each security’s respective credit quality) may increase when market participants believe that bonds generally have a greater risk of default, which could result in a decline in the market values of a Fund’s debt securities;


· income volatility risk—The risk that the level of current income from a Fund’s portfolio of fixed-income securities may decline due to rapid and unpredictable changes in prevailing market interest rates; and


· call risk—The risk that, during periods of falling interest rates, an issuer may call (or repay) a fixed-income security prior to maturity, resulting in a decline in a Fund’s income.


· Direct Real Estate Underlying Funds Risks—The risks of investing in direct real estate Underlying Funds include risks specific to their investment strategies, as well as risks related to investing in real estate in general, such as:


· real estate-related investment risk—The risks associated with exposure to direct real estate through investing in investment vehicles managed by Advisors that will primarily invest directly in real estate, which can include declines in real estate values or revenues, uninsured losses at properties, the absence of regulatory oversight of and a secondary market for interests in direct real estate Underlying Funds, a scarcity of interests issued by direct real estate Underlying Funds, making it difficult for the Fund to achieve its target allocation, and illiquidity of interests in direct real estate Underlying Funds.


· Active Management Risk—The risk that the strategy, investment selection or trading execution of Advisors could cause the Fund or an Underlying Fund to underperform its benchmark index or mutual funds with similar investment objectives.


· Fund of Funds Risk—The ability of the Fund to achieve its investment objective will depend in part upon the ability of the Underlying Funds to achieve their investment objectives. There can be no guarantee that any Underlying Fund will achieve its investment objective.


There can be no assurances that the Fund will achieve its investment objective. You should not consider the Fund to be a complete investment program. Please see the non-summary portion of the Prospectus for more detailed information about the risks described above, including the risks of the Underlying Funds.

Risk Lose Money [Text] rr_RiskLoseMoney You could lose money over short or long periods by investing in this Fund.
Bar Chart and Performance Table [Heading] rr_BarChartAndPerformanceTableHeading Past performance
Performance Narrative [Text Block] rr_PerformanceNarrativeTextBlock

The following chart and table help illustrate some of the risks of investing in the Fund by showing changes in the Fund’s performance from year to year. The bar chart shows the annual total returns of the Retirement Class of the Fund, before taxes, in each full calendar year for the last ten years. Because the expenses vary across share classes, the performance of the Retirement Class may vary from the other share classes. Below the bar chart are the best and worst returns of the Retirement Class for a calendar quarter during the full calendar-year periods covered by the bar chart. The performance table following the bar chart shows the Fund’s average annual total returns for the Retirement, Institutional, Advisor and Premier classes over the applicable one-year, five-year, ten-year and since-inception periods ended December 31, 2018, and how those returns compare to those of a broad-based securities market index and a composite index that represents the market sectors in which the Fund invests across the equity and fixed-income asset classes. After-tax performance is shown only for the Retirement Class shares, and after-tax returns for the other classes of shares will vary from the after-tax returns presented for Retirement Class shares.


The returns shown below reflect previous agreements by Advisors to waive or reimburse the Fund and certain Underlying Funds for certain fees and expenses. Without these waivers and reimbursements, the returns of the Fund would have been lower. Past performance of the Fund (before and after taxes) is not necessarily an indication of how it will perform in the future. The indices listed below are unmanaged, and you cannot invest directly in an index. The returns for the indices reflect no deduction for fees, expenses or taxes.


For current performance information of each share class, including performance to the most recent month-end, please visit www.tiaa.org.

Performance Information Illustrates Variability of Returns [Text] rr_PerformanceInformationIllustratesVariabilityOfReturns The following chart and table help illustrate some of the risks of investing in the Fund by showing changes in the Fund’s performance from year to year.
Performance Additional Market Index [Text] rr_PerformanceAdditionalMarketIndex As of the close of business on December 31, 2018, the Lifecycle 2050 Fund Composite Index consisted of: 64.1% Russell 3000® Index; 27.5% MSCI All Country World Index ex USA Investable Market Index; and 8.4% Bloomberg Barclays U.S. Aggregate Bond Index. The Fund’s composite benchmark, the components that make up a composite benchmark and the method of calculating a composite benchmark’s performance may vary over time.
Performance Availability Website Address [Text] rr_PerformanceAvailabilityWebSiteAddress www.tiaa.org
Performance Past Does Not Indicate Future [Text] rr_PerformancePastDoesNotIndicateFuture Past performance of the Fund (before and after taxes) is not necessarily an indication of how it will perform in the future.
Bar Chart [Heading] rr_BarChartHeading ANNUAL TOTAL RETURNS FOR THE RETIREMENT CLASS SHARES (%)† Lifecycle 2050 Fund
Bar Chart Footnotes [Text Block] rr_BarChartFootnotesTextBlock

 The year-to-date return as of the most recent calendar quarter, which ended on June 30, 2019, was 16.25%.

Bar Chart Closing [Text Block] rr_BarChartClosingTextBlock

Best quarter: 17.30%, for the quarter ended June 30, 2009. Worst quarter: -16.40%, for the quarter ended September 30, 2011.

Year to Date Return, Label rr_YearToDateReturnLabel The year-to-date return as of the most recent calendar quarter, which ended on June 30, 2019, was
Bar Chart, Year to Date Return, Date rr_BarChartYearToDateReturnDate Jun. 30, 2019
Bar Chart, Year to Date Return rr_BarChartYearToDateReturn 16.25%
Highest Quarterly Return, Label rr_HighestQuarterlyReturnLabel Best quarter:
Highest Quarterly Return, Date rr_BarChartHighestQuarterlyReturnDate Jun. 30, 2009
Highest Quarterly Return rr_BarChartHighestQuarterlyReturn 17.30%
Lowest Quarterly Return, Label rr_LowestQuarterlyReturnLabel Worst quarter:
Lowest Quarterly Return, Date rr_BarChartLowestQuarterlyReturnDate Sep. 30, 2011
Lowest Quarterly Return rr_BarChartLowestQuarterlyReturn (16.40%)
Index No Deduction for Fees, Expenses, Taxes [Text] rr_IndexNoDeductionForFeesExpensesTaxes (reflects no deductions for fees, expenses or taxes)
Performance Table Uses Highest Federal Rate rr_PerformanceTableUsesHighestFederalRate After-tax returns are calculated using the historical highest individual federal marginal income tax rates in effect during the periods shown and do not reflect the impact of state and local taxes.
Performance Table Not Relevant to Tax Deferred rr_PerformanceTableNotRelevantToTaxDeferred The after-tax returns shown are not relevant to investors who hold their Fund shares through tax-deferred arrangements such as 401(a), 401(k) or 403(b) plans or Individual Retirement Accounts (IRAs).
Performance Table One Class of after Tax Shown [Text] rr_PerformanceTableOneClassOfAfterTaxShown After-tax performance is shown only for the Retirement Class shares, and after-tax returns for the other classes of shares will vary from the after-tax returns presented for Retirement Class shares.
Performance Table Closing [Text Block] rr_PerformanceTableClosingTextBlock

Current performance of the Fund’s shares may be higher or lower than that shown above.


After-tax returns are calculated using the historical highest individual federal marginal income tax rates in effect during the periods shown and do not reflect the impact of state and local taxes. Actual after-tax returns depend on the investor’s tax situation and may differ from those shown. The after-tax returns shown are not relevant to investors who hold their Fund shares through tax-deferred arrangements such as 401(a), 401(k) or 403(b) plans or Individual Retirement Accounts (IRAs). After-tax returns are shown for only one class, and after-tax returns for other classes will vary.

Average Annual Return, Caption rr_AverageAnnualReturnCaption AVERAGE ANNUAL TOTAL RETURNS For the Periods Ended December 31, 2018
TIAA-CREF Lifecycle 2050 Fund | S&P Target Date 2050 Index  
Risk/Return: rr_RiskReturnAbstract  
1 Year rr_AverageAnnualReturnYear01 (7.94%)
5 Years rr_AverageAnnualReturnYear05 5.01%
10 Years rr_AverageAnnualReturnYear10 10.02%
TIAA-CREF Lifecycle 2050 Fund | Lifecycle 2050 Fund Composite Index (reflects no deductions for fees, expenses or taxes)  
Risk/Return: rr_RiskReturnAbstract  
1 Year rr_AverageAnnualReturnYear01 (7.38%) [1]
5 Years rr_AverageAnnualReturnYear05 5.59% [1]
10 Years rr_AverageAnnualReturnYear10 10.52% [1]
TIAA-CREF Lifecycle 2050 Fund | Institutional Class  
Risk/Return: rr_RiskReturnAbstract  
Maximum sales charge imposed on purchases (percentage of offering price) rr_MaximumSalesChargeImposedOnPurchasesOverOfferingPrice none
Maximum deferred sales charge rr_MaximumDeferredSalesChargeOverOfferingPrice none
Maximum sales charge imposed on reinvested dividends and other distributions rr_MaximumSalesChargeOnReinvestedDividendsAndDistributionsOverOther none
Redemption or exchange fee rr_RedemptionFeeOverRedemption none
Maximum account fee rr_MaximumAccountFeeOverAssets none
Management fees rr_ManagementFeesOverAssets 0.50% [2],[3]
Other expenses rr_OtherExpensesOverAssets 0.04% [2],[3]
Acquired Fund fees and expenses rr_AcquiredFundFeesAndExpensesOverAssets 0.03% [4]
Total annual Fund operating expenses rr_ExpensesOverAssets 0.57%
Waivers and expense reimbursements rr_FeeWaiverOrReimbursementOverAssets (0.12%) [5],[6]
Total annual Fund operating expenses after fee waiver and/or expense reimbursement rr_NetExpensesOverAssets 0.45%
Expense Example, with Redemption, 1 Year rr_ExpenseExampleYear01 $ 46
Expense Example, with Redemption, 3 Years rr_ExpenseExampleYear03 149
Expense Example, with Redemption, 5 Years rr_ExpenseExampleYear05 285
Expense Example, with Redemption, 10 Years rr_ExpenseExampleYear10 $ 681
1 Year rr_AverageAnnualReturnYear01 (9.82%)
5 Years rr_AverageAnnualReturnYear05 4.85%
10 Years rr_AverageAnnualReturnYear10 10.37%
Inception Date rr_AverageAnnualReturnInceptionDate Nov. 30, 2007
TIAA-CREF Lifecycle 2050 Fund | Advisor Class  
Risk/Return: rr_RiskReturnAbstract  
Maximum sales charge imposed on purchases (percentage of offering price) rr_MaximumSalesChargeImposedOnPurchasesOverOfferingPrice none
Maximum deferred sales charge rr_MaximumDeferredSalesChargeOverOfferingPrice none
Maximum sales charge imposed on reinvested dividends and other distributions rr_MaximumSalesChargeOnReinvestedDividendsAndDistributionsOverOther none
Redemption or exchange fee rr_RedemptionFeeOverRedemption none
Maximum account fee rr_MaximumAccountFeeOverAssets none
Management fees rr_ManagementFeesOverAssets 0.50% [2],[3]
Other expenses rr_OtherExpensesOverAssets 0.12% [2],[3]
Acquired Fund fees and expenses rr_AcquiredFundFeesAndExpensesOverAssets 0.03% [4]
Total annual Fund operating expenses rr_ExpensesOverAssets 0.65%
Waivers and expense reimbursements rr_FeeWaiverOrReimbursementOverAssets (0.12%) [5],[6]
Total annual Fund operating expenses after fee waiver and/or expense reimbursement rr_NetExpensesOverAssets 0.53%
Expense Example, with Redemption, 1 Year rr_ExpenseExampleYear01 $ 54
Expense Example, with Redemption, 3 Years rr_ExpenseExampleYear03 174
Expense Example, with Redemption, 5 Years rr_ExpenseExampleYear05 329
Expense Example, with Redemption, 10 Years rr_ExpenseExampleYear10 $ 779
1 Year rr_AverageAnnualReturnYear01 (9.83%)
5 Years rr_AverageAnnualReturnYear05 4.72% [7]
10 Years rr_AverageAnnualReturnYear10 10.17% [7]
Inception Date rr_AverageAnnualReturnInceptionDate Dec. 04, 2015
TIAA-CREF Lifecycle 2050 Fund | Premier Class  
Risk/Return: rr_RiskReturnAbstract  
Maximum sales charge imposed on purchases (percentage of offering price) rr_MaximumSalesChargeImposedOnPurchasesOverOfferingPrice none
Maximum deferred sales charge rr_MaximumDeferredSalesChargeOverOfferingPrice none
Maximum sales charge imposed on reinvested dividends and other distributions rr_MaximumSalesChargeOnReinvestedDividendsAndDistributionsOverOther none
Redemption or exchange fee rr_RedemptionFeeOverRedemption none
Maximum account fee rr_MaximumAccountFeeOverAssets none
Management fees rr_ManagementFeesOverAssets 0.50% [2],[3]
Distribution (Rule 12b-1) fees rr_DistributionAndService12b1FeesOverAssets 0.15%
Other expenses rr_OtherExpensesOverAssets 0.04% [2],[3]
Acquired Fund fees and expenses rr_AcquiredFundFeesAndExpensesOverAssets 0.03% [4]
Total annual Fund operating expenses rr_ExpensesOverAssets 0.72%
Waivers and expense reimbursements rr_FeeWaiverOrReimbursementOverAssets (0.12%) [5],[6]
Total annual Fund operating expenses after fee waiver and/or expense reimbursement rr_NetExpensesOverAssets 0.60%
Expense Example, with Redemption, 1 Year rr_ExpenseExampleYear01 $ 61
Expense Example, with Redemption, 3 Years rr_ExpenseExampleYear03 197
Expense Example, with Redemption, 5 Years rr_ExpenseExampleYear05 367
Expense Example, with Redemption, 10 Years rr_ExpenseExampleYear10 $ 863
1 Year rr_AverageAnnualReturnYear01 (9.93%)
5 Years rr_AverageAnnualReturnYear05 4.70%
10 Years rr_AverageAnnualReturnYear10 10.20% [7]
Inception Date rr_AverageAnnualReturnInceptionDate Sep. 30, 2009
TIAA-CREF Lifecycle 2050 Fund | Retirement Class  
Risk/Return: rr_RiskReturnAbstract  
Maximum sales charge imposed on purchases (percentage of offering price) rr_MaximumSalesChargeImposedOnPurchasesOverOfferingPrice none
Maximum deferred sales charge rr_MaximumDeferredSalesChargeOverOfferingPrice none
Maximum sales charge imposed on reinvested dividends and other distributions rr_MaximumSalesChargeOnReinvestedDividendsAndDistributionsOverOther none
Redemption or exchange fee rr_RedemptionFeeOverRedemption none
Maximum account fee rr_MaximumAccountFeeOverAssets none
Management fees rr_ManagementFeesOverAssets 0.50% [2],[3]
Other expenses rr_OtherExpensesOverAssets 0.29% [2],[3]
Acquired Fund fees and expenses rr_AcquiredFundFeesAndExpensesOverAssets 0.03% [4]
Total annual Fund operating expenses rr_ExpensesOverAssets 0.82%
Waivers and expense reimbursements rr_FeeWaiverOrReimbursementOverAssets (0.12%) [5],[6]
Total annual Fund operating expenses after fee waiver and/or expense reimbursement rr_NetExpensesOverAssets 0.70%
Expense Example, with Redemption, 1 Year rr_ExpenseExampleYear01 $ 72
Expense Example, with Redemption, 3 Years rr_ExpenseExampleYear03 228
Expense Example, with Redemption, 5 Years rr_ExpenseExampleYear05 422
Expense Example, with Redemption, 10 Years rr_ExpenseExampleYear10 $ 982
Annual Return 2009 rr_AnnualReturn2009 28.05%
Annual Return 2010 rr_AnnualReturn2010 15.03%
Annual Return 2011 rr_AnnualReturn2011 (3.80%)
Annual Return 2012 rr_AnnualReturn2012 17.24%
Annual Return 2013 rr_AnnualReturn2013 25.98%
Annual Return 2014 rr_AnnualReturn2014 4.26%
Annual Return 2015 rr_AnnualReturn2015 (0.06%)
Annual Return 2016 rr_AnnualReturn2016 7.91%
Annual Return 2017 rr_AnnualReturn2017 23.62%
Annual Return 2018 rr_AnnualReturn2018 (9.98%)
1 Year rr_AverageAnnualReturnYear01 (9.98%)
5 Years rr_AverageAnnualReturnYear05 4.59%
10 Years rr_AverageAnnualReturnYear10 10.11%
Inception Date rr_AverageAnnualReturnInceptionDate Nov. 30, 2007
TIAA-CREF Lifecycle 2050 Fund | Retirement Class | After Taxes on Distributions  
Risk/Return: rr_RiskReturnAbstract  
1 Year rr_AverageAnnualReturnYear01 (11.10%)
5 Years rr_AverageAnnualReturnYear05 3.37%
10 Years rr_AverageAnnualReturnYear10 9.13%
TIAA-CREF Lifecycle 2050 Fund | Retirement Class | After Taxes on Distributions and Sale of Fund Shares  
Risk/Return: rr_RiskReturnAbstract  
1 Year rr_AverageAnnualReturnYear01 (5.25%)
5 Years rr_AverageAnnualReturnYear05 3.35%
10 Years rr_AverageAnnualReturnYear10 8.13%
[1] As of the close of business on December 31, 2018, the Lifecycle 2050 Fund Composite Index consisted of: 64.1% Russell 3000® Index; 27.5% MSCI All Country World Index ex USA Investable Market Index; and 8.4% Bloomberg Barclays U.S. Aggregate Bond Index. The Fund's composite benchmark, the components that make up a composite benchmark and the method of calculating a composite benchmark's performance may vary over time.
[2] Portions of the Management fees and Other expenses are based on expenses originally incurred by Class W shares of the Underlying Funds (as defined below) of the Trust, which have been incurred directly by the Fund pursuant to certain contractual arrangements intended to reallocate directly to the Fund certain fees and expenses that had been paid by the Underlying Funds of the Trust. For additional information, please see the "Management of the Funds" section of this Prospectus.
[3] Restated to reflect estimates for the current fiscal year.
[4] "Acquired Fund fees and expenses" are the Fund's proportionate amount of the expenses of any investment companies or pools in which it invests (excluding expenses originally incurred by Class W of the Underlying Funds of the Trust that have been incurred directly by the Fund, which are instead reflected in Management fees and Other expenses). These expenses are not paid directly by Fund shareholders. Instead, Fund shareholders bear these expenses indirectly because they reduce Fund performance. Because "Acquired Fund fees and expenses" are included in the chart above, the Fund's operating expenses here will not correlate with the expenses included in the Financial highlights in this Prospectus and the Fund's annual report.
[5] Advisors has contractually agreed to waive 0.10% of the Fund's Management fee. This waiver will remain in effect through September 30, 2022, unless changed with the approval of the Board of Trustees.
[6] Under the Fund's expense reimbursement arrangements, the Fund's investment adviser, Teachers Advisors, LLC ("Advisors"), has contractually agreed to reimburse the Fund for any Total annual Fund operating expenses (excluding interest, taxes, brokerage commissions or other transactional expenses, Acquired Fund fees and expenses, extraordinary expenses and any expenses originally attributable to Class W shares of the Underlying Funds of the Trust that were incurred directly by the Fund) that exceed: (i) 0.00% of average daily net assets for Institutional Class shares; (ii) 0.15% of average daily net assets for Advisor Class shares; (iii) 0.15% of average daily net assets for Premier Class shares; and (iv) 0.25% of average daily net assets for Retirement Class shares of the Fund. These expense reimbursement arrangements will continue through at least September 30, 2020, unless changed with approval of the Board of Trustees.
[7] The performance shown for the Advisor and Premier classes that is prior to their inception dates is based on performance of the Fund's Retirement Class. The performance for these periods has not been restated to reflect the lower expenses of the Advisor and Premier classes.
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TIAA-CREF Lifecycle 2060 Fund
TIAA-CREF Lifecycle 2060 Fund
Investment objective

The Lifecycle 2060 Fund seeks high total return over time through a combination of capital appreciation and income.

Fees and expenses

This table describes the fees and expenses that you may pay if you buy and hold shares of the Fund. In addition to the fees and expenses described below, investors may be required to pay a commission to a broker-dealer or other financial intermediary on purchases and sales of Institutional Class or Advisor Class shares of the Fund.

SHAREHOLDER FEES (fees paid directly from your investment)
Shareholder Fees - TIAA-CREF Lifecycle 2060 Fund
Institutional Class
Advisor Class
Premier Class
Retirement Class
Maximum sales charge imposed on purchases (percentage of offering price) none none none none
Maximum deferred sales charge none none none none
Maximum sales charge imposed on reinvested dividends and other distributions none none none none
Redemption or exchange fee none none none none
Maximum account fee none none none none
ANNUAL FUND OPERATING EXPENSES (expenses that you pay each year as a percentage of the value of your investment)
Annual Fund Operating Expenses - TIAA-CREF Lifecycle 2060 Fund
Institutional Class
Advisor Class
Premier Class
Retirement Class
Management fees [1],[2] 0.50% 0.50% 0.50% 0.50%
Distribution (Rule 12b-1) fees     0.15%  
Other expenses [1],[2] 0.18% 0.26% 0.18% 0.43%
Acquired Fund fees and expenses [3] 0.03% 0.03% 0.03% 0.03%
Total annual Fund operating expenses 0.71% 0.79% 0.86% 0.96%
Waivers and expense reimbursements [4],[5] (0.26%) (0.26%) (0.26%) (0.26%)
Total annual Fund operating expenses after fee waiver and/or expense reimbursement 0.45% 0.53% 0.60% 0.70%
[1] Portions of the Management fees and Other expenses are based on expenses originally incurred by Class W shares of the Underlying Funds (as defined below) of the Trust, which have been incurred directly by the Fund pursuant to certain contractual arrangements intended to reallocate directly to the Fund certain fees and expenses that had been paid by the Underlying Funds of the Trust. For additional information, please see the "Management of the Funds" section of this Prospectus.
[2] Restated to reflect estimates for the current fiscal year.
[3] "Acquired Fund fees and expenses" are the Fund's proportionate amount of the expenses of any investment companies or pools in which it invests (excluding expenses originally incurred by Class W of the Underlying Funds of the Trust that have been incurred directly by the Fund, which are instead reflected in Management fees and Other expenses). These expenses are not paid directly by Fund shareholders. Instead, Fund shareholders bear these expenses indirectly because they reduce Fund performance. Because "Acquired Fund fees and expenses" are included in the chart above, the Fund's operating expenses here will not correlate with the expenses included in the Financial highlights in this Prospectus and the Fund's annual report.
[4] Advisors has contractually agreed to waive 0.10% of the Fund's Management fee. This waiver will remain in effect through September 30, 2022, unless changed with the approval of the Board of Trustees.
[5] Under the Fund's expense reimbursement arrangements, the Fund's investment adviser, Teachers Advisors, LLC ("Advisors"), has contractually agreed to reimburse the Fund for any Total annual Fund operating expenses (excluding interest, taxes, brokerage commissions or other transactional expenses, Acquired Fund fees and expenses, extraordinary expenses and any expenses originally attributable to Class W shares of the Underlying Funds of the Trust that were incurred directly by the Fund) that exceed: (i) 0.00% of average daily net assets for Institutional Class shares; (ii) 0.15% of average daily net assets for Advisor Class shares; (iii) 0.15% of average daily net assets for Premier Class shares; and (iv) 0.25% of average daily net assets for Retirement Class shares of the Fund. These expense reimbursement arrangements will continue through at least September 30, 2020, unless changed with approval of the Board of Trustees.
Example

This example is intended to help you compare the cost of investing in shares of the Fund with the cost of investing in other mutual funds. The example assumes that you invest $10,000 in the Fund for the time periods indicated and then redeem all your shares at the end of those periods. The example also assumes that your investment has a 5% return each year and that the Fund’s operating expenses, before fee waivers and/or expense reimbursements, remain the same. The example assumes that the Fund’s fee waiver and/or expense reimbursement arrangements will each remain in place for the durations noted in the table above. Although your actual costs may be higher or lower, based on these assumptions your costs would be:

Expense Example - TIAA-CREF Lifecycle 2060 Fund - USD ($)
Institutional Class
Advisor Class
Premier Class
Retirement Class
1 year $ 46 $ 54 $ 61 $ 72
3 years 179 205 227 258
5 years 348 392 430 484
10 years $ 838 $ 933 $ 1,017 $ 1,134
Portfolio turnover

The Fund pays transaction costs, such as commissions, when it buys and sells securities (or “turns over” its portfolio). A higher portfolio turnover rate may indicate higher transaction costs and may result in higher taxes when Fund shares are held in a taxable account. These costs, which are not reflected in annual fund operating expenses or in the example, affect the Fund’s performance. During the fiscal period ended May 31, 2019, the Fund’s portfolio turnover rate was 36% of the average value of its portfolio.

Principal investment strategies

The Fund is a “fund of funds” that invests in Class W shares of other funds of the Trust and in other investment pools or investment products, potentially including other funds advised by the Fund’s investment adviser, Teachers Advisors, LLC (“Advisors”), or its affiliates (collectively, the “Underlying Funds”). In general, the Fund is designed for investors who have an approximate target retirement year in mind, and the Fund’s investments are adjusted from more aggressive to more conservative over time as the Fund’s target retirement year approaches and for approximately 30 years afterwards. The Fund invests in Underlying Funds according to an asset allocation strategy designed for investors retiring in, or planning to retire within a few years of, 2060 and who may begin taking systematic withdrawals upon retirement.


Advisors currently expects to allocate approximately 93.75% of the Fund’s assets to equity Underlying Funds, 1.25% of its assets to fixed-income Underlying Funds and 5.00% of its assets to direct real estate Underlying Funds. These allocations represent targets for equity, fixed-income and direct real estate asset classes. Target allocations will change over time and actual allocations may vary up to ten percentage points from the targets. The target allocations along the investment glidepath, illustrated in the chart below, gradually become more conservative, moving to target allocations of approximately 45.00% equity/50.00% fixed-income/5.00% direct real estate in the Fund’s target retirement year of 2060 and reaching the Fund’s final target allocation of approximately 20.00% equity/80.00% fixed-income/0.00% direct real estate in 2090. Within the equity, fixed-income and direct real estate asset classes, Advisors allocates the Fund’s investments to particular market sectors (U.S. equity, international equity, fixed-income, short-term fixed-income, inflation-protected assets and direct real estate) represented by various Underlying Funds. These market sector allocations may vary by up to 10% from the Fund’s target market sector allocations. The Fund’s current target market sector allocations for June 30, 2020, which will change over time, are approximately as follows: U.S. Equity: 65.62%; International Equity: 28.13%; Fixed-Income: 1.25%; Short-Term Fixed-Income: 0.00%; Inflation-Protected Assets: 0.00%; and Direct Real Estate: 5.00%. The asset class and market sector names used herein are intended to reflect the primary type of investment of the Underlying Funds within each of these categories.


The Fund’s target market sector allocations to Underlying Funds may include the TIAA-CREF Growth & Income Fund, Large-Cap Growth Fund, Large-Cap Value Fund, Quant Large-Cap Growth Fund, Quant Large-Cap Value Fund, Quant Small-Cap Equity Fund and Quant Small/Mid-Cap Equity Fund (U.S. Equity); Emerging Markets Equity Fund, International Equity Fund, International Opportunities Fund, Quant International Equity Fund and Quant International Small-Cap Equity Fund (International Equity); Bond Fund, Bond Plus Fund, Emerging Markets Debt Fund, High-Yield Fund and International Bond Fund (Fixed-Income); Money Market Fund and Short-Term Bond Fund (Short-Term Fixed-Income); Inflation-Linked Bond Fund (Inflation-Protected Assets); and Real Property Fund LP (Direct Real Estate). TIAA-CREF Real Property Fund LP is a private fund, which is not available for investment by the general public; it is currently offered exclusively to investment pools or investment products managed by Advisors or its affiliates.


Additional or replacement Underlying Funds for each market sector, as well as additional or replacement market sectors, may be included when making future allocations if Advisors believes that such Underlying Funds and/or market sectors are appropriate in light of the Fund’s desired levels of risk and potential return at the particular time. The Fund’s portfolio management team may also add a new market sector if it believes that will help to achieve the Fund’s investment objective. The relative allocations among Underlying Funds within a market sector may be changed at any time without notice to shareholders, and the portfolio management team may use tactical allocation to take advantage of short to intermediate term opportunities through a combination of positions in Underlying Funds. If 10% or more of the Fund’s assets are expected to be invested in any Underlying Fund or market sector not listed above, shareholders will receive prior notice of such change.


The Fund’s asset class allocations, market sector allocations within each asset class, and Underlying Fund allocations within each market sector, for June 30, 2019, are listed in the chart below. These allocations will change over time. Underlying Fund allocations in particular may change from year to year.


        

Asset Class

Allocation

  

Market Sector

Allocation

 

Underlying Funds

Allocation

Equity

94.11%

 

U.S. Equity

65.99%

 

Ÿ Growth & Income Fund

13.84%

      

Ÿ Large-Cap Growth Fund

12.49%

      

Ÿ Large-Cap Value Fund

12.10%

      

Ÿ Quant Large-Cap Growth Fund

10.91%

      

Ÿ Quant Large-Cap Value Fund

10.60%

      

Ÿ Quant Small-Cap Equity Fund

3.39%

      

Ÿ Quant Small/Mid-Cap Equity Fund

2.66%

   

International Equity

28.12%

 

Ÿ Quant International Equity Fund

7.34%

      

Ÿ International Equity Fund

6.12%

      

Ÿ International Opportunities Fund

6.10%

      

Ÿ Emerging Markets Equity Fund

4.81%

      

Ÿ Quant International Small-Cap Equity Fund

3.75%

Fixed-Income

1.32%

 

Fixed-Income

1.32%

 

Ÿ Bond Fund

0.69%

      

Ÿ Bond Plus Fund

0.42%

      

Ÿ High-Yield Fund

0.07%

      

Ÿ International Bond Fund

0.07%

      

Ÿ Emerging Markets Debt Fund

0.07%

Real Estate

4.57%

 

Direct Real Estate

4.57%

 

Ÿ TIAA-CREF Real Property Fund LP

4.57%


        

Total

100.00%

  

100.00%

  

100.00%


The following chart shows how the investment glidepath for the Fund is expected to gradually move the Fund’s target allocations over time between the different target market sector allocations. The actual market sector allocations of the Fund may differ from this chart. The Fund seeks to achieve its final target market sector allocations approximately 30 years following the target date.


Lifecycle Funds Glidepath as of June 30, 2020
Years to Target Retirement Date US Equities International Equities Direct Real Estate Fixed Income Short Term Fixed Income Inflation Protected Bonds
45 66.50% 28.50% 5.00% 0.00% 0.00% 0.00%
40 65.62% 28.13% 5.00% 1.25% 0.00% 0.00%
35 64.75% 27.75% 5.00% 2.50% 0.00% 0.00%
30 63.87% 27.38% 5.00% 3.75% 0.00% 0.00%
25 63.00% 27.00% 5.00% 5.00% 0.00% 0.00%
20 56.70% 24.30% 5.00% 14.00% 0.00% 0.00%
15 50.40% 21.60% 5.00% 23.00% 0.00% 0.00%
10 44.10% 18.90% 5.00% 28.00% 2.00% 2.00%
5 37.80% 16.20% 5.00% 33.00% 4.00% 4.00%
0 31.50% 13.50% 5.00% 38.00% 6.00% 6.00%
-5 28.00% 12.00% 5.00% 39.00% 8.00% 8.00%
-10 24.50% 10.50% 5.00% 40.00% 10.00% 10.00%
-15 22.75% 9.75% 2.50% 40.00% 15.00% 10.00%
-20 21.00% 9.00% 0.00% 40.00% 20.00% 10.00%
-25 17.50% 7.50% 0.00% 40.00% 25.00% 10.00%
-30 14.00% 6.00% 0.00% 40.00% 30.00% 10.00%

The Fund is designed to accommodate investors who invest in a fund up to their target retirement date, and plan to make gradual systematic withdrawals in retirement. In addition, investors should note that the Fund will continue to have a significant level of equity exposure up to, through and after its target retirement date, and this exposure could cause significant fluctuations in the value of the Fund depending on the performance of the equity markets generally.


After the Fund reaches its final target allocation, the Board of Trustees may authorize the merger of the Fund into another Lifecycle Fund which has also reached its final target allocation or other similar fund designed to maintain a relatively stable asset allocation reflecting the resting point on the glidepath described in the chart above. Fund shareholders will receive prior notice of any such merger.

Principal investment risks

You could lose money over short or long periods by investing in this Fund. An investment in the Fund, due to the nature of the Fund’s portfolio holdings, typically is subject to the following principal investment risks:


· Asset Allocation Risk—The risk that the Fund may not achieve its target allocations. In addition, there is the risk that the asset allocations may not achieve the desired risk-return characteristic or that the selection of Underlying Funds and the allocations among them will result in the Fund underperforming other similar funds or cause an investor to lose money.


· Underlying Funds Risks—The Fund is exposed to the risks of the Underlying Funds in which it invests in direct proportion to the amount of assets the Fund allocates to each Underlying Fund.


· Equity Underlying Funds Risks—The risks of investing in equity Underlying Funds include risks specific to their investment strategies, as well as risks related to the equity markets in general, such as:


· market risk—The risk that the price of equity investments may decline in response to general market and economic conditions or events, including conditions and developments outside of the financial markets;


· issuer risk—The risk that an issuer’s earnings prospects and overall financial position will deteriorate, causing a decline in the value of the issuer’s financial instruments over short or extended periods of time; and


· foreign investment risk—The increased risks of adverse issuer, political, regulatory, currency, market or economic developments compared to investments in U.S. issuers, which can result in greater market and price volatility.


· Fixed-Income Underlying Funds Risks—The risks of investing in fixed-income Underlying Funds include risks specific to their investment strategies, as well as risks related to the fixed-income markets in general, such as:


· interest rate risk—The risk that the value or yield of fixed-income investments may decline if interest rates change, which could adversely affect a Fund’s income or the value of its holdings;


· extension risk—The risk that during periods of rising interest rates, borrowers may pay off their mortgage loans later than expected, preventing a Fund from reinvesting principal proceeds at higher interest rates and resulting in less income than potentially available;


· issuer risk—The risk that an issuer’s earnings prospects and overall financial position will deteriorate, causing a decline in the value of the issuer’s financial instruments over short or extended periods of time;


· credit risk—The risk that a decline in an issuer’s financial position may prevent it from making principal and interest payments on fixed-income investments held by a Fund when due;


· credit spread risk—The risk that credit spreads (i.e., the difference in yield between securities that is due to differences in each security’s respective credit quality) may increase when market participants believe that bonds generally have a greater risk of default, which could result in a decline in the market values of a Fund’s debt securities;


· income volatility risk—The risk that the level of current income from a Fund’s portfolio of fixed-income securities may decline due to rapid and unpredictable changes in prevailing market interest rates; and


· call risk—The risk that, during periods of falling interest rates, an issuer may call (or repay) a fixed-income security prior to maturity, resulting in a decline in a Fund’s income.


· Direct Real Estate Underlying Funds Risks—The risks of investing in direct real estate Underlying Funds include risks specific to their investment strategies, as well as risks related to investing in real estate in general, such as:


· real estate-related investment risk—The risks associated with exposure to direct real estate through investing in investment vehicles managed by Advisors that will primarily invest directly in real estate, which can include declines in real estate values or revenues, uninsured losses at properties, the absence of regulatory oversight of and a secondary market for interests in direct real estate Underlying Funds, a scarcity of interests issued by direct real estate Underlying Funds, making it difficult for the Fund to achieve its target allocation, and illiquidity of interests in direct real estate Underlying Funds.


· Active Management Risk—The risk that the strategy, investment selection or trading execution of Advisors could cause the Fund or an Underlying Fund to underperform its benchmark index or mutual funds with similar investment objectives.


· Fund of Funds Risk—The ability of the Fund to achieve its investment objective will depend in part upon the ability of the Underlying Funds to achieve their investment objectives. There can be no guarantee that any Underlying Fund will achieve its investment objective.


There can be no assurances that the Fund will achieve its investment objective. You should not consider the Fund to be a complete investment program. Please see the non-summary portion of the Prospectus for more detailed information about the risks described above, including the risks of the Underlying Funds.

Past performance

The following chart and table help illustrate some of the risks of investing in the Fund by showing changes in the Fund’s performance from year to year. The bar chart shows the annual total returns of the Retirement Class of the Fund, before taxes, in each full calendar year since inception of the Retirement Class. Because the expenses vary across share classes, the performance of the Retirement Class may vary from the other share classes. Below the bar chart are the best and worst returns of the Retirement Class for a calendar quarter during the full calendar-year periods covered by the bar chart. The performance table following the bar chart shows the Fund’s average annual total returns for the Retirement, Institutional, Advisor and Premier classes over the applicable one-year, five-year, ten-year and since-inception periods ended December 31, 2018, and how those returns compare to those of a broad-based securities market index and a composite index that represents the market sectors in which the Fund invests across the equity and fixed-income asset classes. After-tax performance is shown only for the Retirement Class shares, and after-tax returns for the other classes of shares will vary from the after-tax returns presented for Retirement Class shares.


The returns shown below reflect previous agreements by Advisors to waive or reimburse the Fund and certain Underlying Funds for certain fees and expenses. Without these waivers and reimbursements, the returns of the Fund would have been lower. Past performance of the Fund (before and after taxes) is not necessarily an indication of how it will perform in the future. The indices listed below are unmanaged, and you cannot invest directly in an index. The returns for the indices reflect no deduction for fees, expenses or taxes.


For current performance information of each share class, including performance to the most recent month-end, please visit www.tiaa.org.

ANNUAL TOTAL RETURNS FOR THE RETIREMENT CLASS SHARES (%)† Lifecycle 2060 Fund
Bar Chart

 The year-to-date return as of the most recent calendar quarter, which ended on June 30, 2019, was 16.49%.

Best quarter: 6.77%, for the quarter ended March 31, 2017. Worst quarter: -14.70%, for the quarter ended December 31, 2018.

AVERAGE ANNUAL TOTAL RETURNS For the Periods Ended December 31, 2018
Average Annual Returns - TIAA-CREF Lifecycle 2060 Fund
1 Year
Since Inception
Inception Date
Retirement Class (10.28%) 4.78% Sep. 26, 2014
Institutional Class (10.06%) 5.01% Sep. 26, 2014
Advisor Class (10.16%) 4.93% [1] Dec. 04, 2015
Premier Class (10.27%) 4.86% Sep. 26, 2014
After Taxes on Distributions | Retirement Class (11.24%) 3.56%  
After Taxes on Distributions and Sale of Fund Shares | Retirement Class (5.50%) 3.49%  
S&P Target Date 2060+ Index (7.95%) 4.99% [2]  
Lifecycle 2060 Fund Composite Index (reflects no deductions for fees, expenses or taxes) [3] (7.59%) 5.40% [2]  
[1] The performance shown for the Advisor Class that is prior to its inception date is based on performance of the Fund's Retirement Class. The performance for these periods has not been restated to reflect the lower expenses of the Advisor Class.Performance is calculated from the inception date of the Retirement Class.
[2] Performance is calculated from the inception date of the Retirement Class.
[3] As of the close of business on December 31, 2018, the Lifecycle 2060 Fund Composite Index consisted of: 65.9% Russell 3000® Index; 28.2% MSCI All Country World Index ex USA Investable Market Index; and 5.9% Bloomberg Barclays U.S. Aggregate Bond Index. The Fund's composite benchmark, the components that make up a composite benchmark and the method of calculating a composite benchmark's performance may vary over time.

Current performance of the Fund’s shares may be higher or lower than that shown above.


After-tax returns are calculated using the historical highest individual federal marginal income tax rates in effect during the periods shown and do not reflect the impact of state and local taxes. Actual after-tax returns depend on the investor’s tax situation and may differ from those shown. The after-tax returns shown are not relevant to investors who hold their Fund shares through tax-deferred arrangements such as 401(a), 401(k) or 403(b) plans or Individual Retirement Accounts (IRAs). After-tax returns are shown for only one class, and after-tax returns for other classes will vary.

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TIAA-CREF Lifecycle Index 2025 Fund
TIAA-CREF Lifecycle Index 2025 Fund
Investment objective

The Lifecycle Index 2025 Fund seeks high total return over time through a combination of capital appreciation and income.

Fees and expenses

This table describes the fees and expenses that you may pay if you buy and hold shares of the Fund. In addition to the fees and expenses described below, investors may be required to pay a commission to a broker-dealer or other financial intermediary on purchases and sales of Institutional Class or Advisor Class shares of the Fund.

SHAREHOLDER FEES (fees paid directly from your investment)
Shareholder Fees - TIAA-CREF Lifecycle Index 2025 Fund
Institutional Class
Advisor Class
Premier Class
Retirement Class
Maximum sales charge imposed on purchases (percentage of offering price) none none none none
Maximum deferred sales charge none none none none
Maximum sales charge imposed on reinvested dividends and other distributions none none none none
Redemption or exchange fee none none none none
Maximum account fee none none none none
ANNUAL FUND OPERATING EXPENSES (expenses that you pay each year as a percentage of the value of your investment)
Annual Fund Operating Expenses - TIAA-CREF Lifecycle Index 2025 Fund
Institutional Class
Advisor Class
Premier Class
Retirement Class
Management fees [1],[2] 0.17% 0.17% 0.17% 0.17%
Distribution (Rule 12b-1) fees     0.15%  
Other expenses [1],[2] 0.04% 0.14% 0.04% 0.29%
Total annual Fund operating expenses 0.21% 0.31% 0.36% 0.46%
Waivers and expense reimbursements [3],[4] (0.11%) (0.11%) (0.11%) (0.11%)
Total annual Fund operating expenses after fee waiver and/or expense reimbursement 0.10% 0.20% 0.25% 0.35%
[1] Portions of the Management fees and Other expenses are based on expenses originally incurred by Class W shares of the Underlying Funds (as defined below) of the Trust, which have been incurred directly by the Fund pursuant to certain contractual arrangements intended to reallocate directly to the Fund certain fees and expenses that had been paid by the Underlying Funds of the Trust. For additional information, please see the "Management of the Funds" section of this Prospectus.
[2] Restated to reflect estimates for the current fiscal year.
[3] Advisors has contractually agreed to waive 0.082% of the Fund's Management fee. This waiver will remain in effect through September 30, 2020, unless changed with the approval of the Board of Trustees.
[4] Under the Fund's expense reimbursement arrangements, the Fund's investment adviser, Teachers Advisors, LLC ("Advisors"), has contractually agreed to reimburse the Fund for any Total annual Fund operating expenses (excluding interest, taxes, brokerage commissions or other transactional expenses, Acquired Fund fees and expenses, extraordinary expenses and any expenses originally attributable to Class W shares of the Underlying Funds of the Trust that were incurred directly by the Fund) that exceed: (i) 0.018% of average daily net assets for Institutional Class shares; (ii) 0.168% of average daily net assets for Advisor Class shares; (iii) 0.168% of average daily net assets for Premier Class shares; and (iv) 0.268% of average daily net assets for Retirement Class shares of the Fund. These expense reimbursement arrangements will continue through at least September 30, 2020, unless changed with approval of the Board of Trustees.
Example

This example is intended to help you compare the cost of investing in shares of the Fund with the cost of investing in other mutual funds. The example assumes that you invest $10,000 in the Fund for the time periods indicated and then redeem all your shares at the end of those periods. The example also assumes that your investment has a 5% return each year and that the Fund’s operating expenses, before fee waivers and/or expense reimbursements, remain the same. The example assumes that the Fund’s fee waiver and/or expense reimbursement arrangements will each remain in place for the durations noted in the table above. Although your actual costs may be higher or lower, based on these assumptions your costs would be:

Expense Example - TIAA-CREF Lifecycle Index 2025 Fund - USD ($)
Institutional Class
Advisor Class
Premier Class
Retirement Class
1 year $ 10 $ 20 $ 26 $ 36
3 years 56 89 105 137
5 years 107 163 191 247
10 years $ 257 $ 382 $ 445 $ 569
Portfolio turnover

The Fund pays transaction costs, such as commissions, when it buys and sells securities (or “turns over” its portfolio). A higher portfolio turnover rate may indicate higher transaction costs and may result in higher taxes when Fund shares are held in a taxable account. These costs, which are not reflected in annual fund operating expenses or in the example, affect the Fund’s performance. During the fiscal year ended May 31, 2019, the Fund’s portfolio turnover rate was 11% of the average value of its portfolio.

Principal investment strategies

The Fund is a “fund of funds” that invests in Class W shares of other funds of the Trust and potentially in other investment pools or investment products, including other funds advised by the Fund’s investment adviser, Teachers Advisors, LLC (“Advisors”), or its affiliates (collectively, the “Underlying Funds”). In general, the Fund is designed for investors who have an approximate target retirement year in mind, and the Fund’s investments are adjusted from more aggressive to more conservative over time as the Fund’s target retirement year approaches and for approximately 30 years afterwards. The Fund invests in Underlying Funds according to an asset allocation strategy designed for investors retiring in, or planning to retire within a few years of, 2025 and who may begin taking systematic withdrawals upon retirement. The Fund has a policy of investing at least 80% of its assets (net assets, plus the amount of any borrowings for investment purposes) in Underlying Funds that are managed to seek investment returns that track particular market indices.


Advisors currently expects to allocate approximately 58.00% of the Fund’s assets to equity Underlying Funds and 42.00% of its assets to fixed-income Underlying Funds. These allocations represent targets for equity and fixed-income asset classes. Target allocations will change over time and actual allocations may vary up to ten percentage points from the targets. The target allocations along the investment glidepath, illustrated in the chart below, gradually become more conservative, moving to target allocations of approximately 50.00% equity/50.00% fixed-income in the Fund’s target retirement year of 2025 and reaching the Fund’s final target allocation of approximately 20.00% equity/80.00% fixed-income in 2055. Within the equity and fixed-income asset classes, Advisors allocates the Fund’s investments to particular market sectors (U.S. equity, international equity, fixed-income, short-term fixed-income and inflation-protected assets) represented by various Underlying Funds. These market sector allocations may vary by up to 10% from the Fund’s target market sector allocations. The Fund’s current target market sector allocations for June 30, 2020, which will change over time, are approximately as follows: U.S. Equity: 40.60%; International Equity: 17.40%; Fixed-Income: 34.00%; Short-Term Fixed-Income: 4.00%; and Inflation-Protected Assets: 4.00%. The asset class and market sector names used herein are intended to reflect the primary type of investment of the Underlying Funds within each of these categories.


The Fund’s target market sector allocations to Underlying Funds may include the TIAA-CREF Equity Index Fund (U.S. Equity); Emerging Markets Equity Index Fund and International Equity Index Fund (International Equity); Bond Index Fund (Fixed-Income); Short-Term Bond Index Fund (Short-Term Fixed-Income); and Inflation-Linked Bond Fund (Inflation-Protected Assets).


Additional or replacement Underlying Funds for each market sector, as well as additional or replacement market sectors, may be included when making future allocations if Advisors believes that such Underlying Funds and/or market sectors are appropriate in light of the Fund’s desired levels of risk and potential return at the particular time. The Fund’s portfolio management team may also add a new market sector if it believes that will help to achieve the Fund’s investment objective. The relative allocations among Underlying Funds within a market sector may be changed at any time without notice to shareholders. If 10% or more of the Fund’s assets are expected to be invested in any Underlying Fund or market sector not listed above, shareholders will receive prior notice of such change.


The Fund’s asset class allocations, market sector allocations within each asset class, and Underlying Fund allocations within each market sector, as of June 30, 2019, are listed in the chart below. These allocations will change over time. Underlying Fund allocations in particular may change from year to year.


        

Asset Class

Allocation

  

Market Sector

Allocation

 

Underlying Funds

Allocation

Equity

60.34%

 

U.S. Equity

42.32%

 

Ÿ Equity Index Fund

42.32%

   

International Equity

18.02%

 

Ÿ International Equity Index Fund

12.92%

      

Ÿ Emerging Markets Equity Index Fund

5.10%

Fixed-Income

39.66%

 

Fixed-Income

32.62%

 

Ÿ Bond Index Fund

32.62%

   

Short-Term
Fixed-Income

3.51%

 

Ÿ Short-Term Bond Index Fund

3.51%

   

Inflation-
Protected Assets

3.53%

 

Ÿ Inflation-Linked Bond Fund

3.53%


        

Total

100.00%

  

100.00%

  

100.00%


The following chart shows how the investment glidepath for the Fund is expected to gradually move the Fund’s target allocations over time between the different target market sector allocations. The actual market sector allocations of the Fund may differ from this chart. The Fund seeks to achieve its final target market sector allocations approximately 30 years following the target date.


Lifecycle Index Funds Glidepath as of June 30, 2020
Years to Target Retirement Date US Equities International Equities Fixed Income Short Term Fixed Income Inflation Protected Bonds
45 66.50% 28.50% 5.00% 0.00% 0.00%
40 65.62% 28.13% 6.25% 0.00% 0.00%
35 64.75% 27.75% 7.50% 0.00% 0.00%
30 63.87% 27.38% 8.75% 0.00% 0.00%
25 63.00% 27.00% 10.00% 0.00% 0.00%
20 57.40% 24.60% 18.00% 0.00% 0.00%
15 51.80% 22.20% 26.00% 0.00% 0.00%
10 46.20% 19.80% 30.00% 2.00% 2.00%
5 40.60% 17.40% 34.00% 4.00% 4.00%
0 35.00% 15.00% 38.00% 6.00% 6.00%
-5 31.50% 13.50% 39.00% 8.00% 8.00%
-10 28.00% 12.00% 40.00% 10.00% 10.00%
-15 24.50% 10.50% 40.00% 15.00% 10.00%
-20 21.00% 9.00% 40.00% 20.00% 10.00%
-25 17.50% 7.50% 40.00% 25.00% 10.00%
-30 14.00% 6.00% 40.00% 30.00% 10.00%

The Fund is designed to accommodate investors who invest in a fund up to their target retirement date, and plan to make gradual systematic withdrawals in retirement. In addition, investors should note that the Fund will continue to have a significant level of equity exposure up to, through and after its target retirement date, and this exposure could cause significant fluctuations in the value of the Fund depending on the performance of the equity markets generally.


After the Fund reaches its final target allocation, the Board of Trustees may authorize the merger of the Fund into another Lifecycle Index Fund which has also reached its final target allocation or other similar fund designed to maintain a relatively stable asset allocation reflecting the resting point on the glidepath described in the chart above. Fund shareholders will receive prior notice of any such merger.

Principal investment risks

You could lose money over short or long periods by investing in this Fund. An investment in the Fund, due to the nature of the Fund’s portfolio holdings, typically is subject to the following principal investment risks:


· Asset Allocation Risk—The risk that the Fund may not achieve its target allocations. In addition, there is the risk that the asset allocations may not achieve the desired risk-return characteristic or that the selection of Underlying Funds and the allocations among them will result in the Fund underperforming other similar funds or cause an investor to lose money.


· Index Risk—The risk that the Fund’s performance may not correspond to its benchmark index for any period of time and may underperform such index or the overall financial market. Additionally, to the extent that the Fund’s investments vary from the composition of its benchmark index, the Fund’s performance could potentially vary from the index’s performance to a greater extent than if the Fund merely attempted to replicate the index.


· Underlying Funds Risks—The Fund is exposed to the risks of the Underlying Funds in which it invests in direct proportion to the amount of assets the Fund allocates to each Underlying Fund.


· Equity Underlying Funds Risks—The risks of investing in equity Underlying Funds include risks specific to their investment strategies, as well as risks related to the equity markets in general, such as:


· market risk—The risk that the price of equity investments may decline in response to general market and economic conditions or events, including conditions and developments outside of the financial markets;


· issuer risk—The risk that an issuer’s earnings prospects and overall financial position will deteriorate, causing a decline in the value of the issuer’s financial instruments over short or extended periods of time; and


· foreign investment risk—The increased risks of adverse issuer, political, regulatory, currency, market or economic developments compared to investments in U.S. issuers, which can result in greater market and price volatility.


· Fixed-Income Underlying Funds Risks—The risks of investing in fixed-income Underlying Funds include risks specific to their investment strategies, as well as risks related to the fixed-income markets in general, such as:


· interest rate risk—The risk that the value or yield of fixed-income investments may decline if interest rates change, which could adversely affect a Fund’s income or the value of its holdings;


· extension risk—The risk that during periods of rising interest rates, borrowers may pay off their mortgage loans later than expected, preventing a Fund from reinvesting principal proceeds at higher interest rates and resulting in less income than potentially available;


· issuer risk—The risk that an issuer’s earnings prospects and overall financial position will deteriorate, causing a decline in the value of the issuer’s financial instruments over short or extended periods of time;


· credit risk—The risk that a decline in an issuer’s financial position may prevent it from making principal and interest payments on fixed-income investments held by a Fund when due;


· credit spread risk—The risk that credit spreads (i.e., the difference in yield between securities that is due to differences in each security’s respective credit quality) may increase when market participants believe that bonds generally have a greater risk of default, which could result in a decline in the market values of a Fund’s debt securities;


· income volatility risk—The risk that the level of current income from a Fund’s portfolio of fixed-income securities may decline due to rapid and unpredictable changes in prevailing market interest rates; and


· call risk—The risk that, during periods of falling interest rates, an issuer may call (or repay) a fixed-income security prior to maturity, resulting in a decline in a Fund’s income.


· Active Management Risk—The risk that the strategy, investment selection or trading execution of Advisors could cause the Fund or an Underlying Fund to underperform its benchmark index or mutual funds with similar investment objectives.


· Fund of Funds Risk—The ability of the Fund to achieve its investment objective will depend in part upon the ability of the Underlying Funds to achieve their investment objectives. There can be no guarantee that any Underlying Fund will achieve its investment objective.


There can be no assurances that the Fund will achieve its investment objective. You should not consider the Fund to be a complete investment program. Please see the non-summary portion of the Prospectus for more detailed information about the risks described above, including the risks of the Underlying Funds.

Past performance

The following chart and table help illustrate some of the risks of investing in the Fund by showing changes in the Fund’s performance from year to year. The bar chart shows the annual total returns of the Retirement Class of the Fund, before taxes, in each full calendar year since inception of the Retirement Class. Because the expenses vary across share classes, the performance of the Retirement Class may vary from the other share classes. Below the bar chart are the best and worst returns of the Retirement Class for a calendar quarter during the full calendar-year periods covered by the bar chart. The performance table following the bar chart shows the Fund’s average annual total returns for the Retirement, Institutional, Advisor and Premier classes over the applicable one-year, five-year, ten-year and since-inception periods ended December 31, 2018, and how those returns compare to those of a broad-based securities market index and a composite index based on the Fund’s target allocations. After-tax performance is shown only for the Retirement Class shares, and after-tax returns for the other classes of shares will vary from the after-tax returns presented for Retirement Class shares.


The returns shown below reflect previous agreements by Advisors to waive or reimburse the Fund and certain Underlying Funds for certain fees and expenses. Without these waivers and reimbursements, the returns of the Fund would have been lower. Past performance of the Fund (before and after taxes) is not necessarily an indication of how it will perform in the future. The indices listed below are unmanaged, and you cannot invest directly in an index. The returns for the indices reflect no deduction for fees, expenses or taxes.


For current performance information of each share class, including performance to the most recent month-end, please visit www.tiaa.org.

ANNUAL TOTAL RETURNS FOR THE RETIREMENT CLASS SHARES (%)† Lifecycle Index 2025 Fund
Bar Chart

 The year-to-date return as of the most recent calendar quarter, which ended on June 30, 2019, was 12.34%.

Best quarter: 10.18%, for the quarter ended September 30, 2010. Worst quarter: -11.34%, for the quarter ended September 30, 2011.

AVERAGE ANNUAL TOTAL RETURNS For the Periods Ended December 31, 2018
Average Annual Returns - TIAA-CREF Lifecycle Index 2025 Fund
1 Year
5 Years
Since Inception
Inception Date
Retirement Class (4.65%) 4.44% 7.38% Sep. 30, 2009
Institutional Class (4.42%) 4.70% 7.65% Sep. 30, 2009
Advisor Class (4.49%) 4.56% [1] 7.45% [1] Dec. 04, 2015
Premier Class (4.58%) 4.53% 7.49% Sep. 30, 2009
After Taxes on Distributions | Retirement Class (5.34%) 3.78% 6.81%  
After Taxes on Distributions and Sale of Fund Shares | Retirement Class (2.51%) 3.28% 5.82%  
S&P Target Date 2025 Index (5.02%) 4.31% 7.31% [2]  
Lifecycle Index 2025 Fund Composite Index (reflects no deductions for fees, expenses or taxes) [3] (4.49%) 4.77% 7.77% [2]  
[1] The performance shown for the Advisor Class that is prior to its inception date is based on performance of the Fund's Retirement Class. The performance for these periods has not been restated to reflect the lower expenses of the Advisor Class.
[2] Performance is calculated from the inception date of the Retirement Class.
[3] As of the close of business on December 31, 2018, the Lifecycle Index 2025 Fund Composite Index consisted of: 42.3% Russell 3000® Index; 32.8% Bloomberg Barclays U.S. Aggregate Bond Index; 18.1% MSCI EAFE + Emerging Markets Index; 3.4% Bloomberg Barclays U.S. 1-3 Year Government/Credit Bond Index; and 3.4% Bloomberg Barclays U.S. Treasury Inflation Protected Securities (TIPS) 1-10 Year Index. The Fund's composite benchmark, the components that make up a composite benchmark and the method of calculating a composite benchmark's performance may vary over time.

Current performance of the Fund’s shares may be higher or lower than that shown above.


After-tax returns are calculated using the historical highest individual federal marginal income tax rates in effect during the periods shown and do not reflect the impact of state and local taxes. Actual after-tax returns depend on the investor’s tax situation and may differ from those shown. The after-tax returns shown are not relevant to investors who hold their Fund shares through tax-deferred arrangements such as 401(a), 401(k) or 403(b) plans or Individual Retirement Accounts (IRAs). After-tax returns are shown for only one class, and after-tax returns for other classes will vary.

XML 72 R43.htm IDEA: XBRL DOCUMENT v3.19.3
Label Element Value
TIAA-CREF Lifecycle 2030 Fund  
Risk/Return: rr_RiskReturnAbstract  
Risk/Return [Heading] rr_RiskReturnHeading TIAA-CREF Lifecycle 2030 Fund
Objective [Heading] rr_ObjectiveHeading Investment objective
Objective, Primary [Text Block] rr_ObjectivePrimaryTextBlock

The Lifecycle 2030 Fund seeks high total return over time through a combination of capital appreciation and income.

Expense [Heading] rr_ExpenseHeading Fees and expenses
Expense Narrative [Text Block] rr_ExpenseNarrativeTextBlock

This table describes the fees and expenses that you may pay if you buy and hold shares of the Fund. In addition to the fees and expenses described below, investors may be required to pay a commission to a broker-dealer or other financial intermediary on purchases and sales of Institutional Class or Advisor Class shares of the Fund.

Shareholder Fees Caption [Text] rr_ShareholderFeesCaption SHAREHOLDER FEES (fees paid directly from your investment)
Operating Expenses Caption [Text] rr_OperatingExpensesCaption ANNUAL FUND OPERATING EXPENSES (expenses that you pay each year as a percentage of the value of your investment)
Fee Waiver or Reimbursement over Assets, Date of Termination rr_FeeWaiverOrReimbursementOverAssetsDateOfTermination Sep. 30, 2020
Portfolio Turnover [Heading] rr_PortfolioTurnoverHeading Portfolio turnover
Portfolio Turnover [Text Block] rr_PortfolioTurnoverTextBlock

The Fund pays transaction costs, such as commissions, when it buys and sells securities (or “turns over” its portfolio). A higher portfolio turnover rate may indicate higher transaction costs and may result in higher taxes when Fund shares are held in a taxable account. These costs, which are not reflected in annual fund operating expenses or in the example, affect the Fund’s performance. During the fiscal year ended May 31, 2019, the Fund’s portfolio turnover rate was 20% of the average value of its portfolio.

Portfolio Turnover, Rate rr_PortfolioTurnoverRate 20.00%
Expenses Restated to Reflect Current [Text] rr_ExpensesRestatedToReflectCurrent Restated to reflect estimates for the current fiscal year.
Expenses Not Correlated to Ratio Due to Acquired Fund Fees [Text] rr_ExpensesNotCorrelatedToRatioDueToAcquiredFundFees “Acquired Fund fees and expenses” are the Fund’s proportionate amount of the expenses of any investment companies or pools in which it invests (excluding expenses originally incurred by Class W of the Underlying Funds of the Trust that have been incurred directly by the Fund, which are instead reflected in Management fees and Other expenses). These expenses are not paid directly by Fund shareholders. Instead, Fund shareholders bear these expenses indirectly because they reduce Fund performance. Because “Acquired Fund fees and expenses” are included in the chart above, the Fund’s operating expenses here will not correlate with the expenses included in the Financial highlights in this Prospectus and the Fund’s annual report.
Expense Example [Heading] rr_ExpenseExampleHeading Example
Expense Example Narrative [Text Block] rr_ExpenseExampleNarrativeTextBlock

This example is intended to help you compare the cost of investing in shares of the Fund with the cost of investing in other mutual funds. The example assumes that you invest $10,000 in the Fund for the time periods indicated and then redeem all your shares at the end of those periods. The example also assumes that your investment has a 5% return each year and that the Fund’s operating expenses, before fee waivers and/or expense reimbursements, remain the same. The example assumes that the Fund’s fee waiver and/or expense reimbursement arrangements will each remain in place for the durations noted in the table above. Although your actual costs may be higher or lower, based on these assumptions your costs would be:

Strategy [Heading] rr_StrategyHeading Principal investment strategies
Strategy Narrative [Text Block] rr_StrategyNarrativeTextBlock

The Fund is a “fund of funds” that invests in Class W shares of other funds of the Trust and in other investment pools or investment products, potentially including other funds advised by the Fund’s investment adviser, Teachers Advisors, LLC (“Advisors”), or its affiliates (collectively, the “Underlying Funds”). In general, the Fund is designed for investors who have an approximate target retirement year in mind, and the Fund’s investments are adjusted from more aggressive to more conservative over time as the Fund’s target retirement year approaches and for approximately 30 years afterwards. The Fund invests in Underlying Funds according to an asset allocation strategy designed for investors retiring in, or planning to retire within a few years of, 2030 and who may begin taking systematic withdrawals upon retirement.


Advisors currently expects to allocate approximately 63.00% of the Fund’s assets to equity Underlying Funds, 32.00% of its assets to fixed-income Underlying Funds and 5.00% of its assets to direct real estate Underlying Funds. These allocations represent targets for equity, fixed-income and direct real estate asset classes. Target allocations will change over time and actual allocations may vary up to ten percentage points from the targets. The target allocations along the investment glidepath, illustrated in the chart below, gradually become more conservative, moving to target allocations of approximately 45.00% equity/50.00% fixed-income/5.00% direct real estate in the Fund’s target retirement year of 2030 and reaching the Fund’s final target allocation of approximately 20.00% equity/80.00% fixed-income/0.00% direct real estate in 2060. Within the equity, fixed-income and direct real estate asset classes, Advisors allocates the Fund’s investments to particular market sectors (U.S. equity, international equity, fixed-income, short-term fixed-income, inflation-protected assets and direct real estate) represented by various Underlying Funds. These market sector allocations may vary by up to 10% from the Fund’s target market sector allocations. The Fund’s current target market sector allocations for June 30, 2020, which will change over time, are approximately as follows: U.S. Equity: 44.10%; International Equity: 18.90%; Fixed-Income: 28.00%; Short-Term Fixed-Income: 2.00%; Inflation-Protected Assets 2.00%; and Direct Real Estate: 5.00%. The asset class and market sector names used herein are intended to reflect the primary type of investment of the Underlying Funds within each of these categories.


The Fund’s target market sector allocations to Underlying Funds may include the TIAA-CREF Growth & Income Fund, Large-Cap Growth Fund, Large-Cap Value Fund, Quant Large-Cap Growth Fund, Quant Large-Cap Value Fund, Quant Small-Cap Equity Fund and Quant Small/Mid-Cap Equity Fund (U.S. Equity); Emerging Markets Equity Fund, International Equity Fund, International Opportunities Fund, Quant International Equity Fund and Quant International Small-Cap Equity Fund (International Equity); Bond Fund, Bond Plus Fund, Emerging Markets Debt Fund, High-Yield Fund and International Bond Fund (Fixed-Income); Money Market Fund and Short-Term Bond Fund (Short-Term Fixed-Income); Inflation-Linked Bond Fund (Inflation-Protected Assets); and Real Property Fund LP (Direct Real Estate). TIAA-CREF Real Property Fund LP is a private fund, which is not available for investment by the general public; it is currently offered exclusively to investment pools or investment products managed by Advisors or its affiliates.


Additional or replacement Underlying Funds for each market sector, as well as additional or replacement market sectors, may be included when making future allocations if Advisors believes that such Underlying Funds and/or market sectors are appropriate in light of the Fund’s desired levels of risk and potential return at the particular time. The Fund’s portfolio management team may also add a new market sector if it believes that will help to achieve the Fund’s investment objective. The relative allocations among Underlying Funds within a market sector may be changed at any time without notice to shareholders, and the portfolio management team may use tactical allocation to take advantage of short to intermediate term opportunities through a combination of positions in Underlying Funds. If 10% or more of the Fund’s assets are expected to be invested in any Underlying Fund or market sector not listed above, shareholders will receive prior notice of such change.


The Fund’s asset class allocations, market sector allocations within each asset class, and Underlying Fund allocations within each market sector, as of June 30, 2019, are listed in the chart below. These allocations will change over time. Underlying Fund allocations in particular may change from year to year.


        

Asset Class

Allocation

  

Market Sector

Allocation

 

Underlying Funds

Allocation

Equity

65.62%

 

U.S. Equity

46.03%

 

Ÿ Growth & Income Fund

9.64%

      

Ÿ Large-Cap Growth Fund

8.73%

      

Ÿ Large-Cap Value Fund

8.44%

      

Ÿ Quant Large-Cap Growth Fund

7.61%

      

Ÿ Quant Large-Cap Value Fund

7.40%

      

Ÿ Quant Small-Cap Equity Fund

2.36%

      

Ÿ Quant Small/Mid-Cap Equity Fund

1.85%

   

International Equity

19.59%

 

Ÿ Quant International Equity Fund

5.11%

      

Ÿ International Equity Fund

4.26%

      

Ÿ International Opportunities Fund

4.25%

      

Ÿ Emerging Markets Equity Fund

3.36%

      

Ÿ Quant International Small-Cap Equity Fund

2.61%

Fixed-Income

29.73%

 

Fixed-Income

25.63%

 

Ÿ Bond Fund

12.98%

      

Ÿ Bond Plus Fund

8.67%

      

Ÿ Emerging Markets Debt Fund

1.51%

      

Ÿ International Bond Fund

1.39%

      

Ÿ High-Yield Fund

1.08%

   

Short-Term
Fixed-Income

2.54%

 

Ÿ Short-Term Bond Fund

2.54%

   

Inflation-
Protected Assets

1.56%

 

Ÿ Inflation-Linked Bond Fund

1.56%

Real Estate

4.65%

 

Direct Real Estate

4.65%

 

Ÿ TIAA-CREF Real Property Fund LP

4.65%


        

Total

100.00%

  

100.00%

  

100.00%


The following chart shows how the investment glidepath for the Fund is expected to gradually move the Fund’s target allocations over time between the different target market sector allocations. The actual market sector allocations of the Fund may differ from this chart. The Fund seeks to achieve its final target market sector allocations approximately 30 years following the target date.


Lifecycle Funds Glidepath as of June 30, 2020
Years to Target Retirement Date US Equities International Equities Direct Real Estate Fixed Income Short Term Fixed Income Inflation Protected Bonds
45 66.50% 28.50% 5.00% 0.00% 0.00% 0.00%
40 65.62% 28.13% 5.00% 1.25% 0.00% 0.00%
35 64.75% 27.75% 5.00% 2.50% 0.00% 0.00%
30 63.87% 27.38% 5.00% 3.75% 0.00% 0.00%
25 63.00% 27.00% 5.00% 5.00% 0.00% 0.00%
20 56.70% 24.30% 5.00% 14.00% 0.00% 0.00%
15 50.40% 21.60% 5.00% 23.00% 0.00% 0.00%
10 44.10% 18.90% 5.00% 28.00% 2.00% 2.00%
5 37.80% 16.20% 5.00% 33.00% 4.00% 4.00%
0 31.50% 13.50% 5.00% 38.00% 6.00% 6.00%
-5 28.00% 12.00% 5.00% 39.00% 8.00% 8.00%
-10 24.50% 10.50% 5.00% 40.00% 10.00% 10.00%
-15 22.75% 9.75% 2.50% 40.00% 15.00% 10.00%
-20 21.00% 9.00% 0.00% 40.00% 20.00% 10.00%
-25 17.50% 7.50% 0.00% 40.00% 25.00% 10.00%
-30 14.00% 6.00% 0.00% 40.00% 30.00% 10.00%

The Fund is designed to accommodate investors who invest in a fund up to their target retirement date, and plan to make gradual systematic withdrawals in retirement. In addition, investors should note that the Fund will continue to have a significant level of equity exposure up to, through and after its target retirement date, and this exposure could cause significant fluctuations in the value of the Fund depending on the performance of the equity markets generally.


After the Fund reaches its final target allocation, the Board of Trustees may authorize the merger of the Fund into another Lifecycle Fund which has also reached its final target allocation or other similar fund designed to maintain a relatively stable asset allocation reflecting the resting point on the glidepath described in the chart above. Fund shareholders will receive prior notice of any such merger.

Risk [Heading] rr_RiskHeading Principal investment risks
Risk Narrative [Text Block] rr_RiskNarrativeTextBlock

You could lose money over short or long periods by investing in this Fund. An investment in the Fund, due to the nature of the Fund’s portfolio holdings, typically is subject to the following principal investment risks:


· Asset Allocation Risk—The risk that the Fund may not achieve its target allocations. In addition, there is the risk that the asset allocations may not achieve the desired risk-return characteristic or that the selection of Underlying Funds and the allocations among them will result in the Fund underperforming other similar funds or cause an investor to lose money.


· Underlying Funds Risks—The Fund is exposed to the risks of the Underlying Funds in which it invests in direct proportion to the amount of assets the Fund allocates to each Underlying Fund.


· Equity Underlying Funds Risks—The risks of investing in equity Underlying Funds include risks specific to their investment strategies, as well as risks related to the equity markets in general, such as:


· market risk—The risk that the price of equity investments may decline in response to general market and economic conditions or events, including conditions and developments outside of the financial markets;


· issuer risk—The risk that an issuer’s earnings prospects and overall financial position will deteriorate, causing a decline in the value of the issuer’s financial instruments over short or extended periods of time; and


· foreign investment risk—The increased risks of adverse issuer, political, regulatory, currency, market or economic developments compared to investments in U.S. issuers, which can result in greater market and price volatility.


· Fixed-Income Underlying Funds Risks—The risks of investing in fixed-income Underlying Funds include risks specific to their investment strategies, as well as risks related to the fixed-income markets in general, such as:


· interest rate risk—The risk that the value or yield of fixed-income investments may decline if interest rates change, which could adversely affect a Fund’s income or the value of its holdings;


· extension risk—The risk that during periods of rising interest rates, borrowers may pay off their mortgage loans later than expected, preventing a Fund from reinvesting principal proceeds at higher interest rates and resulting in less income than potentially available;


· issuer risk—The risk that an issuer’s earnings prospects and overall financial position will deteriorate, causing a decline in the value of the issuer’s financial instruments over short or extended periods of time;


· credit risk—The risk that a decline in an issuer’s financial position may prevent it from making principal and interest payments on fixed-income investments held by a Fund when due;


· credit spread risk—The risk that credit spreads (i.e., the difference in yield between securities that is due to differences in each security’s respective credit quality) may increase when market participants believe that bonds generally have a greater risk of default, which could result in a decline in the market values of a Fund’s debt securities;


· income volatility risk—The risk that the level of current income from a Fund’s portfolio of fixed-income securities may decline due to rapid and unpredictable changes in prevailing market interest rates; and


· call risk—The risk that, during periods of falling interest rates, an issuer may call (or repay) a fixed-income security prior to maturity, resulting in a decline in a Fund’s income.


· Direct Real Estate Underlying Funds Risks—The risks of investing in direct real estate Underlying Funds include risks specific to their investment strategies, as well as risks related to investing in real estate in general, such as:


· real estate-related investment risk—The risks associated with exposure to direct real estate through investing in investment vehicles managed by Advisors that will primarily invest directly in real estate, which can include declines in real estate values or revenues, uninsured losses at properties, the absence of regulatory oversight of and a secondary market for interests in direct real estate Underlying Funds, a scarcity of interests issued by direct real estate Underlying Funds, making it difficult for the Fund to achieve its target allocation, and illiquidity of interests in direct real estate Underlying Funds.


· Active Management Risk—The risk that the strategy, investment selection or trading execution of Advisors could cause the Fund or an Underlying Fund to underperform its benchmark index or mutual funds with similar investment objectives.


· Fund of Funds Risk—The ability of the Fund to achieve its investment objective will depend in part upon the ability of the Underlying Funds to achieve their investment objectives. There can be no guarantee that any Underlying Fund will achieve its investment objective.


There can be no assurances that the Fund will achieve its investment objective. You should not consider the Fund to be a complete investment program. Please see the non-summary portion of the Prospectus for more detailed information about the risks described above, including the risks of the Underlying Funds.

Risk Lose Money [Text] rr_RiskLoseMoney You could lose money over short or long periods by investing in this Fund.
Bar Chart and Performance Table [Heading] rr_BarChartAndPerformanceTableHeading Past performance
Performance Narrative [Text Block] rr_PerformanceNarrativeTextBlock

The following chart and table help illustrate some of the risks of investing in the Fund by showing changes in the Fund’s performance from year to year. The bar chart shows the annual total returns of the Retirement Class of the Fund, before taxes, in each full calendar year for the last ten years. Because the expenses vary across share classes, the performance of the Retirement Class may vary from the other share classes. Below the bar chart are the best and worst returns of the Retirement Class for a calendar quarter during the full calendar-year periods covered by the bar chart. The performance table following the bar chart shows the Fund’s average annual total returns for the Retirement, Institutional, Advisor and Premier classes over the applicable one-year, five-year, ten-year and since-inception periods ended December 31, 2018, and how those returns compare to those of a broad-based securities market index and a composite index that represents the market sectors in which the Fund invests across the equity and fixed-income asset classes. After-tax performance is shown only for the Retirement Class shares, and after-tax returns for the other classes of shares will vary from the after-tax returns presented for Retirement Class shares.


The returns shown below reflect previous agreements by Advisors to waive or reimburse the Fund and certain Underlying Funds for certain fees and expenses. Without these waivers and reimbursements, the returns of the Fund would have been lower. Past performance of the Fund (before and after taxes) is not necessarily an indication of how it will perform in the future. The indices listed below are unmanaged, and you cannot invest directly in an index. The returns for the indices reflect no deduction for fees, expenses or taxes.


For current performance information of each share class, including performance to the most recent month-end, please visit www.tiaa.org.

Performance Information Illustrates Variability of Returns [Text] rr_PerformanceInformationIllustratesVariabilityOfReturns The following chart and table help illustrate some of the risks of investing in the Fund by showing changes in the Fund’s performance from year to year.
Performance Additional Market Index [Text] rr_PerformanceAdditionalMarketIndex As of the close of business on December 31, 2018, the Lifecycle 2030 Fund Composite Index consisted of: 47.9% Russell 3000® Index; 28.8% Bloomberg Barclays U.S. Aggregate Bond Index; 20.5% MSCI All Country World Index ex USA Investable Market Index; 1.4% Bloomberg Barclays U.S. 1–3 Year Government/Credit Bond Index; and 1.4% Bloomberg Barclays U.S. Treasury Inflation Protected Securities (TIPS) 1-10 Year Index. The Fund’s composite benchmark, the components that make up a composite benchmark and the method of calculating a composite benchmark’s performance may vary over time.
Performance Availability Website Address [Text] rr_PerformanceAvailabilityWebSiteAddress www.tiaa.org
Performance Past Does Not Indicate Future [Text] rr_PerformancePastDoesNotIndicateFuture Past performance of the Fund (before and after taxes) is not necessarily an indication of how it will perform in the future.
Bar Chart [Heading] rr_BarChartHeading ANNUAL TOTAL RETURNS FOR THE RETIREMENT CLASS SHARES (%)† Lifecycle 2030 Fund
Bar Chart Footnotes [Text Block] rr_BarChartFootnotesTextBlock

 The year-to-date return as of the most recent calendar quarter, which ended on June 30, 2019, was 13.54%.

Bar Chart Closing [Text Block] rr_BarChartClosingTextBlock

Best quarter: 16.62%, for the quarter ended June 30, 2009. Worst quarter: -14.58%, for the quarter ended September 30, 2011.

Year to Date Return, Label rr_YearToDateReturnLabel The year-to-date return as of the most recent calendar quarter, which ended on June 30, 2019, was
Bar Chart, Year to Date Return, Date rr_BarChartYearToDateReturnDate Jun. 30, 2019
Bar Chart, Year to Date Return rr_BarChartYearToDateReturn 13.54%
Highest Quarterly Return, Label rr_HighestQuarterlyReturnLabel Best quarter:
Highest Quarterly Return, Date rr_BarChartHighestQuarterlyReturnDate Jun. 30, 2009
Highest Quarterly Return rr_BarChartHighestQuarterlyReturn 16.62%
Lowest Quarterly Return, Label rr_LowestQuarterlyReturnLabel Worst quarter:
Lowest Quarterly Return, Date rr_BarChartLowestQuarterlyReturnDate Sep. 30, 2011
Lowest Quarterly Return rr_BarChartLowestQuarterlyReturn (14.58%)
Index No Deduction for Fees, Expenses, Taxes [Text] rr_IndexNoDeductionForFeesExpensesTaxes (reflects no deductions for fees, expenses or taxes)
Performance Table Uses Highest Federal Rate rr_PerformanceTableUsesHighestFederalRate After-tax returns are calculated using the historical highest individual federal marginal income tax rates in effect during the periods shown and do not reflect the impact of state and local taxes.
Performance Table Not Relevant to Tax Deferred rr_PerformanceTableNotRelevantToTaxDeferred The after-tax returns shown are not relevant to investors who hold their Fund shares through tax-deferred arrangements such as 401(a), 401(k) or 403(b) plans or Individual Retirement Accounts (IRAs).
Performance Table One Class of after Tax Shown [Text] rr_PerformanceTableOneClassOfAfterTaxShown After-tax performance is shown only for the Retirement Class shares, and after-tax returns for the other classes of shares will vary from the after-tax returns presented for Retirement Class shares.
Performance Table Closing [Text Block] rr_PerformanceTableClosingTextBlock

Current performance of the Fund’s shares may be higher or lower than that shown above.



After-tax returns are calculated using the historical highest individual federal marginal income tax rates in effect during the periods shown and do not reflect the impact of state and local taxes. Actual after-tax returns depend on the investor’s tax situation and may differ from those shown. The after-tax returns shown are not relevant to investors who hold their Fund shares through tax-deferred arrangements such as 401(a), 401(k) or 403(b) plans or Individual Retirement Accounts (IRAs). After-tax returns are shown for only one class, and after-tax returns for other classes will vary.
 

Average Annual Return, Caption rr_AverageAnnualReturnCaption AVERAGE ANNUAL TOTAL RETURNS For the Periods Ended December 31, 2018
TIAA-CREF Lifecycle 2030 Fund | S&P Target Date 2030 Index  
Risk/Return: rr_RiskReturnAbstract  
1 Year rr_AverageAnnualReturnYear01 (5.99%)
5 Years rr_AverageAnnualReturnYear05 4.50%
10 Years rr_AverageAnnualReturnYear10 8.96%
TIAA-CREF Lifecycle 2030 Fund | Lifecycle 2030 Fund Composite Index (reflects no deductions for fees, expenses or taxes)  
Risk/Return: rr_RiskReturnAbstract  
1 Year rr_AverageAnnualReturnYear01 (5.35%) [1]
5 Years rr_AverageAnnualReturnYear05 4.99% [1]
10 Years rr_AverageAnnualReturnYear10 9.61% [1]
TIAA-CREF Lifecycle 2030 Fund | Institutional Class  
Risk/Return: rr_RiskReturnAbstract  
Maximum sales charge imposed on purchases (percentage of offering price) rr_MaximumSalesChargeImposedOnPurchasesOverOfferingPrice none
Maximum deferred sales charge rr_MaximumDeferredSalesChargeOverOfferingPrice none
Maximum sales charge imposed on reinvested dividends and other distributions rr_MaximumSalesChargeOnReinvestedDividendsAndDistributionsOverOther none
Redemption or exchange fee rr_RedemptionFeeOverRedemption none
Maximum account fee rr_MaximumAccountFeeOverAssets none
Management fees rr_ManagementFeesOverAssets 0.47% [2],[3]
Other expenses rr_OtherExpensesOverAssets 0.03% [2],[3]
Acquired Fund fees and expenses rr_AcquiredFundFeesAndExpensesOverAssets 0.03% [4]
Total annual Fund operating expenses rr_ExpensesOverAssets 0.53%
Waivers and expense reimbursements rr_FeeWaiverOrReimbursementOverAssets (0.11%) [5],[6]
Total annual Fund operating expenses after fee waiver and/or expense reimbursement rr_NetExpensesOverAssets 0.42%
Expense Example, with Redemption, 1 Year rr_ExpenseExampleYear01 $ 43
Expense Example, with Redemption, 3 Years rr_ExpenseExampleYear03 137
Expense Example, with Redemption, 5 Years rr_ExpenseExampleYear05 264
Expense Example, with Redemption, 10 Years rr_ExpenseExampleYear10 $ 634
1 Year rr_AverageAnnualReturnYear01 (7.09%)
5 Years rr_AverageAnnualReturnYear05 4.56%
10 Years rr_AverageAnnualReturnYear10 9.73%
Inception Date rr_AverageAnnualReturnInceptionDate Jan. 17, 2007
TIAA-CREF Lifecycle 2030 Fund | Advisor Class  
Risk/Return: rr_RiskReturnAbstract  
Maximum sales charge imposed on purchases (percentage of offering price) rr_MaximumSalesChargeImposedOnPurchasesOverOfferingPrice none
Maximum deferred sales charge rr_MaximumDeferredSalesChargeOverOfferingPrice none
Maximum sales charge imposed on reinvested dividends and other distributions rr_MaximumSalesChargeOnReinvestedDividendsAndDistributionsOverOther none
Redemption or exchange fee rr_RedemptionFeeOverRedemption none
Maximum account fee rr_MaximumAccountFeeOverAssets none
Management fees rr_ManagementFeesOverAssets 0.47% [2],[3]
Other expenses rr_OtherExpensesOverAssets 0.11% [2],[3]
Acquired Fund fees and expenses rr_AcquiredFundFeesAndExpensesOverAssets 0.03% [4]
Total annual Fund operating expenses rr_ExpensesOverAssets 0.61%
Waivers and expense reimbursements rr_FeeWaiverOrReimbursementOverAssets (0.11%) [5],[6]
Total annual Fund operating expenses after fee waiver and/or expense reimbursement rr_NetExpensesOverAssets 0.50%
Expense Example, with Redemption, 1 Year rr_ExpenseExampleYear01 $ 51
Expense Example, with Redemption, 3 Years rr_ExpenseExampleYear03 163
Expense Example, with Redemption, 5 Years rr_ExpenseExampleYear05 308
Expense Example, with Redemption, 10 Years rr_ExpenseExampleYear10 $ 731
1 Year rr_AverageAnnualReturnYear01 (7.14%)
5 Years rr_AverageAnnualReturnYear05 4.43% [7]
10 Years rr_AverageAnnualReturnYear10 9.52% [7]
Inception Date rr_AverageAnnualReturnInceptionDate Dec. 04, 2015
TIAA-CREF Lifecycle 2030 Fund | Premier Class  
Risk/Return: rr_RiskReturnAbstract  
Maximum sales charge imposed on purchases (percentage of offering price) rr_MaximumSalesChargeImposedOnPurchasesOverOfferingPrice none
Maximum deferred sales charge rr_MaximumDeferredSalesChargeOverOfferingPrice none
Maximum sales charge imposed on reinvested dividends and other distributions rr_MaximumSalesChargeOnReinvestedDividendsAndDistributionsOverOther none
Redemption or exchange fee rr_RedemptionFeeOverRedemption none
Maximum account fee rr_MaximumAccountFeeOverAssets none
Management fees rr_ManagementFeesOverAssets 0.47% [2],[3]
Distribution (Rule 12b-1) fees rr_DistributionAndService12b1FeesOverAssets 0.15%
Other expenses rr_OtherExpensesOverAssets 0.03% [2],[3]
Acquired Fund fees and expenses rr_AcquiredFundFeesAndExpensesOverAssets 0.03% [4]
Total annual Fund operating expenses rr_ExpensesOverAssets 0.68%
Waivers and expense reimbursements rr_FeeWaiverOrReimbursementOverAssets (0.11%) [5],[6]
Total annual Fund operating expenses after fee waiver and/or expense reimbursement rr_NetExpensesOverAssets 0.57%
Expense Example, with Redemption, 1 Year rr_ExpenseExampleYear01 $ 58
Expense Example, with Redemption, 3 Years rr_ExpenseExampleYear03 185
Expense Example, with Redemption, 5 Years rr_ExpenseExampleYear05 346
Expense Example, with Redemption, 10 Years rr_ExpenseExampleYear10 $ 816
1 Year rr_AverageAnnualReturnYear01 (7.18%)
5 Years rr_AverageAnnualReturnYear05 4.42%
10 Years rr_AverageAnnualReturnYear10 9.55% [7]
Inception Date rr_AverageAnnualReturnInceptionDate Sep. 30, 2009
TIAA-CREF Lifecycle 2030 Fund | Retirement Class  
Risk/Return: rr_RiskReturnAbstract  
Maximum sales charge imposed on purchases (percentage of offering price) rr_MaximumSalesChargeImposedOnPurchasesOverOfferingPrice none
Maximum deferred sales charge rr_MaximumDeferredSalesChargeOverOfferingPrice none
Maximum sales charge imposed on reinvested dividends and other distributions rr_MaximumSalesChargeOnReinvestedDividendsAndDistributionsOverOther none
Redemption or exchange fee rr_RedemptionFeeOverRedemption none
Maximum account fee rr_MaximumAccountFeeOverAssets none
Management fees rr_ManagementFeesOverAssets 0.47% [2],[3]
Other expenses rr_OtherExpensesOverAssets 0.28% [2],[3]
Acquired Fund fees and expenses rr_AcquiredFundFeesAndExpensesOverAssets 0.03% [4]
Total annual Fund operating expenses rr_ExpensesOverAssets 0.78%
Waivers and expense reimbursements rr_FeeWaiverOrReimbursementOverAssets (0.11%) [5],[6]
Total annual Fund operating expenses after fee waiver and/or expense reimbursement rr_NetExpensesOverAssets 0.67%
Expense Example, with Redemption, 1 Year rr_ExpenseExampleYear01 $ 68
Expense Example, with Redemption, 3 Years rr_ExpenseExampleYear03 217
Expense Example, with Redemption, 5 Years rr_ExpenseExampleYear05 401
Expense Example, with Redemption, 10 Years rr_ExpenseExampleYear10 $ 936
Annual Return 2009 rr_AnnualReturn2009 26.70%
Annual Return 2010 rr_AnnualReturn2010 14.39%
Annual Return 2011 rr_AnnualReturn2011 (2.61%)
Annual Return 2012 rr_AnnualReturn2012 16.21%
Annual Return 2013 rr_AnnualReturn2013 21.84%
Annual Return 2014 rr_AnnualReturn2014 4.53%
Annual Return 2015 rr_AnnualReturn2015 0.05%
Annual Return 2016 rr_AnnualReturn2016 7.07%
Annual Return 2017 rr_AnnualReturn2017 18.86%
Annual Return 2018 rr_AnnualReturn2018 (7.24%)
1 Year rr_AverageAnnualReturnYear01 (7.24%)
5 Years rr_AverageAnnualReturnYear05 4.30%
10 Years rr_AverageAnnualReturnYear10 9.45%
Inception Date rr_AverageAnnualReturnInceptionDate Oct. 15, 2004
TIAA-CREF Lifecycle 2030 Fund | Retirement Class | After Taxes on Distributions  
Risk/Return: rr_RiskReturnAbstract  
1 Year rr_AverageAnnualReturnYear01 (8.73%)
5 Years rr_AverageAnnualReturnYear05 2.73%
10 Years rr_AverageAnnualReturnYear10 8.20%
TIAA-CREF Lifecycle 2030 Fund | Retirement Class | After Taxes on Distributions and Sale of Fund Shares  
Risk/Return: rr_RiskReturnAbstract  
1 Year rr_AverageAnnualReturnYear01 (3.45%)
5 Years rr_AverageAnnualReturnYear05 3.06%
10 Years rr_AverageAnnualReturnYear10 7.50%
[1] As of the close of business on December 31, 2018, the Lifecycle 2030 Fund Composite Index consisted of: 47.9% Russell 3000® Index; 28.8% Bloomberg Barclays U.S. Aggregate Bond Index; 20.5% MSCI All Country World Index ex USA Investable Market Index; 1.4% Bloomberg Barclays U.S. 1-3 Year Government/Credit Bond Index; and 1.4% Bloomberg Barclays U.S. Treasury Inflation Protected Securities (TIPS) 1-10 Year Index. The Fund's composite benchmark, the components that make up a composite benchmark and the method of calculating a composite benchmark's performance may vary over time.
[2] Portions of the Management fees and Other expenses are based on expenses originally incurred by Class W shares of the Underlying Funds (as defined below) of the Trust, which have been incurred directly by the Fund pursuant to certain contractual arrangements intended to reallocate directly to the Fund certain fees and expenses that had been paid by the Underlying Funds of the Trust. For additional information, please see the "Management of the Funds" section of this Prospectus.
[3] Restated to reflect estimates for the current fiscal year.
[4] "Acquired Fund fees and expenses" are the Fund's proportionate amount of the expenses of any investment companies or pools in which it invests (excluding expenses originally incurred by Class W of the Underlying Funds of the Trust that have been incurred directly by the Fund, which are instead reflected in Management fees and Other expenses). These expenses are not paid directly by Fund shareholders. Instead, Fund shareholders bear these expenses indirectly because they reduce Fund performance. Because "Acquired Fund fees and expenses" are included in the chart above, the Fund's operating expenses here will not correlate with the expenses included in the Financial highlights in this Prospectus and the Fund's annual report.
[5] Advisors has contractually agreed to waive 0.10% of the Fund's Management fee. This waiver will remain in effect through September 30, 2022, unless changed with the approval of the Board of Trustees.
[6] Under the Fund's expense reimbursement arrangements, the Fund's investment adviser, Teachers Advisors, LLC ("Advisors"), has contractually agreed to reimburse the Fund for any Total annual Fund operating expenses (excluding interest, taxes, brokerage commissions or other transactional expenses, Acquired Fund fees and expenses, extraordinary expenses and any expenses originally attributable to Class W shares of the Underlying Funds of the Trust that were incurred directly by the Fund) that exceed: (i) 0.00% of average daily net assets for Institutional Class shares; (ii) 0.15% of average daily net assets for Advisor Class shares; (iii) 0.15% of average daily net assets for Premier Class shares; and (iv) 0.25% of average daily net assets for Retirement Class shares of the Fund. These expense reimbursement arrangements will continue through at least September 30, 2020, unless changed with approval of the Board of Trustees.
[7] The performance shown for the Advisor and Premier classes that is prior to their inception dates is based on performance of the Fund's Retirement Class. The performance for these periods has not been restated to reflect the lower expenses of the Advisor and Premier classes.
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Label Element Value
TIAA-CREF Lifecycle 2045 Fund  
Risk/Return: rr_RiskReturnAbstract  
Risk/Return [Heading] rr_RiskReturnHeading TIAA-CREF Lifecycle 2045 Fund
Objective [Heading] rr_ObjectiveHeading Investment objective
Objective, Primary [Text Block] rr_ObjectivePrimaryTextBlock

The Lifecycle 2045 Fund seeks high total return over time through a combination of capital appreciation and income.

Expense [Heading] rr_ExpenseHeading Fees and expenses
Expense Narrative [Text Block] rr_ExpenseNarrativeTextBlock

This table describes the fees and expenses that you may pay if you buy and hold shares of the Fund. In addition to the fees and expenses described below, investors may be required to pay a commission to a broker-dealer or other financial intermediary on purchases and sales of Institutional Class or Advisor Class shares of the Fund.

Shareholder Fees Caption [Text] rr_ShareholderFeesCaption SHAREHOLDER FEES (fees paid directly from your investment)
Operating Expenses Caption [Text] rr_OperatingExpensesCaption ANNUAL FUND OPERATING EXPENSES (expenses that you pay each year as a percentage of the value of your investment)
Fee Waiver or Reimbursement over Assets, Date of Termination rr_FeeWaiverOrReimbursementOverAssetsDateOfTermination Sep. 30, 2020
Portfolio Turnover [Heading] rr_PortfolioTurnoverHeading Portfolio turnover
Portfolio Turnover [Text Block] rr_PortfolioTurnoverTextBlock

The Fund pays transaction costs, such as commissions, when it buys and sells securities (or “turns over” its portfolio). A higher portfolio turnover rate may indicate higher transaction costs and may result in higher taxes when Fund shares are held in a taxable account. These costs, which are not reflected in annual fund operating expenses or in the example, affect the Fund’s performance. During the fiscal year ended May 31, 2019, the Fund’s portfolio turnover rate was 13% of the average value of its portfolio.

Portfolio Turnover, Rate rr_PortfolioTurnoverRate 13.00%
Expenses Restated to Reflect Current [Text] rr_ExpensesRestatedToReflectCurrent Restated to reflect estimates for the current fiscal year.
Expenses Not Correlated to Ratio Due to Acquired Fund Fees [Text] rr_ExpensesNotCorrelatedToRatioDueToAcquiredFundFees “Acquired Fund fees and expenses” are the Fund’s proportionate amount of the expenses of any investment companies or pools in which it invests (excluding expenses originally incurred by Class W of the Underlying Funds of the Trust that have been incurred directly by the Fund, which are instead reflected in Management fees and Other expenses). These expenses are not paid directly by Fund shareholders. Instead, Fund shareholders bear these expenses indirectly because they reduce Fund performance. Because “Acquired Fund fees and expenses” are included in the chart above, the Fund’s operating expenses here will not correlate with the expenses included in the Financial highlights in this Prospectus and the Fund’s annual report.
Expense Example [Heading] rr_ExpenseExampleHeading Example
Expense Example Narrative [Text Block] rr_ExpenseExampleNarrativeTextBlock

This example is intended to help you compare the cost of investing in shares of the Fund with the cost of investing in other mutual funds. The example assumes that you invest $10,000 in the Fund for the time periods indicated and then redeem all your shares at the end of those periods. The example also assumes that your investment has a 5% return each year and that the Fund’s operating expenses, before fee waivers and/or expense reimbursements, remain the same. The example assumes that the Fund’s fee waiver and/or expense reimbursement arrangements will each remain in place for the durations noted in the table above. Although your actual costs may be higher or lower, based on these assumptions your costs would be:

Strategy [Heading] rr_StrategyHeading Principal investment strategies
Strategy Narrative [Text Block] rr_StrategyNarrativeTextBlock

The Fund is a “fund of funds” that invests in Class W shares of other funds of the Trust and in other investment pools or investment products, potentially including other funds advised by the Fund’s investment adviser, Teachers Advisors, LLC (“Advisors”), or its affiliates (collectively, the “Underlying Funds”). In general, the Fund is designed for investors who have an approximate target retirement year in mind, and the Fund’s investments are adjusted from more aggressive to more conservative over time as the Fund’s target retirement year approaches and for approximately 30 years afterwards. The Fund invests in Underlying Funds according to an asset allocation strategy designed for investors retiring in, or planning to retire within a few years of, 2045 and who may begin taking systematic withdrawals upon retirement.


Advisors currently expects to allocate approximately 90.00% of the Fund’s assets to equity Underlying Funds, 5.00% of its assets to fixed-income Underlying Funds and 5.00% of its assets to direct real estate Underlying Funds. These allocations represent targets for equity, fixed-income and direct real estate asset classes. Target allocations will change over time and actual allocations may vary up to ten percentage points from the targets. The target allocations along the investment glidepath, illustrated in the chart below, gradually become more conservative, moving to target allocations of approximately 45.00% equity/50.00% fixed-income/5.00% direct real estate in the Fund’s target retirement year of 2045 and reaching the Fund’s final target allocation of approximately 20.00% equity/80.00% fixed-income/0.00% direct real estate in 2075. Within the equity, fixed-income and direct real estate asset classes, Advisors allocates the Fund’s investments to particular market sectors (U.S. equity, international equity, fixed-income, short-term fixed-income, inflation-protected assets and direct real estate) represented by various Underlying Funds. These market sector allocations may vary by up to 10% from the Fund’s target market sector allocations. The Fund’s current target market sector allocations for June 30, 2020, which will change over time, are approximately as follows: U.S. Equity: 63.00%; International Equity: 27.00%; Fixed-Income: 5.00%; Short-Term Fixed-Income: 0.00%; Inflation-Protected Assets: 0.00%; and Direct Real Estate: 5.00%. The asset class and market sector names used herein are intended to reflect the primary type of investment of the Underlying Funds within each of these categories.


The Fund’s target market sector allocations to Underlying Funds may include the TIAA-CREF Growth & Income Fund, Large-Cap Growth Fund, Large-Cap Value Fund, Quant Large-Cap Growth Fund, Quant Large-Cap Value Fund, Quant Small-Cap Equity Fund and Quant Small/Mid-Cap Equity Fund (U.S. Equity); Emerging Markets Equity Fund, International Equity Fund, International Opportunities Fund, Quant International Equity Fund and Quant International Small-Cap Equity Fund (International Equity); Bond Fund, Bond Plus Fund, Emerging Markets Debt Fund, High-Yield Fund and International Bond Fund (Fixed-Income); Money Market Fund and Short-Term Bond Fund (Short-Term Fixed-Income); Inflation-Linked Bond Fund (Inflation-Protected Assets); and Real Property Fund LP (Direct Real Estate). TIAA-CREF Real Property Fund LP is a private fund, which is not available for investment by the general public; it is currently offered exclusively to investment pools or investment products managed by Advisors or its affiliates.


Additional or replacement Underlying Funds for each market sector, as well as additional or replacement market sectors, may be included when making future allocations if Advisors believes that such Underlying Funds and/or market sectors are appropriate in light of the Fund’s desired levels of risk and potential return at the particular time. The Fund’s portfolio management team may also add a new market sector if it believes that will help to achieve the Fund’s investment objective. The relative allocations among Underlying Funds within a market sector may be changed at any time without notice to shareholders, and the portfolio management team may use tactical allocation to take advantage of short to intermediate term opportunities through a combination of positions in Underlying Funds. If 10% or more of the Fund’s assets are expected to be invested in any Underlying Fund or market sector not listed above, shareholders will receive prior notice of such change.


The Fund’s asset class allocations, market sector allocations within each asset class, and Underlying Fund allocations within each market sector, as of June 30, 2019, are listed in the chart below. These allocations will change over time. Underlying Fund allocations in particular may change from year to year.


        

Asset Class

Allocation

  

Market Sector

Allocation

 

Underlying Funds

Allocation

Equity

90.42%

 

U.S. Equity

63.40%

 

Ÿ Growth & Income Fund

13.30%

      

Ÿ Large-Cap Growth Fund

12.00%

      

Ÿ Large-Cap Value Fund

11.62%

      

Ÿ Quant Large-Cap Growth Fund

10.48%

      

Ÿ Quant Large-Cap Value Fund

10.19%

      

Ÿ Quant Small-Cap Equity Fund

3.26%

      

Ÿ Quant Small/Mid-Cap Equity Fund

2.55%

   

International Equity

27.02%

 

Ÿ Quant International Equity Fund

7.05%

      

Ÿ International Equity Fund

5.88%

      

Ÿ International Opportunities Fund

5.86%

      

Ÿ Emerging Markets Equity Fund

4.63%

      

Ÿ Quant International Small-Cap Equity Fund

3.60%

Fixed-Income

4.97%

 

Fixed-Income

4.97%

 

Ÿ Bond Fund

2.60%

      

Ÿ Bond Plus Fund

1.61%

      

Ÿ Emerging Markets Debt Fund

0.43%

      

Ÿ International Bond Fund

0.26%

      

Ÿ High-Yield Fund

0.07%

Real Estate

4.61%

 

Direct Real Estate

4.61%

 

Ÿ TIAA-CREF Real Property Fund LP

4.61%


        

Total

100.00%

  

100.00%

  

100.00%


The following chart shows how the investment glidepath for the Fund is expected to gradually move the Fund’s target allocations over time between the different target market sector allocations. The actual market sector allocations of the Fund may differ from this chart. The Fund seeks to achieve its final target market sector allocations approximately 30 years following the target date.


Lifecycle Funds Glidepath as of June 30, 2020
Years to Target Retirement Date US Equities International Equities Direct Real Estate Fixed Income Short Term Fixed Income Inflation Protected Bonds
45 66.50% 28.50% 5.00% 0.00% 0.00% 0.00%
40 65.62% 28.13% 5.00% 1.25% 0.00% 0.00%
35 64.75% 27.75% 5.00% 2.50% 0.00% 0.00%
30 63.87% 27.38% 5.00% 3.75% 0.00% 0.00%
25 63.00% 27.00% 5.00% 5.00% 0.00% 0.00%
20 56.70% 24.30% 5.00% 14.00% 0.00% 0.00%
15 50.40% 21.60% 5.00% 23.00% 0.00% 0.00%
10 44.10% 18.90% 5.00% 28.00% 2.00% 2.00%
5 37.80% 16.20% 5.00% 33.00% 4.00% 4.00%
0 31.50% 13.50% 5.00% 38.00% 6.00% 6.00%
-5 28.00% 12.00% 5.00% 39.00% 8.00% 8.00%
-10 24.50% 10.50% 5.00% 40.00% 10.00% 10.00%
-15 22.75% 9.75% 2.50% 40.00% 15.00% 10.00%
-20 21.00% 9.00% 0.00% 40.00% 20.00% 10.00%
-25 17.50% 7.50% 0.00% 40.00% 25.00% 10.00%
-30 14.00% 6.00% 0.00% 40.00% 30.00% 10.00%

The Fund is designed to accommodate investors who invest in a fund up to their target retirement date, and plan to make gradual systematic withdrawals in retirement. In addition, investors should note that the Fund will continue to have a significant level of equity exposure up to, through and after its target retirement date, and this exposure could cause significant fluctuations in the value of the Fund depending on the performance of the equity markets generally.


After the Fund reaches its final target allocation, the Board of Trustees may authorize the merger of the Fund into another Lifecycle Fund which has also reached its final target allocation or other similar fund designed to maintain a relatively stable asset allocation reflecting the resting point on the glidepath described in the chart above. Fund shareholders will receive prior notice of any such merger.

Risk [Heading] rr_RiskHeading Principal investment risks
Risk Narrative [Text Block] rr_RiskNarrativeTextBlock

You could lose money over short or long periods by investing in this Fund. An investment in the Fund, due to the nature of the Fund’s portfolio holdings, typically is subject to the following principal investment risks:


· Asset Allocation Risk—The risk that the Fund may not achieve its target allocations. In addition, there is the risk that the asset allocations may not achieve the desired risk-return characteristic or that the selection of Underlying Funds and the allocations among them will result in the Fund underperforming other similar funds or cause an investor to lose money.


· Underlying Funds Risks—The Fund is exposed to the risks of the Underlying Funds in which it invests in direct proportion to the amount of assets the Fund allocates to each Underlying Fund.


· Equity Underlying Funds Risks—The risks of investing in equity Underlying Funds include risks specific to their investment strategies, as well as risks related to the equity markets in general, such as:


· market risk—The risk that the price of equity investments may decline in response to general market and economic conditions or events, including conditions and developments outside of the financial markets;


· issuer risk—The risk that an issuer’s earnings prospects and overall financial position will deteriorate, causing a decline in the value of the issuer’s financial instruments over short or extended periods of time; and


· foreign investment risk—The increased risks of adverse issuer, political, regulatory, currency, market or economic developments compared to investments in U.S. issuers, which can result in greater market and price volatility.


· Fixed-Income Underlying Funds Risks—The risks of investing in fixed-income Underlying Funds include risks specific to their investment strategies, as well as risks related to the fixed-income markets in general, such as:


· interest rate risk—The risk that the value or yield of fixed-income investments may decline if interest rates change, which could adversely affect a Fund’s income or the value of its holdings;


· extension risk—The risk that during periods of rising interest rates, borrowers may pay off their mortgage loans later than expected, preventing a Fund from reinvesting principal proceeds at higher interest rates and resulting in less income than potentially available;


· issuer risk—The risk that an issuer’s earnings prospects and overall financial position will deteriorate, causing a decline in the value of the issuer’s financial instruments over short or extended periods of time;


· credit risk—The risk that a decline in an issuer’s financial position may prevent it from making principal and interest payments on fixed-income investments held by a Fund when due;


· credit spread risk—The risk that credit spreads (i.e., the difference in yield between securities that is due to differences in each security’s respective credit quality) may increase when market participants believe that bonds generally have a greater risk of default, which could result in a decline in the market values of a Fund’s debt securities;


· income volatility risk—The risk that the level of current income from a Fund’s portfolio of fixed-income securities may decline due to rapid and unpredictable changes in prevailing market interest rates; and


· call risk—The risk that, during periods of falling interest rates, an issuer may call (or repay) a fixed-income security prior to maturity, resulting in a decline in a Fund’s income.


· Direct Real Estate Underlying Funds Risks—The risks of investing in direct real estate Underlying Funds include risks specific to their investment strategies, as well as risks related to investing in real estate in general, such as:


· real estate-related investment risk—The risks associated with exposure to direct real estate through investing in investment vehicles managed by Advisors that will primarily invest directly in real estate, which can include declines in real estate values or revenues, uninsured losses at properties, the absence of regulatory oversight of and a secondary market for interests in direct real estate Underlying Funds, a scarcity of interests issued by direct real estate Underlying Funds, making it difficult for the Fund to achieve its target allocation, and illiquidity of interests in direct real estate Underlying Funds.


· Active Management Risk—The risk that the strategy, investment selection or trading execution of Advisors could cause the Fund or an Underlying Fund to underperform its benchmark index or mutual funds with similar investment objectives.


· Fund of Funds Risk—The ability of the Fund to achieve its investment objective will depend in part upon the ability of the Underlying Funds to achieve their investment objectives. There can be no guarantee that any Underlying Fund will achieve its investment objective.


There can be no assurances that the Fund will achieve its investment objective. You should not consider the Fund to be a complete investment program. Please see the non-summary portion of the Prospectus for more detailed information about the risks described above, including the risks of the Underlying Funds.

Risk Lose Money [Text] rr_RiskLoseMoney You could lose money over short or long periods by investing in this Fund.
Bar Chart and Performance Table [Heading] rr_BarChartAndPerformanceTableHeading Past performance
Performance Narrative [Text Block] rr_PerformanceNarrativeTextBlock

The following chart and table help illustrate some of the risks of investing in the Fund by showing changes in the Fund’s performance from year to year. The bar chart shows the annual total returns of the Retirement Class of the Fund, before taxes, in each full calendar year for the last ten years. Because the expenses vary across share classes, the performance of the Retirement Class may vary from the other share classes. Below the bar chart are the best and worst returns of the Retirement Class for a calendar quarter during the full calendar-year periods covered by the bar chart. The performance table following the bar chart shows the Fund’s average annual total returns for the Retirement, Institutional, Advisor and Premier classes over the applicable one-year, five-year, ten-year and since-inception periods ended December 31, 2018, and how those returns compare to those of a broad-based securities market index and a composite index that represents the market sectors in which the Fund invests across the equity and fixed-income asset classes. After-tax performance is shown only for the Retirement Class shares, and after-tax returns for the other classes of shares will vary from the after-tax returns presented for Retirement Class shares.


The returns shown below reflect previous agreements by Advisors to waive or reimburse the Fund and certain Underlying Funds for certain fees and expenses. Without these waivers and reimbursements, the returns of the Fund would have been lower. Past performance of the Fund (before and after taxes) is not necessarily an indication of how it will perform in the future. The indices listed below are unmanaged, and you cannot invest directly in an index. The returns for the indices reflect no deduction for fees, expenses or taxes.


For current performance information of each share class, including performance to the most recent month-end, please visit www.tiaa.org.

Performance Information Illustrates Variability of Returns [Text] rr_PerformanceInformationIllustratesVariabilityOfReturns The following chart and table help illustrate some of the risks of investing in the Fund by showing changes in the Fund’s performance from year to year.
Performance Additional Market Index [Text] rr_PerformanceAdditionalMarketIndex As of the close of business on December 31, 2018, the Lifecycle 2045 Fund Composite Index consisted of: 63.3% Russell 3000® Index; 27.1% MSCI All Country World Index ex USA Investable Market Index; and 9.6% Bloomberg Barclays U.S. Aggregate Bond Index. The Fund’s composite benchmark, the components that make up a composite benchmark and the method of calculating a composite benchmark’s performance may vary over time.
Performance Availability Website Address [Text] rr_PerformanceAvailabilityWebSiteAddress www.tiaa.org
Performance Past Does Not Indicate Future [Text] rr_PerformancePastDoesNotIndicateFuture Past performance of the Fund (before and after taxes) is not necessarily an indication of how it will perform in the future.
Bar Chart [Heading] rr_BarChartHeading ANNUAL TOTAL RETURNS FOR THE RETIREMENT CLASS SHARES (%)† Lifecycle 2045 Fund
Bar Chart Footnotes [Text Block] rr_BarChartFootnotesTextBlock

 The year-to-date return as of the most recent calendar quarter, which ended on June 30, 2019, was 16.14%.

Bar Chart Closing [Text Block] rr_BarChartClosingTextBlock

Best quarter: 17.33%, for the quarter ended June 30, 2009. Worst quarter: -16.44%, for the quarter ended September 30, 2011.

Year to Date Return, Label rr_YearToDateReturnLabel The year-to-date return as of the most recent calendar quarter, which ended on June 30, 2019, was
Bar Chart, Year to Date Return, Date rr_BarChartYearToDateReturnDate Jun. 30, 2019
Bar Chart, Year to Date Return rr_BarChartYearToDateReturn 16.14%
Highest Quarterly Return, Label rr_HighestQuarterlyReturnLabel Best quarter:
Highest Quarterly Return, Date rr_BarChartHighestQuarterlyReturnDate Jun. 30, 2009
Highest Quarterly Return rr_BarChartHighestQuarterlyReturn 17.33%
Lowest Quarterly Return, Label rr_LowestQuarterlyReturnLabel Worst quarter:
Lowest Quarterly Return, Date rr_BarChartLowestQuarterlyReturnDate Sep. 30, 2011
Lowest Quarterly Return rr_BarChartLowestQuarterlyReturn (16.44%)
Index No Deduction for Fees, Expenses, Taxes [Text] rr_IndexNoDeductionForFeesExpensesTaxes (reflects no deductions for fees, expenses or taxes)
Performance Table Uses Highest Federal Rate rr_PerformanceTableUsesHighestFederalRate After-tax returns are calculated using the historical highest individual federal marginal income tax rates in effect during the periods shown and do not reflect the impact of state and local taxes.
Performance Table Not Relevant to Tax Deferred rr_PerformanceTableNotRelevantToTaxDeferred The after-tax returns shown are not relevant to investors who hold their Fund shares through tax-deferred arrangements such as 401(a), 401(k) or 403(b) plans or Individual Retirement Accounts (IRAs).
Performance Table One Class of after Tax Shown [Text] rr_PerformanceTableOneClassOfAfterTaxShown After-tax performance is shown only for the Retirement Class shares, and after-tax returns for the other classes of shares will vary from the after-tax returns presented for Retirement Class shares.
Performance Table Closing [Text Block] rr_PerformanceTableClosingTextBlock

Current performance of the Fund’s shares may be higher or lower than that shown above.


After-tax returns are calculated using the historical highest individual federal marginal income tax rates in effect during the periods shown and do not reflect the impact of state and local taxes. Actual after-tax returns depend on the investor’s tax situation and may differ from those shown. The after-tax returns shown are not relevant to investors who hold their Fund shares through tax-deferred arrangements such as 401(a), 401(k) or 403(b) plans or Individual Retirement Accounts (IRAs). After-tax returns are shown for only one class, and after-tax returns for other classes will vary.

Average Annual Return, Caption rr_AverageAnnualReturnCaption AVERAGE ANNUAL TOTAL RETURNS For the Periods Ended December 31, 2018
TIAA-CREF Lifecycle 2045 Fund | S&P Target Date 2045 Index  
Risk/Return: rr_RiskReturnAbstract  
1 Year rr_AverageAnnualReturnYear01 (7.74%)
5 Years rr_AverageAnnualReturnYear05 4.91%
10 Years rr_AverageAnnualReturnYear10 9.88%
TIAA-CREF Lifecycle 2045 Fund | Lifecycle 2045 Fund Composite Index (reflects no deductions for fees, expenses or taxes)  
Risk/Return: rr_RiskReturnAbstract  
1 Year rr_AverageAnnualReturnYear01 (7.27%) [1]
5 Years rr_AverageAnnualReturnYear05 5.53% [1]
10 Years rr_AverageAnnualReturnYear10 10.49% [1]
TIAA-CREF Lifecycle 2045 Fund | Institutional Class  
Risk/Return: rr_RiskReturnAbstract  
Maximum sales charge imposed on purchases (percentage of offering price) rr_MaximumSalesChargeImposedOnPurchasesOverOfferingPrice none
Maximum deferred sales charge rr_MaximumDeferredSalesChargeOverOfferingPrice none
Maximum sales charge imposed on reinvested dividends and other distributions rr_MaximumSalesChargeOnReinvestedDividendsAndDistributionsOverOther none
Redemption or exchange fee rr_RedemptionFeeOverRedemption none
Maximum account fee rr_MaximumAccountFeeOverAssets none
Management fees rr_ManagementFeesOverAssets 0.50% [2],[3]
Other expenses rr_OtherExpensesOverAssets 0.03% [2],[3]
Acquired Fund fees and expenses rr_AcquiredFundFeesAndExpensesOverAssets 0.03% [4]
Total annual Fund operating expenses rr_ExpensesOverAssets 0.56%
Waivers and expense reimbursements rr_FeeWaiverOrReimbursementOverAssets (0.11%) [5],[6]
Total annual Fund operating expenses after fee waiver and/or expense reimbursement rr_NetExpensesOverAssets 0.45%
Expense Example, with Redemption, 1 Year rr_ExpenseExampleYear01 $ 46
Expense Example, with Redemption, 3 Years rr_ExpenseExampleYear03 147
Expense Example, with Redemption, 5 Years rr_ExpenseExampleYear05 280
Expense Example, with Redemption, 10 Years rr_ExpenseExampleYear10 $ 670
1 Year rr_AverageAnnualReturnYear01 (9.59%)
5 Years rr_AverageAnnualReturnYear05 4.81%
10 Years rr_AverageAnnualReturnYear10 10.38%
Inception Date rr_AverageAnnualReturnInceptionDate Nov. 30, 2007
TIAA-CREF Lifecycle 2045 Fund | Advisor Class  
Risk/Return: rr_RiskReturnAbstract  
Maximum sales charge imposed on purchases (percentage of offering price) rr_MaximumSalesChargeImposedOnPurchasesOverOfferingPrice none
Maximum deferred sales charge rr_MaximumDeferredSalesChargeOverOfferingPrice none
Maximum sales charge imposed on reinvested dividends and other distributions rr_MaximumSalesChargeOnReinvestedDividendsAndDistributionsOverOther none
Redemption or exchange fee rr_RedemptionFeeOverRedemption none
Maximum account fee rr_MaximumAccountFeeOverAssets none
Management fees rr_ManagementFeesOverAssets 0.50% [2],[3]
Other expenses rr_OtherExpensesOverAssets 0.11% [2],[3]
Acquired Fund fees and expenses rr_AcquiredFundFeesAndExpensesOverAssets 0.03% [4]
Total annual Fund operating expenses rr_ExpensesOverAssets 0.64%
Waivers and expense reimbursements rr_FeeWaiverOrReimbursementOverAssets (0.11%) [5],[6]
Total annual Fund operating expenses after fee waiver and/or expense reimbursement rr_NetExpensesOverAssets 0.53%
Expense Example, with Redemption, 1 Year rr_ExpenseExampleYear01 $ 54
Expense Example, with Redemption, 3 Years rr_ExpenseExampleYear03 172
Expense Example, with Redemption, 5 Years rr_ExpenseExampleYear05 324
Expense Example, with Redemption, 10 Years rr_ExpenseExampleYear10 $ 767
1 Year rr_AverageAnnualReturnYear01 (9.67%)
5 Years rr_AverageAnnualReturnYear05 4.68% [7]
10 Years rr_AverageAnnualReturnYear10 10.18% [7]
Inception Date rr_AverageAnnualReturnInceptionDate Dec. 04, 2015
TIAA-CREF Lifecycle 2045 Fund | Premier Class  
Risk/Return: rr_RiskReturnAbstract  
Maximum sales charge imposed on purchases (percentage of offering price) rr_MaximumSalesChargeImposedOnPurchasesOverOfferingPrice none
Maximum deferred sales charge rr_MaximumDeferredSalesChargeOverOfferingPrice none
Maximum sales charge imposed on reinvested dividends and other distributions rr_MaximumSalesChargeOnReinvestedDividendsAndDistributionsOverOther none
Redemption or exchange fee rr_RedemptionFeeOverRedemption none
Maximum account fee rr_MaximumAccountFeeOverAssets none
Management fees rr_ManagementFeesOverAssets 0.50% [2],[3]
Distribution (Rule 12b-1) fees rr_DistributionAndService12b1FeesOverAssets 0.15%
Other expenses rr_OtherExpensesOverAssets 0.03% [2],[3]
Acquired Fund fees and expenses rr_AcquiredFundFeesAndExpensesOverAssets 0.03% [4]
Total annual Fund operating expenses rr_ExpensesOverAssets 0.71%
Waivers and expense reimbursements rr_FeeWaiverOrReimbursementOverAssets (0.11%) [5],[6]
Total annual Fund operating expenses after fee waiver and/or expense reimbursement rr_NetExpensesOverAssets 0.60%
Expense Example, with Redemption, 1 Year rr_ExpenseExampleYear01 $ 61
Expense Example, with Redemption, 3 Years rr_ExpenseExampleYear03 194
Expense Example, with Redemption, 5 Years rr_ExpenseExampleYear05 363
Expense Example, with Redemption, 10 Years rr_ExpenseExampleYear10 $ 852
1 Year rr_AverageAnnualReturnYear01 (9.78%)
5 Years rr_AverageAnnualReturnYear05 4.65%
10 Years rr_AverageAnnualReturnYear10 10.21% [7]
Inception Date rr_AverageAnnualReturnInceptionDate Sep. 30, 2009
TIAA-CREF Lifecycle 2045 Fund | Retirement Class  
Risk/Return: rr_RiskReturnAbstract  
Maximum sales charge imposed on purchases (percentage of offering price) rr_MaximumSalesChargeImposedOnPurchasesOverOfferingPrice none
Maximum deferred sales charge rr_MaximumDeferredSalesChargeOverOfferingPrice none
Maximum sales charge imposed on reinvested dividends and other distributions rr_MaximumSalesChargeOnReinvestedDividendsAndDistributionsOverOther none
Redemption or exchange fee rr_RedemptionFeeOverRedemption none
Maximum account fee rr_MaximumAccountFeeOverAssets none
Management fees rr_ManagementFeesOverAssets 0.50% [2],[3]
Other expenses rr_OtherExpensesOverAssets 0.28% [2],[3]
Acquired Fund fees and expenses rr_AcquiredFundFeesAndExpensesOverAssets 0.03% [4]
Total annual Fund operating expenses rr_ExpensesOverAssets 0.81%
Waivers and expense reimbursements rr_FeeWaiverOrReimbursementOverAssets (0.11%) [5],[6]
Total annual Fund operating expenses after fee waiver and/or expense reimbursement rr_NetExpensesOverAssets 0.70%
Expense Example, with Redemption, 1 Year rr_ExpenseExampleYear01 $ 72
Expense Example, with Redemption, 3 Years rr_ExpenseExampleYear03 226
Expense Example, with Redemption, 5 Years rr_ExpenseExampleYear05 418
Expense Example, with Redemption, 10 Years rr_ExpenseExampleYear10 $ 971
Annual Return 2009 rr_AnnualReturn2009 28.28%
Annual Return 2010 rr_AnnualReturn2010 15.10%
Annual Return 2011 rr_AnnualReturn2011 (3.88%)
Annual Return 2012 rr_AnnualReturn2012 17.26%
Annual Return 2013 rr_AnnualReturn2013 25.98%
Annual Return 2014 rr_AnnualReturn2014 4.28%
Annual Return 2015 rr_AnnualReturn2015 (0.12%)
Annual Return 2016 rr_AnnualReturn2016 7.77%
Annual Return 2017 rr_AnnualReturn2017 23.41%
Annual Return 2018 rr_AnnualReturn2018 (9.90%)
1 Year rr_AverageAnnualReturnYear01 (9.90%)
5 Years rr_AverageAnnualReturnYear05 4.53%
10 Years rr_AverageAnnualReturnYear10 10.10%
Inception Date rr_AverageAnnualReturnInceptionDate Nov. 30, 2007
TIAA-CREF Lifecycle 2045 Fund | Retirement Class | After Taxes on Distributions  
Risk/Return: rr_RiskReturnAbstract  
1 Year rr_AverageAnnualReturnYear01 (11.05%)
5 Years rr_AverageAnnualReturnYear05 3.29%
10 Years rr_AverageAnnualReturnYear10 9.12%
TIAA-CREF Lifecycle 2045 Fund | Retirement Class | After Taxes on Distributions and Sale of Fund Shares  
Risk/Return: rr_RiskReturnAbstract  
1 Year rr_AverageAnnualReturnYear01 (5.20%)
5 Years rr_AverageAnnualReturnYear05 3.30%
10 Years rr_AverageAnnualReturnYear10 8.11%
[1] As of the close of business on December 31, 2018, the Lifecycle 2045 Fund Composite Index consisted of: 63.3% Russell 3000® Index; 27.1% MSCI All Country World Index ex USA Investable Market Index; and 9.6% Bloomberg Barclays U.S. Aggregate Bond Index. The Fund's composite benchmark, the components that make up a composite benchmark and the method of calculating a composite benchmark's performance may vary over time.
[2] Portions of the Management fees and Other expenses are based on expenses originally incurred by Class W shares of the Underlying Funds (as defined below) of the Trust, which have been incurred directly by the Fund pursuant to certain contractual arrangements intended to reallocate directly to the Fund certain fees and expenses that had been paid by the Underlying Funds of the Trust. For additional information, please see the "Management of the Funds" section of this Prospectus.
[3] Restated to reflect estimates for the current fiscal year.
[4] "Acquired Fund fees and expenses" are the Fund's proportionate amount of the expenses of any investment companies or pools in which it invests (excluding expenses originally incurred by Class W of the Underlying Funds of the Trust that have been incurred directly by the Fund, which are instead reflected in Management fees and Other expenses). These expenses are not paid directly by Fund shareholders. Instead, Fund shareholders bear these expenses indirectly because they reduce Fund performance. Because "Acquired Fund fees and expenses" are included in the chart above, the Fund's operating expenses here will not correlate with the expenses included in the Financial highlights in this Prospectus and the Fund's annual report.
[5] Advisors has contractually agreed to waive 0.10% of the Fund's Management fee. This waiver will remain in effect through September 30, 2022, unless changed with the approval of the Board of Trustees.
[6] Under the Fund's expense reimbursement arrangements, the Fund's investment adviser, Teachers Advisors, LLC ("Advisors"), has contractually agreed to reimburse the Fund for any Total annual Fund operating expenses (excluding interest, taxes, brokerage commissions or other transactional expenses, Acquired Fund fees and expenses, extraordinary expenses and any expenses originally attributable to Class W shares of the Underlying Funds of the Trust that were incurred directly by the Fund) that exceed: (i) 0.00% of average daily net assets for Institutional Class shares; (ii) 0.15% of average daily net assets for Advisor Class shares; (iii) 0.15% of average daily net assets for Premier Class shares; and (iv) 0.25% of average daily net assets for Retirement Class shares of the Fund. These expense reimbursement arrangements will continue through at least September 30, 2020, unless changed with approval of the Board of Trustees.
[7] The performance shown for the Advisor and Premier classes that is prior to their inception dates is based on performance of the Fund's Retirement Class. The performance for these periods has not been restated to reflect the lower expenses of the Advisor and Premier classes.
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TIAA-CREF Lifecycle Index 2055 Fund
TIAA-CREF Lifecycle Index 2055 Fund
Investment objective

The Lifecycle Index 2055 Fund seeks high total return over time through a combination of capital appreciation and income.

Fees and expenses

This table describes the fees and expenses that you may pay if you buy and hold shares of the Fund. In addition to the fees and expenses described below, investors may be required to pay a commission to a broker-dealer or other financial intermediary on purchases and sales of Institutional Class or Advisor Class shares of the Fund.

SHAREHOLDER FEES (fees paid directly from your investment)
Shareholder Fees - TIAA-CREF Lifecycle Index 2055 Fund
Institutional Class
Advisor Class
Premier Class
Retirement Class
Maximum sales charge imposed on purchases (percentage of offering price) none none none none
Maximum deferred sales charge none none none none
Maximum sales charge imposed on reinvested dividends and other distributions none none none none
Redemption or exchange fee none none none none
Maximum account fee none none none none
ANNUAL FUND OPERATING EXPENSES (expenses that you pay each year as a percentage of the value of your investment)
Annual Fund Operating Expenses - TIAA-CREF Lifecycle Index 2055 Fund
Institutional Class
Advisor Class
Premier Class
Retirement Class
Management fees [1],[2] 0.15% 0.15% 0.15% 0.15%
Distribution (Rule 12b-1) fees     0.15%  
Other expenses [1],[2] 0.07% 0.15% 0.06% 0.31%
Total annual Fund operating expenses 0.22% 0.30% 0.36% 0.46%
Waivers and expense reimbursements [3],[4] (0.12%) (0.12%) (0.11%) (0.11%)
Total annual Fund operating expenses after fee waiver and/or expense reimbursement 0.10% 0.18% 0.25% 0.35%
[1] Portions of the Management fees and Other expenses are based on expenses originally incurred by Class W shares of the Underlying Funds (as defined below) of the Trust, which have been incurred directly by the Fund pursuant to certain contractual arrangements intended to reallocate directly to the Fund certain fees and expenses that had been paid by the Underlying Funds of the Trust. For additional information, please see the "Management of the Funds" section of this Prospectus.
[2] Restated to reflect estimates for the current fiscal year.
[3] Advisors has contractually agreed to waive 0.06% of the Fund's Management fee. This waiver will remain in effect through September 30, 2020, unless changed with the approval of the Board of Trustees.
[4] Under the Fund's expense reimbursement arrangements, the Fund's investment adviser, Teachers Advisors, LLC ("Advisors"), has contractually agreed to reimburse the Fund for any Total annual Fund operating expenses (excluding interest, taxes, brokerage commissions or other transactional expenses, Acquired Fund fees and expenses, extraordinary expenses and any expenses originally attributable to Class W shares of the Underlying Funds of the Trust that were incurred directly by the Fund) that exceed: (i) 0.04% of average daily net assets for Institutional Class shares; (ii) 0.19% of average daily net assets for Advisor Class shares; (iii) 0.19% of average daily net assets for Premier Class shares; and (iv) 0.29% of average daily net assets for Retirement Class shares of the Fund. These expense reimbursement arrangements will continue through at least September 30, 2020, unless changed with approval of the Board of Trustees.
Example

This example is intended to help you compare the cost of investing in shares of the Fund with the cost of investing in other mutual funds. The example assumes that you invest $10,000 in the Fund for the time periods indicated and then redeem all your shares at the end of those periods. The example also assumes that your investment has a 5% return each year and that the Fund’s operating expenses, before fee waivers and/or expense reimbursements, remain the same. The example assumes that the Fund’s fee waiver and/or expense reimbursement arrangements will each remain in place for the durations noted in the table above. Although your actual costs may be higher or lower, based on these assumptions your costs would be:

Expense Example - TIAA-CREF Lifecycle Index 2055 Fund - USD ($)
Institutional Class
Advisor Class
Premier Class
Retirement Class
1 year $ 10 $ 18 $ 26 $ 36
3 years 59 84 105 137
5 years 112 157 191 247
10 years $ 268 $ 369 $ 445 $ 569
Portfolio turnover

The Fund pays transaction costs, such as commissions, when it buys and sells securities (or “turns over” its portfolio). A higher portfolio turnover rate may indicate higher transaction costs and may result in higher taxes when Fund shares are held in a taxable account. These costs, which are not reflected in annual fund operating expenses or in the example, affect the Fund’s performance. During the fiscal year ended May 31, 2019, the Fund’s portfolio turnover rate was 4% of the average value of its portfolio.

Principal investment strategies

The Fund is a “fund of funds” that invests in Class W shares of other funds of the Trust and potentially in other investment pools or investment products, including other funds advised by the Fund’s investment adviser, Teachers Advisors, LLC (“Advisors”), or its affiliates (collectively, the “Underlying Funds”). In general, the Fund is designed for investors who have an approximate target retirement year in mind, and the Fund’s investments are adjusted from more aggressive to more conservative over time as the Fund’s target retirement year approaches and for approximately 30 years afterwards. The Fund invests in Underlying Funds according to an asset allocation strategy designed for investors retiring in, or planning to retire within a few years of, 2055 and who may begin taking systematic withdrawals upon retirement. The Fund has a policy of investing at least 80% of its assets (net assets, plus the amount of any borrowings for investment purposes) in Underlying Funds that are managed to seek investment returns that track particular market indices.


Advisors currently expects to allocate approximately 92.50% of the Fund’s assets to equity Underlying Funds and 7.50% of its assets to fixed-income Underlying Funds. These allocations represent targets for equity and fixed-income asset classes. Target allocations will change over time and actual allocations may vary up to ten percentage points from the targets. The target allocations along the investment glidepath, illustrated in the chart below, gradually become more conservative, moving to target allocations of approximately 50.00% equity/50.00% fixed-income in the Fund’s target retirement year of 2055 and reaching the Fund’s final target allocation of approximately 20.00% equity/80.00% fixed-income in 2085. Within the equity and fixed-income asset classes, Advisors allocates the Fund’s investments to particular market sectors (U.S. equity, international equity, fixed-income, short-term fixed-income and inflation-protected assets) represented by various Underlying Funds. These market sector allocations may vary by up to 10% from the Fund’s target market sector allocations. The Fund’s current target market sector allocations for June 30, 2020, which will change over time, are approximately as follows: U.S. Equity: 64.75%; International Equity: 27.75%; Fixed-Income: 7.50%; Short-Term Fixed-Income: 0.00%; and Inflation-Protected Assets: 0.00%. The asset class and market sector names used herein are intended to reflect the primary type of investment of the Underlying Funds within each of these categories.


The Fund’s target market sector allocations to Underlying Funds may include the TIAA-CREF Equity Index Fund (U.S. Equity); Emerging Market Equity Index Fund and International Equity Index Fund (International Equity); Bond Index Fund (Fixed-Income); Short-Term Bond Index Fund (Short-Term Fixed-Income); and Inflation-Linked Bond Fund (Inflation-Protected Assets).


Additional or replacement Underlying Funds for each market sector, as well as additional or replacement market sectors, may be included when making future allocations if Advisors believes that such Underlying Funds and/or market sectors are appropriate in light of the Fund’s desired levels of risk and potential return at the particular time. The Fund’s portfolio management team may also add a new market sector if it believes that will help to achieve the Fund’s investment objective. The relative allocations among Underlying Funds within a market sector may be changed at any time without notice to shareholders. If 10% or more of the Fund’s assets are expected to be invested in any Underlying Fund or market sector not listed above, shareholders will receive prior notice of such change.


The Fund’s asset class allocations, market sector allocations within each asset class, and Underlying Fund allocations within each market sector, as of June 30, 2019, are listed in the chart below. These allocations will change over time. Underlying Fund allocations in particular may change from year to year.


        

Asset Class

Allocation

  

Market Sector

Allocation

 

Underlying Funds

Allocation

Equity

92.91%

 

U.S. Equity

65.16%

 

Ÿ Equity Index Fund

65.16%

   

International Equity

27.75%

 

Ÿ International Equity Index Fund

19.90%

      

Ÿ Emerging Markets Equity Index Fund

7.85%

Fixed-Income

7.09%

 

Fixed-Income

7.09%

 

Ÿ Bond Index Fund

7.09%


        

Total

100.00%

  

100.00%

  

100.00%


The following chart shows how the investment glidepath for the Fund is expected to gradually move the Fund’s target allocations over time between the different target market sector allocations. The actual market sector allocations of the Fund may differ from this chart. The Fund seeks to achieve its final target market sector allocations approximately 30 years following the target date.


Lifecycle Index Funds Glidepath as of June 30, 2020
Years to Target Retirement Date US Equities International Equities Fixed Income Short Term Fixed Income Inflation Protected Bonds
45 66.50% 28.50% 5.00% 0.00% 0.00%
40 65.62% 28.13% 6.25% 0.00% 0.00%
35 64.75% 27.75% 7.50% 0.00% 0.00%
30 63.87% 27.38% 8.75% 0.00% 0.00%
25 63.00% 27.00% 10.00% 0.00% 0.00%
20 57.40% 24.60% 18.00% 0.00% 0.00%
15 51.80% 22.20% 26.00% 0.00% 0.00%
10 46.20% 19.80% 30.00% 2.00% 2.00%
5 40.60% 17.40% 34.00% 4.00% 4.00%
0 35.00% 15.00% 38.00% 6.00% 6.00%
-5 31.50% 13.50% 39.00% 8.00% 8.00%
-10 28.00% 12.00% 40.00% 10.00% 10.00%
-15 24.50% 10.50% 40.00% 15.00% 10.00%
-20 21.00% 9.00% 40.00% 20.00% 10.00%
-25 17.50% 7.50% 40.00% 25.00% 10.00%
-30 14.00% 6.00% 40.00% 30.00% 10.00%

The Fund is designed to accommodate investors who invest in a fund up to their target retirement date, and plan to make gradual systematic withdrawals in retirement. In addition, investors should note that the Fund will continue to have a significant level of equity exposure up to, through and after its target retirement date, and this exposure could cause significant fluctuations in the value of the Fund depending on the performance of the equity markets generally.


After the Fund reaches its final target allocation, the Board of Trustees may authorize the merger of the Fund into another Lifecycle Index Fund which has also reached its final target allocation or other similar fund designed to maintain a relatively stable asset allocation reflecting the resting point on the glidepath described in the chart above. Fund shareholders will receive prior notice of any such merger.

Principal investment risks

You could lose money over short or long periods by investing in this Fund. An investment in the Fund, due to the nature of the Fund’s portfolio holdings, typically is subject to the following principal investment risks:


· Asset Allocation Risk—The risk that the Fund may not achieve its target allocations. In addition, there is the risk that the asset allocations may not achieve the desired risk-return characteristic or that the selection of Underlying Funds and the allocations among them will result in the Fund underperforming other similar funds or cause an investor to lose money.


· Index Risk—The risk that the Fund’s performance may not correspond to its benchmark index for any period of time and may underperform such index or the overall financial market. Additionally, to the extent that the Fund’s investments vary from the composition of its benchmark index, the Fund’s performance could potentially vary from the index’s performance to a greater extent than if the Fund merely attempted to replicate the index.


· Underlying Funds Risks—The Fund is exposed to the risks of the Underlying Funds in which it invests in direct proportion to the amount of assets the Fund allocates to each Underlying Fund.


· Equity Underlying Funds Risks—The risks of investing in equity Underlying Funds include risks specific to their investment strategies, as well as risks related to the equity markets in general, such as:


· market risk—The risk that the price of equity investments may decline in response to general market and economic conditions or events, including conditions and developments outside of the financial markets;


· issuer risk—The risk that an issuer’s earnings prospects and overall financial position will deteriorate, causing a decline in the value of the issuer’s financial instruments over short or extended periods of time; and


· foreign investment risk—The increased risks of adverse issuer, political, regulatory, currency, market or economic developments compared to investments in U.S. issuers, which can result in greater market and price volatility.


· Fixed-Income Underlying Funds Risks—The risks of investing in fixed-income Underlying Funds include risks specific to their investment strategies, as well as risks related to the fixed-income markets in general, such as:


· interest rate risk—The risk that the value or yield of fixed-income investments may decline if interest rates change, which could adversely affect a Fund’s income or the value of its holdings;


· extension risk—The risk that during periods of rising interest rates, borrowers may pay off their mortgage loans later than expected, preventing a Fund from reinvesting principal proceeds at higher interest rates and resulting in less income than potentially available;


· issuer risk—The risk that an issuer’s earnings prospects and overall financial position will deteriorate, causing a decline in the value of the issuer’s financial instruments over short or extended periods of time;


· credit risk—The risk that a decline in an issuer’s financial position may prevent it from making principal and interest payments on fixed-income investments held by a Fund when due;


· credit spread risk—The risk that credit spreads (i.e., the difference in yield between securities that is due to differences in each security’s respective credit quality) may increase when market participants believe that bonds generally have a greater risk of default, which could result in a decline in the market values of a Fund’s debt securities;


· income volatility risk—The risk that the level of current income from a Fund’s portfolio of fixed-income securities may decline due to rapid and unpredictable changes in prevailing market interest rates; and


· call risk—The risk that, during periods of falling interest rates, an issuer may call (or repay) a fixed-income security prior to maturity, resulting in a decline in a Fund’s income.


· Active Management Risk—The risk that the strategy, investment selection or trading execution of Advisors could cause the Fund or an Underlying Fund to underperform its benchmark index or mutual funds with similar investment objectives.


· Fund of Funds Risk—The ability of the Fund to achieve its investment objective will depend in part upon the ability of the Underlying Funds to achieve their investment objectives. There can be no guarantee that any Underlying Fund will achieve its investment objective.


There can be no assurances that the Fund will achieve its investment objective. You should not consider the Fund to be a complete investment program. Please see the non-summary portion of the Prospectus for more detailed information about the risks described above, including the risks of the Underlying Funds.

Past performance

The following chart and table help illustrate some of the risks of investing in the Fund by showing changes in the Fund’s performance from year to year. The bar chart shows the annual total returns of the Retirement Class of the Fund, before taxes, in each full calendar year since inception of the Retirement Class. Because the expenses vary across share classes, the performance of the Retirement Class may vary from the other share classes. Below the bar chart are the best and worst returns of the Retirement Class for a calendar quarter during the full calendar-year periods covered by the bar chart. The performance table following the bar chart shows the Fund’s average annual total returns for the Retirement, Institutional, Advisor and Premier classes over the applicable one-year, five-year, ten-year and since-inception periods ended December 31, 2018, and how those returns compare to those of a broad-based securities market index and a composite index based on the Fund’s target allocations. After-tax performance is shown only for the Retirement Class shares, and after-tax returns for the other classes of shares will vary from the after-tax returns presented for Retirement Class shares.


The returns shown below reflect previous agreements by Advisors to waive or reimburse the Fund and certain Underlying Funds for certain fees and expenses. Without these waivers and reimbursements, the returns of the Fund would have been lower. Past performance of the Fund (before and after taxes) is not necessarily an indication of how it will perform in the future. The indices listed below are unmanaged, and you cannot invest directly in an index. The returns for the indices reflect no deduction for fees, expenses or taxes.


For current performance information of each share class, including performance to the most recent month-end, please visit www.tiaa.org.

ANNUAL TOTAL RETURNS FOR THE RETIREMENT CLASS SHARES (%)† Lifecycle Index 2055 Fund
Bar Chart

 The year-to-date return as of the most recent calendar quarter, which ended on June 30, 2019, was 15.96%.

Best quarter: 11.36%, for the quarter ended March 31, 2012. Worst quarter: -12.23%, for the quarter ended December 31, 2018.

AVERAGE ANNUAL TOTAL RETURNS For the Periods Ended December 31, 2018
Average Annual Returns - TIAA-CREF Lifecycle Index 2055 Fund
1 Year
5 Years
Since Inception
Inception Date
Retirement Class (7.32%) 5.39% 7.10% Apr. 29, 2011
Institutional Class (7.14%) 5.64% 7.36% Apr. 29, 2011
Advisor Class (7.11%) 5.53% [1] 7.19% [1] Dec. 04, 2015
Premier Class (7.21%) 5.50% 7.21% Apr. 29, 2011
After Taxes on Distributions | Retirement Class (7.86%) 4.81% 6.55%  
After Taxes on Distributions and Sale of Fund Shares | Retirement Class (4.00%) 4.12% 5.58%  
S&P Target Date 2055 Index (7.97%) 5.07% 6.82% [2]  
Lifecycle Index 2055 Fund Composite Index (reflects no deductions for fees, expenses or taxes) [3] (7.24%) 5.71% 7.45% [2]  
[1] The performance shown for the Advisor Class that is prior to its inception date is based on performance of the Fund's Retirement Class. The performance for these periods has not been restated to reflect the lower expenses of the Advisor Class.
[2] Performance is calculated from the inception date of the Retirement Class.
[3] As of the close of business on December 31, 2018, the Lifecycle Index 2055 Fund Composite Index consisted of: 65.0% Russell 3000® Index; 27.9% MSCI EAFE + Emerging Markets Index; and 7.1% Bloomberg Barclays U.S. Aggregate Bond Index. The Fund's composite benchmark, the components that make up a composite benchmark and the method of calculating a composite benchmark's performance may vary over time.

Current performance of the Fund’s shares may be higher or lower than that shown above.


After-tax returns are calculated using the historical highest individual federal marginal income tax rates in effect during the periods shown and do not reflect the impact of state and local taxes. Actual after-tax returns depend on the investor’s tax situation and may differ from those shown. The after-tax returns shown are not relevant to investors who hold their Fund shares through tax-deferred arrangements such as 401(a), 401(k) or 403(b) plans or Individual Retirement Accounts (IRAs). After-tax returns are shown for only one class, and after-tax returns for other classes will vary.

XML 79 R22.htm IDEA: XBRL DOCUMENT v3.19.3
Label Element Value
TIAA-CREF Lifecycle 2015 Fund  
Risk/Return: rr_RiskReturnAbstract  
Risk/Return [Heading] rr_RiskReturnHeading TIAA-CREF Lifecycle 2015 Fund
Objective [Heading] rr_ObjectiveHeading Investment objective
Objective, Primary [Text Block] rr_ObjectivePrimaryTextBlock

The Lifecycle 2015 Fund seeks high total return over time through a combination of capital appreciation and income.

Expense [Heading] rr_ExpenseHeading Fees and expenses
Expense Narrative [Text Block] rr_ExpenseNarrativeTextBlock

This table describes the fees and expenses that you may pay if you buy and hold shares of the Fund. In addition to the fees and expenses described below, investors may be required to pay a commission to a broker-dealer or other financial intermediary on purchases and sales of Institutional Class or Advisor Class shares of the Fund.

Shareholder Fees Caption [Text] rr_ShareholderFeesCaption SHAREHOLDER FEES (fees paid directly from your investment)
Operating Expenses Caption [Text] rr_OperatingExpensesCaption ANNUAL FUND OPERATING EXPENSES (expenses that you pay each year as a percentage of the value of your investment)
Fee Waiver or Reimbursement over Assets, Date of Termination rr_FeeWaiverOrReimbursementOverAssetsDateOfTermination Sep. 30, 2020
Portfolio Turnover [Heading] rr_PortfolioTurnoverHeading Portfolio turnover
Portfolio Turnover [Text Block] rr_PortfolioTurnoverTextBlock

The Fund pays transaction costs, such as commissions, when it buys and sells securities (or “turns over” its portfolio). A higher portfolio turnover rate may indicate higher transaction costs and may result in higher taxes when Fund shares are held in a taxable account. These costs, which are not reflected in annual fund operating expenses or in the example, affect the Fund’s performance. During the fiscal year ended May 31, 2019, the Fund’s portfolio turnover rate was 21% of the average value of its portfolio.

Portfolio Turnover, Rate rr_PortfolioTurnoverRate 21.00%
Expenses Restated to Reflect Current [Text] rr_ExpensesRestatedToReflectCurrent Restated to reflect estimates for the current fiscal year.
Expenses Not Correlated to Ratio Due to Acquired Fund Fees [Text] rr_ExpensesNotCorrelatedToRatioDueToAcquiredFundFees “Acquired Fund fees and expenses” are the Fund’s proportionate amount of the expenses of any investment companies or pools in which it invests (excluding expenses originally incurred by Class W of the Underlying Funds of the Trust that have been incurred directly by the Fund, which are instead reflected in Management fees and Other expenses). These expenses are not paid directly by Fund shareholders. Instead, Fund shareholders bear these expenses indirectly because they reduce Fund performance. Because “Acquired Fund fees and expenses” are included in the chart above, the Fund’s operating expenses here will not correlate with the expenses included in the Financial highlights in this Prospectus and the Fund’s annual report.
Expense Example [Heading] rr_ExpenseExampleHeading Example
Expense Example Narrative [Text Block] rr_ExpenseExampleNarrativeTextBlock

This example is intended to help you compare the cost of investing in shares of the Fund with the cost of investing in other mutual funds. The example assumes that you invest $10,000 in the Fund for the time periods indicated and then redeem all your shares at the end of those periods. The example also assumes that your investment has a 5% return each year and that the Fund’s operating expenses, before fee waivers and/or expense reimbursements, remain the same. The example assumes that the Fund’s fee waiver and/or expense reimbursement arrangements will each remain in place for the durations noted in the table above. Although your actual costs may be higher or lower, based on these assumptions your costs would be:

Strategy [Heading] rr_StrategyHeading Principal investment strategies
Strategy Narrative [Text Block] rr_StrategyNarrativeTextBlock

The Fund is a “fund of funds” that invests in Class W shares of other funds of the Trust and in other investment pools or investment products, potentially including other funds advised by the Fund’s investment adviser, Teachers Advisors, LLC (“Advisors”), or its affiliates (collectively, the “Underlying Funds”). In general, the Fund is designed for investors who have an approximate target retirement year in mind, and the Fund’s investments are adjusted from more aggressive to more conservative over time as the Fund’s target retirement year approaches and for approximately 30 years afterwards. The Fund invests in Underlying Funds according to an asset allocation strategy designed for investors who retired in, or planned to retire within a few years of, 2015 and may have begun taking systematic withdrawals upon retirement.


Advisors currently expects to allocate approximately 40.00% of the Fund’s assets to equity Underlying Funds, 55.00% of its assets to fixed-income Underlying Funds and 5.00% of its assets to direct real estate Underlying Funds. These allocations represent targets for equity, fixed-income and direct real estate asset classes. Target allocations will change over time and actual allocations may vary up to ten percentage points from the targets. The target allocations along the investment glidepath, illustrated in the chart below, gradually become more conservative. The Fund had target allocations of approximately 50.00% equity/50.00% fixed-income in the Fund’s target retirement year of 2015 (the direct real estate asset class was added in 2017) and will reach the Fund’s final target allocation of approximately 20.00% equity/80.00% fixed-income/0.00% direct real estate in 2045. Within the equity, fixed-income and direct real estate asset classes, Advisors allocates the Fund’s investments to particular market sectors (U.S. equity, international equity, fixed-income, short-term fixed-income, inflation-protected assets and direct real estate) represented by various Underlying Funds. These market sector allocations may vary by up to 10% from the Fund’s target market sector allocations. The Fund’s current target market sector allocations for June 30, 2020, which will change over time, are approximately as follows: U.S. Equity: 28.00%; International Equity: 12.00%; Fixed-Income: 39.00%; Short-Term Fixed-Income: 8.00%; Inflation-Protected Assets: 8.00%; and Direct Real Estate: 5.00%. The asset class and market sector names used herein are intended to reflect the primary type of investment of the Underlying Funds within each of these categories.


The Fund’s target market sector allocations to Underlying Funds may include the TIAA-CREF Growth & Income Fund, Large-Cap Growth Fund, Large-Cap Value Fund, Quant Large-Cap Growth Fund, Quant Large-Cap Value Fund, Quant Small-Cap Equity Fund and Quant Small/Mid-Cap Equity Fund (U.S. Equity); Emerging Markets Equity Fund, International Equity Fund, International Opportunities Fund, Quant International Equity Fund and Quant International Small-Cap Equity Fund (International Equity); Bond Fund, Bond Plus Fund, Emerging Markets Debt Fund, High-Yield Fund and International Bond Fund (Fixed-Income); Money Market Fund and Short-Term Bond Fund (Short-Term Fixed-Income); Inflation-Linked Bond Fund (Inflation-Protected Assets); and Real Property Fund LP (Direct Real Estate). TIAA-CREF Real Property Fund LP is a private fund, which is not available for investment by the general public; it is currently offered exclusively to investment pools or investment products managed by Advisors or its affiliates.


Additional or replacement Underlying Funds for each market sector, as well as additional or replacement market sectors, may be included when making future allocations if Advisors believes that such Underlying Funds and/or market sectors are appropriate in light of the Fund’s desired levels of risk and potential return at the particular time. The Fund’s portfolio management team may also add a new market sector if it believes that will help to achieve the Fund’s investment objective. The relative allocations among Underlying Funds within a market sector may be changed at any time without notice to shareholders, and the portfolio management team may use tactical allocation to take advantage of short to intermediate term opportunities through a combination of positions in Underlying Funds. If 10% or more of the Fund’s assets are expected to be invested in any Underlying Fund or market sector not listed above, shareholders will receive prior notice of such change.


The Fund’s asset class allocations, market sector allocations within each asset class, and Underlying Fund allocations within each market sector, as of June 30, 2019, are listed in the chart below. These allocations will change over time. Underlying Fund allocations in particular may change from year to year.


        

Asset Class

Allocation

  

Market Sector

Allocation

 

Underlying Funds

Allocation

Equity

42.07%

 

U.S. Equity

29.51%

 

Ÿ Growth & Income Fund

6.18%

      

Ÿ Large-Cap Growth Fund

5.59%

      

Ÿ Large-Cap Value Fund

5.42%

      

Ÿ Quant Large-Cap Growth Fund

4.88%

      

Ÿ Quant Large-Cap Value Fund

4.74%

      

Ÿ Quant Small-Cap Equity Fund

1.51%

      

Ÿ Quant Small/Mid-Cap Equity Fund

1.19%

   

International Equity

12.56%

 

Ÿ Quant International Equity Fund

3.28%

      

Ÿ International Equity Fund

2.73%

      

Ÿ International Opportunities Fund

2.72%

      

Ÿ Emerging Markets Equity Fund

2.15%

      

Ÿ Quant International Small-Cap Equity Fund

1.68%

Fixed-Income

53.25%

 

Fixed-Income

37.34%

 

Ÿ Bond Fund

19.13%

      

Ÿ Bond Plus Fund

12.48%

      

Ÿ Emerging Markets Debt Fund

2.07%

      

Ÿ International Bond Fund

2.00%

      

Ÿ High-Yield Fund

1.66%

   

Short-Term
Fixed-Income

8.45%

 

Ÿ Short-Term Bond Fund

8.45%

   

Inflation-
Protected Assets

7.46%

 

Ÿ Inflation-Linked Bond Fund

7.46%

Real Estate

4.68%

 

Direct Real Estate

4.68%

 

Ÿ TIAA-CREF Real Property Fund LP

4.68%


        

Total

100.00%

  

100.00%

  

100.00%


The following chart shows how the investment glidepath for the Fund is expected to gradually move the Fund’s target allocations over time between the different target market sector allocations. The actual market sector allocations of the Fund may differ from this chart. The Fund seeks to achieve its final target market sector allocations approximately 30 years following the target date.


Lifecycle Funds Glidepath as of June 30, 2020
Years to Target Retirement Date US Equities International Equities Direct Real Estate Fixed Income Short Term Fixed Income Inflation Protected Bonds
45 66.50% 28.50% 5.00% 0.00% 0.00% 0.00%
40 65.62% 28.13% 5.00% 1.25% 0.00% 0.00%
35 64.75% 27.75% 5.00% 2.50% 0.00% 0.00%
30 63.87% 27.38% 5.00% 3.75% 0.00% 0.00%
25 63.00% 27.00% 5.00% 5.00% 0.00% 0.00%
20 56.70% 24.30% 5.00% 14.00% 0.00% 0.00%
15 50.40% 21.60% 5.00% 23.00% 0.00% 0.00%
10 44.10% 18.90% 5.00% 28.00% 2.00% 2.00%
5 37.80% 16.20% 5.00% 33.00% 4.00% 4.00%
0 31.50% 13.50% 5.00% 38.00% 6.00% 6.00%
-5 28.00% 12.00% 5.00% 39.00% 8.00% 8.00%
-10 24.50% 10.50% 5.00% 40.00% 10.00% 10.00%
-15 22.75% 9.75% 2.50% 40.00% 15.00% 10.00%
-20 21.00% 9.00% 0.00% 40.00% 20.00% 10.00%
-25 17.50% 7.50% 0.00% 40.00% 25.00% 10.00%
-30 14.00% 6.00% 0.00% 40.00% 30.00% 10.00%

The Fund is designed to accommodate investors who invest in a fund up to their target retirement date, and plan to make gradual systematic withdrawals in retirement. In addition, investors should note that the Fund will continue to have a significant level of equity exposure up to, through and after its target retirement date, and this exposure could cause significant fluctuations in the value of the Fund depending on the performance of the equity markets generally.


After the Fund reaches its final target allocation, the Board of Trustees may authorize the merger of the Fund into another Lifecycle Fund which has also reached its final target allocation or other similar fund designed to maintain a relatively stable asset allocation reflecting the resting point on the glidepath described in the chart above. Fund shareholders will receive prior notice of any such merger.

Risk [Heading] rr_RiskHeading Principal investment risks
Risk Narrative [Text Block] rr_RiskNarrativeTextBlock

You could lose money over short or long periods by investing in this Fund. An investment in the Fund, due to the nature of the Fund’s portfolio holdings, typically is subject to the following principal investment risks:


· Asset Allocation Risk—The risk that the Fund may not achieve its target allocations. In addition, there is the risk that the asset allocations may not achieve the desired risk-return characteristic or that the selection of Underlying Funds and the allocations among them will result in the Fund underperforming other similar funds or cause an investor to lose money.


· Underlying Funds Risks—The Fund is exposed to the risks of the Underlying Funds in which it invests in direct proportion to the amount of assets the Fund allocates to each Underlying Fund.


· Equity Underlying Funds Risks—The risks of investing in equity Underlying Funds include risks specific to their investment strategies, as well as risks related to the equity markets in general, such as:


· market risk—The risk that the price of equity investments may decline in response to general market and economic conditions or events, including conditions and developments outside of the financial markets;


· issuer risk—The risk that an issuer’s earnings prospects and overall financial position will deteriorate, causing a decline in the value of the issuer’s financial instruments over short or extended periods of time; and


· foreign investment risk—The increased risks of adverse issuer, political, regulatory, currency, market or economic developments compared to investments in U.S. issuers, which can result in greater market and price volatility.


· Fixed-Income Underlying Funds Risks—The risks of investing in fixed-income Underlying Funds include risks specific to their investment strategies, as well as risks related to the fixed-income markets in general, such as:


· interest rate risk—The risk that the value or yield of fixed-income investments may decline if interest rates change, which could adversely affect a Fund’s income or the value of its holdings;


· extension risk—The risk that during periods of rising interest rates, borrowers may pay off their mortgage loans later than expected, preventing a Fund from reinvesting principal proceeds at higher interest rates and resulting in less income than potentially available;


· issuer risk—The risk that an issuer’s earnings prospects and overall financial position will deteriorate, causing a decline in the value of the issuer’s financial instruments over short or extended periods of time;


· credit risk—The risk that a decline in an issuer’s financial position may prevent it from making principal and interest payments on fixed-income investments held by a Fund when due;


· credit spread risk—The risk that credit spreads (i.e., the difference in yield between securities that is due to differences in each security’s respective credit quality) may increase when market participants believe that bonds generally have a greater risk of default, which could result in a decline in the market values of a Fund’s debt securities;


· income volatility risk—The risk that the level of current income from a Fund’s portfolio of fixed-income securities may decline due to rapid and unpredictable changes in prevailing market interest rates; and


· call risk—The risk that, during periods of falling interest rates, an issuer may call (or repay) a fixed-income security prior to maturity, resulting in a decline in a Fund’s income.


· Direct Real Estate Underlying Funds Risks—The risks of investing in direct real estate Underlying Funds include risks specific to their investment strategies, as well as risks related to investing in real estate in general, such as:


· real estate-related investment risk—The risks associated with exposure to direct real estate through investing in investment vehicles managed by Advisors that will primarily invest directly in real estate, which can include declines in real estate values or revenues, uninsured losses at properties, the absence of regulatory oversight of and a secondary market for interests in direct real estate Underlying Funds, a scarcity of interests issued by direct real estate Underlying Funds, making it difficult for the Fund to achieve its target allocation, and illiquidity of interests in direct real estate Underlying Funds.


· Active Management Risk—The risk that the strategy, investment selection or trading execution of Advisors could cause the Fund or an Underlying Fund to underperform its benchmark index or mutual funds with similar investment objectives.


· Fund of Funds Risk—The ability of the Fund to achieve its investment objective will depend in part upon the ability of the Underlying Funds to achieve their investment objectives. There can be no guarantee that any Underlying Fund will achieve its investment objective.


There can be no assurances that the Fund will achieve its investment objective. You should not consider the Fund to be a complete investment program. Please see the non-summary portion of the Prospectus for more detailed information about the risks described above, including the risks of the Underlying Funds.

Risk Lose Money [Text] rr_RiskLoseMoney You could lose money over short or long periods by investing in this Fund.
Bar Chart and Performance Table [Heading] rr_BarChartAndPerformanceTableHeading Past performance
Performance Narrative [Text Block] rr_PerformanceNarrativeTextBlock

The following chart and table help illustrate some of the risks of investing in the Fund by showing changes in the Fund’s performance from year to year. The bar chart shows the annual total returns of the Retirement Class of the Fund, before taxes, in each full calendar year for the last ten years. Because the expenses vary across share classes, the performance of the Retirement Class may vary from the other share classes. Below the bar chart are the best and worst returns of the Retirement Class for a calendar quarter during the full calendar-year periods covered by the bar chart. The performance table following the bar chart shows the Fund’s average annual total returns for the Retirement, Institutional, Advisor and Premier classes over the applicable one-year, five-year, ten-year and since-inception periods ended December 31, 2018, and how those returns compare to those of a broad-based securities market index and a composite index that represents the market sectors in which the Fund invests across the equity and fixed-income asset classes. After-tax performance is shown only for the Retirement Class shares, and after-tax returns for the other classes of shares will vary from the after-tax returns presented for Retirement Class shares.


The returns shown below reflect previous agreements by Advisors to waive or reimburse the Fund and certain Underlying Funds for certain fees and expenses. Without these waivers and reimbursements, the returns of the Fund would have been lower. Past performance of the Fund (before and after taxes) is not necessarily an indication of how it will perform in the future. The indices listed below are unmanaged, and you cannot invest directly in an index. The returns for the indices reflect no deduction for fees, expenses or taxes.


For current performance information of each share class, including performance to the most recent month-end, please visit www.tiaa.org.

Performance Information Illustrates Variability of Returns [Text] rr_PerformanceInformationIllustratesVariabilityOfReturns The following chart and table help illustrate some of the risks of investing in the Fund by showing changes in the Fund’s performance from year to year.
Performance Additional Market Index [Text] rr_PerformanceAdditionalMarketIndex As of the close of business on December 31, 2018, the Lifecycle 2015 Fund Composite Index consisted of: 38.7% Bloomberg Barclays U.S. Aggregate Bond Index; 32.5% Russell 3000® Index; 14.0% MSCI All Country World Index ex USA Investable Market Index; 7.4% Bloomberg Barclays U.S. 1–3 Year Government/Credit Bond Index; and 7.4% Bloomberg Barclays U.S. Treasury Inflation Protected Securities (TIPS) 1-10 Year Index. The Fund’s composite benchmark, the components that make up a composite benchmark and the method of calculating a composite benchmark’s performance may vary over time.
Performance Availability Website Address [Text] rr_PerformanceAvailabilityWebSiteAddress www.tiaa.org
Performance Past Does Not Indicate Future [Text] rr_PerformancePastDoesNotIndicateFuture Past performance of the Fund (before and after taxes) is not necessarily an indication of how it will perform in the future.
Bar Chart [Heading] rr_BarChartHeading ANNUAL TOTAL RETURNS FOR THE RETIREMENT CLASS SHARES (%)† Lifecycle 2015 Fund
Bar Chart Footnotes [Text Block] rr_BarChartFootnotesTextBlock

 The year-to-date return as of the most recent calendar quarter, which ended on June 30, 2019, was 10.78%.

Bar Chart Closing [Text Block] rr_BarChartClosingTextBlock

Best quarter: 12.39%, for the quarter ended June 30, 2009. Worst quarter: -9.52%, for the quarter ended September 30, 2011.

Year to Date Return, Label rr_YearToDateReturnLabel The year-to-date return as of the most recent calendar quarter, which ended on June 30, 2019, was
Bar Chart, Year to Date Return, Date rr_BarChartYearToDateReturnDate Jun. 30, 2019
Bar Chart, Year to Date Return rr_BarChartYearToDateReturn 10.78%
Highest Quarterly Return, Label rr_HighestQuarterlyReturnLabel Best quarter:
Highest Quarterly Return, Date rr_BarChartHighestQuarterlyReturnDate Jun. 30, 2009
Highest Quarterly Return rr_BarChartHighestQuarterlyReturn 12.39%
Lowest Quarterly Return, Label rr_LowestQuarterlyReturnLabel Worst quarter:
Lowest Quarterly Return, Date rr_BarChartLowestQuarterlyReturnDate Sep. 30, 2011
Lowest Quarterly Return rr_BarChartLowestQuarterlyReturn (9.52%)
Index No Deduction for Fees, Expenses, Taxes [Text] rr_IndexNoDeductionForFeesExpensesTaxes (reflects no deductions for fees, expenses or taxes)
Performance Table Uses Highest Federal Rate rr_PerformanceTableUsesHighestFederalRate After-tax returns are calculated using the historical highest individual federal marginal income tax rates in effect during the periods shown and do not reflect the impact of state and local taxes.
Performance Table Not Relevant to Tax Deferred rr_PerformanceTableNotRelevantToTaxDeferred The after-tax returns shown are not relevant to investors who hold their Fund shares through tax-deferred arrangements such as 401(a), 401(k) or 403(b) plans or Individual Retirement Accounts (IRAs).
Performance Table One Class of after Tax Shown [Text] rr_PerformanceTableOneClassOfAfterTaxShown After-tax performance is shown only for the Retirement Class shares, and after-tax returns for the other classes of shares will vary from the after-tax returns presented for Retirement Class shares.
Performance Table Closing [Text Block] rr_PerformanceTableClosingTextBlock

Current performance of the Fund’s shares may be higher or lower than that shown above.



After-tax returns are calculated using the historical highest individual federal marginal income tax rates in effect during the periods shown and do not reflect the impact of state and local taxes. Actual after-tax returns depend on the investor’s tax situation and may differ from those shown. The after-tax returns shown are not relevant to investors who hold their Fund shares through tax-deferred arrangements such as 401(a), 401(k) or 403(b) plans or Individual Retirement Accounts (IRAs). After-tax returns are shown for only one class, and after-tax returns for other classes will vary.

Average Annual Return, Caption rr_AverageAnnualReturnCaption AVERAGE ANNUAL TOTAL RETURNS For the Periods Ended December 31, 2018
TIAA-CREF Lifecycle 2015 Fund | S&P Target Date 2015 Index  
Risk/Return: rr_RiskReturnAbstract  
1 Year rr_AverageAnnualReturnYear01 (3.67%)
5 Years rr_AverageAnnualReturnYear05 3.79%
10 Years rr_AverageAnnualReturnYear10 7.11%
TIAA-CREF Lifecycle 2015 Fund | Lifecycle 2015 Fund Composite Index (reflects no deductions for fees, expenses or taxes)  
Risk/Return: rr_RiskReturnAbstract  
1 Year rr_AverageAnnualReturnYear01 (3.48%) [1]
5 Years rr_AverageAnnualReturnYear05 4.12% [1]
10 Years rr_AverageAnnualReturnYear10 7.74% [1]
TIAA-CREF Lifecycle 2015 Fund | Institutional Class  
Risk/Return: rr_RiskReturnAbstract  
Maximum sales charge imposed on purchases (percentage of offering price) rr_MaximumSalesChargeImposedOnPurchasesOverOfferingPrice none
Maximum deferred sales charge rr_MaximumDeferredSalesChargeOverOfferingPrice none
Maximum sales charge imposed on reinvested dividends and other distributions rr_MaximumSalesChargeOnReinvestedDividendsAndDistributionsOverOther none
Redemption or exchange fee rr_RedemptionFeeOverRedemption none
Maximum account fee rr_MaximumAccountFeeOverAssets none
Management fees rr_ManagementFeesOverAssets 0.43% [2],[3]
Other expenses rr_OtherExpensesOverAssets 0.04% [2],[3]
Acquired Fund fees and expenses rr_AcquiredFundFeesAndExpensesOverAssets 0.03% [4]
Total annual Fund operating expenses rr_ExpensesOverAssets 0.50%
Waivers and expense reimbursements rr_FeeWaiverOrReimbursementOverAssets (0.12%) [5],[6]
Total annual Fund operating expenses after fee waiver and/or expense reimbursement rr_NetExpensesOverAssets 0.38%
Expense Example, with Redemption, 1 Year rr_ExpenseExampleYear01 $ 39
Expense Example, with Redemption, 3 Years rr_ExpenseExampleYear03 126
Expense Example, with Redemption, 5 Years rr_ExpenseExampleYear05 246
Expense Example, with Redemption, 10 Years rr_ExpenseExampleYear10 $ 596
1 Year rr_AverageAnnualReturnYear01 (4.41%)
5 Years rr_AverageAnnualReturnYear05 4.03%
10 Years rr_AverageAnnualReturnYear10 8.08%
Inception Date rr_AverageAnnualReturnInceptionDate Jan. 17, 2007
TIAA-CREF Lifecycle 2015 Fund | Advisor Class  
Risk/Return: rr_RiskReturnAbstract  
Maximum sales charge imposed on purchases (percentage of offering price) rr_MaximumSalesChargeImposedOnPurchasesOverOfferingPrice none
Maximum deferred sales charge rr_MaximumDeferredSalesChargeOverOfferingPrice none
Maximum sales charge imposed on reinvested dividends and other distributions rr_MaximumSalesChargeOnReinvestedDividendsAndDistributionsOverOther none
Redemption or exchange fee rr_RedemptionFeeOverRedemption none
Maximum account fee rr_MaximumAccountFeeOverAssets none
Management fees rr_ManagementFeesOverAssets 0.43% [2],[3]
Other expenses rr_OtherExpensesOverAssets 0.12% [2],[3]
Acquired Fund fees and expenses rr_AcquiredFundFeesAndExpensesOverAssets 0.03% [4]
Total annual Fund operating expenses rr_ExpensesOverAssets 0.58%
Waivers and expense reimbursements rr_FeeWaiverOrReimbursementOverAssets (0.12%) [5],[6]
Total annual Fund operating expenses after fee waiver and/or expense reimbursement rr_NetExpensesOverAssets 0.46%
Expense Example, with Redemption, 1 Year rr_ExpenseExampleYear01 $ 47
Expense Example, with Redemption, 3 Years rr_ExpenseExampleYear03 152
Expense Example, with Redemption, 5 Years rr_ExpenseExampleYear05 290
Expense Example, with Redemption, 10 Years rr_ExpenseExampleYear10 $ 694
1 Year rr_AverageAnnualReturnYear01 (4.42%)
5 Years rr_AverageAnnualReturnYear05 3.91% [7]
10 Years rr_AverageAnnualReturnYear10 7.88% [7]
Inception Date rr_AverageAnnualReturnInceptionDate Dec. 04, 2015
TIAA-CREF Lifecycle 2015 Fund | Premier Class  
Risk/Return: rr_RiskReturnAbstract  
Maximum sales charge imposed on purchases (percentage of offering price) rr_MaximumSalesChargeImposedOnPurchasesOverOfferingPrice none
Maximum deferred sales charge rr_MaximumDeferredSalesChargeOverOfferingPrice none
Maximum sales charge imposed on reinvested dividends and other distributions rr_MaximumSalesChargeOnReinvestedDividendsAndDistributionsOverOther none
Redemption or exchange fee rr_RedemptionFeeOverRedemption none
Maximum account fee rr_MaximumAccountFeeOverAssets none
Management fees rr_ManagementFeesOverAssets 0.43% [2],[3]
Distribution (Rule 12b-1) fees rr_DistributionAndService12b1FeesOverAssets 0.15%
Other expenses rr_OtherExpensesOverAssets 0.04% [2],[3]
Acquired Fund fees and expenses rr_AcquiredFundFeesAndExpensesOverAssets 0.03% [4]
Total annual Fund operating expenses rr_ExpensesOverAssets 0.65%
Waivers and expense reimbursements rr_FeeWaiverOrReimbursementOverAssets (0.12%) [5],[6]
Total annual Fund operating expenses after fee waiver and/or expense reimbursement rr_NetExpensesOverAssets 0.53%
Expense Example, with Redemption, 1 Year rr_ExpenseExampleYear01 $ 54
Expense Example, with Redemption, 3 Years rr_ExpenseExampleYear03 174
Expense Example, with Redemption, 5 Years rr_ExpenseExampleYear05 329
Expense Example, with Redemption, 10 Years rr_ExpenseExampleYear10 $ 779
1 Year rr_AverageAnnualReturnYear01 (4.60%)
5 Years rr_AverageAnnualReturnYear05 3.87%
10 Years rr_AverageAnnualReturnYear10 7.90% [7]
Inception Date rr_AverageAnnualReturnInceptionDate Sep. 30, 2009
TIAA-CREF Lifecycle 2015 Fund | Retirement Class  
Risk/Return: rr_RiskReturnAbstract  
Maximum sales charge imposed on purchases (percentage of offering price) rr_MaximumSalesChargeImposedOnPurchasesOverOfferingPrice none
Maximum deferred sales charge rr_MaximumDeferredSalesChargeOverOfferingPrice none
Maximum sales charge imposed on reinvested dividends and other distributions rr_MaximumSalesChargeOnReinvestedDividendsAndDistributionsOverOther none
Redemption or exchange fee rr_RedemptionFeeOverRedemption none
Maximum account fee rr_MaximumAccountFeeOverAssets none
Management fees rr_ManagementFeesOverAssets 0.43% [2],[3]
Other expenses rr_OtherExpensesOverAssets 0.29% [2],[3]
Acquired Fund fees and expenses rr_AcquiredFundFeesAndExpensesOverAssets 0.03% [4]
Total annual Fund operating expenses rr_ExpensesOverAssets 0.75%
Waivers and expense reimbursements rr_FeeWaiverOrReimbursementOverAssets (0.12%) [5],[6]
Total annual Fund operating expenses after fee waiver and/or expense reimbursement rr_NetExpensesOverAssets 0.63%
Expense Example, with Redemption, 1 Year rr_ExpenseExampleYear01 $ 64
Expense Example, with Redemption, 3 Years rr_ExpenseExampleYear03 206
Expense Example, with Redemption, 5 Years rr_ExpenseExampleYear05 384
Expense Example, with Redemption, 10 Years rr_ExpenseExampleYear10 $ 899
Annual Return 2009 rr_AnnualReturn2009 21.32%
Annual Return 2010 rr_AnnualReturn2010 12.36%
Annual Return 2011 rr_AnnualReturn2011 0.46%
Annual Return 2012 rr_AnnualReturn2012 13.31%
Annual Return 2013 rr_AnnualReturn2013 13.66%
Annual Return 2014 rr_AnnualReturn2014 4.45%
Annual Return 2015 rr_AnnualReturn2015 0.18%
Annual Return 2016 rr_AnnualReturn2016 6.11%
Annual Return 2017 rr_AnnualReturn2017 13.65%
Annual Return 2018 rr_AnnualReturn2018 (4.74%)
1 Year rr_AverageAnnualReturnYear01 (4.74%)
5 Years rr_AverageAnnualReturnYear05 3.75%
10 Years rr_AverageAnnualReturnYear10 7.80%
Inception Date rr_AverageAnnualReturnInceptionDate Oct. 15, 2004
TIAA-CREF Lifecycle 2015 Fund | Retirement Class | After Taxes on Distributions  
Risk/Return: rr_RiskReturnAbstract  
1 Year rr_AverageAnnualReturnYear01 (6.36%)
5 Years rr_AverageAnnualReturnYear05 2.05%
10 Years rr_AverageAnnualReturnYear10 6.39%
TIAA-CREF Lifecycle 2015 Fund | Retirement Class | After Taxes on Distributions and Sale of Fund Shares  
Risk/Return: rr_RiskReturnAbstract  
1 Year rr_AverageAnnualReturnYear01 (2.07%)
5 Years rr_AverageAnnualReturnYear05 2.54%
10 Years rr_AverageAnnualReturnYear10 5.99%
[1] As of the close of business on December 31, 2018, the Lifecycle 2015 Fund Composite Index consisted of: 38.7% Bloomberg Barclays U.S. Aggregate Bond Index; 32.5% Russell 3000® Index; 14.0% MSCI All Country World Index ex USA Investable Market Index; 7.4% Bloomberg Barclays U.S. 1-3 Year Government/Credit Bond Index; and 7.4% Bloomberg Barclays U.S. Treasury Inflation Protected Securities (TIPS) 1-10 Year Index. The Fund's composite benchmark, the components that make up a composite benchmark and the method of calculating a composite benchmark's performance may vary over time.
[2] Portions of the Management fees and Other expenses are based on expenses originally incurred by Class W shares of the Underlying Funds (as defined below) of the Trust, which have been incurred directly by the Fund pursuant to certain contractual arrangements intended to reallocate directly to the Fund certain fees and expenses that had been paid by the Underlying Funds of the Trust. For additional information, please see the "Management of the Funds" section of this Prospectus.
[3] Restated to reflect estimates for the current fiscal year.
[4] "Acquired Fund fees and expenses" are the Fund's proportionate amount of the expenses of any investment companies or pools in which it invests (excluding expenses originally incurred by Class W of the Underlying Funds of the Trust that have been incurred directly by the Fund, which are instead reflected in Management fees and Other expenses). These expenses are not paid directly by Fund shareholders. Instead, Fund shareholders bear these expenses indirectly because they reduce Fund performance. Because "Acquired Fund fees and expenses" are included in the chart above, the Fund's operating expenses here will not correlate with the expenses included in the Financial highlights in this Prospectus and the Fund's annual report.
[5] Advisors has contractually agreed to waive 0.10% of the Fund's Management fee. This waiver will remain in effect through September 30, 2022, unless changed with the approval of the Board of Trustees.
[6] Under the Fund's expense reimbursement arrangements, the Fund's investment adviser, Teachers Advisors, LLC ("Advisors"), has contractually agreed to reimburse the Fund for any Total annual Fund operating expenses (excluding interest, taxes, brokerage commissions or other transactional expenses, Acquired Fund fees and expenses, extraordinary expenses and any expenses originally attributable to Class W shares of the Underlying Funds of the Trust that were incurred directly by the Fund) that exceed: (i) 0.00% of average daily net assets for Institutional Class shares; (ii) 0.15% of average daily net assets for Advisor Class shares; (iii) 0.15% of average daily net assets for Premier Class shares; and (iv) 0.25% of average daily net assets for Retirement Class shares of the Fund. These expense reimbursement arrangements will continue through at least September 30, 2020, unless changed with approval of the Board of Trustees.
[7] The performance shown for the Advisor and Premier classes that is prior to their inception dates is based on performance of the Fund's Retirement Class. The performance for these periods has not been restated to reflect the lower expenses of the Advisor and Premier classes.
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TIAA-CREF Lifecycle 2050 Fund
TIAA-CREF Lifecycle 2050 Fund
Investment objective

The Lifecycle 2050 Fund seeks high total return over time through a combination of capital appreciation and income.

Fees and expenses

This table describes the fees and expenses that you may pay if you buy and hold shares of the Fund. In addition to the fees and expenses described below, investors may be required to pay a commission to a broker-dealer or other financial intermediary on purchases and sales of Institutional Class or Advisor Class shares of the Fund.

SHAREHOLDER FEES (fees paid directly from your investment)
Shareholder Fees - TIAA-CREF Lifecycle 2050 Fund
Institutional Class
Advisor Class
Premier Class
Retirement Class
Maximum sales charge imposed on purchases (percentage of offering price) none none none none
Maximum deferred sales charge none none none none
Maximum sales charge imposed on reinvested dividends and other distributions none none none none
Redemption or exchange fee none none none none
Maximum account fee none none none none
ANNUAL FUND OPERATING EXPENSES (expenses that you pay each year as a percentage of the value of your investment)
Annual Fund Operating Expenses - TIAA-CREF Lifecycle 2050 Fund
Institutional Class
Advisor Class
Premier Class
Retirement Class
Management fees [1],[2] 0.50% 0.50% 0.50% 0.50%
Distribution (Rule 12b-1) fees     0.15%  
Other expenses [1],[2] 0.04% 0.12% 0.04% 0.29%
Acquired Fund fees and expenses [3] 0.03% 0.03% 0.03% 0.03%
Total annual Fund operating expenses 0.57% 0.65% 0.72% 0.82%
Waivers and expense reimbursements [4],[5] (0.12%) (0.12%) (0.12%) (0.12%)
Total annual Fund operating expenses after fee waiver and/or expense reimbursement 0.45% 0.53% 0.60% 0.70%
[1] Portions of the Management fees and Other expenses are based on expenses originally incurred by Class W shares of the Underlying Funds (as defined below) of the Trust, which have been incurred directly by the Fund pursuant to certain contractual arrangements intended to reallocate directly to the Fund certain fees and expenses that had been paid by the Underlying Funds of the Trust. For additional information, please see the "Management of the Funds" section of this Prospectus.
[2] Restated to reflect estimates for the current fiscal year.
[3] "Acquired Fund fees and expenses" are the Fund's proportionate amount of the expenses of any investment companies or pools in which it invests (excluding expenses originally incurred by Class W of the Underlying Funds of the Trust that have been incurred directly by the Fund, which are instead reflected in Management fees and Other expenses). These expenses are not paid directly by Fund shareholders. Instead, Fund shareholders bear these expenses indirectly because they reduce Fund performance. Because "Acquired Fund fees and expenses" are included in the chart above, the Fund's operating expenses here will not correlate with the expenses included in the Financial highlights in this Prospectus and the Fund's annual report.
[4] Advisors has contractually agreed to waive 0.10% of the Fund's Management fee. This waiver will remain in effect through September 30, 2022, unless changed with the approval of the Board of Trustees.
[5] Under the Fund's expense reimbursement arrangements, the Fund's investment adviser, Teachers Advisors, LLC ("Advisors"), has contractually agreed to reimburse the Fund for any Total annual Fund operating expenses (excluding interest, taxes, brokerage commissions or other transactional expenses, Acquired Fund fees and expenses, extraordinary expenses and any expenses originally attributable to Class W shares of the Underlying Funds of the Trust that were incurred directly by the Fund) that exceed: (i) 0.00% of average daily net assets for Institutional Class shares; (ii) 0.15% of average daily net assets for Advisor Class shares; (iii) 0.15% of average daily net assets for Premier Class shares; and (iv) 0.25% of average daily net assets for Retirement Class shares of the Fund. These expense reimbursement arrangements will continue through at least September 30, 2020, unless changed with approval of the Board of Trustees.
Example

This example is intended to help you compare the cost of investing in shares of the Fund with the cost of investing in other mutual funds. The example assumes that you invest $10,000 in the Fund for the time periods indicated and then redeem all your shares at the end of those periods. The example also assumes that your investment has a 5% return each year and that the Fund’s operating expenses, before fee waivers and/or expense reimbursements, remain the same. The example assumes that the Fund’s fee waiver and/or expense reimbursement arrangements will each remain in place for the durations noted in the table above. Although your actual costs may be higher or lower, based on these assumptions your costs would be:

Expense Example - TIAA-CREF Lifecycle 2050 Fund - USD ($)
Institutional Class
Advisor Class
Premier Class
Retirement Class
1 year $ 46 $ 54 $ 61 $ 72
3 years 149 174 197 228
5 years 285 329 367 422
10 years $ 681 $ 779 $ 863 $ 982
Portfolio turnover

The Fund pays transaction costs, such as commissions, when it buys and sells securities (or “turns over” its portfolio). A higher portfolio turnover rate may indicate higher transaction costs and may result in higher taxes when Fund shares are held in a taxable account. These costs, which are not reflected in annual fund operating expenses or in the example, affect the Fund’s performance. During the fiscal year ended May 31, 2019, the Fund’s portfolio turnover rate was 12% of the average value of its portfolio.

Principal investment strategies

The Fund is a “fund of funds” that invests in Class W shares of other funds of the Trust and in other investment pools or investment products, potentially including other funds advised by the Fund’s investment adviser, Teachers Advisors, LLC (“Advisors”), or its affiliates (collectively, the “Underlying Funds”). In general, the Fund is designed for investors who have an approximate target retirement year in mind, and the Fund’s investments are adjusted from more aggressive to more conservative over time as the Fund’s target retirement year approaches and for approximately 30 years afterwards. The Fund invests in Underlying Funds according to an asset allocation strategy designed for investors retiring in, or planning to retire within a few years of, 2050 and who may begin taking systematic withdrawals upon retirement.


Advisors currently expects to allocate approximately 91.25% of the Fund’s assets to equity Underlying Funds, 3.75% of its assets to fixed-income Underlying Funds and 5.00% of its assets to direct real estate Underlying Funds. These allocations represent targets for equity, fixed-income and direct real estate asset classes. Target allocations will change over time and actual allocations may vary up to ten percentage points from the targets. The target allocations along the investment glidepath, illustrated in the chart below, gradually become more conservative, moving to target allocations of approximately 45.00% equity/50.00% fixed-income/5.00% direct real estate in the Fund’s target retirement year of 2050 and reaching the Fund’s final target allocation of approximately 20.00% equity/80.00% fixed-income/0.00% direct real estate in 2080. Within the equity, fixed-income and direct real estate asset classes, Advisors allocates the Fund’s investments to particular market sectors (U.S. equity, international equity, fixed-income, short-term fixed-income, inflation-protected assets and direct real estate) represented by various Underlying Funds. These market sector allocations may vary by up to 10% from the Fund’s target market sector allocations. The Fund’s current target market sector allocations for June 30, 2020, which will change over time, are approximately as follows: U.S. Equity: 63.87%; International Equity: 27.38%; Fixed-Income: 3.75%; Short-Term Fixed-Income: 0.00%; Inflation-Protected Assets: 0.00%; and Direct Real Estate: 5.00%. The asset class and market sector names used herein are intended to reflect the primary type of investment of the Underlying Funds within each of these categories.


The Fund’s target market sector allocations to Underlying Funds may include the TIAA-CREF Growth & Income Fund, Large-Cap Growth Fund, Large-Cap Value Fund, Quant Large-Cap Growth Fund, Quant Large-Cap Value Fund, Quant Small-Cap Equity Fund and Quant Small/Mid-Cap Equity Fund (U.S. Equity); Emerging Markets Equity Fund, International Equity Fund, International Opportunities Fund, Quant International Equity Fund and Quant International Small-Cap Equity Fund (International Equity); Bond Fund, Bond Plus Fund, Emerging Markets Debt Fund, High-Yield Fund and International Bond Fund (Fixed-Income); Money Market Fund and Short-Term Bond Fund (Short-Term Fixed-Income); Inflation-Linked Bond Fund (Inflation-Protected Assets); and Real Property Fund LP (Direct Real Estate). TIAA-CREF Real Property Fund LP is a private fund, which is not available for investment by the general public; it is currently offered exclusively to investment pools or investment products managed by Advisors or its affiliates.


Additional or replacement Underlying Funds for each market sector, as well as additional or replacement market sectors, may be included when making future allocations if Advisors believes that such Underlying Funds and/or market sectors are appropriate in light of the Fund’s desired levels of risk and potential return at the particular time. The Fund’s portfolio management team may also add a new market sector if it believes that will help to achieve the Fund’s investment objective. The relative allocations among Underlying Funds within a market sector may be changed at any time without notice to shareholders, and the portfolio management team may use tactical allocation to take advantage of short to intermediate term opportunities through a combination of positions in Underlying Funds. If 10% or more of the Fund’s assets are expected to be invested in any Underlying Fund or market sector not listed above, shareholders will receive prior notice of such change.


The Fund’s asset class allocations, market sector allocations within each asset class, and Underlying Fund allocations within each market sector, as of June 30, 2019, are listed in the chart below. These allocations will change over time. Underlying Fund allocations in particular may change from year to year.


        

Asset Class

Allocation

  

Market Sector

Allocation

 

Underlying Funds

Allocation

Equity

91.63%

 

U.S. Equity

64.24%

 

Ÿ Growth & Income Fund

13.47%

      

Ÿ Large-Cap Growth Fund

12.15%

      

Ÿ Large-Cap Value Fund

11.78%

      

Ÿ Quant Large-Cap Growth Fund

10.63%

      

Ÿ Quant Large-Cap Value Fund

10.32%

      

Ÿ Quant Small-Cap Equity Fund

3.30%

      

Ÿ Quant Small/Mid-Cap Equity Fund

2.59%

   

International Equity

27.39%

 

Ÿ Quant International Equity Fund

7.15%

      

Ÿ International Equity Fund

5.96%

      

Ÿ International Opportunities Fund

5.94%

      

Ÿ Emerging Markets Equity Fund

4.69%

      

Ÿ Quant International Small-Cap Equity Fund

3.65%

Fixed-Income

3.76%

 

Fixed-Income

3.76%

 

Ÿ Bond Fund

1.97%

      

Ÿ Bond Plus Fund

1.22%

      

Ÿ Emerging Markets Debt Fund

0.31%

      

Ÿ International Bond Fund

0.20%

      

Ÿ High-Yield Fund

0.06%

Real Estate

4.61%

 

Direct Real Estate

4.61%

 

Ÿ TIAA-CREF Real Property Fund LP

4.61%


        

Total

100.00%

  

100.00%

  

100.00%


The following chart shows how the investment glidepath for the Fund is expected to gradually move the Fund’s target allocations over time between the different target market sector allocations. The actual market sector allocations of the Fund may differ from this chart. The Fund seeks to achieve its final target market sector allocations approximately 30 years following the target date.


Lifecycle Funds Glidepath as of June 30, 2020
Years to Target Retirement Date US Equities International Equities Direct Real Estate Fixed Income Short Term Fixed Income Inflation Protected Bonds
45 66.50% 28.50% 5.00% 0.00% 0.00% 0.00%
40 65.62% 28.13% 5.00% 1.25% 0.00% 0.00%
35 64.75% 27.75% 5.00% 2.50% 0.00% 0.00%
30 63.87% 27.38% 5.00% 3.75% 0.00% 0.00%
25 63.00% 27.00% 5.00% 5.00% 0.00% 0.00%
20 56.70% 24.30% 5.00% 14.00% 0.00% 0.00%
15 50.40% 21.60% 5.00% 23.00% 0.00% 0.00%
10 44.10% 18.90% 5.00% 28.00% 2.00% 2.00%
5 37.80% 16.20% 5.00% 33.00% 4.00% 4.00%
0 31.50% 13.50% 5.00% 38.00% 6.00% 6.00%
-5 28.00% 12.00% 5.00% 39.00% 8.00% 8.00%
-10 24.50% 10.50% 5.00% 40.00% 10.00% 10.00%
-15 22.75% 9.75% 2.50% 40.00% 15.00% 10.00%
-20 21.00% 9.00% 0.00% 40.00% 20.00% 10.00%
-25 17.50% 7.50% 0.00% 40.00% 25.00% 10.00%
-30 14.00% 6.00% 0.00% 40.00% 30.00% 10.00%

The Fund is designed to accommodate investors who invest in a fund up to their target retirement date, and plan to make gradual systematic withdrawals in retirement. In addition, investors should note that the Fund will continue to have a significant level of equity exposure up to, through and after its target retirement date, and this exposure could cause significant fluctuations in the value of the Fund depending on the performance of the equity markets generally.


After the Fund reaches its final target allocation, the Board of Trustees may authorize the merger of the Fund into another Lifecycle Fund which has also reached its final target allocation or other similar fund designed to maintain a relatively stable asset allocation reflecting the resting point on the glidepath described in the chart above. Fund shareholders will receive prior notice of any such merger.

Principal investment risks

You could lose money over short or long periods by investing in this Fund. An investment in the Fund, due to the nature of the Fund’s portfolio holdings, typically is subject to the following principal investment risks:


· Asset Allocation Risk—The risk that the Fund may not achieve its target allocations. In addition, there is the risk that the asset allocations may not achieve the desired risk-return characteristic or that the selection of Underlying Funds and the allocations among them will result in the Fund underperforming other similar funds or cause an investor to lose money.


· Underlying Funds Risks—The Fund is exposed to the risks of the Underlying Funds in which it invests in direct proportion to the amount of assets the Fund allocates to each Underlying Fund.


· Equity Underlying Funds Risks—The risks of investing in equity Underlying Funds include risks specific to their investment strategies, as well as risks related to the equity markets in general, such as:


· market risk—The risk that the price of equity investments may decline in response to general market and economic conditions or events, including conditions and developments outside of the financial markets;


· issuer risk—The risk that an issuer’s earnings prospects and overall financial position will deteriorate, causing a decline in the value of the issuer’s financial instruments over short or extended periods of time; and


· foreign investment risk—The increased risks of adverse issuer, political, regulatory, currency, market or economic developments compared to investments in U.S. issuers, which can result in greater market and price volatility.


· Fixed-Income Underlying Funds Risks—The risks of investing in fixed-income Underlying Funds include risks specific to their investment strategies, as well as risks related to the fixed-income markets in general, such as:


· interest rate risk—The risk that the value or yield of fixed-income investments may decline if interest rates change, which could adversely affect a Fund’s income or the value of its holdings;


· extension risk—The risk that during periods of rising interest rates, borrowers may pay off their mortgage loans later than expected, preventing a Fund from reinvesting principal proceeds at higher interest rates and resulting in less income than potentially available;


· issuer risk—The risk that an issuer’s earnings prospects and overall financial position will deteriorate, causing a decline in the value of the issuer’s financial instruments over short or extended periods of time;


· credit risk—The risk that a decline in an issuer’s financial position may prevent it from making principal and interest payments on fixed-income investments held by a Fund when due;


· credit spread risk—The risk that credit spreads (i.e., the difference in yield between securities that is due to differences in each security’s respective credit quality) may increase when market participants believe that bonds generally have a greater risk of default, which could result in a decline in the market values of a Fund’s debt securities;


· income volatility risk—The risk that the level of current income from a Fund’s portfolio of fixed-income securities may decline due to rapid and unpredictable changes in prevailing market interest rates; and


· call risk—The risk that, during periods of falling interest rates, an issuer may call (or repay) a fixed-income security prior to maturity, resulting in a decline in a Fund’s income.


· Direct Real Estate Underlying Funds Risks—The risks of investing in direct real estate Underlying Funds include risks specific to their investment strategies, as well as risks related to investing in real estate in general, such as:


· real estate-related investment risk—The risks associated with exposure to direct real estate through investing in investment vehicles managed by Advisors that will primarily invest directly in real estate, which can include declines in real estate values or revenues, uninsured losses at properties, the absence of regulatory oversight of and a secondary market for interests in direct real estate Underlying Funds, a scarcity of interests issued by direct real estate Underlying Funds, making it difficult for the Fund to achieve its target allocation, and illiquidity of interests in direct real estate Underlying Funds.


· Active Management Risk—The risk that the strategy, investment selection or trading execution of Advisors could cause the Fund or an Underlying Fund to underperform its benchmark index or mutual funds with similar investment objectives.


· Fund of Funds Risk—The ability of the Fund to achieve its investment objective will depend in part upon the ability of the Underlying Funds to achieve their investment objectives. There can be no guarantee that any Underlying Fund will achieve its investment objective.


There can be no assurances that the Fund will achieve its investment objective. You should not consider the Fund to be a complete investment program. Please see the non-summary portion of the Prospectus for more detailed information about the risks described above, including the risks of the Underlying Funds.

Past performance

The following chart and table help illustrate some of the risks of investing in the Fund by showing changes in the Fund’s performance from year to year. The bar chart shows the annual total returns of the Retirement Class of the Fund, before taxes, in each full calendar year for the last ten years. Because the expenses vary across share classes, the performance of the Retirement Class may vary from the other share classes. Below the bar chart are the best and worst returns of the Retirement Class for a calendar quarter during the full calendar-year periods covered by the bar chart. The performance table following the bar chart shows the Fund’s average annual total returns for the Retirement, Institutional, Advisor and Premier classes over the applicable one-year, five-year, ten-year and since-inception periods ended December 31, 2018, and how those returns compare to those of a broad-based securities market index and a composite index that represents the market sectors in which the Fund invests across the equity and fixed-income asset classes. After-tax performance is shown only for the Retirement Class shares, and after-tax returns for the other classes of shares will vary from the after-tax returns presented for Retirement Class shares.


The returns shown below reflect previous agreements by Advisors to waive or reimburse the Fund and certain Underlying Funds for certain fees and expenses. Without these waivers and reimbursements, the returns of the Fund would have been lower. Past performance of the Fund (before and after taxes) is not necessarily an indication of how it will perform in the future. The indices listed below are unmanaged, and you cannot invest directly in an index. The returns for the indices reflect no deduction for fees, expenses or taxes.


For current performance information of each share class, including performance to the most recent month-end, please visit www.tiaa.org.

ANNUAL TOTAL RETURNS FOR THE RETIREMENT CLASS SHARES (%)† Lifecycle 2050 Fund
Bar Chart

 The year-to-date return as of the most recent calendar quarter, which ended on June 30, 2019, was 16.25%.

Best quarter: 17.30%, for the quarter ended June 30, 2009. Worst quarter: -16.40%, for the quarter ended September 30, 2011.

AVERAGE ANNUAL TOTAL RETURNS For the Periods Ended December 31, 2018
Average Annual Returns - TIAA-CREF Lifecycle 2050 Fund
1 Year
5 Years
10 Years
Inception Date
Retirement Class (9.98%) 4.59% 10.11% Nov. 30, 2007
Institutional Class (9.82%) 4.85% 10.37% Nov. 30, 2007
Advisor Class (9.83%) 4.72% [1] 10.17% [1] Dec. 04, 2015
Premier Class (9.93%) 4.70% 10.20% [1] Sep. 30, 2009
After Taxes on Distributions | Retirement Class (11.10%) 3.37% 9.13%  
After Taxes on Distributions and Sale of Fund Shares | Retirement Class (5.25%) 3.35% 8.13%  
S&P Target Date 2050 Index (7.94%) 5.01% 10.02%  
Lifecycle 2050 Fund Composite Index (reflects no deductions for fees, expenses or taxes) [2] (7.38%) 5.59% 10.52%  
[1] The performance shown for the Advisor and Premier classes that is prior to their inception dates is based on performance of the Fund's Retirement Class. The performance for these periods has not been restated to reflect the lower expenses of the Advisor and Premier classes.
[2] As of the close of business on December 31, 2018, the Lifecycle 2050 Fund Composite Index consisted of: 64.1% Russell 3000® Index; 27.5% MSCI All Country World Index ex USA Investable Market Index; and 8.4% Bloomberg Barclays U.S. Aggregate Bond Index. The Fund's composite benchmark, the components that make up a composite benchmark and the method of calculating a composite benchmark's performance may vary over time.

Current performance of the Fund’s shares may be higher or lower than that shown above.


After-tax returns are calculated using the historical highest individual federal marginal income tax rates in effect during the periods shown and do not reflect the impact of state and local taxes. Actual after-tax returns depend on the investor’s tax situation and may differ from those shown. The after-tax returns shown are not relevant to investors who hold their Fund shares through tax-deferred arrangements such as 401(a), 401(k) or 403(b) plans or Individual Retirement Accounts (IRAs). After-tax returns are shown for only one class, and after-tax returns for other classes will vary.

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Label Element Value
TIAA-CREF Lifecycle Index 2010 Fund  
Risk/Return: rr_RiskReturnAbstract  
Risk/Return [Heading] rr_RiskReturnHeading TIAA-CREF Lifecycle Index 2010 Fund
Objective [Heading] rr_ObjectiveHeading Investment objective
Objective, Primary [Text Block] rr_ObjectivePrimaryTextBlock

The Lifecycle Index 2010 Fund seeks high total return over time through a combination of capital appreciation and income.

Expense [Heading] rr_ExpenseHeading Fees and expenses
Expense Narrative [Text Block] rr_ExpenseNarrativeTextBlock

This table describes the fees and expenses that you may pay if you buy and hold shares of the Fund. In addition to the fees and expenses described below, investors may be required to pay a commission to a broker-dealer or other financial intermediary on purchases and sales of Institutional Class or Advisor Class shares of the Fund.

Shareholder Fees Caption [Text] rr_ShareholderFeesCaption SHAREHOLDER FEES (fees paid directly from your investment)
Operating Expenses Caption [Text] rr_OperatingExpensesCaption ANNUAL FUND OPERATING EXPENSES (expenses that you pay each year as a percentage of the value of your investment)
Portfolio Turnover [Heading] rr_PortfolioTurnoverHeading Portfolio turnover
Portfolio Turnover [Text Block] rr_PortfolioTurnoverTextBlock

The Fund pays transaction costs, such as commissions, when it buys and sells securities (or “turns over” its portfolio). A higher portfolio turnover rate may indicate higher transaction costs and may result in higher taxes when Fund shares are held in a taxable account. These costs, which are not reflected in annual fund operating expenses or in the example, affect the Fund’s performance. During the fiscal year ended May 31, 2019, the Fund’s portfolio turnover rate was 19% of the average value of its portfolio.

Portfolio Turnover, Rate rr_PortfolioTurnoverRate 19.00%
Expenses Restated to Reflect Current [Text] rr_ExpensesRestatedToReflectCurrent Restated to reflect estimates for the current fiscal year.
Expense Example [Heading] rr_ExpenseExampleHeading Example
Expense Example Narrative [Text Block] rr_ExpenseExampleNarrativeTextBlock

This example is intended to help you compare the cost of investing in shares of the Fund with the cost of investing in other mutual funds. The example assumes that you invest $10,000 in the Fund for the time periods indicated and then redeem all your shares at the end of those periods. The example also assumes that your investment has a 5% return each year and that the Fund’s operating expenses, before fee waivers and/or expense reimbursements, remain the same. The example assumes that the Fund’s fee waiver and/or expense reimbursement arrangements will each remain in place for the durations noted in the table above. Although your actual costs may be higher or lower, based on these assumptions your costs would be:

Strategy [Heading] rr_StrategyHeading Principal investment strategies
Strategy Narrative [Text Block] rr_StrategyNarrativeTextBlock

The Fund is a “fund of funds” that invests in Class W shares of other funds of the Trust and potentially in other investment pools or investment products, including other funds advised by the Fund’s investment adviser, Teachers Advisors, LLC (“Advisors”), or its affiliates (collectively, the “Underlying Funds”). In general, the Fund is designed for investors who have an approximate target retirement year in mind, and the Fund’s investments are adjusted from more aggressive to more conservative over time as the Fund’s target retirement year approaches and for approximately 30 years afterwards. The Fund invests in Underlying Funds according to an asset allocation strategy designed for investors who retired in, or planned to retire within a few years of, 2010 and who may have begun taking systematic withdrawals upon retirement. The Fund has a policy of investing at least 80% of its assets (net assets, plus the amount of any borrowings for investment purposes) in Underlying Funds that are managed to seek investment returns that track particular market indices.


Advisors currently expects to allocate approximately 40.00% of the Fund’s assets to equity Underlying Funds and 60.00% of its assets to fixed-income Underlying Funds. These allocations represent targets for equity and fixed-income asset classes. Target allocations will change over time and actual allocations may vary up to ten percentage points from the targets. The target allocations along the investment glidepath, illustrated in the chart below, gradually become more conservative. The Fund had target allocations of approximately 50.00% equity/50.00% fixed-income in the Fund’s target retirement year of 2010 and will reach the Fund’s final target allocation of approximately 20.00% equity/80.00% fixed-income in 2040. Within the equity and fixed-income asset classes, Advisors allocates the Fund’s investments to particular market sectors (U.S. equity, international equity, fixed-income, short-term fixed-income and inflation-protected assets) represented by various Underlying Funds. These market sector allocations may vary by up to 10% from the Fund’s target market sector allocations. The Fund’s current target market sector allocations for June 30, 2020, which will change over time, are approximately as follows: U.S. Equity: 28.00%; International Equity: 12.00%; Fixed-Income: 40.00%; Short-Term Fixed-Income: 10.00%; and Inflation-Protected Assets: 10.00%. The asset class and market sector names used herein are intended to reflect the primary type of investment of the Underlying Funds within each of these categories.


The Fund’s target market sector allocations to Underlying Funds may include the TIAA-CREF Equity Index Fund (U.S. Equity); Emerging Markets Equity Index Fund and International Equity Index Fund (International Equity); Bond Index Fund (Fixed-Income); Short-Term Bond Index Fund (Short-Term Fixed-Income); and Inflation-Linked Bond Fund (Inflation-Protected Assets).


Additional or replacement Underlying Funds for each market sector, as well as additional or replacement market sectors, may be included when making future allocations if Advisors believes that such Underlying Funds and/or market sectors are appropriate in light of the Fund’s desired levels of risk and potential return at the particular time. The Fund’s portfolio management team may also add a new market sector if it believes that will help to achieve the Fund’s investment objective. The relative allocations among Underlying Funds within a market sector may be changed at any time without notice to shareholders. If 10% or more of the Fund’s assets are expected to be invested in any Underlying Fund or market sector not listed above, shareholders will receive prior notice of such change.


The Fund’s asset class allocations, market sector allocations within each asset class, and Underlying Fund allocations within each market sector, as of June 30, 2019, are listed in the chart below. These allocations will change over time. Underlying Fund allocations in particular may change from year to year.


        

Asset Class

Allocation

  

Market Sector

Allocation

 

Underlying Funds

Allocation

Equity

41.75%

 

U.S. Equity

29.28%

 

Ÿ Equity Index Fund

29.28%

   

International Equity

12.47%

 

Ÿ International Equity Index Fund

8.94%

      

Ÿ Emerging Markets Equity Index Fund

3.53%

Fixed-Income

58.25%

 

Fixed-Income

39.34%

 

Ÿ Bond Index Fund

39.34%

   

Short-Term
Fixed-Income

9.44%

 

Ÿ Short-Term Bond Index Fund

9.44%

   

Inflation-
Protected Assets

9.47%

 

Ÿ Inflation-Linked Bond Fund

9.47%


        

Total

100.00%

  

100.00%

  

100.00%


The following chart shows how the investment glidepath for the Fund is expected to gradually move the Fund’s target allocations over time between the different target market sector allocations. The actual market sector allocations of the Fund may differ from this chart. The Fund seeks to achieve its final target market sector allocations approximately 30 years following the target date.


Lifecycle Index Funds Glidepath as of June 30, 2020
Years to Target Retirement Date US Equities International Equities Fixed Income Short Term Fixed Income Inflation Protected Bonds
45 66.50% 28.50% 5.00% 0.00% 0.00%
40 65.62% 28.13% 6.25% 0.00% 0.00%
35 64.75% 27.75% 7.50% 0.00% 0.00%
30 63.87% 27.38% 8.75% 0.00% 0.00%
25 63.00% 27.00% 10.00% 0.00% 0.00%
20 57.40% 24.60% 18.00% 0.00% 0.00%
15 51.80% 22.20% 26.00% 0.00% 0.00%
10 46.20% 19.80% 30.00% 2.00% 2.00%
5 40.60% 17.40% 34.00% 4.00% 4.00%
0 35.00% 15.00% 38.00% 6.00% 6.00%
-5 31.50% 13.50% 39.00% 8.00% 8.00%
-10 28.00% 12.00% 40.00% 10.00% 10.00%
-15 24.50% 10.50% 40.00% 15.00% 10.00%
-20 21.00% 9.00% 40.00% 20.00% 10.00%
-25 17.50% 7.50% 40.00% 25.00% 10.00%
-30 14.00% 6.00% 40.00% 30.00% 10.00%

The Fund is designed to accommodate investors who invest in a fund up to their target retirement date, and plan to make gradual systematic withdrawals in retirement. In addition, investors should note that the Fund will continue to have a significant level of equity exposure up to, through and after its target retirement date, and this exposure could cause significant fluctuations in the value of the Fund depending on the performance of the equity markets generally.


After the Fund reaches its final target allocation, the Board of Trustees may authorize the merger of the Fund into another Lifecycle Index Fund which has also reached its final target allocation or other similar fund designed to maintain a relatively stable asset allocation reflecting the resting point on the glidepath described in the chart above. Fund shareholders will receive prior notice of any such merger.

Risk [Heading] rr_RiskHeading Principal investment risks
Risk Narrative [Text Block] rr_RiskNarrativeTextBlock

You could lose money over short or long periods by investing in this Fund. An investment in the Fund, due to the nature of the Fund’s portfolio holdings, typically is subject to the following principal investment risks:


· Asset Allocation Risk—The risk that the Fund may not achieve its target allocations. In addition, there is the risk that the asset allocations may not achieve the desired risk-return characteristic or that the selection of Underlying Funds and the allocations among them will result in the Fund underperforming other similar funds or cause an investor to lose money.


· Index Risk—The risk that the Fund’s performance may not correspond to its benchmark index for any period of time and may underperform such index or the overall financial market. Additionally, to the extent that the Fund’s investments vary from the composition of its benchmark index, the Fund’s performance could potentially vary from the index’s performance to a greater extent than if the Fund merely attempted to replicate the index.


· Underlying Funds Risks—The Fund is exposed to the risks of the Underlying Funds in which it invests in direct proportion to the amount of assets the Fund allocates to each Underlying Fund.


· Equity Underlying Funds Risks—The risks of investing in equity Underlying Funds include risks specific to their investment strategies, as well as risks related to the equity markets in general, such as:


· market risk—The risk that the price of equity investments may decline in response to general market and economic conditions or events, including conditions and developments outside of the financial markets;


· issuer risk—The risk that an issuer’s earnings prospects and overall financial position will deteriorate, causing a decline in the value of the issuer’s financial instruments over short or extended periods of time; and


· foreign investment risk—The increased risks of adverse issuer, political, regulatory, currency, market or economic developments compared to investments in U.S. issuers, which can result in greater market and price volatility.


· Fixed-Income Underlying Funds Risks—The risks of investing in fixed-income Underlying Funds include risks specific to their investment strategies, as well as risks related to the fixed-income markets in general, such as:


· interest rate risk—The risk that the value or yield of fixed-income investments may decline if interest rates change, which could adversely affect a Fund’s income or the value of its holdings;


· extension risk—The risk that during periods of rising interest rates, borrowers may pay off their mortgage loans later than expected, preventing a Fund from reinvesting principal proceeds at higher interest rates and resulting in less income than potentially available;


· issuer risk—The risk that an issuer’s earnings prospects and overall financial position will deteriorate, causing a decline in the value of the issuer’s financial instruments over short or extended periods of time;


· credit risk—The risk that a decline in an issuer’s financial position may prevent it from making principal and interest payments on fixed-income investments held by a Fund when due;


· credit spread risk—The risk that credit spreads (i.e., the difference in yield between securities that is due to differences in each security’s respective credit quality) may increase when market participants believe that bonds generally have a greater risk of default, which could result in a decline in the market values of a Fund’s debt securities;


· income volatility risk—The risk that the level of current income from a Fund’s portfolio of fixed-income securities may decline due to rapid and unpredictable changes in prevailing market interest rates; and


· call risk—The risk that, during periods of falling interest rates, an issuer may call (or repay) a fixed-income security prior to maturity, resulting in a decline in a Fund’s income.


· Active Management Risk—The risk that the strategy, investment selection or trading execution of Advisors could cause the Fund or an Underlying Fund to underperform its benchmark index or mutual funds with similar investment objectives.


· Fund of Funds Risk—The ability of the Fund to achieve its investment objective will depend in part upon the ability of the Underlying Funds to achieve their investment objectives. There can be no guarantee that any Underlying Fund will achieve its investment objective.


There can be no assurances that the Fund will achieve its investment objective. You should not consider the Fund to be a complete investment program. Please see the non-summary portion of the Prospectus for more detailed information about the risks described above, including the risks of the Underlying Funds.

Risk Lose Money [Text] rr_RiskLoseMoney You could lose money over short or long periods by investing in this Fund.
Bar Chart and Performance Table [Heading] rr_BarChartAndPerformanceTableHeading Past performance
Performance Narrative [Text Block] rr_PerformanceNarrativeTextBlock

The following chart and table help illustrate some of the risks of investing in the Fund by showing changes in the Fund’s performance from year to year. The bar chart shows the annual total returns of the Retirement Class of the Fund, before taxes, in each full calendar year since inception of the Retirement Class. Because the expenses vary across share classes, the performance of the Retirement Class may vary from the other share classes. Below the bar chart are the best and worst returns of the Retirement Class for a calendar quarter during the full calendar-year periods covered by the bar chart. The performance table following the bar chart shows the Fund’s average annual total returns for the Retirement, Institutional, Advisor and Premier classes over the applicable one-year, five-year, ten-year and since-inception periods ended December 31, 2018, and how those returns compare to those of a broad-based securities market index and a composite index based on the Fund’s target allocations. After-tax performance is shown only for the Retirement Class shares, and after-tax returns for the other classes of shares will vary from the after-tax returns presented for Retirement Class shares.


The returns shown below reflect previous agreements by Advisors to waive or reimburse the Fund and certain Underlying Funds for certain fees and expenses. Without these waivers and reimbursements, the returns of the Fund would have been lower. Past performance of the Fund (before and after taxes) is not necessarily an indication of how it will perform in the future. The indices listed below are unmanaged, and you cannot invest directly in an index. The returns for the indices reflect no deduction for fees, expenses or taxes.


For current performance information of each share class, including performance to the most recent month-end, please visit www.tiaa.org.

Performance Information Illustrates Variability of Returns [Text] rr_PerformanceInformationIllustratesVariabilityOfReturns The following chart and table help illustrate some of the risks of investing in the Fund by showing changes in the Fund’s performance from year to year.
Performance Additional Market Index [Text] rr_PerformanceAdditionalMarketIndex As of the close of business on December 31, 2018, the Lifecycle Index 2010 Fund Composite Index consisted of: 39.7% Bloomberg Barclays U.S. Aggregate Bond Index; 29.0% Russell 3000® Index; 12.5% MSCI EAFE + Emerging Markets Index; 9.4% Bloomberg Barclays U.S. 1-3 Year Government/Credit Bond Index; and 9.4% Bloomberg Barclays U.S. Treasury Inflation Protected Securities (TIPS) 1-10 Year Index. The Fund’s composite benchmark, the components that make up a composite benchmark and the method of calculating a composite benchmark’s performance may vary over time.
Performance Availability Website Address [Text] rr_PerformanceAvailabilityWebSiteAddress www.tiaa.org
Performance Past Does Not Indicate Future [Text] rr_PerformancePastDoesNotIndicateFuture Past performance of the Fund (before and after taxes) is not necessarily an indication of how it will perform in the future.
Bar Chart [Heading] rr_BarChartHeading ANNUAL TOTAL RETURNS FOR THE RETIREMENT CLASS SHARES (%)† Lifecycle Index 2010 Fund
Bar Chart Footnotes [Text Block] rr_BarChartFootnotesTextBlock

 The year-to-date return as of the most recent calendar quarter, which ended on June 30, 2019, was 10.02%.

Bar Chart Closing [Text Block] rr_BarChartClosingTextBlock

Best quarter: 7.77%, for the quarter ended September 30, 2010. Worst quarter: -6.63%, for the quarter ended September 30, 2011.

Year to Date Return, Label rr_YearToDateReturnLabel The year-to-date return as of the most recent calendar quarter, which ended on June 30, 2019, was
Bar Chart, Year to Date Return, Date rr_BarChartYearToDateReturnDate Jun. 30, 2019
Bar Chart, Year to Date Return rr_BarChartYearToDateReturn 10.02%
Highest Quarterly Return, Label rr_HighestQuarterlyReturnLabel Best quarter:
Highest Quarterly Return, Date rr_BarChartHighestQuarterlyReturnDate Sep. 30, 2010
Highest Quarterly Return rr_BarChartHighestQuarterlyReturn 7.77%
Lowest Quarterly Return, Label rr_LowestQuarterlyReturnLabel Worst quarter:
Lowest Quarterly Return, Date rr_BarChartLowestQuarterlyReturnDate Sep. 30, 2011
Lowest Quarterly Return rr_BarChartLowestQuarterlyReturn (6.63%)
Index No Deduction for Fees, Expenses, Taxes [Text] rr_IndexNoDeductionForFeesExpensesTaxes (reflects no deductions for fees, expenses or taxes)
Performance Table Uses Highest Federal Rate rr_PerformanceTableUsesHighestFederalRate After-tax returns are calculated using the historical highest individual federal marginal income tax rates in effect during the periods shown and do not reflect the impact of state and local taxes.
Performance Table Not Relevant to Tax Deferred rr_PerformanceTableNotRelevantToTaxDeferred The after-tax returns shown are not relevant to investors who hold their Fund shares through tax-deferred arrangements such as 401(a), 401(k) or 403(b) plans or Individual Retirement Accounts (IRAs).
Performance Table One Class of after Tax Shown [Text] rr_PerformanceTableOneClassOfAfterTaxShown After-tax performance is shown only for the Retirement Class shares, and after-tax returns for the other classes of shares will vary from the after-tax returns presented for Retirement Class shares.
Performance Table Closing [Text Block] rr_PerformanceTableClosingTextBlock

Current performance of the Fund’s shares may be higher or lower than that shown above.


After-tax returns are calculated using the historical highest individual federal marginal income tax rates in effect during the periods shown and do not reflect the impact of state and local taxes. Actual after-tax returns depend on the investor’s tax situation and may differ from those shown. The after-tax returns shown are not relevant to investors who hold their Fund shares through tax-deferred arrangements such as 401(a), 401(k) or 403(b) plans or Individual Retirement Accounts (IRAs). After-tax returns are shown for only one class, and after-tax returns for other classes will vary.

Average Annual Return, Caption rr_AverageAnnualReturnCaption AVERAGE ANNUAL TOTAL RETURNS For the Periods Ended December 31, 2018
TIAA-CREF Lifecycle Index 2010 Fund | S&P Target Date 2010 Index  
Risk/Return: rr_RiskReturnAbstract  
1 Year rr_AverageAnnualReturnYear01 (3.10%)
5 Years rr_AverageAnnualReturnYear05 3.40%
Since Inception rr_AverageAnnualReturnSinceInception 5.50% [1]
TIAA-CREF Lifecycle Index 2010 Fund | Lifecycle Index 2010 Fund Composite Index (reflects no deductions for fees, expenses or taxes)  
Risk/Return: rr_RiskReturnAbstract  
1 Year rr_AverageAnnualReturnYear01 (2.94%) [2]
5 Years rr_AverageAnnualReturnYear05 4.01% [2]
Since Inception rr_AverageAnnualReturnSinceInception 6.33% [1],[2]
TIAA-CREF Lifecycle Index 2010 Fund | Institutional Class  
Risk/Return: rr_RiskReturnAbstract  
Maximum sales charge imposed on purchases (percentage of offering price) rr_MaximumSalesChargeImposedOnPurchasesOverOfferingPrice none
Maximum deferred sales charge rr_MaximumDeferredSalesChargeOverOfferingPrice none
Maximum sales charge imposed on reinvested dividends and other distributions rr_MaximumSalesChargeOnReinvestedDividendsAndDistributionsOverOther none
Redemption or exchange fee rr_RedemptionFeeOverRedemption none
Maximum account fee rr_MaximumAccountFeeOverAssets none
Management fees rr_ManagementFeesOverAssets 0.19% [3],[4]
Other expenses rr_OtherExpensesOverAssets 0.06% [3],[4]
Total annual Fund operating expenses rr_ExpensesOverAssets 0.25%
Waivers and expense reimbursements rr_FeeWaiverOrReimbursementOverAssets (0.15%) [5],[6]
Total annual Fund operating expenses after fee waiver and/or expense reimbursement rr_NetExpensesOverAssets 0.10%
Expense Example, with Redemption, 1 Year rr_ExpenseExampleYear01 $ 10
Expense Example, with Redemption, 3 Years rr_ExpenseExampleYear03 65
Expense Example, with Redemption, 5 Years rr_ExpenseExampleYear05 126
Expense Example, with Redemption, 10 Years rr_ExpenseExampleYear10 $ 303
1 Year rr_AverageAnnualReturnYear01 (2.87%)
5 Years rr_AverageAnnualReturnYear05 3.94%
Since Inception rr_AverageAnnualReturnSinceInception 6.20%
Inception Date rr_AverageAnnualReturnInceptionDate Sep. 30, 2009
TIAA-CREF Lifecycle Index 2010 Fund | Advisor Class  
Risk/Return: rr_RiskReturnAbstract  
Maximum sales charge imposed on purchases (percentage of offering price) rr_MaximumSalesChargeImposedOnPurchasesOverOfferingPrice none
Maximum deferred sales charge rr_MaximumDeferredSalesChargeOverOfferingPrice none
Maximum sales charge imposed on reinvested dividends and other distributions rr_MaximumSalesChargeOnReinvestedDividendsAndDistributionsOverOther none
Redemption or exchange fee rr_RedemptionFeeOverRedemption none
Maximum account fee rr_MaximumAccountFeeOverAssets none
Management fees rr_ManagementFeesOverAssets 0.19% [3],[4]
Other expenses rr_OtherExpensesOverAssets 0.14% [3],[4]
Total annual Fund operating expenses rr_ExpensesOverAssets 0.33%
Waivers and expense reimbursements rr_FeeWaiverOrReimbursementOverAssets (0.15%) [5],[6]
Total annual Fund operating expenses after fee waiver and/or expense reimbursement rr_NetExpensesOverAssets 0.18%
Expense Example, with Redemption, 1 Year rr_ExpenseExampleYear01 $ 18
Expense Example, with Redemption, 3 Years rr_ExpenseExampleYear03 91
Expense Example, with Redemption, 5 Years rr_ExpenseExampleYear05 170
Expense Example, with Redemption, 10 Years rr_ExpenseExampleYear10 $ 403
1 Year rr_AverageAnnualReturnYear01 (2.98%)
5 Years rr_AverageAnnualReturnYear05 3.81% [7]
Since Inception rr_AverageAnnualReturnSinceInception 6.00% [7]
Inception Date rr_AverageAnnualReturnInceptionDate Dec. 04, 2015
TIAA-CREF Lifecycle Index 2010 Fund | Premier Class  
Risk/Return: rr_RiskReturnAbstract  
Maximum sales charge imposed on purchases (percentage of offering price) rr_MaximumSalesChargeImposedOnPurchasesOverOfferingPrice none
Maximum deferred sales charge rr_MaximumDeferredSalesChargeOverOfferingPrice none
Maximum sales charge imposed on reinvested dividends and other distributions rr_MaximumSalesChargeOnReinvestedDividendsAndDistributionsOverOther none
Redemption or exchange fee rr_RedemptionFeeOverRedemption none
Maximum account fee rr_MaximumAccountFeeOverAssets none
Management fees rr_ManagementFeesOverAssets 0.19% [3],[4]
Distribution (Rule 12b-1) fees rr_DistributionAndService12b1FeesOverAssets 0.15%
Other expenses rr_OtherExpensesOverAssets 0.06% [3],[4]
Total annual Fund operating expenses rr_ExpensesOverAssets 0.40%
Waivers and expense reimbursements rr_FeeWaiverOrReimbursementOverAssets (0.15%) [5],[6]
Total annual Fund operating expenses after fee waiver and/or expense reimbursement rr_NetExpensesOverAssets 0.25%
Expense Example, with Redemption, 1 Year rr_ExpenseExampleYear01 $ 26
Expense Example, with Redemption, 3 Years rr_ExpenseExampleYear03 113
Expense Example, with Redemption, 5 Years rr_ExpenseExampleYear05 209
Expense Example, with Redemption, 10 Years rr_ExpenseExampleYear10 $ 491
1 Year rr_AverageAnnualReturnYear01 (3.10%)
5 Years rr_AverageAnnualReturnYear05 3.77%
Since Inception rr_AverageAnnualReturnSinceInception 6.04%
Inception Date rr_AverageAnnualReturnInceptionDate Sep. 30, 2009
TIAA-CREF Lifecycle Index 2010 Fund | Retirement Class  
Risk/Return: rr_RiskReturnAbstract  
Maximum sales charge imposed on purchases (percentage of offering price) rr_MaximumSalesChargeImposedOnPurchasesOverOfferingPrice none
Maximum deferred sales charge rr_MaximumDeferredSalesChargeOverOfferingPrice none
Maximum sales charge imposed on reinvested dividends and other distributions rr_MaximumSalesChargeOnReinvestedDividendsAndDistributionsOverOther none
Redemption or exchange fee rr_RedemptionFeeOverRedemption none
Maximum account fee rr_MaximumAccountFeeOverAssets none
Management fees rr_ManagementFeesOverAssets 0.19% [3],[4]
Other expenses rr_OtherExpensesOverAssets 0.31% [3],[4]
Total annual Fund operating expenses rr_ExpensesOverAssets 0.50%
Waivers and expense reimbursements rr_FeeWaiverOrReimbursementOverAssets (0.15%) [5],[6]
Total annual Fund operating expenses after fee waiver and/or expense reimbursement rr_NetExpensesOverAssets 0.35%
Expense Example, with Redemption, 1 Year rr_ExpenseExampleYear01 $ 36
Expense Example, with Redemption, 3 Years rr_ExpenseExampleYear03 145
Expense Example, with Redemption, 5 Years rr_ExpenseExampleYear05 265
Expense Example, with Redemption, 10 Years rr_ExpenseExampleYear10 $ 614
Annual Return 2010 rr_AnnualReturn2010 10.48%
Annual Return 2011 rr_AnnualReturn2011 3.07%
Annual Return 2012 rr_AnnualReturn2012 10.21%
Annual Return 2013 rr_AnnualReturn2013 10.55%
Annual Return 2014 rr_AnnualReturn2014 5.98%
Annual Return 2015 rr_AnnualReturn2015 (0.29%)
Annual Return 2016 rr_AnnualReturn2016 5.56%
Annual Return 2017 rr_AnnualReturn2017 10.82%
Annual Return 2018 rr_AnnualReturn2018 (3.15%)
1 Year rr_AverageAnnualReturnYear01 (3.15%)
5 Years rr_AverageAnnualReturnYear05 3.67%
Since Inception rr_AverageAnnualReturnSinceInception 5.92%
Inception Date rr_AverageAnnualReturnInceptionDate Sep. 30, 2009
TIAA-CREF Lifecycle Index 2010 Fund | Retirement Class | After Taxes on Distributions  
Risk/Return: rr_RiskReturnAbstract  
1 Year rr_AverageAnnualReturnYear01 (4.03%)
5 Years rr_AverageAnnualReturnYear05 2.92%
Since Inception rr_AverageAnnualReturnSinceInception 5.24%
TIAA-CREF Lifecycle Index 2010 Fund | Retirement Class | After Taxes on Distributions and Sale of Fund Shares  
Risk/Return: rr_RiskReturnAbstract  
1 Year rr_AverageAnnualReturnYear01 (1.65%)
5 Years rr_AverageAnnualReturnYear05 2.60%
Since Inception rr_AverageAnnualReturnSinceInception 4.51%
[1] Performance is calculated from the inception date of the Retirement Class.
[2] As of the close of business on December 31, 2018, the Lifecycle Index 2010 Fund Composite Index consisted of: 39.7% Bloomberg Barclays U.S. Aggregate Bond Index; 29.0% Russell 3000® Index; 12.5% MSCI EAFE + Emerging Markets Index; 9.4% Bloomberg Barclays U.S. 1-3 Year Government/Credit Bond Index; and 9.4% Bloomberg Barclays U.S. Treasury Inflation Protected Securities (TIPS) 1-10 Year Index. The Fund's composite benchmark, the components that make up a composite benchmark and the method of calculating a composite benchmark's performance may vary over time.
[3] Portions of the Management fees and Other expenses are based on expenses originally incurred by Class W shares of the Underlying Funds (as defined below) of the Trust, which have been incurred directly by the Fund pursuant to certain contractual arrangements intended to reallocate directly to the Fund certain fees and expenses that had been paid by the Underlying Funds of the Trust. For additional information, please see the "Management of the Funds" section of this Prospectus.
[4] Restated to reflect estimates for the current fiscal year.
[5] Advisors has contractually agreed to waive 0.102% of the Fund's Management fee. This waiver will remain in effect through September 30, 2020, unless changed with the approval of the Board of Trustees.
[6] Under the Fund's expense reimbursement arrangements, the Fund's investment adviser, Teachers Advisors, LLC ("Advisors"), has contractually agreed to reimburse the Fund for any Total annual Fund operating expenses (excluding interest, taxes, brokerage commissions or other transactional expenses, Acquired Fund fees and expenses, extraordinary expenses and any expenses originally attributable to Class W shares of the Underlying Funds of the Trust that were incurred directly by the Fund) that exceed: (i) 0.00% of average daily net assets for Institutional Class shares; (ii) 0.15% of average daily net assets for Advisor Class shares; (iii) 0.15% of average daily net assets for Premier Class shares; and (iv) 0.25% of average daily net assets for Retirement Class shares of the Fund. These expense reimbursement arrangements will continue through at least September 30, 2020, unless changed with approval of the Board of Trustees.
[7] The performance shown for the Advisor Class that is prior to its inception date is based on performance of the Fund's Retirement Class. The performance for these periods has not been restated to reflect the lower expenses of the Advisor Class.
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TIAA-CREF Lifestyle Moderate Fund
TIAA-CREF Lifestyle Moderate Fund
Investment objective

The Fund seeks long-term total return, consisting of capital appreciation and current income.

Fees and expenses

This table describes the fees and expenses that you may pay if you buy and hold shares of the Fund. In addition to the fees and expenses described below, investors may be required to pay a commission to a broker-dealer or other financial intermediary on purchases and sales of Institutional Class or Advisor Class shares of the Fund.

SHAREHOLDER FEES (fees paid directly from your investment)
Shareholder Fees - TIAA-CREF Lifestyle Moderate Fund - USD ($)
Institutional Class
Advisor Class
Premier Class
Retirement Class
Retail Class
Maximum sales charge imposed on purchases (percentage of offering price) none none none none none
Maximum deferred sales charge none none none none none
Maximum sales charge imposed on reinvested dividends and other distributions none none none none none
Redemption or exchange fee none none none none none
Account maintenance fee (annual fee on accounts under $2,000) none none none none $ 15.00
ANNUAL FUND OPERATING EXPENSES (expenses that you pay each year as a percentage of the value of your investment)
Annual Fund Operating Expenses - TIAA-CREF Lifestyle Moderate Fund
Institutional Class
Advisor Class
Premier Class
Retirement Class
Retail Class
Management fees 0.10% 0.10% 0.10% 0.10% 0.10%
Distribution (Rule 12b-1) fees     0.15%   0.25%
Other expenses 0.07% 0.15% [1] 0.07% 0.32% 0.08%
Acquired Fund fees and expenses [2] 0.40% 0.40% 0.40% 0.40% 0.40%
Total annual Fund operating expenses 0.57% 0.65% 0.72% 0.82% 0.83%
Waivers and expense reimbursements [3] (0.07%) (0.07%) (0.07%) (0.07%) (0.06%)
Total annual Fund operating expenses after fee waiver and/or expense reimbursement 0.50% 0.58% 0.65% 0.75% 0.77%
[1] Restated to reflect estimate for the current fiscal year.
[2] "Acquired Fund fees and expenses" are the Fund's proportionate amount of the expenses of any investment companies or pools in which it invests. These expenses are not paid directly by Fund shareholders. Instead, Fund shareholders bear these expenses indirectly because they reduce Fund performance. Because "Acquired Fund fees and expenses" are included in the chart above, the Fund's operating expenses here will not correlate with the expenses included in the Financial highlights in this Prospectus and the Fund's annual report.
[3] Under the Fund's expense reimbursement arrangements, the Fund's investment adviser, Teachers Advisors, LLC ("Advisors"), has contractually agreed to reimburse the Fund for any Total annual Fund operating expenses (excluding interest, taxes, brokerage commissions or other transactional expenses, Acquired Fund fees and expenses and extraordinary expenses) that exceed: (i) 0.10% of average daily net assets for Institutional Class shares; (ii) 0.25% of average daily net assets for Advisor Class shares; (iii) 0.25% of average daily net assets for Premier Class shares; (iv) 0.35% of average daily net assets for Retirement Class shares; and (v) 0.49% of average daily net assets for Retail Class shares of the Fund. These expense reimbursement arrangements will continue through at least September 30, 2020, unless changed with approval of the Board of Trustees.
Example

This example is intended to help you compare the cost of investing in shares of the Fund with the cost of investing in other mutual funds. The example assumes that you invest $10,000 in the Fund for the time periods indicated and then redeem all your shares at the end of those periods. The example also assumes that your investment has a 5% return each year and that the Fund’s operating expenses, before fee waivers and/or expense reimbursements, remain the same. The example assumes that the Fund’s fee waiver and/or expense reimbursement arrangements will each remain in place for the duration noted in the table above. Although your actual costs may be higher or lower, based on these assumptions your costs would be:

Expense Example - TIAA-CREF Lifestyle Moderate Fund - USD ($)
Institutional Class
Advisor Class
Premier Class
Retirement Class
Retail Class
1 year $ 51 $ 59 $ 66 $ 77 $ 79
3 years 176 201 223 255 259
5 years 311 355 394 448 455
10 years $ 707 $ 804 $ 888 $ 1,007 $ 1,020
Portfolio turnover

The Fund pays transaction costs, such as commissions, when it buys and sells securities (or “turns over” its portfolio). A higher portfolio turnover rate may indicate higher transaction costs and may result in higher taxes when Fund shares are held in a taxable account. These costs, which are not reflected in annual fund operating expenses or in the example, affect the Fund’s performance. During the fiscal year ended May 31, 2019, the Fund’s portfolio turnover rate was 23% of the average value of its portfolio.

Principal investment strategies

The Fund is a “fund of funds” that invests in Institutional Class shares of other funds of the Trust and potentially in other investment pools or investment products, including other funds advised by the Fund’s investment adviser, Teachers Advisors, LLC (“Advisors”), or its affiliates (collectively, the “Underlying Funds”). The Fund is designed for investors seeking long-term total return, consisting of capital appreciation and current income, through a relatively stable asset allocation strategy targeting a moderate risk-return profile. Advisors generally seeks to meet the Fund’s investment objective by investing: (1) approximately 60% of the Fund’s assets in equity Underlying Funds and (2) approximately 40% of the Fund’s assets in fixed-income Underlying Funds. The Fund may deviate from these target allocations by up to ten percentage points depending upon current market conditions and outlook.


The Underlying Funds’ allocation targets generally represent targets for investments in equity and fixed-income asset classes. Within the equity and fixed-income asset classes, Advisors allocates the Fund’s investments to particular market sectors (which may include U.S. equity, international equity, fixed-income and short-term fixed-income) represented by various Underlying Funds. To maintain an appropriate allocation among the Underlying Funds, the portfolio managers monitor the domestic and foreign equity markets, as well as overall financial and economic conditions. The Fund may sometimes be more heavily weighted toward equities or fixed-income than the target allocations, if the portfolio managers believe market conditions warrant. For example, the Fund may increase its holdings in fixed-income Underlying Funds in periods when the portfolio managers believe the equity markets will decline. The market sector allocations and Underlying Fund allocations may also be changed over time by the portfolio managers, including the addition and removal of market sectors and Underlying Funds in which the Fund invests in light of the Fund’s desired level of risk and potential return at a particular time as evaluated by the portfolio managers based on a mix of qualitative and quantitative factors. The portfolio managers may also opportunistically purchase other Funds or other investment pools or investment products, based on the portfolio managers’ evaluation of the market sectors and/or Underlying Funds without prior notice to shareholders. If 10% or more of the Fund’s assets are expected to be invested in any Underlying Fund, market sector or asset class not listed in the chart below, shareholders will receive prior notice of such change.


As a result of its investments in the Underlying Funds, the Fund’s returns will reflect investments in a mix of domestic and foreign equities of companies of various sizes and a variety of domestic and foreign fixed-income instruments of private and governmental issuers of varying maturities and credit qualities.


As part of the Fund’s ability to invest in unaffiliated investment products or pools noted above, the Fund may invest in exchange-traded funds (“ETFs”) and exchange-traded notes (“ETNs”) to gain exposure to various market sectors or securities in order to effect its asset allocation strategy. Additionally, the Fund may use ETFs and ETNs for cash management, hedging or defensive purposes. ETFs and ETNs will be subject to the risks associated with the types of securities or sectors that they track, while ETNs, which are structured as fixed-income obligations, will also be subject to the general risks of fixed-income securities, including credit risk.


The Fund’s asset class allocations, market sector allocations within each asset class, and Underlying Fund allocations within each market sector as of June 30, 2019, are listed in the chart below. These allocations may change over time. Underlying Fund allocations in particular may change from year to year.


        

Asset Class

Allocation

  

Market Sector

Allocation

 

Underlying Funds

Allocation

Equity

60.66%

 

U.S. Equity

43.54%

 

Ÿ Large-Cap Growth Fund

10.74%

      

Ÿ Large-Cap Value Fund

10.40%

      

Ÿ Growth & Income Fund

9.52%

      

Ÿ Quant Large-Cap Growth Fund

6.02%

      

Ÿ Quant Large-Cap Value Fund

2.90%

      

Ÿ Quant Small-Cap Equity Fund

2.13%

      

Ÿ Quant Small/Mid-Cap Equity Fund

1.83%

   

International Equity

17.12%

 

Ÿ International Equity Fund

4.72%

      

Ÿ International Opportunities Fund

3.92%

      

Ÿ Emerging Markets Equity Fund

3.10%

      

Ÿ Quant International Equity Fund

2.97%

      

Ÿ Quant International Small-Cap Equity Fund

2.41%

Fixed-Income

39.34%

 

Fixed-Income

39.34%

 

Ÿ Bond Plus Fund

39.34%


        

Total

100.00%

  

100.00%

  

100.00%

Principal investment risks

You could lose money over short or long periods by investing in this Fund. An investment in the Fund, due to the nature of the Fund’s portfolio holdings, typically is subject to the following principal investment risks:


· Asset Allocation Risk—The risk that the Fund may not achieve its target allocations. In addition, there is the risk that the asset allocations may not achieve the desired risk-return characteristic or that the selection of Underlying Funds and the allocations among them will result in the Fund underperforming other similar funds or cause an investor to lose money.


· Underlying Funds Risks—The Fund is exposed to the risks of the Underlying Funds in which it invests in direct proportion to the amount of assets the Fund allocates to each Underlying Fund.


· Equity Underlying Funds Risks—The risks of investing in equity Underlying Funds include risks specific to their investment strategies, as well as risks related to the equity markets in general, such as:


· market risk—The risk that the price of equity investments may decline in response to general market and economic conditions or events, including conditions and developments outside of the financial markets;


· issuer risk—The risk that an issuer’s earnings prospects and overall financial position will deteriorate, causing a decline in the value of the issuer’s financial instruments over short or extended periods of time; and


· foreign investment risk—The increased risks of adverse issuer, political, regulatory, currency, market or economic developments compared to investments in U.S. issuers, which can result in greater market and price volatility.


· Fixed-Income Underlying Funds Risks—The risks of investing in fixed-income Underlying Funds include risks specific to their investment strategies, as well as risks related to the fixed-income markets in general, such as:


· interest rate risk—The risk that the value or yield of fixed-income investments may decline if interest rates change, which could adversely affect a Fund’s income or the value of its holdings;


· extension risk—The risk that during periods of rising interest rates, borrowers may pay off their mortgage loans later than expected, preventing a Fund from reinvesting principal proceeds at higher interest rates and resulting in less income than potentially available;


· issuer risk—The risk that an issuer’s earnings prospects and overall financial position will deteriorate, causing a decline in the value of the issuer’s financial instruments over short or extended periods of time;


· credit risk—The risk that a decline in an issuer’s financial position may prevent it from making principal and interest payments on fixed-income investments held by a Fund when due;


· credit spread risk—The risk that credit spreads (i.e., the difference in yield between securities that is due to differences in each security’s respective credit quality) may increase when market participants believe that bonds generally have a greater risk of default, which could result in a decline in the market values of a Fund’s debt securities;


· income volatility risk—The risk that the level of current income from a Fund’s portfolio of fixed-income securities may decline due to rapid and unpredictable changes in prevailing market interest rates; and


· call risk—The risk that, during periods of falling interest rates, an issuer may call (or repay) a fixed-income security prior to maturity, resulting in a decline in a Fund’s income.


· Active Management Risk—The risk that the strategy, investment selection or trading execution of Advisors could cause the Fund or an Underlying Fund to underperform its benchmark index or mutual funds with similar investment objectives.


· Fund of Funds Risk—The ability of the Fund to achieve its investment objective will depend in part upon the ability of the Underlying Funds to achieve their investment objectives. There can be no guarantee that any Underlying Fund will achieve its investment objective.


There can be no assurances that the Fund will achieve its investment objective. You should not consider the Fund to be a complete investment program. Please see the non-summary portion of the Prospectus for more detailed information about the risks described above, including the risks of the Underlying Funds.

Past performance

The following chart and table help illustrate some of the risks of investing in the Fund by showing changes in the Fund’s performance from year to year. The bar chart shows the annual total returns of the Institutional Class of the Fund, before taxes, in each full calendar year since inception of the Institutional Class. Because the expenses vary across share classes, the performance of the Institutional Class may vary from the other share classes. Below the bar chart are the best and worst returns of the Institutional Class for a calendar quarter during the full calendar-year periods covered by the bar chart. The performance table following the bar chart shows the Fund’s average annual total returns for the Institutional, Advisor, Premier, Retirement and Retail classes over the applicable one-year, five-year, ten-year and since-inception periods ended December 31, 2018, and how those returns compare to those of a broad-based securities market index and a composite index based on the Fund’s target allocations. After-tax performance is shown only for the Institutional Class shares, and after-tax returns for the other classes of shares will vary from the after-tax returns presented for Institutional Class shares.


The returns shown below reflect previous agreements by Advisors to waive or reimburse the Fund and certain Underlying Funds for certain fees and expenses. Without these waivers and reimbursements, the returns of the Fund would have been lower. Past performance of the Fund (before and after taxes) is not necessarily an indication of how it will perform in the future. The indices listed below are unmanaged, and you cannot invest directly in an index. The returns for the indices reflect no deduction for fees, expenses or taxes.


For current performance information of each share class, including performance to the most recent month-end, please visit www.tiaa.org.

ANNUAL TOTAL RETURNS FOR THE INSTITUTIONAL CLASS SHARES (%)† Lifestyle Moderate Fund
Bar Chart

 The year-to-date return as of the most recent calendar quarter, which ended on June 30, 2019, was 13.34%.

Best quarter: 9.36%, for the quarter ended March 31, 2012. Worst quarter: -9.55%, for the quarter ended December 31, 2018.

AVERAGE ANNUAL TOTAL RETURNS For the Periods Ended December 31, 2018
Average Annual Returns - TIAA-CREF Lifestyle Moderate Fund
1 Year
5 Years
Since Inception
Inception Date
Institutional Class (6.95%) 4.12% 7.28% Dec. 09, 2011
Advisor Class (7.00%) 4.08% [1] 7.25% [1] Dec. 04, 2015
Premier Class (7.12%) 3.99% 7.13% Dec. 09, 2011
Retirement Class (7.19%) 3.87% 7.02% Dec. 09, 2011
Retail Class (7.28%) 3.83% 6.97% Dec. 09, 2011
After Taxes on Distributions | Institutional Class (8.19%) 2.79% 6.01%  
After Taxes on Distributions and Sale of Fund Shares | Institutional Class (3.58%) 2.83% 5.40%  
Morningstar Moderate Target Risk Index (reflects no deductions for fees, expenses or taxes) (4.76%) 4.08% 6.57% [2]  
Lifestyle Moderate Fund Composite Index (reflects no deductions for fees, expenses or taxes) [3] (4.69%) 4.61% 7.01% [2]  
[1] The performance shown for the Advisor Class that is prior to its inception date is based on performance of the Fund's Institutional Class. The performance for these periods has not been restated to reflect higher expenses of the Advisor Class. If those expenses had been reflected, the performance would have been lower.
[2] Performance is calculated from the inception date of the Institutional Class.
[3] As of the close of business on December 31, 2018, the Lifestyle Moderate Fund Composite Index consisted of: 42.0% Russell 3000® Index; 40.0% Bloomberg Barclays U.S. Aggregate Bond Index; and 18.0% MSCI All Country World Index ex USA Investable Market Index. The Fund's composite benchmark, the components that make up a composite benchmark and the method of calculating a composite benchmark's performance may vary over time.

Current performance of the Fund’s shares may be higher or lower than that shown above.


After-tax returns are calculated using the historical highest individual federal marginal income tax rates in effect during the periods shown and do not reflect the impact of state and local taxes. Actual after-tax returns depend on the investor’s tax situation and may differ from those shown. The after-tax returns shown are not relevant to investors who hold their Fund shares through tax-deferred arrangements such as 401(a), 401(k) or 403(b) plans or Individual Retirement Accounts (IRAs). After-tax returns are shown for only one class, and after-tax returns for other classes will vary.

XML 88 R170.htm IDEA: XBRL DOCUMENT v3.19.3
TIAA-CREF Lifestyle Income Fund
TIAA-CREF Lifestyle Income Fund
Investment objective

The Fund seeks current income with some capital appreciation.

Fees and expenses

This table describes the fees and expenses that you may pay if you buy and hold shares of the Fund. In addition to the fees and expenses described below, investors may be required to pay a commission to a broker-dealer or other financial intermediary on purchases and sales of Institutional Class or Advisor Class shares of the Fund.

SHAREHOLDER FEES (fees paid directly from your investment)
Shareholder Fees - TIAA-CREF Lifestyle Income Fund - USD ($)
Institutional Class
Advisor Class
Premier Class
Retirement Class
Retail Class
Maximum sales charge imposed on purchases (percentage of offering price) none none none none none
Maximum deferred sales charge none none none none none
Maximum sales charge imposed on reinvested dividends and other distributions none none none none none
Redemption or exchange fee none none none none none
Account maintenance fee (annual fee on accounts under $2,000) none none none none $ 15.00
ANNUAL FUND OPERATING EXPENSES (expenses that you pay each year as a percentage of the value of your investment)
Annual Fund Operating Expenses - TIAA-CREF Lifestyle Income Fund
Institutional Class
Advisor Class
Premier Class
Retirement Class
Retail Class
Management fees 0.10% 0.10% 0.10% 0.10% 0.10%
Distribution (Rule 12b-1) fees     0.15%   0.25%
Other expenses 0.26% 0.33% [1] 0.26% 0.50% 0.28%
Acquired Fund fees and expenses [2] 0.32% 0.32% 0.32% 0.32% 0.32%
Total annual Fund operating expenses 0.68% 0.75% 0.83% 0.92% 0.95%
Waivers and expense reimbursements [3] (0.26%) (0.25%) (0.26%) (0.25%) (0.25%)
Total annual Fund operating expenses after fee waiver and/or expense reimbursement 0.42% 0.50% 0.57% 0.67% 0.70%
[1] Restated to reflect estimate for the current fiscal year.
[2] "Acquired Fund fees and expenses" are the Fund's proportionate amount of the expenses of any investment companies or pools in which it invests. These expenses are not paid directly by Fund shareholders. Instead, Fund shareholders bear these expenses indirectly because they reduce Fund performance. Because "Acquired Fund fees and expenses" are included in the chart above, the Fund's operating expenses here will not correlate with the expenses included in the Financial highlights in this Prospectus and the Fund's annual report.
[3] Under the Fund's expense reimbursement arrangements, the Fund's investment adviser, Teachers Advisors, LLC ("Advisors"), has contractually agreed to reimburse the Fund for any Total annual Fund operating expenses (excluding interest, taxes, brokerage commissions or other transactional expenses, Acquired Fund fees and expenses and extraordinary expenses) that exceed: (i) 0.10% of average daily net assets for Institutional Class shares; (ii) 0.25% of average daily net assets for Advisor Class shares; (iii) 0.25% of average daily net assets for Premier Class shares; (iv) 0.35% of average daily net assets for Retirement Class shares; and (v) 0.49% of average daily net assets for Retail Class shares of the Fund. These expense reimbursement arrangements will continue through at least September 30, 2020, unless changed with approval of the Board of Trustees.
Example

This example is intended to help you compare the cost of investing in shares of the Fund with the cost of investing in other mutual funds. The example assumes that you invest $10,000 in the Fund for the time periods indicated and then redeem all your shares at the end of those periods. The example also assumes that your investment has a 5% return each year and that the Fund’s operating expenses, before fee waivers and/or expense reimbursements, remain the same. The example assumes that the Fund’s fee waiver and/or expense reimbursement arrangements will each remain in place for the duration noted in the table above. Although your actual costs may be higher or lower, based on these assumptions your costs would be:

Expense Example - TIAA-CREF Lifestyle Income Fund - USD ($)
Institutional Class
Advisor Class
Premier Class
Retirement Class
Retail Class
1 year $ 43 $ 51 $ 58 $ 68 $ 72
3 years 191 215 239 268 278
5 years 353 392 435 485 501
10 years $ 822 $ 907 $ 1,001 $ 1,108 $ 1,144
Portfolio turnover

The Fund pays transaction costs, such as commissions, when it buys and sells securities (or “turns over” its portfolio). A higher portfolio turnover rate may indicate higher transaction costs and may result in higher taxes when Fund shares are held in a taxable account. These costs, which are not reflected in annual fund operating expenses or in the example, affect the Fund’s performance. During the fiscal year ended May 31, 2019, the Fund’s portfolio turnover rate was 29% of the average value of its portfolio.

Principal investment strategies

The Fund is a “fund of funds” that invests in Institutional Class shares of other funds of the Trust and potentially in other investment pools or investment products, including other funds advised by the Fund’s investment adviser, Teachers Advisors, LLC (“Advisors”), or its affiliates (collectively, the “Underlying Funds”). The Fund is designed for investors seeking current income with some capital appreciation through a relatively stable asset allocation strategy targeting an income-oriented and conservative risk-return profile. Advisors generally seeks to meet the Fund’s investment objective by investing: (1) approximately 20% of the Fund’s assets in equity Underlying Funds and (2) approximately 80% of the Fund’s assets in fixed-income Underlying Funds. The Fund may deviate from these target allocations by up to ten percentage points depending upon current market conditions and outlook.


The Underlying Funds’ allocation targets generally represent targets for investments in equity and fixed-income asset classes. Within the equity and fixed-income asset classes, Advisors allocates the Fund’s investments to particular market sectors (which may include U.S. equity, international equity, fixed-income and short-term fixed-income) represented by various Underlying Funds. To maintain an appropriate allocation among the Underlying Funds, the portfolio managers monitor the domestic and foreign equity markets, as well as overall financial and economic conditions. The Fund may sometimes be more heavily weighted toward equities or fixed-income than the target allocations, if the portfolio managers believe market conditions warrant. For example, the Fund may increase its holdings in fixed-income Underlying Funds in periods when the portfolio managers believe the equity markets will decline. The market sector allocations and Underlying Fund allocations may also be changed over time by the portfolio managers, including the addition and removal of market sectors and Underlying Funds in which the Fund invests in light of the Fund’s desired level of risk and potential return at a particular time as evaluated by the portfolio managers based on a mix of qualitative and quantitative factors. The portfolio managers may also opportunistically purchase other Funds or other investment pools or investment products, based on the portfolio managers’ evaluation of the market sectors and/or Underlying Funds without prior notice to shareholders. If 10% or more of the Fund’s assets are expected to be invested in any Underlying Fund, market sector or asset class not listed in the chart below, shareholders will receive prior notice of such change.


As a result of its investments in the Underlying Funds, the Fund’s returns will reflect investments in a mix of domestic and foreign equities of companies of various sizes and a variety of domestic and foreign fixed-income instruments of private and governmental issuers of varying maturities and credit qualities.


As part of the Fund’s ability to invest in unaffiliated investment products or pools noted above, the Fund may invest in exchange-traded funds (“ETFs”) and exchange-traded notes (“ETNs”) to gain exposure to various market sectors or securities in order to effect its asset allocation strategy. Additionally, the Fund may use ETFs and ETNs for cash management, hedging or defensive purposes. ETFs and ETNs will be subject to the risks associated with the types of securities or sectors that they track, while ETNs, which are structured as fixed-income obligations, will also be subject to the general risks of fixed-income securities, including credit risk.


The Fund’s asset class allocations, market sector allocations within each asset class, and Underlying Fund allocations within each market sector as of June 30, 2019, are listed in the chart below. These allocations may change over time. Underlying Fund allocations in particular may change from year to year.


        

Asset Class

Allocation

  

Market Sector

Allocation

 

Underlying Funds

Allocation

Equity

20.46%

 

U.S. Equity

15.33%

 

Ÿ Large-Cap Growth Fund

3.63%

      

Ÿ Large-Cap Value Fund

3.52%

      

Ÿ Quant Large-Cap Growth Fund

3.32%

      

Ÿ Growth & Income Fund

3.21%

      

Ÿ Quant Small-Cap Equity Fund

0.72%

      

Ÿ Quant Small/Mid-Cap Equity Fund

0.62%

      

Ÿ Quant Large-Cap Value Fund

0.31%

   

International Equity

5.13%

 

Ÿ International Equity Fund

1.59%

      

Ÿ International Opportunities Fund

1.32%

      

Ÿ Emerging Markets Equity Fund

1.05%

      

Ÿ Quant International Small-Cap Equity Fund

0.82%

      

Ÿ Quant International Equity Fund

0.35%

Fixed-Income

79.54%

 

Fixed-Income

38.85%

 

Ÿ Bond Plus Fund

19.93%

      

Ÿ Bond Fund

18.92%

   

Short-Term
Fixed-Income

40.69%

 

Ÿ Short-Term Bond Fund

40.69%


        

Total

100.00%

  

100.00%

  

100.00%

Principal investment risks

You could lose money over short or long periods by investing in this Fund. An investment in the Fund, due to the nature of the Fund’s portfolio holdings, typically is subject to the following principal investment risks:


· Asset Allocation Risk—The risk that the Fund may not achieve its target allocations. In addition, there is the risk that the asset allocations may not achieve the desired risk-return characteristic or that the selection of Underlying Funds and the allocations among them will result in the Fund underperforming other similar funds or cause an investor to lose money.


· Underlying Funds Risks—The Fund is exposed to the risks of the Underlying Funds in which it invests in direct proportion to the amount of assets the Fund allocates to each Underlying Fund. Because the Fund targets its investments in a higher percentage of fixed-income Underlying Funds, Fixed-Income Underlying Funds Risks are expected to predominate.


· Fixed-Income Underlying Funds Risks—The risks of investing in fixed-income Underlying Funds include risks specific to their investment strategies, as well as risks related to the fixed-income markets in general, such as:


· interest rate risk—The risk that the value or yield of fixed-income investments may decline if interest rates change, which could adversely affect a Fund’s income or the value of its holdings;


· extension risk—The risk that during periods of rising interest rates, borrowers may pay off their mortgage loans later than expected, preventing a Fund from reinvesting principal proceeds at higher interest rates and resulting in less income than potentially available;


· issuer risk—The risk that an issuer’s earnings prospects and overall financial position will deteriorate, causing a decline in the value of the issuer’s financial instruments over short or extended periods of time;


· credit risk—The risk that a decline in an issuer’s financial position may prevent it from making principal and interest payments on fixed-income investments held by a Fund when due;


· credit spread risk—The risk that credit spreads (i.e., the difference in yield between securities that is due to differences in each security’s respective credit quality) may increase when market participants believe that bonds generally have a greater risk of default, which could result in a decline in the market values of a Fund’s debt securities;


· income volatility risk—The risk that the level of current income from a Fund’s portfolio of fixed-income securities may decline due to rapid and unpredictable changes in prevailing market interest rates; and


· call risk—The risk that, during periods of falling interest rates, an issuer may call (or repay) a fixed-income security prior to maturity, resulting in a decline in a Fund’s income.


· Equity Underlying Funds Risks—The risks of investing in equity Underlying Funds include risks specific to their investment strategies, as well as risks related to the equity markets in general, such as:


· market risk—The risk that the price of equity investments may decline in response to general market and economic conditions or events, including conditions and developments outside of the financial markets;


· issuer risk—The risk that an issuer’s earnings prospects and overall financial position will deteriorate, causing a decline in the value of the issuer’s financial instruments over short or extended periods of time; and


· foreign investment risk—The increased risks of adverse issuer, political, regulatory, currency, market or economic developments compared to investments in U.S. issuers, which can result in greater market and price volatility.


· Active Management Risk—The risk that the strategy, investment selection or trading execution of Advisors could cause the Fund or an Underlying Fund to underperform its benchmark index or mutual funds with similar investment objectives.


· Fund of Funds Risk—The ability of the Fund to achieve its investment objective will depend in part upon the ability of the Underlying Funds to achieve their investment objectives. There can be no guarantee that any Underlying Fund will achieve its investment objective.


There can be no assurances that the Fund will achieve its investment objective. You should not consider the Fund to be a complete investment program. Please see the non-summary portion of the Prospectus for more detailed information about the risks described above, including the risks of the Underlying Funds.

Past performance

The following chart and table help illustrate some of the risks of investing in the Fund by showing changes in the Fund’s performance from year to year. The bar chart shows the annual total returns of the Institutional Class of the Fund, before taxes, in each full calendar year since inception of the Institutional Class. Because the expenses vary across share classes, the performance of the Institutional Class may vary from the other share classes. Below the bar chart are the best and worst returns of the Institutional Class for a calendar quarter during the full calendar-year periods covered by the bar chart. The performance table following the bar chart shows the Fund’s average annual total returns for the Institutional, Advisor, Premier, Retirement and Retail classes over the applicable one-year, five-year, ten-year and since-inception periods ended December 31, 2018, and how those returns compare to those of a broad-based securities market index and a composite index based on the Fund’s target allocations. After-tax performance is shown only for the Institutional Class shares, and after-tax returns for the other classes of shares will vary from the after-tax returns presented for Institutional Class shares.


The returns shown below reflect previous agreements by Advisors to waive or reimburse the Fund and certain Underlying Funds for certain fees and expenses. Without these waivers and reimbursements, the returns of the Fund would have been lower. Past performance of the Fund (before and after taxes) is not necessarily an indication of how it will perform in the future. The indices listed below are unmanaged, and you cannot invest directly in an index. The returns for the indices reflect no deduction for fees, expenses or taxes.


For current performance information of each share class, including performance to the most recent month-end, please visit www.tiaa.org.

ANNUAL TOTAL RETURNS FOR THE INSTITUTIONAL CLASS SHARES (%)† Lifestyle Income Fund
Bar Chart

 The year-to-date return as of the most recent calendar quarter, which ended on June 30, 2019, was 7.44%.

Best quarter: 3.94%, for the quarter ended March 31, 2012. Worst quarter: -2.77%, for the quarter ended December 31, 2018.

AVERAGE ANNUAL TOTAL RETURNS For the Periods Ended December 31, 2018
Average Annual Returns - TIAA-CREF Lifestyle Income Fund
1 Year
5 Years
Since Inception
Inception Date
Institutional Class (2.04%) 2.74% 3.87% Dec. 09, 2011
Advisor Class (2.04%) 2.72% [1] 3.86% [1] Dec. 04, 2015
Premier Class (2.26%) 2.57% 3.71% Dec. 09, 2011
Retirement Class (2.27%) 2.48% 3.61% Dec. 09, 2011
Retail Class (2.30%) 2.44% 3.58% Dec. 09, 2011
After Taxes on Distributions | Institutional Class (3.22%) 1.58% 2.74%  
After Taxes on Distributions and Sale of Fund Shares | Institutional Class (0.97%) 1.69% 2.60%  
Morningstar Conservative Target Risk Index (reflects no deductions for fees, expenses or taxes) (1.20%) 2.54% 3.31% [2]  
Lifestyle Income Fund Composite Index (reflects no deductions for fees, expenses or taxes) [3] (0.87%) 2.66% 3.38% [2]  
[1] The performance shown for the Advisor Class that is prior to its inception date is based on performance of the Fund's Institutional Class. The performance for these periods has not been restated to reflect higher expenses of the Advisor Class. If those expenses had been reflected, the performance would have been lower.
[2] Performance is calculated from the inception date of the Institutional Class.
[3] As of the close of business on December 31, 2018, the Lifestyle Income Fund Composite Index consisted of: 40.0% Bloomberg Barclays U.S. Aggregate Bond Index; 40.0% Bloomberg Barclays U.S. 1-3 Year Government/Credit Bond Index; 14.0% Russell 3000® Index; and 6.0% MSCI All Country World Index ex USA Investable Market Index. The Fund's composite benchmark, the components that make up a composite benchmark and the method of calculating a composite benchmark's performance may vary over time.

Current performance of the Fund’s shares may be higher or lower than that shown above.


After-tax returns are calculated using the historical highest individual federal marginal income tax rates in effect during the periods shown and do not reflect the impact of state and local taxes. Actual after-tax returns depend on the investor’s tax situation and may differ from those shown. The after-tax returns shown are not relevant to investors who hold their Fund shares through tax-deferred arrangements such as 401(a), 401(k) or 403(b) plans or Individual Retirement Accounts (IRAs). After-tax returns are shown for only one class, and after-tax returns for other classes will vary.

XML 89 R2.htm IDEA: XBRL DOCUMENT v3.19.3
TIAA-CREF Lifecycle Retirement Income Fund
TIAA-CREF Lifecycle Retirement Income Fund
Investment objective

The Lifecycle Retirement Income Fund seeks high total return over time primarily through income,

with a secondary emphasis on capital appreciation.

Fees and expenses

This table describes the fees and expenses that you may pay if you buy and hold shares of the Fund. In addition to the fees and expenses described below, investors may be required to pay a commission to a broker-dealer or other financial intermediary on purchases and sales of Institutional Class or Advisor Class shares of the Fund.

SHAREHOLDER FEES (fees paid directly from your investment)
Shareholder Fees - TIAA-CREF Lifecycle Retirement Income Fund - USD ($)
Institutional Class
Advisor Class
Premier Class
Retirement Class
Retail Class
Maximum sales charge imposed on purchases (percentage of offering price) none none none none none
Maximum deferred sales charge none none none none none
Maximum sales charge imposed on reinvested dividends and other distributions none none none none none
Redemption or exchange fee none none none none none
Account maintenance fee (annual fee on accounts under $2,000) none none none none $ 15.00
ANNUAL FUND OPERATING EXPENSES (expenses that you pay each year as a percentage of the value of your investment)
Annual Fund Operating Expenses - TIAA-CREF Lifecycle Retirement Income Fund
Institutional Class
Advisor Class
Premier Class
Retirement Class
Retail Class
Management fees [1],[2] 0.42% 0.42% 0.42% 0.42% 0.42%
Distribution (Rule 12b-1) fees     0.15%   0.25%
Other expenses [1],[2] 0.08% 0.16% 0.08% 0.33% 0.11%
Acquired Fund fees and expenses [3] 0.03% 0.03% 0.03% 0.03% 0.03%
Total annual Fund operating expenses 0.53% 0.61% 0.68% 0.78% 0.81%
Waivers and expense reimbursements [4],[5] (0.16%) (0.16%) (0.16%) (0.16%) (0.19%)
Total annual Fund operating expenses after fee waiver and/or expense reimbursement 0.37% 0.45% 0.52% 0.62% 0.62%
[1] Portions of the Management fees and Other expenses are based on expenses originally incurred by Class W shares of the Underlying Funds (as defined below) of the Trust, which have been incurred directly by the Fund pursuant to certain contractual arrangements intended to reallocate directly to the Fund certain fees and expenses that had been paid by the Underlying Funds of the Trust. For additional information, please see the "Management of the Funds" section of this Prospectus.
[2] Restated to reflect estimates for the current fiscal year.
[3] "Acquired Fund fees and expenses" are the Fund's proportionate amount of the expenses of any investment companies or pools in which it invests (excluding expenses originally incurred by Class W of the Underlying Funds of the Trust that have been incurred directly by the Fund, which are instead reflected in Management fees and Other expenses). These expenses are not paid directly by Fund shareholders. Instead, Fund shareholders bear these expenses indirectly because they reduce Fund performance. Because "Acquired Fund fees and expenses" are included in the chart above, the Fund's operating expenses here will not correlate with the expenses included in the Financial highlights in this Prospectus and the Fund's annual report.
[4] Advisors has contractually agreed to waive 0.10% of the Fund's Management fee. This waiver will remain in effect through September 30, 2022, unless changed with the approval of the Board of Trustees.
[5] Under the Fund's expense reimbursement arrangements, the Fund's investment adviser, Teachers Advisors, LLC ("Advisors"), has contractually agreed to reimburse the Fund for any Total annual Fund operating expenses (excluding interest, taxes, brokerage commissions or other transactional expenses, Acquired Fund fees and expenses, extraordinary expenses and any expenses originally attributable to Class W shares of the Underlying Funds of the Trust that were incurred directly by the Fund) that exceed: (i) 0.00% of average daily net assets for Institutional Class shares; (ii) 0.15% of average daily net assets for Advisor Class shares; (iii) 0.15% of average daily net assets for Premier Class shares; (iv) 0.25% of average daily net assets for Retirement Class shares; and (v) 0.25% of average daily net assets for Retail Class shares of the Fund. These expense reimbursement arrangements will continue through at least September 30, 2020, unless changed with approval of the Board of Trustees.
Example

This example is intended to help you compare the cost of investing in shares of the Fund with the cost of investing in other mutual funds. The example assumes that you invest $10,000 in the Fund for the time periods indicated and then redeem all your shares at the end of those periods. The example also assumes that your investment has a 5% return each year and that the Fund’s operating expenses, before fee waivers and/or expense reimbursements, remain the same. The example assumes that the Fund’s fee waiver and/or expense reimbursement arrangements will each remain in place for the durations noted in the table above. Although your actual costs may be higher or lower, based on these assumptions your costs would be:

Expense Example - TIAA-CREF Lifecycle Retirement Income Fund - USD ($)
Institutional Class
Advisor Class
Premier Class
Retirement Class
Retail Class
1 year $ 38 $ 46 $ 53 $ 63 $ 63
3 years 132 158 180 212 218
5 years 259 303 341 396 410
10 years $ 629 $ 726 $ 811 $ 931 $ 964
Portfolio turnover

The Fund pays transaction costs, such as commissions, when it buys and sells securities (or “turns over” its portfolio). A higher portfolio turnover rate may indicate higher transaction costs and may result in higher taxes when Fund shares are held in a taxable account. These costs, which are not reflected in annual fund operating expenses or in the example, affect the Fund’s performance. During the fiscal year ended May 31, 2019, the Fund’s portfolio turnover rate was 25% of the average value of its portfolio.

Principal investment strategies

The Fund is a “fund of funds” that invests in Class W shares of other funds of the Trust and in other investment pools or investment products, potentially including other funds advised by the Fund’s investment adviser, Teachers Advisors, LLC (“Advisors”), or its affiliates (collectively, the “Underlying Funds”). The Fund invests in Underlying Funds according to a relatively stable asset allocation strategy that will not gradually adjust over time and is designed for investors who are already in retirement (i.e., have already passed their retirement year) and may have begun taking systematic withdrawals upon retirement.


Advisors currently expects to allocate approximately 35.00% of the Fund’s assets to equity Underlying Funds, 60.00% of its assets to fixed-income Underlying Funds and 5.00% of its assets to direct real estate Underlying Funds. These allocations represent targets for equity, fixed-income and direct real estate asset classes. Target allocations may be changed and actual allocations may vary up to ten percentage points from the targets. Within the equity, fixed-income and direct real estate asset classes, Advisors allocates the Fund’s investments to particular market sectors (U.S. equity, international equity, fixed-income, short-term fixed-income, inflation-protected assets and direct real estate) represented by various Underlying Funds. These market sector allocations may vary by up to 10% from the Fund’s target market sector allocations. The Fund’s current target market sector allocations for June 30, 2020 which may change, are approximately as follows: U.S. Equity: 24.50%; International Equity: 10.50%; Fixed-Income: 40.00%; Short-Term Fixed-Income: 10.00%; Inflation-Protected Assets: 10.00%; and Direct Real Estate: 5.00%. The asset class and market sector names used herein are intended to reflect the primary type of investment of the Underlying Funds within each of these categories.


The Fund’s target market sector allocations to Underlying Funds may include the TIAA-CREF Growth & Income Fund, Large-Cap Growth Fund, Large-Cap Value Fund, Quant Large-Cap Growth Fund, Quant Large-Cap Value Fund, Quant Small-Cap Equity Fund and Quant Small/Mid-Cap Equity Fund (U.S. Equity); Emerging Markets Equity Fund, International Equity Fund, International Opportunities Fund, Quant International Equity Fund and Quant International Small-Cap Equity Fund (International Equity); Bond Fund, Bond Plus Fund, Emerging Markets Debt Fund, High-Yield Fund and International Bond Fund (Fixed-Income); Money Market Fund and Short-Term Bond Fund (Short-Term Fixed-Income); Inflation-Linked Bond Fund (Inflation-Protected Assets); and Real Property Fund LP (Direct Real Estate). TIAA-CREF Real Property Fund LP is a private fund, which is not available for investment by the general public; it is currently offered exclusively to investment pools or investment products managed by Advisors or its affiliates.


Additional or replacement Underlying Funds for each market sector, as well as additional or replacement market sectors, may be included when making future allocations if Advisors believes that such Underlying Funds and/or market sectors are appropriate in light of the Fund’s desired levels of risk and potential return at the particular time. The Fund’s portfolio management team may also add a new market sector if it believes that will help to achieve the Fund’s investment objective. The relative allocations among Underlying Funds within a market sector may be changed at any time without notice to shareholders, and the portfolio management team may use tactical allocation to take advantage of short to intermediate term opportunities through a combination of positions in Underlying Funds. If 10% or more of the Fund’s assets are expected to be invested in any Underlying Fund or market sector not listed above, shareholders will receive prior notice of such change. Investors should note that the Fund has a significant level of equity exposure and this exposure could cause fluctuation in the value of the Fund depending on the performance of the equity markets generally.


The Fund’s asset class allocations, market sector allocations within each asset class, and Underlying Fund allocations within each market sector, as of June 30, 2019, are listed in the chart below. The Fund has relatively fixed asset allocations that will not gradually adjust over time. Underlying Fund allocations may change from year to year.


        

Asset Class

Allocation

  

Market Sector

Allocation

 

Underlying Funds

Allocation

Equity

36.02%

 

U.S. Equity

25.26%

 

Ÿ Growth & Income Fund

5.30%

      

Ÿ Large-Cap Growth Fund

4.78%

      

Ÿ Large-Cap Value Fund

4.63%

      

Ÿ Quant Large-Cap Growth Fund

4.18%

      

Ÿ Quant Large-Cap Value Fund

4.06%

      

Ÿ Quant Small-Cap Equity Fund

1.29%

      

Ÿ Quant Small/Mid-Cap Equity Fund

1.02%

   

International Equity

10.76%

 

Ÿ Quant International Equity Fund

2.81%

      

Ÿ International Equity Fund

2.34%

      

Ÿ International Opportunities Fund

2.34%

      

Ÿ Emerging Markets Equity Fund

1.84%

      

Ÿ Quant International Small-Cap Equity Fund

1.43%

Fixed-Income

59.35%

 

Fixed-Income

38.61%

 

Ÿ Bond Fund

19.80%

      

Ÿ Bond Plus Fund

12.88%

      

Ÿ Emerging Markets Debt Fund

2.13%

      

Ÿ International Bond Fund

2.07%

      

Ÿ High-Yield Fund

1.73%

   

Short-Term
Fixed-Income

10.85%

 

Ÿ Short-Term Bond Fund

10.85%

   

Inflation-
Protected Assets

9.89%

 

Ÿ Inflation-Linked Bond Fund

9.89%

Real Estate

4.63%

 

Direct Real Estate

4.63%

 

Ÿ TIAA-CREF Real Property Fund LP

4.63%


        

Total

100.00%

  

100.00%

  

100.00%

Principal investment risks

You could lose money over short or long periods by investing in this Fund. An investment in the Fund, due to the nature of the Fund’s portfolio holdings, typically is subject to the following principal investment risks:


· Asset Allocation Risk—The risk that the Fund may not achieve its target allocations. In addition, there is the risk that the asset allocations may not achieve the desired risk-return characteristic or that the selection of Underlying Funds and the allocations among them will result in the Fund underperforming other similar funds or cause an investor to lose money.


· Underlying Funds Risks—The Fund is exposed to the risks of the Underlying Funds in which it invests in direct proportion to the amount of assets the Fund allocates to each Underlying Fund.


· Equity Underlying Funds Risks—The risks of investing in equity Underlying Funds include risks specific to their investment strategies, as well as risks related to the equity markets in general, such as:


· market risk—The risk that the price of equity investments may decline in response to general market and economic conditions or events, including conditions and developments outside of the financial markets;


· issuer risk—The risk that an issuer’s earnings prospects and overall financial position will deteriorate, causing a decline in the value of the issuer’s financial instruments over short or extended periods of time; and


· foreign investment risk—The increased risks of adverse issuer, political, regulatory, currency, market or economic developments compared to investments in U.S. issuers, which can result in greater market and price volatility.


· Fixed-Income Underlying Funds Risks—The risks of investing in fixed-income Underlying Funds include risks specific to their investment strategies, as well as risks related to the fixed-income markets in general, such as:


· interest rate risk—The risk that the value or yield of fixed-income investments may decline if interest rates change, which could adversely affect a Fund’s income or the value of its holdings;


· extension risk—The risk that during periods of rising interest rates, borrowers may pay off their mortgage loans later than expected, preventing a Fund from reinvesting principal proceeds at higher interest rates and resulting in less income than potentially available;


· issuer risk—The risk that an issuer’s earnings prospects and overall financial position will deteriorate, causing a decline in the value of the issuer’s financial instruments over short or extended periods of time;


· credit risk—The risk that a decline in an issuer’s financial position may prevent it from making principal and interest payments on fixed-income investments held by a Fund when due;


· credit spread risk—The risk that credit spreads (i.e., the difference in yield between securities that is due to differences in each security’s respective credit quality) may increase when market participants believe that bonds generally have a greater risk of default, which could result in a decline in the market values of a Fund’s debt securities;


· income volatility risk—The risk that the level of current income from a Fund’s portfolio of fixed-income securities may decline due to rapid and unpredictable changes in prevailing market interest rates; and


· call risk—The risk that, during periods of falling interest rates, an issuer may call (or repay) a fixed-income security prior to maturity, resulting in a decline in a Fund’s income.


· Direct Real Estate Underlying Funds Risks—The risks of investing in direct real estate Underlying Funds include risks specific to their investment strategies, as well as risks related to investing in real estate in general, such as:


· real estate-related investment risk—The risks associated with exposure to direct real estate through investing in investment vehicles managed by Advisors that will primarily invest directly in real estate, which can include declines in real estate values or revenues, uninsured losses at properties, the absence of regulatory oversight of and a secondary market for interests in direct real estate Underlying Funds, a scarcity of interests issued by direct real estate Underlying Funds, making it difficult for the Fund to achieve its target allocation, and illiquidity of interests in direct real estate Underlying Funds.


· Active Management Risk—The risk that the strategy, investment selection or trading execution of Advisors could cause the Fund or an Underlying Fund to underperform its benchmark index or mutual funds with similar investment objectives.


· Fund of Funds Risk—The ability of the Fund to achieve its investment objective will depend in part upon the ability of the Underlying Funds to achieve their investment objectives. There can be no guarantee that any Underlying Fund will achieve its investment objective.


There can be no assurances that the Fund will achieve its investment objective. You should not consider the Fund to be a complete investment program. Please see the non-summary portion of the Prospectus for more detailed information about the risks described above, including the risks of the Underlying Funds.

Past performance

The following chart and table help illustrate some of the risks of investing in the Fund by showing changes in the Fund’s performance from year to year. The bar chart shows the annual total returns of the Retirement Class of the Fund, before taxes, in each full calendar year for the last ten years. Because the expenses vary across share classes, the performance of the Retirement Class may vary from the other share classes. Below the bar chart are the best and worst returns of the Retirement Class for a calendar quarter during the full calendar-year periods covered by the bar chart. The performance table following the bar chart shows the Fund’s average annual total returns for the Retirement, Institutional, Advisor, Premier and Retail classes over the applicable one-year, five-year, ten-year and since-inception periods ended December 31, 2018, and how those returns compare to those of a broad-based securities market index and a composite index that represents the market sectors in which the Fund invests across the equity and fixed-income asset classes. After-tax performance is shown only for the Retirement Class shares, and after-tax returns for the other classes of shares will vary from the after-tax returns presented for Retirement Class shares.


The returns shown below reflect previous agreements by Advisors to waive or reimburse the Fund and certain Underlying Funds for certain fees and expenses. Without these waivers and reimbursements, the returns of the Fund would have been lower. Past performance of the Fund (before and after taxes) is not necessarily an indication of how it will perform in the future. The indices listed below are unmanaged, and you cannot invest directly in an index. The returns for the indices reflect no deduction for fees, expenses or taxes.


For current performance information of each share class, including performance to the most recent month-end, please visit www.tiaa.org.

ANNUAL TOTAL RETURNS FOR THE RETIREMENT CLASS SHARES (%)† Lifecycle Retirement Income Fund
Bar Chart

 The year-to-date return as of the most recent calendar quarter, which ended on June 30, 2019, was 9.91%.

Best quarter: 8.88%, for the quarter ended September 30, 2009. Worst quarter: -6.10%, for the quarter ended September 30, 2011.

AVERAGE ANNUAL TOTAL RETURNS For the Periods Ended December 31, 2018
Average Annual Returns - TIAA-CREF Lifecycle Retirement Income Fund
1 Year
5 Years
10 Years
Inception Date
Retirement Class (4.01%) 3.41% 6.60% Nov. 30, 2007
Institutional Class (3.84%) 3.67% 6.86% Nov. 30, 2007
Advisor Class (3.80%) 3.56% [1] 6.68% [1] Dec. 04, 2015
Premier Class (3.90%) 3.52% 6.70% [1] Sep. 30, 2009
Retail Class (4.00%) 3.40% 6.63% Nov. 30, 2007
After Taxes on Distributions | Retirement Class (5.55%) 2.07% 5.45%  
After Taxes on Distributions and Sale of Fund Shares | Retirement Class (1.77%) 2.25% 4.93%  
S&P Target Date Retirement Income Index (2.54%) 3.06% 5.31%  
Lifecycle Retirement Income Fund Composite Index (reflects no deductions for fees, expenses or taxes) [2] (2.94%) 3.71% 6.55%  
[1] The performance shown for the Advisor and Premier classes that is prior to their inception dates is based on performance of the Fund's Retirement Class. The performance for these periods has not been restated to reflect the lower expenses of the Advisor and Premier classes.
[2] As of the close of business on December 31, 2018, the Lifecycle Retirement Income Fund Composite Index consisted of: 40.0% Bloomberg Barclays U.S. Aggregate Bond Index; 28.0% Russell 3000® Index; 12.0% MSCI All Country World Index ex USA Investable Market Index; 10.0% Bloomberg Barclays U.S. 1-3 Year Government/Credit Bond Index; and 10.0% Bloomberg Barclays U.S. Treasury Inflation Protected Securities (TIPS) 1-10 Year Index. The Fund's composite benchmark, the components that make up a composite benchmark and the method of calculating a composite benchmark's performance may vary over time.

Current performance of the Fund’s shares may be higher or lower than that shown above.


After-tax returns are calculated using the historical highest individual federal marginal income tax rates in effect during the periods shown and do not reflect the impact of state and local taxes. Actual after-tax returns depend on the investor’s tax situation and may differ from those shown. The after-tax returns shown are not relevant to investors who hold their Fund shares through tax-deferred arrangements such as 401(a), 401(k) or 403(b) plans or Individual Retirement Accounts (IRAs). After-tax returns are shown for only one class, and after-tax returns for other classes will vary.

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TIAA-CREF Lifecycle 2020 Fund
TIAA-CREF Lifecycle 2020 Fund
Investment objective

The Lifecycle 2020 Fund seeks high total return over time through a combination of capital appreciation and income.

Fees and expenses

This table describes the fees and expenses that you may pay if you buy and hold shares of the Fund. In addition to the fees and expenses described below, investors may be required to pay a commission to a broker-dealer or other financial intermediary on purchases and sales of Institutional Class or Advisor Class shares of the Fund.

SHAREHOLDER FEES (fees paid directly from your investment)
Shareholder Fees - TIAA-CREF Lifecycle 2020 Fund
Institutional Class
Advisor Class
Premier Class
Retirement Class
Maximum sales charge imposed on purchases (percentage of offering price) none none none none
Maximum deferred sales charge none none none none
Maximum sales charge imposed on reinvested dividends and other distributions none none none none
Redemption or exchange fee none none none none
Maximum account fee none none none none
ANNUAL FUND OPERATING EXPENSES (expenses that you pay each year as a percentage of the value of your investment)
Annual Fund Operating Expenses - TIAA-CREF Lifecycle 2020 Fund
Institutional Class
Advisor Class
Premier Class
Retirement Class
Management fees [1],[2] 0.44% 0.44% 0.44% 0.44%
Distribution (Rule 12b-1) fees     0.15%  
Other expenses [1],[2] 0.04% 0.12% 0.04% 0.29%
Acquired Fund fees and expenses [3] 0.03% 0.03% 0.03% 0.03%
Total annual Fund operating expenses 0.51% 0.59% 0.66% 0.76%
Waivers and expense reimbursements [4],[5] (0.12%) (0.12%) (0.12%) (0.12%)
Total annual Fund operating expenses after fee waiver and/or expense reimbursement 0.39% 0.47% 0.54% 0.64%
[1] Portions of the Management fees and Other expenses are based on expenses originally incurred by Class W shares of the Underlying Funds (as defined below) of the Trust, which have been incurred directly by the Fund pursuant to certain contractual arrangements intended to reallocate directly to the Fund certain fees and expenses that had been paid by the Underlying Funds of the Trust. For additional information, please see the "Management of the Funds" section of this Prospectus.
[2] Restated to reflect estimates for the current fiscal year.
[3] "Acquired Fund fees and expenses" are the Fund's proportionate amount of the expenses of any investment companies or pools in which it invests (excluding expenses originally incurred by Class W of the Underlying Funds of the Trust that have been incurred directly by the Fund, which are instead reflected in Management fees and Other expenses). These expenses are not paid directly by Fund shareholders. Instead, Fund shareholders bear these expenses indirectly because they reduce Fund performance. Because "Acquired Fund fees and expenses" are included in the chart above, the Fund's operating expenses here will not correlate with the expenses included in the Financial highlights in this Prospectus and the Fund's annual report.
[4] Advisors has contractually agreed to waive 0.10% of the Fund's Management fee. This waiver will remain in effect through September 30, 2022, unless changed with the approval of the Board of Trustees.
[5] Under the Fund's expense reimbursement arrangements, the Fund's investment adviser, Teachers Advisors, LLC ("Advisors"), has contractually agreed to reimburse the Fund for any Total annual Fund operating expenses (excluding interest, taxes, brokerage commissions or other transactional expenses, Acquired Fund fees and expenses, extraordinary expenses and any expenses originally attributable to Class W shares of the Underlying Funds of the Trust that were incurred directly by the Fund) that exceed: (i) 0.00% of average daily net assets for Institutional Class shares; (ii) 0.15% of average daily net assets for Advisor Class shares; (iii) 0.15% of average daily net assets for Premier Class shares; and (iv) 0.25% of average daily net assets for Retirement Class shares of the Fund. These expense reimbursement arrangements will continue through at least September 30, 2020, unless changed with approval of the Board of Trustees.
Example

This example is intended to help you compare the cost of investing in shares of the Fund with the cost of investing in other mutual funds. The example assumes that you invest $10,000 in the Fund for the time periods indicated and then redeem all your shares at the end of those periods. The example also assumes that your investment has a 5% return each year and that the Fund’s operating expenses, before fee waivers and/or expense reimbursements, remain the same. The example assumes that the Fund’s fee waiver and/or expense reimbursement arrangements will each remain in place for the durations noted in the table above. Although your actual costs may be higher or lower, based on these assumptions your costs would be:

Expense Example - TIAA-CREF Lifecycle 2020 Fund - USD ($)
Institutional Class
Advisor Class
Premier Class
Retirement Class
1 year $ 40 $ 48 $ 55 $ 65
3 years 130 155 177 209
5 years 252 296 334 389
10 years $ 608 $ 706 $ 791 $ 911
Portfolio turnover

The Fund pays transaction costs, such as commissions, when it buys and sells securities (or “turns over” its portfolio). A higher portfolio turnover rate may indicate higher transaction costs and may result in higher taxes when Fund shares are held in a taxable account. These costs, which are not reflected in annual fund operating expenses or in the example, affect the Fund’s performance. During the fiscal year ended May 31, 2019, the Fund’s portfolio turnover rate was 23% of the average value of its portfolio.

Principal investment strategies

The Fund is a “fund of funds” that invests in Class W shares of other funds of the Trust and in other investment pools or investment products, potentially including other funds advised by the Fund’s investment adviser, Teachers Advisors, LLC (“Advisors”), or its affiliates (collectively, the “Underlying Funds”). In general, the Fund is designed for investors who have an approximate target retirement year in mind, and the Fund’s investments are adjusted from more aggressive to more conservative over time as the Fund’s target retirement year approaches and for approximately 30 years afterwards. The Fund invests in Underlying Funds according to an asset allocation strategy designed for investors retiring in, or planning to retire within a few years of, 2020 and who may begin taking systematic withdrawals upon retirement.


Advisors currently expects to allocate approximately 45.00% of the Fund’s assets to equity Underlying Funds, 50.00% of its assets to fixed-income Underlying Funds and 5.00% of its assets to direct real estate Underlying Funds. These allocations represent targets for equity, fixed-income and direct real estate asset classes. Target allocations will change over time and actual allocations may vary up to ten percentage points from the targets. The target allocations along the investment glidepath, illustrated in the chart below, gradually become more conservative, moving to target allocations of approximately 45.00% equity/50.00% fixed-income/5.00% direct real estate in the Fund’s target retirement year of 2020 and reaching the Fund’s final target allocation of approximately 20.00% equity/80.00% fixed-income/0.00% direct real estate in 2050. Within the equity, fixed-income and direct real estate asset classes, Advisors allocates the Fund’s investments to particular market sectors (U.S. equity, international equity, fixed-income, short-term fixed-income, inflation-protected assets and direct real estate) represented by various Underlying Funds. These market sector allocations may vary by up to 10% from the Fund’s target market sector allocations. The Fund’s current target market sector allocations for June 30, 2020, which will change over time, are approximately as follows: U.S. Equity: 31.50%; International Equity: 13.50%; Fixed-Income: 38.00%; Short-Term Fixed-Income: 6.00%; Inflation-Protected Assets: 6.00%; and Direct Real Estate: 5.00%. The asset class and market sector names used herein are intended to reflect the primary type of investment of the Underlying Funds within each of these categories.


The Fund’s target market sector allocations to Underlying Funds may include the TIAA-CREF Growth & Income Fund, Large-Cap Growth Fund, Large-Cap Value Fund, Quant Large-Cap Growth Fund, Quant Large-Cap Value Fund, Quant Small-Cap Equity Fund and Quant Small/Mid-Cap Equity Fund (U.S. Equity); Emerging Markets Equity Fund, International Equity Fund, International Opportunities Fund, Quant International Equity Fund and Quant International Small-Cap Equity Fund (International Equity); Bond Fund, Bond Plus Fund, Emerging Markets Debt Fund, High-Yield Fund and International Bond Fund (Fixed-Income); Money Market Fund and Short-Term Bond Fund (Short-Term Fixed-Income); Inflation-Linked Bond Fund (Inflation-Protected Assets); and Real Property Fund LP (Direct Real Estate). TIAA-CREF Real Property Fund LP is a private fund, which is not available for investment by the general public; it is currently offered exclusively to investment pools or investment products managed by Advisors or its affiliates.


Additional or replacement Underlying Funds for each market sector, as well as additional or replacement market sectors, may be included when making future allocations if Advisors believes that such Underlying Funds and/or market sectors are appropriate in light of the Fund’s desired levels of risk and potential return at the particular time. The Fund’s portfolio management team may also add a new market sector if it believes that will help to achieve the Fund’s investment objective. The relative allocations among Underlying Funds within a market sector may be changed at any time without notice to shareholders, and the portfolio management team may use tactical allocation to take advantage of short to intermediate term opportunities through a combination of positions in Underlying Funds. If 10% or more of the Fund’s assets are expected to be invested in any Underlying Fund or market sector not listed above, shareholders will receive prior notice of such change.


The Fund’s asset class allocations, market sector allocations within each asset class, and Underlying Fund allocations within each market sector, as of June 30, 2019, are listed in the chart below. These allocations will change over time. Underlying Fund allocations in particular may change from year to year.


        

Asset Class

Allocation

  

Market Sector

Allocation

 

Underlying Funds

Allocation

Equity

47.90%

 

U.S. Equity

33.60%

 

Ÿ Growth & Income Fund

7.03%

      

Ÿ Large-Cap Growth Fund

6.38%

      

Ÿ Large-Cap Value Fund

6.17%

      

Ÿ Quant Large-Cap Growth Fund

5.55%

      

Ÿ Quant Large-Cap Value Fund

5.40%

      

Ÿ Quant Small-Cap Equity Fund

1.72%

      

Ÿ Quant Small/Mid-Cap Equity Fund

1.35%

   

International Equity

14.30%

 

Ÿ Quant International Equity Fund

3.73%

      

Ÿ International Equity Fund

3.11%

      

Ÿ International Opportunities Fund

3.10%

      

Ÿ Emerging Markets Equity Fund

2.45%

      

Ÿ Quant International Small-Cap Equity Fund

1.91%

Fixed-Income

47.43%

 

Fixed-Income

35.46%

 

Ÿ Bond Fund

18.15%

      

Ÿ Bond Plus Fund

11.86%

      

Ÿ Emerging Markets Debt Fund

1.98%

      

Ÿ International Bond Fund

1.90%

      

Ÿ High-Yield Fund

1.57%

   

Short-Term
Fixed-Income

6.47%

 

Ÿ Short-Term Bond Fund

6.47%

   

Inflation-
Protected Assets

5.50%

 

Ÿ Inflation-Linked Bond Fund

5.50%

Real Estate

4.67%

 

Direct Real Estate

4.67%

 

Ÿ TIAA-CREF Real Property Fund LP

4.67%


        

Total

100.00%

  

100.00%

  

100.00%


The following chart shows how the investment glidepath for the Fund is expected to gradually move the Fund’s target allocations over time between the different target market sector allocations. The actual market sector allocations of the Fund may differ from this chart. The Fund seeks to achieve its final target market sector allocations approximately 30 years following the target date.


Lifecycle Funds Glidepath as of June 30, 2020
Years to Target Retirement Date US Equities International Equities Direct Real Estate Fixed Income Short Term Fixed Income Inflation Protected Bonds
45 66.50% 28.50% 5.00% 0.00% 0.00% 0.00%
40 65.62% 28.13% 5.00% 1.25% 0.00% 0.00%
35 64.75% 27.75% 5.00% 2.50% 0.00% 0.00%
30 63.87% 27.38% 5.00% 3.75% 0.00% 0.00%
25 63.00% 27.00% 5.00% 5.00% 0.00% 0.00%
20 56.70% 24.30% 5.00% 14.00% 0.00% 0.00%
15 50.40% 21.60% 5.00% 23.00% 0.00% 0.00%
10 44.10% 18.90% 5.00% 28.00% 2.00% 2.00%
5 37.80% 16.20% 5.00% 33.00% 4.00% 4.00%
0 31.50% 13.50% 5.00% 38.00% 6.00% 6.00%
-5 28.00% 12.00% 5.00% 39.00% 8.00% 8.00%
-10 24.50% 10.50% 5.00% 40.00% 10.00% 10.00%
-15 22.75% 9.75% 2.50% 40.00% 15.00% 10.00%
-20 21.00% 9.00% 0.00% 40.00% 20.00% 10.00%
-25 17.50% 7.50% 0.00% 40.00% 25.00% 10.00%
-30 14.00% 6.00% 0.00% 40.00% 30.00% 10.00%

The Fund is designed to accommodate investors who invest in a fund up to their target retirement date, and plan to make gradual systematic withdrawals in retirement. In addition, investors should note that the Fund will continue to have a significant level of equity exposure up to, through and after its target retirement date, and this exposure could cause significant fluctuations in the value of the Fund depending on the performance of the equity markets generally.


After the Fund reaches its final target allocation, the Board of Trustees may authorize the merger of the Fund into another Lifecycle Fund which has also reached its final target allocation or other similar fund designed to maintain a relatively stable asset allocation reflecting the resting point on the glidepath described in the chart above. Fund shareholders will receive prior notice of any such merger.

Principal investment risks

You could lose money over short or long periods by investing in this Fund. An investment in the Fund, due to the nature of the Fund’s portfolio holdings, typically is subject to the following principal investment risks:


· Asset Allocation Risk—The risk that the Fund may not achieve its target allocations. In addition, there is the risk that the asset allocations may not achieve the desired risk-return characteristic or that the selection of Underlying Funds and the allocations among them will result in the Fund underperforming other similar funds or cause an investor to lose money.


· Underlying Funds Risks—The Fund is exposed to the risks of the Underlying Funds in which it invests in direct proportion to the amount of assets the Fund allocates to each Underlying Fund.


· Equity Underlying Funds Risks—The risks of investing in equity Underlying Funds include risks specific to their investment strategies, as well as risks related to the equity markets in general, such as:


· market risk—The risk that the price of equity investments may decline in response to general market and economic conditions or events, including conditions and developments outside of the financial markets;


· issuer risk—The risk that an issuer’s earnings prospects and overall financial position will deteriorate, causing a decline in the value of the issuer’s financial instruments over short or extended periods of time; and


· foreign investment risk—The increased risks of adverse issuer, political, regulatory, currency, market or economic developments compared to investments in U.S. issuers, which can result in greater market and price volatility.


· Fixed-Income Underlying Funds Risks—The risks of investing in fixed-income Underlying Funds include risks specific to their investment strategies, as well as risks related to the fixed-income markets in general, such as:


· interest rate risk—The risk that the value or yield of fixed-income investments may decline if interest rates change, which could adversely affect a Fund’s income or the value of its holdings;


· extension risk—The risk that during periods of rising interest rates, borrowers may pay off their mortgage loans later than expected, preventing a Fund from reinvesting principal proceeds at higher interest rates and resulting in less income than potentially available;


· issuer risk—The risk that an issuer’s earnings prospects and overall financial position will deteriorate, causing a decline in the value of the issuer’s financial instruments over short or extended periods of time;


· credit risk—The risk that a decline in an issuer’s financial position may prevent it from making principal and interest payments on fixed-income investments held by a Fund when due;


· credit spread risk—The risk that credit spreads (i.e., the difference in yield between securities that is due to differences in each security’s respective credit quality) may increase when market participants believe that bonds generally have a greater risk of default, which could result in a decline in the market values of a Fund’s debt securities;


· income volatility risk—The risk that the level of current income from a Fund’s portfolio of fixed-income securities may decline due to rapid and unpredictable changes in prevailing market interest rates; and


· call risk—The risk that, during periods of falling interest rates, an issuer may call (or repay) a fixed-income security prior to maturity, resulting in a decline in a Fund’s income.


· Direct Real Estate Underlying Funds Risks—The risks of investing in direct real estate Underlying Funds include risks specific to their investment strategies, as well as risks related to investing in real estate in general, such as:


· real estate-related investment risk—The risks associated with exposure to direct real estate through investing in investment vehicles managed by Advisors that will primarily invest directly in real estate, which can include declines in real estate values or revenues, uninsured losses at properties, the absence of regulatory oversight of and a secondary market for interests in direct real estate Underlying Funds, a scarcity of interests issued by direct real estate Underlying Funds, making it difficult for the Fund to achieve its target allocation, and illiquidity of interests in direct real estate Underlying Funds.


· Active Management Risk—The risk that the strategy, investment selection or trading execution of Advisors could cause the Fund or an Underlying Fund to underperform its benchmark index or mutual funds with similar investment objectives.


· Fund of Funds Risk—The ability of the Fund to achieve its investment objective will depend in part upon the ability of the Underlying Funds to achieve their investment objectives. There can be no guarantee that any Underlying Fund will achieve its investment objective.


There can be no assurances that the Fund will achieve its investment objective. You should not consider the Fund to be a complete investment program. Please see the non-summary portion of the Prospectus for more detailed information about the risks described above, including the risks of the Underlying Funds.

Past performance

The following chart and table help illustrate some of the risks of investing in the Fund by showing changes in the Fund’s performance from year to year. The bar chart shows the annual total returns of the Retirement Class of the Fund, before taxes, in each full calendar year for the last ten years. Because the expenses vary across share classes, the performance of the Retirement Class may vary from the other share classes. Below the bar chart are the best and worst returns of the Retirement Class for a calendar quarter during the full calendar-year periods covered by the bar chart. The performance table following the bar chart shows the Fund’s average annual total returns for the Retirement, Institutional, Advisor and Premier classes over the applicable one-year, five-year, ten-year and since-inception periods ended December 31, 2018, and how those returns compare to those of a broad-based securities market index and a composite index that represents the market sectors in which the Fund invests across the equity and fixed-income asset classes. After-tax performance is shown only for the Retirement Class shares, and after-tax returns for the other classes of shares will vary from the after-tax returns presented for Retirement Class shares.


The returns shown below reflect previous agreements by Advisors to waive or reimburse the Fund and certain Underlying Funds for certain fees and expenses. Without these waivers and reimbursements, the returns of the Fund would have been lower. Past performance of the Fund (before and after taxes) is not necessarily an indication of how it will perform in the future. The indices listed below are unmanaged, and you cannot invest directly in an index. The returns for the indices reflect no deduction for fees, expenses or taxes.


For current performance information of each share class, including performance to the most recent month-end, please visit www.tiaa.org.

ANNUAL TOTAL RETURNS FOR THE RETIREMENT CLASS SHARES (%)† Lifecycle 2020 Fund
Bar Chart

 The year-to-date return as of the most recent calendar quarter, which ended on June 30, 2019, was 11.48%.

Best quarter: 13.85%, for the quarter ended June 30, 2009. Worst quarter: -11.24%, for the quarter ended September 30, 2011.

AVERAGE ANNUAL TOTAL RETURNS For the Periods Ended December 31, 2018
Average Annual Returns - TIAA-CREF Lifecycle 2020 Fund
1 Year
5 Years
10 Years
Inception Date
Retirement Class (5.38%) 3.97% 8.39% Oct. 15, 2004
Institutional Class (5.18%) 4.24% 8.66% Jan. 17, 2007
Advisor Class (5.15%) 4.11% [1] 8.46% [1] Dec. 04, 2015
Premier Class (5.26%) 4.08% 8.50% [1] Sep. 30, 2009
After Taxes on Distributions | Retirement Class (6.97%) 2.35% 7.07%  
After Taxes on Distributions and Sale of Fund Shares | Retirement Class (2.42%) 2.74% 6.53%  
S&P Target Date 2020 Index (4.16%) 4.10% 7.86%  
Lifecycle 2020 Fund Composite Index (reflects no deductions for fees, expenses or taxes) [2] (3.97%) 4.41% 8.37%  
[1] The performance shown for the Advisor and Premier classes that is prior to their inception dates is based on performance of the Fund's Retirement Class. The performance for these periods has not been restated to reflect the lower expenses of the Advisor and Premier classes.
[2] As of the close of business on December 31, 2018, the Lifecycle 2020 Fund Composite Index consisted of: 36.8% Bloomberg Barclays U.S. Aggregate Bond Index; 36.7% Russell 3000® Index; 15.7% MSCI All Country World Index ex USA Investable Market Index; 5.4% Bloomberg Barclays U.S. 1-3 Year Government/Credit Bond Index; and 5.4% Bloomberg Barclays U.S. Treasury Inflation Protected Securities (TIPS) 1-10 Year Index. The Fund's composite benchmark, the components that make up a composite benchmark and the method of calculating a composite benchmark's performance may vary over time.

Current performance of the Fund’s shares may be higher or lower than that shown above.


After-tax returns are calculated using the historical highest individual federal marginal income tax rates in effect during the periods shown and do not reflect the impact of state and local taxes. Actual after-tax returns depend on the investor’s tax situation and may differ from those shown. The after-tax returns shown are not relevant to investors who hold their Fund shares through tax-deferred arrangements such as 401(a), 401(k) or 403(b) plans or Individual Retirement Accounts (IRAs). After-tax returns are shown for only one class, and after-tax returns for other classes will vary.
 

XML 91 R211.htm IDEA: XBRL DOCUMENT v3.19.3
Label Element Value
TIAA-CREF Managed Allocation Fund  
Risk/Return: rr_RiskReturnAbstract  
Risk/Return [Heading] rr_RiskReturnHeading TIAA-CREF Managed Allocation Fund
Objective [Heading] rr_ObjectiveHeading Investment objective
Objective, Primary [Text Block] rr_ObjectivePrimaryTextBlock

The Fund seeks favorable returns that reflect the broad investment performance of the financial markets through capital appreciation and investment income. The Fund will pursue this goal through a “fund of funds” approach, whereby the Fund will make investments primarily in other mutual funds.

Expense [Heading] rr_ExpenseHeading Fees and expenses
Expense Narrative [Text Block] rr_ExpenseNarrativeTextBlock

This table describes the fees and expenses that you may pay if you buy and hold shares of the Fund. In addition to the fees and expenses described below, investors may be required to pay a commission to a broker-dealer or other financial intermediary on purchases and sales of Institutional Class shares of the Fund.

Shareholder Fees Caption [Text] rr_ShareholderFeesCaption SHAREHOLDER FEES (fees paid directly from your investment)
Operating Expenses Caption [Text] rr_OperatingExpensesCaption ANNUAL FUND OPERATING EXPENSES (expenses that you pay each year as a percentage of the value of your investment)
Portfolio Turnover [Heading] rr_PortfolioTurnoverHeading Portfolio turnover
Portfolio Turnover [Text Block] rr_PortfolioTurnoverTextBlock

The Fund pays transaction costs, such as commissions, when it buys and sells securities (or “turns over” its portfolio). A higher portfolio turnover rate may indicate higher transaction costs and may result in higher taxes when Fund shares are held in a taxable account. These costs, which are not reflected in annual fund operating expenses or in the example, affect the Fund’s performance. During the fiscal year ended May 31, 2019, the Fund’s portfolio turnover rate was 20% of the average value of its portfolio.

Portfolio Turnover, Rate rr_PortfolioTurnoverRate 20.00%
Expense Example [Heading] rr_ExpenseExampleHeading Example
Expense Example Narrative [Text Block] rr_ExpenseExampleNarrativeTextBlock

This example is intended to help you compare the cost of investing in shares of the Fund with the cost of investing in other mutual funds. The example assumes that you invest $10,000 in the Fund for the time periods indicated and then redeem all your shares at the end of those periods. The example also assumes that your investment has a 5% return each year and that the Fund’s operating expenses, before fee waivers and/or expense reimbursements, remain the same. The example assumes that the Fund’s fee waiver and/or expense reimbursement arrangements will each remain in place for the duration noted in the table above. Although your actual costs may be higher or lower, based on these assumptions your costs would be:

Strategy [Heading] rr_StrategyHeading Principal investment strategies
Strategy Narrative [Text Block] rr_StrategyNarrativeTextBlock

The Fund is a “fund of funds” that invests in Institutional Class shares of other funds of the Trust and potentially in other investment pools or investment products, including other funds advised by the Fund’s investment adviser, Teachers Advisors, LLC (“Advisors”), or its affiliates (collectively, the “Underlying Funds”). The Fund invests in Underlying Funds according to a relatively stable asset allocation strategy and will generally seek to meet its investment objective by investing: (1) approximately 60.00% of its assets in equity Underlying Funds, including up to 5.00% of its assets in real estate Underlying Funds; and (2) approximately 40.00% of its assets in fixed-income Underlying Funds (“target allocations”).


The Fund may invest in the following equity Underlying Funds: TIAA-CREF Growth & Income Fund, Large-Cap Growth Fund, Large-Cap Value Fund, Quant Large-Cap Growth Fund, Quant Large-Cap Value Fund, Quant International Equity Fund, Quant International Small-Cap Equity Fund, Quant Small-Cap Equity Fund, Quant Small/Mid-Cap Equity Fund, Emerging Markets Equity Fund, International Equity Fund, International Opportunities Fund and Real Estate Securities Fund.


The Fund may invest in the following fixed-income Underlying Funds: TIAA-CREF Bond Plus Fund, High-Yield Fund, Inflation-Linked Bond Fund, International Bond Fund, Money Market Fund and Short-Term Bond Fund.


As a result of its investments in the Underlying Funds, the Managed Allocation Fund’s returns will reflect investments in a mix of domestic stocks of companies of all sizes, foreign equities, real estate securities and a variety of domestic and foreign fixed-income instruments of private and governmental issuers of varying maturities and credit qualities. To maintain an appropriate allocation among the Underlying Funds, the portfolio managers monitor the foreign and domestic equity markets, as well as overall financial and economic conditions. If the portfolio managers believe that the relative attractiveness of the markets in which the equity and fixed-income funds are invested changes, they can adjust the percentage of investments in the Fund’s market sectors or Underlying Funds up or down by up to 10%; they may also invest in new market sectors or Underlying Funds without prior notice. If 10% or more of the Fund’s assets are expected to be invested in any Underlying Fund or market sector not listed above or in the chart below, shareholders will receive prior notice of such change. At any given time the Fund may hold between 0% to 5% of its assets in real estate funds. The


Fund’s composite benchmark is a composite of three benchmark indices representing three types of market sectors within the equity and fixed-income Underlying Fund asset classes, i.e., domestic equity, international equity and fixed-income. The composite index is created by applying the results of the benchmark for each of these three market sectors in proportion to the Fund’s target allocations among the three market sectors. For more information about the different indices that comprise the Fund’s composite benchmark index, please see “Additional information about the Fund’s composite index” below.


The composition of the Fund’s fixed-income portion will vary depending on the shape of the yield curve. This means that when there is not much difference between the yield on short-term and long-term bonds, the Fund would normally increase its investments in the Short-Term Bond Fund. The Fund will have less than 5% of its assets in the High-Yield Fund.


The Fund might sometimes be even more heavily weighted toward equities or fixed-income, if Advisors believes market conditions warrant. For example, the Fund might increase its holdings in fixed-income funds in periods when Advisors believes equity markets will decline.


As part of the Fund’s ability to invest in unaffiliated investment products or pools noted above, the Board has authorized the Fund to invest in exchange-traded funds (“ETFs”) and exchange-traded notes (“ETNs”). The Fund may use investments in ETFs and ETNs to gain exposure to various market sectors or securities in order to effect its asset allocation strategy. Additionally, the Fund may use ETFs and ETNs for cash management, hedging or defensive purposes. ETFs and ETNs will be subject to the risks associated with the types of securities or sectors that they track, while ETNs, which are structured as fixed-income obligations, will also be subject to the general risks of fixed-income securities, including credit risk.


For flexibility in meeting redemptions, expenses and the timing of new investments, and as a short-term defense during periods of unusual volatility, the Fund may invest in government securities (as defined in the Investment Company Act of 1940, as amended (the “1940 Act”)), short-term paper or shares of the Money Market Fund. For temporary defensive purposes, the Managed Allocation Fund may invest without limitation in such securities. The Fund cannot guarantee that this strategy will be successful.


The Fund’s asset class allocations, market sector allocations within each asset class, and Underlying Fund allocations within each market sector, as of June 30, 2019, are listed in the chart below. These allocations may change over time. Underlying Fund allocations in particular may change from year to year.


        

Asset Class

Allocation

  

Market Sector

Allocation

 

Underlying Funds

Allocation

Equity

60.65%

 

U.S. Equity

43.54%

 

Ÿ Quant Large-Cap Growth Fund

8.99%

      

Ÿ Growth & Income Fund

8.93%

      

Ÿ Large-Cap Growth Fund

8.07%

      

Ÿ Large-Cap Value Fund

7.81%

      

Ÿ Quant Large-Cap Value Fund

5.84%

      

Ÿ Quant Small-Cap Equity Fund

2.19%

      

Ÿ Quant Small/Mid-Cap Equity Fund

1.71%

   

International Equity

17.11%

 

Ÿ International Equity Fund

3.93%

      

Ÿ International Opportunities Fund

3.93%

      

Ÿ Quant International Equity Fund

3.74%

      

Ÿ Emerging Markets Equity Fund

3.10%

      

Ÿ Quant International Small-Cap Equity Fund

2.41%

Fixed-Income

39.35%

 

Fixed-Income

39.35%

 

Ÿ Bond Plus Fund

39.35%


        

Total

100.00%

  

100.00%

  

100.00%

Risk [Heading] rr_RiskHeading Principal investment risks
Risk Narrative [Text Block] rr_RiskNarrativeTextBlock

You could lose money over short or long periods by investing in this Fund. Accordingly, an investment in the Fund or the Underlying Funds typically is subject to the following principal investment risks:


· Asset Allocation Risk—The risk that the Fund may not achieve its target allocations. In addition, there is the risk that the asset allocations may not achieve the desired risk-return characteristic or that the selection of Underlying Funds and the allocations among them will result in the Fund underperforming other similar funds or cause an investor to lose money.


· Underlying Funds Risks—The Fund is exposed to the risks of the Underlying Funds in which it invests in direct proportion to the amount of assets the Fund allocates to each Underlying Fund.


· Equity Underlying Funds Risks—The risks of investing in equity Underlying Funds include risks specific to their investment strategies, as well as risks related to the equity markets in general, such as:


· market risk—The risk that the price of equity investments may decline in response to general market and economic conditions or events, including conditions and developments outside of the financial markets;


· issuer risk—The risk that an issuer’s earnings prospects and overall financial position will deteriorate, causing a decline in the value of the issuer’s financial instruments over short or extended periods of time; and


· foreign investment risk—The increased risks of adverse issuer, political, regulatory, currency, market or economic developments compared to investments in U.S. issuers, which can result in greater market and price volatility.


· Fixed-Income Underlying Funds Risks—The risks of investing in fixed-income Underlying Funds include risks specific to their investment strategies, as well as risks related to the fixed-income markets in general, such as:


· interest rate risk—The risk that the value or yield of fixed-income investments may decline if interest rates change, which could adversely affect a Fund’s income or the value of its holdings;


· extension risk—The risk that during periods of rising interest rates, borrowers may pay off their mortgage loans later than expected, preventing a Fund from reinvesting principal proceeds at higher interest rates and resulting in less income than potentially available;


· issuer risk—The risk that an issuer’s earnings prospects and overall financial position will deteriorate, causing a decline in the value of the issuer’s financial instruments over short or extended periods of time;


· credit risk—The risk that a decline in an issuer’s financial position may prevent it from making principal and interest payments on fixed-income investments held by a Fund when due;


· credit spread risk—The risk that credit spreads (i.e., the difference in yield between securities that is due to differences in each security’s respective credit quality) may increase when market participants believe that bonds generally have a greater risk of default, which could result in a decline in the market values of a Fund’s debt securities;


· income volatility risk—The risk that the level of current income from a Fund’s portfolio of fixed-income securities may decline due to rapid and unpredictable changes in prevailing market interest rates; and


· call risk—The risk that, during periods of falling interest rates, an issuer may call (or repay) a fixed-income security prior to maturity, resulting in a decline in a Fund’s income.


· Active Management Risk—The risk that the strategy, investment selection or trading execution of Advisors could cause the Fund or an Underlying Fund to underperform its benchmark index or mutual funds with similar investment objectives.


· Fund of Funds Risk—The ability of the Fund to achieve its investment objective will depend in part upon the ability of the Underlying Funds to achieve their investment objectives. There can be no guarantee that any Underlying Fund will achieve its investment objective.


There can be no assurances that the Fund will achieve its investment objective. You should not consider the Fund to be a complete investment program. Please see the non-summary portion of the Prospectus for more detailed information about the risks described above, including the risks of the Underlying Funds.

Risk Lose Money [Text] rr_RiskLoseMoney You could lose money over short or long periods by investing in this Fund.
Bar Chart and Performance Table [Heading] rr_BarChartAndPerformanceTableHeading Past performance
Performance Narrative [Text Block] rr_PerformanceNarrativeTextBlock

The following chart and table help illustrate some of the risks of investing in the Fund by showing changes in the Fund’s performance from year to year. The bar chart shows the annual total returns of the Institutional Class of the Fund, before taxes, in each full calendar year for the last ten years. Because the expenses vary across share classes, the performance of the Institutional Class may vary from the other share classes. Below the bar chart are the best and worst returns of the Institutional Class for a calendar quarter during the full calendar-year periods covered by the bar chart. The performance table following the bar chart shows the Fund’s average annual total returns for the Institutional, Retirement and Retail classes over the applicable one-year, five-year, ten-year and since-inception periods ended December 31, 2018, and how those returns compare to those of a broad-based securities market index and a composite index based on the Fund’s target allocations. After-tax performance is shown only for the Institutional Class shares, and after-tax returns for the other classes of shares will vary from the after-tax returns presented for Institutional Class shares.


The returns shown below reflect previous agreements by Advisors to waive or reimburse the Fund and certain Underlying Funds for certain fees and expenses. Without these waivers and reimbursements, the returns of the Fund would have been lower. Past performance of the Fund (before and after taxes) is not necessarily an indication of how it will perform in the future. The indices listed below are unmanaged, and you cannot invest directly in an index. The returns for the indices reflect no deduction for fees, expenses or taxes.


For current performance information of each share class, including performance to the most recent month-end, please visit www.tiaa.org.

Performance Information Illustrates Variability of Returns [Text] rr_PerformanceInformationIllustratesVariabilityOfReturns The following chart and table help illustrate some of the risks of investing in the Fund by showing changes in the Fund’s performance from year to year.
Performance Additional Market Index [Text] rr_PerformanceAdditionalMarketIndex As of the close of business on December 31, 2018, the Managed Allocation Fund Composite Index consisted of: 42.0% Russell 3000® Index; 40.0% Bloomberg Barclays U.S. Aggregate Bond Index; and 18.0% MSCI All Country World Index ex USA Investable Market Index. The Fund’s composite benchmark, the components that make up a composite benchmark and the method of calculating a composite benchmark’s performance may vary over time.
Performance Availability Website Address [Text] rr_PerformanceAvailabilityWebSiteAddress www.tiaa.org
Performance Past Does Not Indicate Future [Text] rr_PerformancePastDoesNotIndicateFuture Past performance of the Fund (before and after taxes) is not necessarily an indication of how it will perform in the future.
Bar Chart [Heading] rr_BarChartHeading ANNUAL TOTAL RETURNS FOR THE INSTITUTIONAL CLASS SHARES (%)†
Bar Chart Footnotes [Text Block] rr_BarChartFootnotesTextBlock

 The year-to-date return as of the most recent calendar quarter, which ended on June 30, 2019, was 13.22%.

Bar Chart Closing [Text Block] rr_BarChartClosingTextBlock

Best quarter: 12.65%, for the quarter ended June 30, 2009. Worst quarter: -10.49%, for the quarter ended September 30, 2011.

Year to Date Return, Label rr_YearToDateReturnLabel The year-to-date return as of the most recent calendar quarter, which ended on June 30, 2019, was
Bar Chart, Year to Date Return, Date rr_BarChartYearToDateReturnDate Jun. 30, 2019
Bar Chart, Year to Date Return rr_BarChartYearToDateReturn 13.22%
Highest Quarterly Return, Label rr_HighestQuarterlyReturnLabel Best quarter:
Highest Quarterly Return, Date rr_BarChartHighestQuarterlyReturnDate Jun. 30, 2009
Highest Quarterly Return rr_BarChartHighestQuarterlyReturn 12.65%
Lowest Quarterly Return, Label rr_LowestQuarterlyReturnLabel Worst quarter:
Lowest Quarterly Return, Date rr_BarChartLowestQuarterlyReturnDate Sep. 30, 2011
Lowest Quarterly Return rr_BarChartLowestQuarterlyReturn (10.49%)
Index No Deduction for Fees, Expenses, Taxes [Text] rr_IndexNoDeductionForFeesExpensesTaxes (reflects no deductions for fees, expenses or taxes)
Performance Table Uses Highest Federal Rate rr_PerformanceTableUsesHighestFederalRate After-tax returns are calculated using the historical highest individual federal marginal income tax rates in effect during the periods shown and do not reflect the impact of state and local taxes.
Performance Table Not Relevant to Tax Deferred rr_PerformanceTableNotRelevantToTaxDeferred The after-tax returns shown are not relevant to investors who hold their Fund shares through tax-deferred arrangements such as 401(a), 401(k) or 403(b) plans or Individual Retirement Accounts (IRAs).
Performance Table One Class of after Tax Shown [Text] rr_PerformanceTableOneClassOfAfterTaxShown After-tax performance is shown only for the Institutional Class shares, and after-tax returns for the other classes of shares will vary from the after-tax returns presented for Institutional Class shares.
Performance Table Closing [Text Block] rr_PerformanceTableClosingTextBlock

Current performance of the Fund’s shares may be higher or lower than that shown above.



After-tax returns are calculated using the historical highest individual federal marginal income tax rates in effect during the periods shown and do not reflect the impact of state and local taxes. Actual after-tax returns depend on the investor’s tax situation and may differ from those shown. The after-tax returns shown are not relevant to investors who hold their Fund shares through tax-deferred arrangements such as 401(a), 401(k) or 403(b) plans or Individual Retirement Accounts (IRAs). After-tax returns are shown for only one class, and after-tax returns for other classes will vary.

Average Annual Return, Caption rr_AverageAnnualReturnCaption AVERAGE ANNUAL TOTAL RETURNS For the Periods Ended December 31, 2018
TIAA-CREF Managed Allocation Fund | Morningstar Moderate Target Risk Index (reflects no deductions for fees, expenses or taxes)  
Risk/Return: rr_RiskReturnAbstract  
1 Year rr_AverageAnnualReturnYear01 (4.76%)
5 Years rr_AverageAnnualReturnYear05 4.08%
10 Years rr_AverageAnnualReturnYear10 7.97%
TIAA-CREF Managed Allocation Fund | Managed Allocation Fund Composite Index (reflects no deductions for fees, expenses or taxes)  
Risk/Return: rr_RiskReturnAbstract  
1 Year rr_AverageAnnualReturnYear01 (4.69%) [1]
5 Years rr_AverageAnnualReturnYear05 4.61% [1]
10 Years rr_AverageAnnualReturnYear10 8.29% [1]
TIAA-CREF Managed Allocation Fund | Institutional Class  
Risk/Return: rr_RiskReturnAbstract  
Maximum sales charge imposed on purchases (percentage of offering price) rr_MaximumSalesChargeImposedOnPurchasesOverOfferingPrice none
Maximum deferred sales charge rr_MaximumDeferredSalesChargeOverOfferingPrice none
Maximum sales charge imposed on reinvested dividends and other distributions rr_MaximumSalesChargeOnReinvestedDividendsAndDistributionsOverOther none
Redemption or exchange fee rr_RedemptionFeeOverRedemption none
Account maintenance fee (annual fee on accounts under $2,000) rr_ShareholderFeeOther none
Other expenses rr_OtherExpensesOverAssets 0.03%
Acquired Fund fees and expenses rr_AcquiredFundFeesAndExpensesOverAssets 0.39% [2]
Total annual Fund operating expenses rr_ExpensesOverAssets 0.42%
Waivers and expense reimbursements rr_FeeWaiverOrReimbursementOverAssets (0.03%) [3]
Total annual Fund operating expenses after fee waiver and/or expense reimbursement rr_NetExpensesOverAssets 0.39%
Expense Example, with Redemption, 1 Year rr_ExpenseExampleYear01 $ 40
Expense Example, with Redemption, 3 Years rr_ExpenseExampleYear03 132
Expense Example, with Redemption, 5 Years rr_ExpenseExampleYear05 232
Expense Example, with Redemption, 10 Years rr_ExpenseExampleYear10 $ 527
Annual Return 2009 rr_AnnualReturn2009 22.46%
Annual Return 2010 rr_AnnualReturn2010 13.44%
Annual Return 2011 rr_AnnualReturn2011 0.31%
Annual Return 2012 rr_AnnualReturn2012 14.65%
Annual Return 2013 rr_AnnualReturn2013 16.96%
Annual Return 2014 rr_AnnualReturn2014 5.16%
Annual Return 2015 rr_AnnualReturn2015 0.56%
Annual Return 2016 rr_AnnualReturn2016 6.93%
Annual Return 2017 rr_AnnualReturn2017 17.07%
Annual Return 2018 rr_AnnualReturn2018 (6.82%)
1 Year rr_AverageAnnualReturnYear01 (6.82%)
5 Years rr_AverageAnnualReturnYear05 4.29%
10 Years rr_AverageAnnualReturnYear10 8.71%
Inception Date rr_AverageAnnualReturnInceptionDate Mar. 31, 2006
TIAA-CREF Managed Allocation Fund | Institutional Class | After Taxes on Distributions  
Risk/Return: rr_RiskReturnAbstract  
1 Year rr_AverageAnnualReturnYear01 (8.36%)
5 Years rr_AverageAnnualReturnYear05 2.62%
10 Years rr_AverageAnnualReturnYear10 7.34%
TIAA-CREF Managed Allocation Fund | Institutional Class | After Taxes on Distributions and Sale of Fund Shares  
Risk/Return: rr_RiskReturnAbstract  
1 Year rr_AverageAnnualReturnYear01 (3.32%)
5 Years rr_AverageAnnualReturnYear05 2.92%
10 Years rr_AverageAnnualReturnYear10 6.68%
TIAA-CREF Managed Allocation Fund | Retirement Class  
Risk/Return: rr_RiskReturnAbstract  
Maximum sales charge imposed on purchases (percentage of offering price) rr_MaximumSalesChargeImposedOnPurchasesOverOfferingPrice none
Maximum deferred sales charge rr_MaximumDeferredSalesChargeOverOfferingPrice none
Maximum sales charge imposed on reinvested dividends and other distributions rr_MaximumSalesChargeOnReinvestedDividendsAndDistributionsOverOther none
Redemption or exchange fee rr_RedemptionFeeOverRedemption none
Account maintenance fee (annual fee on accounts under $2,000) rr_ShareholderFeeOther none
Other expenses rr_OtherExpensesOverAssets 0.28%
Acquired Fund fees and expenses rr_AcquiredFundFeesAndExpensesOverAssets 0.39% [2]
Total annual Fund operating expenses rr_ExpensesOverAssets 0.67%
Waivers and expense reimbursements rr_FeeWaiverOrReimbursementOverAssets (0.03%) [3]
Total annual Fund operating expenses after fee waiver and/or expense reimbursement rr_NetExpensesOverAssets 0.64%
Expense Example, with Redemption, 1 Year rr_ExpenseExampleYear01 $ 65
Expense Example, with Redemption, 3 Years rr_ExpenseExampleYear03 211
Expense Example, with Redemption, 5 Years rr_ExpenseExampleYear05 370
Expense Example, with Redemption, 10 Years rr_ExpenseExampleYear10 $ 832
1 Year rr_AverageAnnualReturnYear01 (6.99%)
5 Years rr_AverageAnnualReturnYear05 4.03%
10 Years rr_AverageAnnualReturnYear10 8.43%
Inception Date rr_AverageAnnualReturnInceptionDate Mar. 31, 2006
TIAA-CREF Managed Allocation Fund | Retail Class  
Risk/Return: rr_RiskReturnAbstract  
Maximum sales charge imposed on purchases (percentage of offering price) rr_MaximumSalesChargeImposedOnPurchasesOverOfferingPrice none
Maximum deferred sales charge rr_MaximumDeferredSalesChargeOverOfferingPrice none
Maximum sales charge imposed on reinvested dividends and other distributions rr_MaximumSalesChargeOnReinvestedDividendsAndDistributionsOverOther none
Redemption or exchange fee rr_RedemptionFeeOverRedemption none
Account maintenance fee (annual fee on accounts under $2,000) rr_ShareholderFeeOther $ 15.00
Distribution (Rule 12b-1) fees rr_DistributionAndService12b1FeesOverAssets 0.25%
Other expenses rr_OtherExpensesOverAssets 0.07%
Acquired Fund fees and expenses rr_AcquiredFundFeesAndExpensesOverAssets 0.39% [2]
Total annual Fund operating expenses rr_ExpensesOverAssets 0.71%
Waivers and expense reimbursements rr_FeeWaiverOrReimbursementOverAssets (0.07%) [3]
Total annual Fund operating expenses after fee waiver and/or expense reimbursement rr_NetExpensesOverAssets 0.64%
Expense Example, with Redemption, 1 Year rr_ExpenseExampleYear01 $ 65
Expense Example, with Redemption, 3 Years rr_ExpenseExampleYear03 220
Expense Example, with Redemption, 5 Years rr_ExpenseExampleYear05 388
Expense Example, with Redemption, 10 Years rr_ExpenseExampleYear10 $ 876
1 Year rr_AverageAnnualReturnYear01 (6.96%)
5 Years rr_AverageAnnualReturnYear05 4.03%
10 Years rr_AverageAnnualReturnYear10 8.47%
Inception Date rr_AverageAnnualReturnInceptionDate Mar. 31, 2006
[1] As of the close of business on December 31, 2018, the Managed Allocation Fund Composite Index consisted of: 42.0% Russell 3000® Index; 40.0% Bloomberg Barclays U.S. Aggregate Bond Index; and 18.0% MSCI All Country World Index ex USA Investable Market Index. The Fund's composite benchmark, the components that make up a composite benchmark and the method of calculating a composite benchmark's performance may vary over time.
[2] "Acquired Fund fees and expenses" are the Fund's proportionate amount of the expenses of any investment companies or pools in which it invests. These expenses are not paid directly by Fund shareholders. Instead, Fund shareholders bear these expenses indirectly because they reduce Fund performance. Because "Acquired Fund fees and expenses" are included in the chart above, the Fund's operating expenses here will not correlate with the expenses included in the Financial highlights in this Prospectus and the Fund's annual report.
[3] Under the Fund's expense reimbursement arrangements, the Fund's investment adviser, Teachers Advisors, LLC ("Advisors"), has contractually agreed to reimburse the Fund for any Total annual Fund operating expenses (excluding interest, taxes, brokerage commissions or other transactional expenses, Acquired Fund fees and expenses and extraordinary expenses) that exceed: (i) 0.00% of average daily net assets for Institutional Class shares; (ii) 0.25% of average daily net assets for Retirement Class shares; and (iii) 0.25% of average daily net assets for Retail Class shares of the Fund. These expense reimbursement arrangements will continue through at least September 30, 2020, unless changed with approval of the Board of Trustees.
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Label Element Value
TIAA-CREF Lifecycle 2010 Fund  
Risk/Return: rr_RiskReturnAbstract  
Risk/Return [Heading] rr_RiskReturnHeading TIAA-CREF Lifecycle 2010 Fund
Objective [Heading] rr_ObjectiveHeading Investment objective
Objective, Primary [Text Block] rr_ObjectivePrimaryTextBlock

The Lifecycle 2010 Fund seeks high total return over time through a combination of capital appreciation and income.

Expense [Heading] rr_ExpenseHeading Fees and expenses
Expense Narrative [Text Block] rr_ExpenseNarrativeTextBlock

This table describes the fees and expenses that you may pay if you buy and hold shares of the Fund. In addition to the fees and expenses described below, investors may be required to pay a commission to a broker-dealer or other financial intermediary on purchases and sales of Institutional Class or Advisor Class shares of the Fund.

Shareholder Fees Caption [Text] rr_ShareholderFeesCaption SHAREHOLDER FEES (fees paid directly from your investment)
Operating Expenses Caption [Text] rr_OperatingExpensesCaption ANNUAL FUND OPERATING EXPENSES (expenses that you pay each year as a percentage of the value of your investment)
Fee Waiver or Reimbursement over Assets, Date of Termination rr_FeeWaiverOrReimbursementOverAssetsDateOfTermination Sep. 30, 2020
Portfolio Turnover [Heading] rr_PortfolioTurnoverHeading Portfolio turnover
Portfolio Turnover [Text Block] rr_PortfolioTurnoverTextBlock

The Fund pays transaction costs, such as commissions, when it buys and sells securities (or “turns over” its portfolio). A higher portfolio turnover rate may indicate higher transaction costs and may result in higher taxes when Fund shares are held in a taxable account. These costs, which are not reflected in annual fund operating expenses or in the example, affect the Fund’s performance. During the fiscal year ended May 31, 2019, the Fund’s portfolio turnover rate was 22% of the average value of its portfolio.

Portfolio Turnover, Rate rr_PortfolioTurnoverRate 22.00%
Expenses Restated to Reflect Current [Text] rr_ExpensesRestatedToReflectCurrent Restated to reflect estimates for the current fiscal year.
Expenses Not Correlated to Ratio Due to Acquired Fund Fees [Text] rr_ExpensesNotCorrelatedToRatioDueToAcquiredFundFees “Acquired Fund fees and expenses” are the Fund’s proportionate amount of the expenses of any investment companies or pools in which it invests (excluding expenses originally incurred by Class W of the Underlying Funds of the Trust that have been incurred directly by the Fund, which are instead reflected in Management fees and Other expenses). These expenses are not paid directly by Fund shareholders. Instead, Fund shareholders bear these expenses indirectly because they reduce Fund performance. Because “Acquired Fund fees and expenses” are included in the chart above, the Fund’s operating expenses here will not correlate with the expenses included in the Financial highlights in this Prospectus and the Fund’s annual report.
Expense Example [Heading] rr_ExpenseExampleHeading Example
Expense Example Narrative [Text Block] rr_ExpenseExampleNarrativeTextBlock

This example is intended to help you compare the cost of investing in shares of the Fund with the cost of investing in other mutual funds. The example assumes that you invest $10,000 in the Fund for the time periods indicated and then redeem all your shares at the end of those periods. The example also assumes that your investment has a 5% return each year and that the Fund’s operating expenses, before fee waivers and/or expense reimbursements, remain the same. The example assumes that the Fund’s fee waiver and/or expense reimbursement arrangements will each remain in place for the durations noted in the table above. Although your actual costs may be higher or lower, based on these assumptions your costs would be:

Strategy [Heading] rr_StrategyHeading Principal investment strategies
Strategy Narrative [Text Block] rr_StrategyNarrativeTextBlock

The Fund is a “fund of funds” that invests in Class W shares of other funds of the Trust and in other investment pools or investment products, potentially including other funds advised by the Fund’s investment adviser, Teachers Advisors, LLC (“Advisors”), or its affiliates (collectively, the “Underlying Funds”). In general, the Fund is designed for investors who have an approximate target retirement year in mind, and the Fund’s investments are adjusted from more aggressive to more conservative over time as the Fund’s target retirement year approaches and for approximately 30 years afterwards. The Fund invests in Underlying Funds according to an asset allocation strategy designed for investors who retired in, or planned to retire within a few years of, 2010 and may have begun taking systematic withdrawals upon retirement.


Advisors currently expects to allocate approximately 35.00% of the Fund’s assets to equity Underlying Funds, 60.00% of its assets to fixed-income Underlying Funds and 5.00% of its assets to direct real estate Underlying Funds. These allocations represent targets for equity, fixed-income and direct real estate asset classes. Target allocations will change over time and actual allocations may vary up to ten percentage points from the targets. The target allocations along the investment glidepath, illustrated in the chart below, gradually become more conservative. The Fund had target allocations of approximately 50.00% equity/50.00% fixed-income in the Fund’s target retirement year of 2010 (the direct real estate asset class was added in 2017) and will reach the Fund’s final target allocation of approximately 20.00% equity/80.00% fixed-income/0.00% direct real estate in 2040. Within the equity, fixed-income and direct real estate asset classes, Advisors allocates the Fund’s investments to particular market sectors (U.S. equity, international equity, fixed-income, short-term fixed-income, inflation-protected assets and direct real estate) represented by various Underlying Funds. These market sector allocations may vary by up to 10% from the Fund’s target market sector allocations. The Fund’s current target market sector allocations for June 30, 2020, which will change over time, are approximately as follows: U.S. Equity: 24.50%; International Equity: 10.50%; Fixed-Income: 40.00%; Short-Term Fixed-Income: 10.00%; Inflation-Protected Assets: 10.00%; and Direct Real Estate: 5.00%. The asset class and market sector names used herein are intended to reflect the primary type of investment of the Underlying Funds within each of these categories.


The Fund’s target market sector allocations to Underlying Funds may include the TIAA-CREF Growth & Income Fund, Large-Cap Growth Fund, Large-Cap Value Fund, Quant Large-Cap Growth Fund, Quant Large-Cap Value Fund, Quant Small-Cap Equity Fund and Quant Small/Mid-Cap Equity Fund (U.S. Equity); Emerging Markets Equity Fund, International Equity Fund, International Opportunities Fund, Quant International Equity Fund and Quant International Small-Cap Equity Fund (International Equity); Bond Fund, Bond Plus Fund, Emerging Markets Debt Fund, High-Yield Fund and International Bond Fund (Fixed-Income); Money Market Fund and Short-Term Bond Fund (Short-Term Fixed-Income); Inflation-Linked Bond Fund (Inflation-Protected Assets); and Real Property Fund LP (Direct Real Estate). TIAA-CREF Real Property Fund LP is a private fund, which is not available for investment by the general public; it is currently offered exclusively to investment pools or investment products managed by Advisors or its affiliates.


Additional or replacement Underlying Funds for each market sector, as well as additional or replacement market sectors, may be included when making future allocations if Advisors believes that such Underlying Funds and/or market sectors are appropriate in light of the Fund’s desired levels of risk and potential return at the particular time. The Fund’s portfolio management team may also add a new market sector if it believes that will help to achieve the Fund’s investment objective. The relative allocations among Underlying Funds within a market sector may be changed at any time without notice to shareholders, and the portfolio management team may use tactical allocation to take advantage of short to intermediate term opportunities through a combination of positions in Underlying Funds. If 10% or more of the Fund’s assets are expected to be invested in any Underlying Fund or market sector not listed above, shareholders will receive prior notice of such change.


The Fund’s asset class allocations, market sector allocations within each asset class, and Underlying Fund allocations within each market sector, as of June 30, 2019, are listed in the chart below. These allocations will change over time. Underlying Fund allocations in particular may change from year to year.


        

Asset Class

Allocation

  

Market Sector

Allocation

 

Underlying Funds

Allocation

Equity

37.05%

 

U.S. Equity

25.99%

 

Ÿ Growth & Income Fund

5.44%

      

Ÿ Large-Cap Growth Fund

4.93%

      

Ÿ Large-Cap Value Fund

4.77%

      

Ÿ Quant Large-Cap Growth Fund

4.29%

      

Ÿ Quant Large-Cap Value Fund

4.18%

      

Ÿ Quant Small-Cap Equity Fund

1.33%

      

Ÿ Quant Small/Mid-Cap Equity Fund

1.05%

   

International Equity

11.06%

 

Ÿ Quant International Equity Fund

2.89%

      

Ÿ International Equity Fund

2.40%

      

Ÿ International Opportunities Fund

2.40%

      

Ÿ Emerging Markets Equity Fund

1.90%

      

Ÿ Quant International Small-Cap Equity Fund

1.47%

Fixed-Income

58.27%

 

Fixed-Income

38.38%

 

Ÿ Bond Fund

19.68%

      

Ÿ Bond Plus Fund

12.82%

      

Ÿ Emerging Markets Debt Fund

2.12%

      

Ÿ International Bond Fund

2.05%

      

Ÿ High-Yield Fund

1.71%

   

Short-Term
Fixed-Income

10.43%

 

Ÿ Short-Term Bond Fund

10.43%

   

Inflation-
Protected Assets

9.46%

 

Ÿ Inflation-Linked Bond Fund

9.46%

Real Estate

4.68%

 

Direct Real Estate

4.68%

 

Ÿ TIAA-CREF Real Property Fund LP

4.68%


        

Total

100.00%

  

100.00%

  

100.00%


The following chart shows how the investment glidepath for the Fund is expected to gradually move the Fund’s target allocations over time between the different target market sector allocations. The actual market sector allocations of the Fund may differ from this chart. The Fund seeks to achieve its final target market sector allocations approximately 30 years following the target date.


Lifecycle Funds Glidepath as of June 30, 2020
Years to Target Retirement Date US Equities International Equities Direct Real Estate Fixed Income Short Term Fixed Income Inflation Protected Bonds
45 66.50% 28.50% 5.00% 0.00% 0.00% 0.00%
40 65.62% 28.13% 5.00% 1.25% 0.00% 0.00%
35 64.75% 27.75% 5.00% 2.50% 0.00% 0.00%
30 63.87% 27.38% 5.00% 3.75% 0.00% 0.00%
25 63.00% 27.00% 5.00% 5.00% 0.00% 0.00%
20 56.70% 24.30% 5.00% 14.00% 0.00% 0.00%
15 50.40% 21.60% 5.00% 23.00% 0.00% 0.00%
10 44.10% 18.90% 5.00% 28.00% 2.00% 2.00%
5 37.80% 16.20% 5.00% 33.00% 4.00% 4.00%
0 31.50% 13.50% 5.00% 38.00% 6.00% 6.00%
-5 28.00% 12.00% 5.00% 39.00% 8.00% 8.00%
-10 24.50% 10.50% 5.00% 40.00% 10.00% 10.00%
-15 22.75% 9.75% 2.50% 40.00% 15.00% 10.00%
-20 21.00% 9.00% 0.00% 40.00% 20.00% 10.00%
-25 17.50% 7.50% 0.00% 40.00% 25.00% 10.00%
-30 14.00% 6.00% 0.00% 40.00% 30.00% 10.00%

The Fund is designed to accommodate investors who invest in a fund up to their target retirement date, and plan to make gradual systematic withdrawals in retirement. In addition, investors should note that the Fund will continue to have a significant level of equity exposure up to, through and after its target retirement date, and this exposure could cause significant fluctuations in the value of the Fund depending on the performance of the equity markets generally.


After the Fund reaches its final target allocation, the Board of Trustees may authorize the merger of the Fund into another Lifecycle Fund which has also reached its final target allocation or other similar fund designed to maintain a relatively stable asset allocation reflecting the resting point on the glidepath described in the chart above. Fund shareholders will receive prior notice of any such merger.

Risk [Heading] rr_RiskHeading Principal investment risks
Risk Narrative [Text Block] rr_RiskNarrativeTextBlock

You could lose money over short or long periods by investing in this Fund. An investment in the Fund, due to the nature of the Fund’s portfolio holdings, typically is subject to the following principal investment risks:


· Asset Allocation Risk—The risk that the Fund may not achieve its target allocations. In addition, there is the risk that the asset allocations may not achieve the desired risk-return characteristic or that the selection of Underlying Funds and the allocations among them will result in the Fund underperforming other similar funds or cause an investor to lose money.


· Underlying Funds Risks—The Fund is exposed to the risks of the Underlying Funds in which it invests in direct proportion to the amount of assets the Fund allocates to each Underlying Fund.


· Equity Underlying Funds Risks—The risks of investing in equity Underlying Funds include risks specific to their investment strategies, as well as risks related to the equity markets in general, such as:


· market risk—The risk that the price of equity investments may decline in response to general market and economic conditions or events, including conditions and developments outside of the financial markets;


· issuer risk—The risk that an issuer’s earnings prospects and overall financial position will deteriorate, causing a decline in the value of the issuer’s financial instruments over short or extended periods of time; and


· foreign investment risk—The increased risks of adverse issuer, political, regulatory, currency, market or economic developments compared to investments in U.S. issuers, which can result in greater market and price volatility.


· Fixed-Income Underlying Funds Risks—The risks of investing in fixed-income Underlying Funds include risks specific to their investment strategies, as well as risks related to the fixed-income markets in general, such as:


· interest rate risk—The risk that the value or yield of fixed-income investments may decline if interest rates change, which could adversely affect a Fund’s income or the value of its holdings;


· extension risk—The risk that during periods of rising interest rates, borrowers may pay off their mortgage loans later than expected, preventing a Fund from reinvesting principal proceeds at higher interest rates and resulting in less income than potentially available;


· issuer risk—The risk that an issuer’s earnings prospects and overall financial position will deteriorate, causing a decline in the value of the issuer’s financial instruments over short or extended periods of time;


· credit risk—The risk that a decline in an issuer’s financial position may prevent it from making principal and interest payments on fixed-income investments held by a Fund when due;


· credit spread risk—The risk that credit spreads (i.e., the difference in yield between securities that is due to differences in each security’s respective credit quality) may increase when market participants believe that bonds generally have a greater risk of default, which could result in a decline in the market values of a Fund’s debt securities;


· income volatility risk—The risk that the level of current income from a Fund’s portfolio of fixed-income securities may decline due to rapid and unpredictable changes in prevailing market interest rates; and


· call risk—The risk that, during periods of falling interest rates, an issuer may call (or repay) a fixed-income security prior to maturity, resulting in a decline in a Fund’s income.


· Direct Real Estate Underlying Funds Risks—The risks of investing in direct real estate Underlying Funds include risks specific to their investment strategies, as well as risks related to investing in real estate in general, such as:


· real estate-related investment risk—The risks associated with exposure to direct real estate through investing in investment vehicles managed by Advisors that will primarily invest directly in real estate, which can include declines in real estate values or revenues, uninsured losses at properties, the absence of regulatory oversight of and a secondary market for interests in direct real estate Underlying Funds, a scarcity of interests issued by direct real estate Underlying Funds, making it difficult for the Fund to achieve its target allocation, and illiquidity of interests in direct real estate Underlying Funds.


· Active Management Risk—The risk that the strategy, investment selection or trading execution of Advisors could cause the Fund or an Underlying Fund to underperform its benchmark index or mutual funds with similar investment objectives.


· Fund of Funds Risk—The ability of the Fund to achieve its investment objective will depend in part upon the ability of the Underlying Funds to achieve their investment objectives. There can be no guarantee that any Underlying Fund will achieve its investment objective.


There can be no assurances that the Fund will achieve its investment objective. You should not consider the Fund to be a complete investment program. Please see the non-summary portion of the Prospectus for more detailed information about the risks described above, including the risks of the Underlying Funds.

Risk Lose Money [Text] rr_RiskLoseMoney You could lose money over short or long periods by investing in this Fund.
Bar Chart and Performance Table [Heading] rr_BarChartAndPerformanceTableHeading Past performance
Performance Narrative [Text Block] rr_PerformanceNarrativeTextBlock

The following chart and table help illustrate some of the risks of investing in the Fund by showing changes in the Fund’s performance from year to year. The bar chart shows the annual total returns of the Retirement Class of the Fund, before taxes, in each full calendar year for the last ten years. Because the expenses vary across share classes, the performance of the Retirement Class may vary from the other share classes. Below the bar chart are the best and worst returns of the Retirement Class for a calendar quarter during the full calendar-year periods covered by the bar chart. The performance table following the bar chart shows the Fund’s average annual total returns for the Retirement, Institutional, Advisor and Premier classes over the applicable one-year, five-year, ten-year and since-inception periods ended December 31, 2018, and how those returns compare to those of a broad-based securities market index and a composite index that represents the market sectors in which the Fund invests across the equity and fixed-income asset classes. After-tax performance is shown only for the Retirement Class shares, and after-tax returns for the other classes of shares will vary from the after-tax returns presented for Retirement Class shares.


The returns shown below reflect previous agreements by Advisors to waive or reimburse the Fund and certain Underlying Funds for certain fees and expenses. Without these waivers and reimbursements, the returns of the Fund would have been lower. Past performance of the Fund (before and after taxes) is not necessarily an indication of how it will perform in the future. The indices listed below are unmanaged, and you cannot invest directly in an index. The returns for the indices reflect no deduction for fees, expenses or taxes.


For current performance information of each share class, including performance to the most recent month-end, please visit www.tiaa.org.

Performance Information Illustrates Variability of Returns [Text] rr_PerformanceInformationIllustratesVariabilityOfReturns The following chart and table help illustrate some of the risks of investing in the Fund by showing changes in the Fund’s performance from year to year.
Performance Additional Market Index [Text] rr_PerformanceAdditionalMarketIndex As of the close of business on December 31, 2018, the Lifecycle 2010 Fund Composite Index consisted of: 39.7% Bloomberg Barclays U.S. Aggregate Bond Index; 29.0% Russell 3000® Index; 12.5% MSCI All Country World Index ex USA Investable Market Index; 9.4% Bloomberg Barclays U.S. 1–3 Year Government/Credit Bond Index; and 9.4% Bloomberg Barclays U.S. Treasury Inflation Protected Securities (TIPS) 1-10 Year Index. The Fund’s composite benchmark, the components that make up a composite benchmark and the method of calculating a composite benchmark’s performance may vary over time.
Performance Availability Website Address [Text] rr_PerformanceAvailabilityWebSiteAddress www.tiaa.org
Performance Past Does Not Indicate Future [Text] rr_PerformancePastDoesNotIndicateFuture Past performance of the Fund (before and after taxes) is not necessarily an indication of how it will perform in the future.
Bar Chart [Heading] rr_BarChartHeading ANNUAL TOTAL RETURNS FOR THE RETIREMENT CLASS SHARES (%)† Lifecycle 2010 Fund
Bar Chart Footnotes [Text Block] rr_BarChartFootnotesTextBlock

 The year-to-date return as of the most recent calendar quarter, which ended on June 30, 2019, was 10.08%.

Bar Chart Closing [Text Block] rr_BarChartClosingTextBlock

Best quarter: 10.87%, for the quarter ended June 30, 2009. Worst quarter: -7.99%, for the quarter ended September 30, 2011.

Year to Date Return, Label rr_YearToDateReturnLabel The year-to-date return as of the most recent calendar quarter, which ended on June 30, 2019, was
Bar Chart, Year to Date Return, Date rr_BarChartYearToDateReturnDate Jun. 30, 2019
Bar Chart, Year to Date Return rr_BarChartYearToDateReturn 10.08%
Highest Quarterly Return, Label rr_HighestQuarterlyReturnLabel Best quarter:
Highest Quarterly Return, Date rr_BarChartHighestQuarterlyReturnDate Jun. 30, 2009
Highest Quarterly Return rr_BarChartHighestQuarterlyReturn 10.87%
Lowest Quarterly Return, Label rr_LowestQuarterlyReturnLabel Worst quarter:
Lowest Quarterly Return, Date rr_BarChartLowestQuarterlyReturnDate Sep. 30, 2011
Lowest Quarterly Return rr_BarChartLowestQuarterlyReturn (7.99%)
Index No Deduction for Fees, Expenses, Taxes [Text] rr_IndexNoDeductionForFeesExpensesTaxes (reflects no deductions for fees, expenses or taxes)
Performance Table Uses Highest Federal Rate rr_PerformanceTableUsesHighestFederalRate After-tax returns are calculated using the historical highest individual federal marginal income tax rates in effect during the periods shown and do not reflect the impact of state and local taxes.
Performance Table Not Relevant to Tax Deferred rr_PerformanceTableNotRelevantToTaxDeferred The after-tax returns shown are not relevant to investors who hold their Fund shares through tax-deferred arrangements such as 401(a), 401(k) or 403(b) plans or Individual Retirement Accounts (IRAs).
Performance Table One Class of after Tax Shown [Text] rr_PerformanceTableOneClassOfAfterTaxShown After-tax performance is shown only for the Retirement Class shares, and after-tax returns for the other classes of shares will vary from the after-tax returns presented for Retirement Class shares.
Performance Table Closing [Text Block] rr_PerformanceTableClosingTextBlock

Current performance of the Fund’s shares may be higher or lower than that shown above.


After-tax returns are calculated using the historical highest individual federal marginal income tax rates in effect during the periods shown and do not reflect the impact of state and local taxes. Actual after-tax returns depend on the investor’s tax situation and may differ from those shown. The after-tax returns shown are not relevant to investors who hold their Fund shares through tax-deferred arrangements such as 401(a), 401(k) or 403(b) plans or Individual Retirement Accounts (IRAs). After-tax returns are shown for only one class, and after-tax returns for other classes will vary.

Average Annual Return, Caption rr_AverageAnnualReturnCaption AVERAGE ANNUAL TOTAL RETURNS For the Periods Ended December 31, 2018
TIAA-CREF Lifecycle 2010 Fund | S&P Target Date 2010 Index  
Risk/Return: rr_RiskReturnAbstract  
1 Year rr_AverageAnnualReturnYear01 (3.10%)
5 Years rr_AverageAnnualReturnYear05 3.40%
10 Years rr_AverageAnnualReturnYear10 6.24%
TIAA-CREF Lifecycle 2010 Fund | Lifecycle 2010 Fund Composite Index (reflects no deductions for fees, expenses or taxes)  
Risk/Return: rr_RiskReturnAbstract  
1 Year rr_AverageAnnualReturnYear01 (3.05%) [1]
5 Years rr_AverageAnnualReturnYear05 3.90% [1]
10 Years rr_AverageAnnualReturnYear10 7.19% [1]
TIAA-CREF Lifecycle 2010 Fund | Institutional Class  
Risk/Return: rr_RiskReturnAbstract  
Maximum sales charge imposed on purchases (percentage of offering price) rr_MaximumSalesChargeImposedOnPurchasesOverOfferingPrice none
Maximum deferred sales charge rr_MaximumDeferredSalesChargeOverOfferingPrice none
Maximum sales charge imposed on reinvested dividends and other distributions rr_MaximumSalesChargeOnReinvestedDividendsAndDistributionsOverOther none
Redemption or exchange fee rr_RedemptionFeeOverRedemption none
Maximum account fee rr_MaximumAccountFeeOverAssets none
Management fees rr_ManagementFeesOverAssets 0.42% [2],[3]
Other expenses rr_OtherExpensesOverAssets 0.05% [2],[3]
Acquired Fund fees and expenses rr_AcquiredFundFeesAndExpensesOverAssets 0.03% [4]
Total annual Fund operating expenses rr_ExpensesOverAssets 0.50%
Waivers and expense reimbursements rr_FeeWaiverOrReimbursementOverAssets (0.13%) [5],[6]
Total annual Fund operating expenses after fee waiver and/or expense reimbursement rr_NetExpensesOverAssets 0.37%
Expense Example, with Redemption, 1 Year rr_ExpenseExampleYear01 $ 38
Expense Example, with Redemption, 3 Years rr_ExpenseExampleYear03 125
Expense Example, with Redemption, 5 Years rr_ExpenseExampleYear05 245
Expense Example, with Redemption, 10 Years rr_ExpenseExampleYear10 $ 595
1 Year rr_AverageAnnualReturnYear01 (3.92%)
5 Years rr_AverageAnnualReturnYear05 3.85%
10 Years rr_AverageAnnualReturnYear10 7.56%
Inception Date rr_AverageAnnualReturnInceptionDate Jan. 17, 2007
TIAA-CREF Lifecycle 2010 Fund | Advisor Class  
Risk/Return: rr_RiskReturnAbstract  
Maximum sales charge imposed on purchases (percentage of offering price) rr_MaximumSalesChargeImposedOnPurchasesOverOfferingPrice none
Maximum deferred sales charge rr_MaximumDeferredSalesChargeOverOfferingPrice none
Maximum sales charge imposed on reinvested dividends and other distributions rr_MaximumSalesChargeOnReinvestedDividendsAndDistributionsOverOther none
Redemption or exchange fee rr_RedemptionFeeOverRedemption none
Maximum account fee rr_MaximumAccountFeeOverAssets none
Management fees rr_ManagementFeesOverAssets 0.42% [2],[3]
Other expenses rr_OtherExpensesOverAssets 0.13% [2],[3]
Acquired Fund fees and expenses rr_AcquiredFundFeesAndExpensesOverAssets 0.03% [4]
Total annual Fund operating expenses rr_ExpensesOverAssets 0.58%
Waivers and expense reimbursements rr_FeeWaiverOrReimbursementOverAssets (0.13%) [5],[6]
Total annual Fund operating expenses after fee waiver and/or expense reimbursement rr_NetExpensesOverAssets 0.45%
Expense Example, with Redemption, 1 Year rr_ExpenseExampleYear01 $ 46
Expense Example, with Redemption, 3 Years rr_ExpenseExampleYear03 151
Expense Example, with Redemption, 5 Years rr_ExpenseExampleYear05 289
Expense Example, with Redemption, 10 Years rr_ExpenseExampleYear10 $ 693
1 Year rr_AverageAnnualReturnYear01 (3.94%)
5 Years rr_AverageAnnualReturnYear05 3.73% [7]
10 Years rr_AverageAnnualReturnYear10 7.37% [7]
Inception Date rr_AverageAnnualReturnInceptionDate Dec. 04, 2015
TIAA-CREF Lifecycle 2010 Fund | Premier Class  
Risk/Return: rr_RiskReturnAbstract  
Maximum sales charge imposed on purchases (percentage of offering price) rr_MaximumSalesChargeImposedOnPurchasesOverOfferingPrice none
Maximum deferred sales charge rr_MaximumDeferredSalesChargeOverOfferingPrice none
Maximum sales charge imposed on reinvested dividends and other distributions rr_MaximumSalesChargeOnReinvestedDividendsAndDistributionsOverOther none
Redemption or exchange fee rr_RedemptionFeeOverRedemption none
Maximum account fee rr_MaximumAccountFeeOverAssets none
Management fees rr_ManagementFeesOverAssets 0.42% [2],[3]
Distribution (Rule 12b-1) fees rr_DistributionAndService12b1FeesOverAssets 0.15%
Other expenses rr_OtherExpensesOverAssets 0.05% [2],[3]
Acquired Fund fees and expenses rr_AcquiredFundFeesAndExpensesOverAssets 0.03% [4]
Total annual Fund operating expenses rr_ExpensesOverAssets 0.65%
Waivers and expense reimbursements rr_FeeWaiverOrReimbursementOverAssets (0.13%) [5],[6]
Total annual Fund operating expenses after fee waiver and/or expense reimbursement rr_NetExpensesOverAssets 0.52%
Expense Example, with Redemption, 1 Year rr_ExpenseExampleYear01 $ 53
Expense Example, with Redemption, 3 Years rr_ExpenseExampleYear03 173
Expense Example, with Redemption, 5 Years rr_ExpenseExampleYear05 328
Expense Example, with Redemption, 10 Years rr_ExpenseExampleYear10 $ 778
1 Year rr_AverageAnnualReturnYear01 (4.09%)
5 Years rr_AverageAnnualReturnYear05 3.68%
10 Years rr_AverageAnnualReturnYear10 7.39% [7]
Inception Date rr_AverageAnnualReturnInceptionDate Sep. 30, 2009
TIAA-CREF Lifecycle 2010 Fund | Retirement Class  
Risk/Return: rr_RiskReturnAbstract  
Maximum sales charge imposed on purchases (percentage of offering price) rr_MaximumSalesChargeImposedOnPurchasesOverOfferingPrice none
Maximum deferred sales charge rr_MaximumDeferredSalesChargeOverOfferingPrice none
Maximum sales charge imposed on reinvested dividends and other distributions rr_MaximumSalesChargeOnReinvestedDividendsAndDistributionsOverOther none
Redemption or exchange fee rr_RedemptionFeeOverRedemption none
Maximum account fee rr_MaximumAccountFeeOverAssets none
Management fees rr_ManagementFeesOverAssets 0.42% [2],[3]
Other expenses rr_OtherExpensesOverAssets 0.30% [2],[3]
Acquired Fund fees and expenses rr_AcquiredFundFeesAndExpensesOverAssets 0.03% [4]
Total annual Fund operating expenses rr_ExpensesOverAssets 0.75%
Waivers and expense reimbursements rr_FeeWaiverOrReimbursementOverAssets (0.13%) [5],[6]
Total annual Fund operating expenses after fee waiver and/or expense reimbursement rr_NetExpensesOverAssets 0.62%
Expense Example, with Redemption, 1 Year rr_ExpenseExampleYear01 $ 63
Expense Example, with Redemption, 3 Years rr_ExpenseExampleYear03 205
Expense Example, with Redemption, 5 Years rr_ExpenseExampleYear05 383
Expense Example, with Redemption, 10 Years rr_ExpenseExampleYear10 $ 898
Annual Return 2009 rr_AnnualReturn2009 19.36%
Annual Return 2010 rr_AnnualReturn2010 11.53%
Annual Return 2011 rr_AnnualReturn2011 1.48%
Annual Return 2012 rr_AnnualReturn2012 12.27%
Annual Return 2013 rr_AnnualReturn2013 11.78%
Annual Return 2014 rr_AnnualReturn2014 4.38%
Annual Return 2015 rr_AnnualReturn2015 0.07%
Annual Return 2016 rr_AnnualReturn2016 5.98%
Annual Return 2017 rr_AnnualReturn2017 12.39%
Annual Return 2018 rr_AnnualReturn2018 (4.11%)
1 Year rr_AverageAnnualReturnYear01 (4.11%)
5 Years rr_AverageAnnualReturnYear05 3.59%
10 Years rr_AverageAnnualReturnYear10 7.30%
Inception Date rr_AverageAnnualReturnInceptionDate Oct. 15, 2004
TIAA-CREF Lifecycle 2010 Fund | Retirement Class | After Taxes on Distributions  
Risk/Return: rr_RiskReturnAbstract  
1 Year rr_AverageAnnualReturnYear01 (5.61%)
5 Years rr_AverageAnnualReturnYear05 2.22%
10 Years rr_AverageAnnualReturnYear10 6.16%
TIAA-CREF Lifecycle 2010 Fund | Retirement Class | After Taxes on Distributions and Sale of Fund Shares  
Risk/Return: rr_RiskReturnAbstract  
1 Year rr_AverageAnnualReturnYear01 (1.86%)
5 Years rr_AverageAnnualReturnYear05 2.39%
10 Years rr_AverageAnnualReturnYear10 5.53%
[1] As of the close of business on December 31, 2018, the Lifecycle 2010 Fund Composite Index consisted of: 39.7% Bloomberg Barclays U.S. Aggregate Bond Index; 29.0% Russell 3000® Index; 12.5% MSCI All Country World Index ex USA Investable Market Index; 9.4% Bloomberg Barclays U.S. 1-3 Year Government/Credit Bond Index; and 9.4% Bloomberg Barclays U.S. Treasury Inflation Protected Securities (TIPS) 1-10 Year Index. The Fund's composite benchmark, the components that make up a composite benchmark and the method of calculating a composite benchmark's performance may vary over time.
[2] Portions of the Management fees and Other expenses are based on expenses originally incurred by Class W shares of the Underlying Funds (as defined below) of the Trust, which have been incurred directly by the Fund pursuant to certain contractual arrangements intended to reallocate directly to the Fund certain fees and expenses that had been paid by the Underlying Funds of the Trust. For additional information, please see the "Management of the Funds" section of this Prospectus.
[3] Restated to reflect estimates for the current fiscal year.
[4] "Acquired Fund fees and expenses" are the Fund's proportionate amount of the expenses of any investment companies or pools in which it invests (excluding expenses originally incurred by Class W of the Underlying Funds of the Trust that have been incurred directly by the Fund, which are instead reflected in Management fees and Other expenses). These expenses are not paid directly by Fund shareholders. Instead, Fund shareholders bear these expenses indirectly because they reduce Fund performance. Because "Acquired Fund fees and expenses" are included in the chart above, the Fund's operating expenses here will not correlate with the expenses included in the Financial highlights in this Prospectus and the Fund's annual report.
[5] Advisors has contractually agreed to waive 0.10% of the Fund's Management fee. This waiver will remain in effect through September 30, 2022, unless changed with the approval of the Board of Trustees.
[6] Under the Fund's expense reimbursement arrangements, the Fund's investment adviser, Teachers Advisors, LLC ("Advisors"), has contractually agreed to reimburse the Fund for any Total annual Fund operating expenses (excluding interest, taxes, brokerage commissions or other transactional expenses, Acquired Fund fees and expenses, extraordinary expenses and any expenses originally attributable to Class W shares of the Underlying Funds of the Trust that were incurred directly by the Fund) that exceed: (i) 0.00% of average daily net assets for Institutional Class shares; (ii) 0.15% of average daily net assets for Advisor Class shares; (iii) 0.15% of average daily net assets for Premier Class shares; and (iv) 0.25% of average daily net assets for Retirement Class shares of the Fund. These expense reimbursement arrangements will continue through at least September 30, 2020, unless changed with approval of the Board of Trustees.
[7] The performance shown for the Advisor and Premier classes that is prior to their inception dates is based on performance of the Fund's Retirement Class. The performance for these periods has not been restated to reflect the lower expenses of the Advisor and Premier classes.

XML 94 R142.htm IDEA: XBRL DOCUMENT v3.19.3
TIAA-CREF Lifecycle Index 2045 Fund
TIAA-CREF Lifecycle Index 2045 Fund
Investment objective

The Lifecycle Index 2045 Fund seeks high total return over time through a combination of capital appreciation and income.

Fees and expenses

This table describes the fees and expenses that you may pay if you buy and hold shares of the Fund. In addition to the fees and expenses described below, investors may be required to pay a commission to a broker-dealer or other financial intermediary on purchases and sales of Institutional Class or Advisor Class shares of the Fund.

SHAREHOLDER FEES (fees paid directly from your investment)
Shareholder Fees - TIAA-CREF Lifecycle Index 2045 Fund
Institutional Class
Advisor Class
Premier Class
Retirement Class
Maximum sales charge imposed on purchases (percentage of offering price) none none none none
Maximum deferred sales charge none none none none
Maximum sales charge imposed on reinvested dividends and other distributions none none none none
Redemption or exchange fee none none none none
Maximum account fee none none none none
ANNUAL FUND OPERATING EXPENSES (expenses that you pay each year as a percentage of the value of your investment)
Annual Fund Operating Expenses - TIAA-CREF Lifecycle Index 2045 Fund
Institutional Class
Advisor Class
Premier Class
Retirement Class
Management fees [1],[2] 0.15% 0.15% 0.15% 0.15%
Distribution (Rule 12b-1) fees     0.15%  
Other expenses [1],[2] 0.04% 0.14% 0.04% 0.29%
Total annual Fund operating expenses 0.19% 0.29% 0.34% 0.44%
Waivers and expense reimbursements [3],[4] (0.09%) (0.10%) (0.09%) (0.09%)
Total annual Fund operating expenses after fee waiver and/or expense reimbursement 0.10% 0.19% 0.25% 0.35%
[1] Portions of the Management fees and Other expenses are based on expenses originally incurred by Class W shares of the Underlying Funds (as defined below) of the Trust, which have been incurred directly by the Fund pursuant to certain contractual arrangements intended to reallocate directly to the Fund certain fees and expenses that had been paid by the Underlying Funds of the Trust. For additional information, please see the "Management of the Funds" section of this Prospectus.
[2] Restated to reflect estimates for the current fiscal year.
[3] Advisors has contractually agreed to waive 0.062% of the Fund's Management fee. This waiver will remain in effect through September 30, 2020, unless changed with the approval of the Board of Trustees.
[4] Under the Fund's expense reimbursement arrangements, the Fund's investment adviser, Teachers Advisors, LLC ("Advisors"), has contractually agreed to reimburse the Fund for any Total annual Fund operating expenses (excluding interest, taxes, brokerage commissions or other transactional expenses, Acquired Fund fees and expenses, extraordinary expenses and any expenses originally attributable to Class W shares of the Underlying Funds of the Trust that were incurred directly by the Fund) that exceed: (i) 0.038% of average daily net assets for Institutional Class shares; (ii) 0.188% of average daily net assets for Advisor Class shares; (iii) 0.188% of average daily net assets for Premier Class shares; and (iv) 0.288% of average daily net assets for Retirement Class shares of the Fund. These expense reimbursement arrangements will continue through at least September 30, 2020, unless changed with approval of the Board of Trustees.
Example

This example is intended to help you compare the cost of investing in shares of the Fund with the cost of investing in other mutual funds. The example assumes that you invest $10,000 in the Fund for the time periods indicated and then redeem all your shares at the end of those periods. The example also assumes that your investment has a 5% return each year and that the Fund’s operating expenses, before fee waivers and/or expense reimbursements, remain the same. The example assumes that the Fund’s fee waiver and/or expense reimbursement arrangements will each remain in place for the durations noted in the table above. Although your actual costs may be higher or lower, based on these assumptions your costs would be:

Expense Example - TIAA-CREF Lifecycle Index 2045 Fund - USD ($)
Institutional Class
Advisor Class
Premier Class
Retirement Class
1 year $ 10 $ 19 $ 26 $ 36
3 years 52 83 100 132
5 years 98 153 182 237
10 years $ 234 $ 358 $ 422 $ 546
Portfolio turnover

The Fund pays transaction costs, such as commissions, when it buys and sells securities (or “turns over” its portfolio). A higher portfolio turnover rate may indicate higher transaction costs and may result in higher taxes when Fund shares are held in a taxable account. These costs, which are not reflected in annual fund operating expenses or in the example, affect the Fund’s performance. During the fiscal year ended May 31, 2019, the Fund’s portfolio turnover rate was 4% of the average value of its portfolio.

Principal investment strategies

The Fund is a “fund of funds” that invests in Class W shares of other funds of the Trust and potentially in other investment pools or investment products, including other funds advised by the Fund’s investment adviser, Teachers Advisors, LLC (“Advisors”), or its affiliates (collectively, the “Underlying Funds”). In general, the Fund is designed for investors who have an approximate target retirement year in mind, and the Fund’s investments are adjusted from more aggressive to more conservative over time as the Fund’s target retirement year approaches and for approximately 30 years afterwards. The Fund invests in Underlying Funds according to an asset allocation strategy designed for investors retiring in, or planning to retire within a few years of, 2045 and who may begin taking systematic withdrawals upon retirement. The Fund has a policy of investing at least 80% of its assets (net assets, plus the amount of any borrowings for investment purposes) in Underlying Funds that are managed to seek investment returns that track particular market indices.


Advisors currently expects to allocate approximately 90.00% of the Fund’s assets to equity Underlying Funds and 10.00% of its assets to fixed-income Underlying Funds. These allocations represent targets for equity and fixed-income asset classes. Target allocations will change over time and actual allocations may vary up to ten percentage points from the targets. The target allocations along the investment glidepath, illustrated in the chart below, gradually become more conservative, moving to target allocations of approximately 50.00% equity/50.00% fixed-income in the Fund’s target retirement year of 2045 and reaching the Fund’s final target allocation of approximately 20.00% equity/80.00% fixed-income in 2075. Within the equity and fixed-income asset classes, Advisors allocates the Fund’s investments to particular market sectors (U.S. equity, international equity, fixed-income, short-term fixed-income and inflation-protected assets) represented by various Underlying Funds. These market sector allocations may vary by up to 10% from the Fund’s target market sector allocations. The Fund’s current target market sector allocations for June 30, 2020, which will change over time, are approximately as follows: U.S. Equity: 63.00%; International Equity: 27.00%; Fixed-Income: 10.00; Short-Term Fixed-Income: 0.00%; and Inflation-Protected Assets: 0.00%. The asset class and market sector names used herein are intended to reflect the primary type of investment of the Underlying Funds within each of these categories.


The Fund’s target market sector allocations to Underlying Funds may include the TIAA-CREF Equity Index Fund (U.S. Equity); Emerging Markets Equity Index Fund and International Equity Index Fund (International Equity); Bond Index Fund (Fixed-Income); Short-Term Bond Index Fund (Short-Term Fixed-Income); and Inflation-Linked Bond Fund (Inflation-Protected Assets).


Additional or replacement Underlying Funds for each market sector, as well as additional or replacement market sectors, may be included when making future allocations if Advisors believes that such Underlying Funds and/or market sectors are appropriate in light of the Fund’s desired levels of risk and potential return at the particular time. The Fund’s portfolio management team may also add a new market sector if it believes that will help to achieve the Fund’s investment objective. The relative allocations among Underlying Funds within a market sector may be changed at any time without notice to shareholders. If 10% or more of the Fund’s assets are expected to be invested in any Underlying Fund or market sector not listed above, shareholders will receive prior notice of such change.


The Fund’s asset class allocations, market sector allocations within each asset class, and Underlying Fund allocations within each market sector, as of June 30, 2019, are listed in the chart below. These allocations will change over time. Underlying Fund allocations in particular may change from year to year.


        

Asset Class

Allocation

  

Market Sector

Allocation

 

Underlying Funds

Allocation

Equity

90.44%

 

U.S. Equity

63.43%

 

Ÿ Equity Index Fund

63.43%

   

International Equity

27.01%

 

Ÿ International Equity Index Fund

19.37%

      

Ÿ Emerging Markets Equity Index Fund

7.64%

Fixed-Income

9.56%

 

Fixed-Income

9.56%

 

Ÿ Bond Index Fund

9.56%


        

Total

100.00%

  

100.00%

  

100.00%


The following chart shows how the investment glidepath for the Fund is expected to gradually move the Fund’s target allocations over time between the different target market sector allocations. The actual market sector allocations of the Fund may differ from this chart. The Fund seeks to achieve its final target market sector allocations approximately 30 years following the target date.


Lifecycle Index Funds Glidepath as of June 30, 2020
Years to Target Retirement Date US Equities International Equities Fixed Income Short Term Fixed Income Inflation Protected Bonds
45 66.50% 28.50% 5.00% 0.00% 0.00%
40 65.62% 28.13% 6.25% 0.00% 0.00%
35 64.75% 27.75% 7.50% 0.00% 0.00%
30 63.87% 27.38% 8.75% 0.00% 0.00%
25 63.00% 27.00% 10.00% 0.00% 0.00%
20 57.40% 24.60% 18.00% 0.00% 0.00%
15 51.80% 22.20% 26.00% 0.00% 0.00%
10 46.20% 19.80% 30.00% 2.00% 2.00%
5 40.60% 17.40% 34.00% 4.00% 4.00%
0 35.00% 15.00% 38.00% 6.00% 6.00%
-5 31.50% 13.50% 39.00% 8.00% 8.00%
-10 28.00% 12.00% 40.00% 10.00% 10.00%
-15 24.50% 10.50% 40.00% 15.00% 10.00%
-20 21.00% 9.00% 40.00% 20.00% 10.00%
-25 17.50% 7.50% 40.00% 25.00% 10.00%
-30 14.00% 6.00% 40.00% 30.00% 10.00%

The Fund is designed to accommodate investors who invest in a fund up to their target retirement date, and plan to make gradual systematic withdrawals in retirement. In addition, investors should note that the Fund will continue to have a significant level of equity exposure up to, through and after its target retirement date, and this exposure could cause significant fluctuations in the value of the Fund depending on the performance of the equity markets generally.


After the Fund reaches its final target allocation, the Board of Trustees may authorize the merger of the Fund into another Lifecycle Index Fund which has also reached its final target allocation or other similar fund designed to maintain a relatively stable asset allocation reflecting the resting point on the glidepath described in the chart above. Fund shareholders will receive prior notice of any such merger.

Principal investment risks

You could lose money over short or long periods by investing in this Fund. An investment in the Fund, due to the nature of the Fund’s portfolio holdings, typically is subject to the following principal investment risks:


· Asset Allocation Risk—The risk that the Fund may not achieve its target allocations. In addition, there is the risk that the asset allocations may not achieve the desired risk-return characteristic or that the selection of Underlying Funds and the allocations among them will result in the Fund underperforming other similar funds or cause an investor to lose money.


· Index Risk—The risk that the Fund’s performance may not correspond to its benchmark index for any period of time and may underperform such index or the overall financial market. Additionally, to the extent that the Fund’s investments vary from the composition of its benchmark index, the Fund’s performance could potentially vary from the index’s performance to a greater extent than if the Fund merely attempted to replicate the index.


· Underlying Funds Risks—The Fund is exposed to the risks of the Underlying Funds in which it invests in direct proportion to the amount of assets the Fund allocates to each Underlying Fund.


· Equity Underlying Funds Risks—The risks of investing in equity Underlying Funds include risks specific to their investment strategies, as well as risks related to the equity markets in general, such as:


· market risk—The risk that the price of equity investments may decline in response to general market and economic conditions or events, including conditions and developments outside of the financial markets;


· issuer risk—The risk that an issuer’s earnings prospects and overall financial position will deteriorate, causing a decline in the value of the issuer’s financial instruments over short or extended periods of time; and


· foreign investment risk—The increased risks of adverse issuer, political, regulatory, currency, market or economic developments compared to investments in U.S. issuers, which can result in greater market and price volatility.


· Fixed-Income Underlying Funds Risks—The risks of investing in fixed-income Underlying Funds include risks specific to their investment strategies, as well as risks related to the fixed-income markets in general, such as:


· interest rate risk—The risk that the value or yield of fixed-income investments may decline if interest rates change, which could adversely affect a Fund’s income or the value of its holdings;


· extension risk—The risk that during periods of rising interest rates, borrowers may pay off their mortgage loans later than expected, preventing a Fund from reinvesting principal proceeds at higher interest rates and resulting in less income than potentially available;


· issuer risk—The risk that an issuer’s earnings prospects and overall financial position will deteriorate, causing a decline in the value of the issuer’s financial instruments over short or extended periods of time;


· credit risk—The risk that a decline in an issuer’s financial position may prevent it from making principal and interest payments on fixed-income investments held by a Fund when due;


· credit spread risk—The risk that credit spreads (i.e., the difference in yield between securities that is due to differences in each security’s respective credit quality) may increase when market participants believe that bonds generally have a greater risk of default, which could result in a decline in the market values of a Fund’s debt securities;


· income volatility risk—The risk that the level of current income from a Fund’s portfolio of fixed-income securities may decline due to rapid and unpredictable changes in prevailing market interest rates; and


· call risk—The risk that, during periods of falling interest rates, an issuer may call (or repay) a fixed-income security prior to maturity, resulting in a decline in a Fund’s income.


· Active Management Risk—The risk that the strategy, investment selection or trading execution of Advisors could cause the Fund or an Underlying Fund to underperform its benchmark index or mutual funds with similar investment objectives.


· Fund of Funds Risk—The ability of the Fund to achieve its investment objective will depend in part upon the ability of the Underlying Funds to achieve their investment objectives. There can be no guarantee that any Underlying Fund will achieve its investment objective.


There can be no assurances that the Fund will achieve its investment objective. You should not consider the Fund to be a complete investment program. Please see the non-summary portion of the Prospectus for more detailed information about the risks described above, including the risks of the Underlying Funds.

Past performance

The following chart and table help illustrate some of the risks of investing in the Fund by showing changes in the Fund’s performance from year to year. The bar chart shows the annual total returns of the Retirement Class of the Fund, before taxes, in each full calendar year since inception of the Retirement Class. Because the expenses vary across share classes, the performance of the Retirement Class may vary from the other share classes. Below the bar chart are the best and worst returns of the Retirement Class for a calendar quarter during the full calendar-year periods covered by the bar chart. The performance table following the bar chart shows the Fund’s average annual total returns for the Retirement, Institutional, Advisor and Premier classes over the applicable one-year, five-year, ten-year and since-inception periods ended December 31, 2018, and how those returns compare to those of a broad-based securities market index and a composite index based on the Fund’s target allocations. After-tax performance is shown only for the Retirement Class shares, and after-tax returns for the other classes of shares will vary from the after-tax returns presented for Retirement Class shares.


The returns shown below reflect previous agreements by Advisors to waive or reimburse the Fund and certain Underlying Funds for certain fees and expenses. Without these waivers and reimbursements, the returns of the Fund would have been lower. Past performance of the Fund (before and after taxes) is not necessarily an indication of how it will perform in the future. The indices listed below are unmanaged, and you cannot invest directly in an index. The returns for the indices reflect no deduction for fees, expenses or taxes.


For current performance information of each share class, including performance to the most recent month-end, please visit www.tiaa.org.

ANNUAL TOTAL RETURNS FOR THE RETIREMENT CLASS SHARES (%)† Lifecycle Index 2045 Fund
Bar Chart

 The year-to-date return as of the most recent calendar quarter, which ended on June 30, 2019, was 15.76%.

Best quarter: 11.95%, for the quarter ended September 30, 2010. Worst quarter: -14.77%, for the quarter ended September 30, 2011.

AVERAGE ANNUAL TOTAL RETURNS For the Periods Ended December 31, 2018
Average Annual Returns - TIAA-CREF Lifecycle Index 2045 Fund
1 Year
5 Years
Since Inception
Inception Date
Retirement Class (7.12%) 5.26% 8.72% Sep. 30, 2009
Institutional Class (6.92%) 5.52% 8.98% Sep. 30, 2009
Advisor Class (7.04%) 5.38% [1] 8.78% [1] Dec. 04, 2015
Premier Class (7.04%) 5.37% 8.83% Sep. 30, 2009
After Taxes on Distributions | Retirement Class (7.67%) 4.66% 8.19%  
After Taxes on Distributions and Sale of Fund Shares | Retirement Class (3.87%) 4.01% 7.02%  
S&P Target Date 2045 Index (7.74%) 4.91% 8.49% [2]  
Lifecycle Index 2045 Fund Composite Index (reflects no deductions for fees, expenses or taxes) [3] (7.03%) 5.59% 9.10% [2]  
[1] The performance shown for the Advisor Class that is prior to its inception date is based on performance of the Fund's Retirement Class. The performance for these periods has not been restated to reflect the lower expenses of the Advisor Class.
[2] Performance is calculated from the inception date of the Retirement Class.
[3] As of the close of business on December 31, 2018, the Lifecycle Index 2045 Fund Composite Index consisted of: 63.3% Russell 3000® Index; 27.1% MSCI EAFE + Emerging Markets Index; and 9.6% Bloomberg Barclays U.S. Aggregate Bond Index. The Fund's composite benchmark, the components that make up a composite benchmark and the method of calculating a composite benchmark's performance may vary over time.

Current performance of the Fund’s shares may be higher or lower than that shown above.


After-tax returns are calculated using the historical highest individual federal marginal income tax rates in effect during the periods shown and do not reflect the impact of state and local taxes. Actual after-tax returns depend on the investor’s tax situation and may differ from those shown. The after-tax returns shown are not relevant to investors who hold their Fund shares through tax-deferred arrangements such as 401(a), 401(k) or 403(b) plans or Individual Retirement Accounts (IRAs). After-tax returns are shown for only one class, and after-tax returns for other classes will vary.

XML 95 R36.htm IDEA: XBRL DOCUMENT v3.19.3
Label Element Value
TIAA-CREF Lifecycle 2025 Fund  
Risk/Return: rr_RiskReturnAbstract  
Risk/Return [Heading] rr_RiskReturnHeading TIAA-CREF Lifecycle 2025 Fund
Objective [Heading] rr_ObjectiveHeading Investment objective
Objective, Primary [Text Block] rr_ObjectivePrimaryTextBlock

The Lifecycle 2025 Fund seeks high total return over time through a combination of capital appreciation and income.

Expense [Heading] rr_ExpenseHeading Fees and expenses
Expense Narrative [Text Block] rr_ExpenseNarrativeTextBlock

This table describes the fees and expenses that you may pay if you buy and hold shares of the Fund. In addition to the fees and expenses described below, investors may be required to pay a commission to a broker-dealer or other financial intermediary on purchases and sales of Institutional Class or Advisor Class shares of the Fund.

Shareholder Fees Caption [Text] rr_ShareholderFeesCaption SHAREHOLDER FEES (fees paid directly from your investment)
Operating Expenses Caption [Text] rr_OperatingExpensesCaption ANNUAL FUND OPERATING EXPENSES (expenses that you pay each year as a percentage of the value of your investment)
Fee Waiver or Reimbursement over Assets, Date of Termination rr_FeeWaiverOrReimbursementOverAssetsDateOfTermination Sep. 30, 2020
Portfolio Turnover [Heading] rr_PortfolioTurnoverHeading Portfolio turnover
Portfolio Turnover [Text Block] rr_PortfolioTurnoverTextBlock

The Fund pays transaction costs, such as commissions, when it buys and sells securities (or “turns over” its portfolio). A higher portfolio turnover rate may indicate higher transaction costs and may result in higher taxes when Fund shares are held in a taxable account. These costs, which are not reflected in annual fund operating expenses or in the example, affect the Fund’s performance. During the fiscal year ended May 31, 2019, the Fund’s portfolio turnover rate was 20% of the average value of its portfolio.

Portfolio Turnover, Rate rr_PortfolioTurnoverRate 20.00%
Expenses Restated to Reflect Current [Text] rr_ExpensesRestatedToReflectCurrent Restated to reflect estimates for the current fiscal year.
Expenses Not Correlated to Ratio Due to Acquired Fund Fees [Text] rr_ExpensesNotCorrelatedToRatioDueToAcquiredFundFees “Acquired Fund fees and expenses” are the Fund’s proportionate amount of the expenses of any investment companies or pools in which it invests (excluding expenses originally incurred by Class W of the Underlying Funds of the Trust that have been incurred directly by the Fund, which are instead reflected in Management fees and Other expenses). These expenses are not paid directly by Fund shareholders. Instead, Fund shareholders bear these expenses indirectly because they reduce Fund performance. Because “Acquired Fund fees and expenses” are included in the chart above, the Fund’s operating expenses here will not correlate with the expenses included in the Financial highlights in this Prospectus and the Fund’s annual report.
Expense Example [Heading] rr_ExpenseExampleHeading Example
Expense Example Narrative [Text Block] rr_ExpenseExampleNarrativeTextBlock

This example is intended to help you compare the cost of investing in shares of the Fund with the cost of investing in other mutual funds. The example assumes that you invest $10,000 in the Fund for the time periods indicated and then redeem all your shares at the end of those periods. The example also assumes that your investment has a 5% return each year and that the Fund’s operating expenses, before fee waivers and/or expense reimbursements, remain the same. The example assumes that the Fund’s fee waiver and/or expense reimbursement arrangements will each remain in place for the durations noted in the table above. Although your actual costs may be higher or lower, based on these assumptions your costs would be:

Strategy [Heading] rr_StrategyHeading Principal investment strategies
Strategy Narrative [Text Block] rr_StrategyNarrativeTextBlock

The Fund is a “fund of funds” that invests in Class W shares of other funds of the Trust and in other investment pools or investment products, potentially including other funds advised by the Fund’s investment adviser, Teachers Advisors, LLC (“Advisors”), or its affiliates (collectively, the “Underlying Funds”). In general, the Fund is designed for investors who have an approximate target retirement year in mind, and the Fund’s investments are adjusted from more aggressive to more conservative over time as the Fund’s target retirement year approaches and for approximately 30 years afterwards. The Fund invests in Underlying Funds according to an asset allocation strategy designed for investors retiring in, or planning to retire within a few years of, 2025 and who may begin taking systematic withdrawals upon retirement.


Advisors currently expects to allocate approximately 54.00% of the Fund’s assets to equity Underlying Funds, 41.00% of its assets to fixed-income Underlying Funds and 5.00% of its assets to direct real estate Underlying Funds. These allocations represent targets for equity, fixed-income and direct real estate asset classes. Target allocations will change over time and actual allocations may vary up to ten percentage points from the targets. The target allocations along the investment glidepath, illustrated in the chart below, gradually become more conservative, moving to target allocations of approximately 45.00% equity/50.00% fixed-income/5.00% direct real estate in the Fund’s target retirement year of 2025 and reaching the Fund’s final target allocation of approximately 20.00% equity/80.00% fixed-income/0.00% direct real estate in 2055. Within the equity, fixed-income and direct real estate asset classes, Advisors allocates the Fund’s investments to particular market sectors (U.S. equity, international equity, fixed-income, short-term fixed-income, inflation-protected assets and direct real estate) represented by various Underlying Funds. These market sector allocations may vary by up to 10% from the Fund’s target market sector allocations. The Fund’s current target market sector allocations for June 30, 2020, which will change over time, are approximately as follows: U.S. Equity: 37.80%; International Equity: 16.20%; Fixed-Income: 33.00%; Short-Term Fixed-Income: 4.00%; Inflation-Protected Assets: 4.00%; and Direct Real Estate: 5.00%. The asset class and market sector names used herein are intended to reflect the primary type of investment of the Underlying Funds within each of these categories.


The Fund’s target market sector allocations to Underlying Funds may include the TIAA-CREF Growth & Income Fund, Large-Cap Growth Fund, Large-Cap Value Fund, Quant Large-Cap Growth Fund, Quant Large-Cap Value Fund, Quant Small-Cap Equity Fund and Quant Small/Mid-Cap Equity Fund (U.S. Equity); Emerging Markets Equity Fund, International Equity Fund, International Opportunities Fund, Quant International Equity Fund and Quant International Small-Cap Equity Fund (International Equity); Bond Fund, Bond Plus Fund, Emerging Markets Debt Fund, High-Yield Fund and International Bond Fund (Fixed-Income); Money Market Fund and Short-Term Bond Fund (Short-Term Fixed-Income); Inflation-Linked Bond Fund (Inflation-Protected Assets); and Real Property Fund LP (Direct Real Estate). TIAA-CREF Real Property Fund LP is a private fund, which is not available for investment by the general public; it is currently offered exclusively investment pools or investment products managed by Advisors or its affiliates.


Additional or replacement Underlying Funds for each market sector, as well as additional or replacement market sectors, may be included when making future allocations if Advisors believes that such Underlying Funds and/or market sectors are appropriate in light of the Fund’s desired levels of risk and potential return at the particular time. The Fund’s portfolio management team may also add a new market sector if it believes that will help to achieve the Fund’s investment objective. The relative allocations among Underlying Funds within a market sector may be changed at any time without notice to shareholders, and the portfolio management team may use tactical allocation to take advantage of short to intermediate term opportunities through a combination of positions in Underlying Funds. If 10% or more of the Fund’s assets are expected to be invested in any Underlying Fund or market sector not listed above, shareholders will receive prior notice of such change.


The Fund’s asset class allocations, market sector allocations within each asset class, and Underlying Fund allocations within each market sector, as of June 30, 2019, are listed in the chart below. These allocations will change over time. Underlying Fund allocations in particular may change from year to year.


        

Asset Class

Allocation

  

Market Sector

Allocation

 

Underlying Funds

Allocation

Equity

56.78%

 

U.S. Equity

39.82%

 

Ÿ Growth & Income Fund

8.34%

      

Ÿ Large-Cap Growth Fund

7.56%

      

Ÿ Large-Cap Value Fund

7.30%

      

Ÿ Quant Large-Cap Growth Fund

6.57%

      

Ÿ Quant Large-Cap Value Fund

6.40%

      

Ÿ Quant Small-Cap Equity Fund

2.05%

      

Ÿ Quant Small/Mid-Cap Equity Fund

1.60%

   

International Equity

16.96%

 

Ÿ Quant International Equity Fund

4.42%

      

Ÿ International Equity Fund

3.69%

      

Ÿ International Opportunities Fund

3.68%

      

Ÿ Emerging Markets Equity Fund

2.91%

      

Ÿ Quant International Small-Cap Equity Fund

2.26%

Fixed-Income

38.57%

 

Fixed-Income

30.54%

 

Ÿ Bond Fund

15.57%

      

Ÿ Bond Plus Fund

10.25%

      

Ÿ Emerging Markets Debt Fund

1.75%

      

Ÿ International Bond Fund

1.65%

      

Ÿ High-Yield Fund

1.32%

   

Short-Term
Fixed-Income

4.51%

 

Ÿ Short-Term Bond Fund

4.51%

   

Inflation-
Protected Assets

3.52%

 

Ÿ Inflation-Linked Bond Fund

3.52%

Real Estate

4.65%

 

Direct Real Estate

4.65%

 

Ÿ TIAA-CREF Real Property Fund LP

4.65%


        

Total

100.00%

  

100.00%

  

100.00%


The following chart shows how the investment glidepath for the Fund is expected to gradually move the Fund’s target allocations over time between the different target market sector allocations. The actual market sector allocations of the Fund may differ from this chart. The Fund seeks to achieve its final target market sector allocations approximately 30 years following the target date.


Lifecycle Funds Glidepath as of June 30, 2020
Years to Target Retirement Date US Equities International Equities Direct Real Estate Fixed Income Short Term Fixed Income Inflation Protected Bonds
45 66.50% 28.50% 5.00% 0.00% 0.00% 0.00%
40 65.62% 28.13% 5.00% 1.25% 0.00% 0.00%
35 64.75% 27.75% 5.00% 2.50% 0.00% 0.00%
30 63.87% 27.38% 5.00% 3.75% 0.00% 0.00%
25 63.00% 27.00% 5.00% 5.00% 0.00% 0.00%
20 56.70% 24.30% 5.00% 14.00% 0.00% 0.00%
15 50.40% 21.60% 5.00% 23.00% 0.00% 0.00%
10 44.10% 18.90% 5.00% 28.00% 2.00% 2.00%
5 37.80% 16.20% 5.00% 33.00% 4.00% 4.00%
0 31.50% 13.50% 5.00% 38.00% 6.00% 6.00%
-5 28.00% 12.00% 5.00% 39.00% 8.00% 8.00%
-10 24.50% 10.50% 5.00% 40.00% 10.00% 10.00%
-15 22.75% 9.75% 2.50% 40.00% 15.00% 10.00%
-20 21.00% 9.00% 0.00% 40.00% 20.00% 10.00%
-25 17.50% 7.50% 0.00% 40.00% 25.00% 10.00%
-30 14.00% 6.00% 0.00% 40.00% 30.00% 10.00%

The Fund is designed to accommodate investors who invest in a fund up to their target retirement date, and plan to make gradual systematic withdrawals in retirement. In addition, investors should note that the Fund will continue to have a significant level of equity exposure up to, through and after its target retirement date, and this exposure could cause significant fluctuations in the value of the Fund depending on the performance of the equity markets generally.


After the Fund reaches its final target allocation, the Board of Trustees may authorize the merger of the Fund into another Lifecycle Fund which has also reached its final target allocation or other similar fund designed to maintain a relatively stable asset allocation reflecting the resting point on the glidepath described in the chart above. Fund shareholders will receive prior notice of any such merger.

Risk [Heading] rr_RiskHeading Principal investment risks
Risk Narrative [Text Block] rr_RiskNarrativeTextBlock

You could lose money over short or long periods by investing in this Fund. An investment in the Fund, due to the nature of the Fund’s portfolio holdings, typically is subject to the following principal investment risks:


· Asset Allocation Risk—The risk that the Fund may not achieve its target allocations. In addition, there is the risk that the asset allocations may not achieve the desired risk-return characteristic or that the selection of Underlying Funds and the allocations among them will result in the Fund underperforming other similar funds or cause an investor to lose money.


· Underlying Funds Risks—The Fund is exposed to the risks of the Underlying Funds in which it invests in direct proportion to the amount of assets the Fund allocates to each Underlying Fund.


· Equity Underlying Funds Risks—The risks of investing in equity Underlying Funds include risks specific to their investment strategies, as well as risks related to the equity markets in general, such as:


· market risk—The risk that the price of equity investments may decline in response to general market and economic conditions or events, including conditions and developments outside of the financial markets;


· issuer risk—The risk that an issuer’s earnings prospects and overall financial position will deteriorate, causing a decline in the value of the issuer’s financial instruments over short or extended periods of time; and


· foreign investment risk—The increased risks of adverse issuer, political, regulatory, currency, market or economic developments compared to investments in U.S. issuers, which can result in greater market and price volatility.


· Fixed-Income Underlying Funds Risks—The risks of investing in fixed-income Underlying Funds include risks specific to their investment strategies, as well as risks related to the fixed-income markets in general, such as:


· interest rate risk—The risk that the value or yield of fixed-income investments may decline if interest rates change, which could adversely affect a Fund’s income or the value of its holdings;


· extension risk—The risk that during periods of rising interest rates, borrowers may pay off their mortgage loans later than expected, preventing a Fund from reinvesting principal proceeds at higher interest rates and resulting in less income than potentially available;


· issuer risk—The risk that an issuer’s earnings prospects and overall financial position will deteriorate, causing a decline in the value of the issuer’s financial instruments over short or extended periods of time;


· credit risk—The risk that a decline in an issuer’s financial position may prevent it from making principal and interest payments on fixed-income investments held by a Fund when due;


· credit spread risk—The risk that credit spreads (i.e., the difference in yield between securities that is due to differences in each security’s respective credit quality) may increase when market participants believe that bonds generally have a greater risk of default, which could result in a decline in the market values of a Fund’s debt securities;


· income volatility risk—The risk that the level of current income from a Fund’s portfolio of fixed-income securities may decline due to rapid and unpredictable changes in prevailing market interest rates; and


· call risk—The risk that, during periods of falling interest rates, an issuer may call (or repay) a fixed-income security prior to maturity, resulting in a decline in a Fund’s income.


· Direct Real Estate Underlying Funds Risks—The risks of investing in direct real estate Underlying Funds include risks specific to their investment strategies, as well as risks related to investing in real estate in general, such as:


· real estate-related investment risk—The risks associated with exposure to direct real estate through investing in investment vehicles managed by Advisors that will primarily invest directly in real estate, which can include declines in real estate values or revenues, uninsured losses at properties, the absence of regulatory oversight of and a secondary market for interests in direct real estate Underlying Funds, a scarcity of interests issued by direct real estate Underlying Funds, making it difficult for the Fund to achieve its target allocation, and illiquidity of interests in direct real estate Underlying Funds.


· Active Management Risk—The risk that the strategy, investment selection or trading execution of Advisors could cause the Fund or an Underlying Fund to underperform its benchmark index or mutual funds with similar investment objectives.


· Fund of Funds Risk—The ability of the Fund to achieve its investment objective will depend in part upon the ability of the Underlying Funds to achieve their investment objectives. There can be no guarantee that any Underlying Fund will achieve its investment objective.


There can be no assurances that the Fund will achieve its investment objective. You should not consider the Fund to be a complete investment program. Please see the non-summary portion of the Prospectus for more detailed information about the risks described above, including the risks of the Underlying Funds.

Risk Lose Money [Text] rr_RiskLoseMoney You could lose money over short or long periods by investing in this Fund.
Bar Chart and Performance Table [Heading] rr_BarChartAndPerformanceTableHeading Past performance
Performance Narrative [Text Block] rr_PerformanceNarrativeTextBlock

The following chart and table help illustrate some of the risks of investing in the Fund by showing changes in the Fund’s performance from year to year. The bar chart shows the annual total returns of the Retirement Class of the Fund, before taxes, in each full calendar year for the last ten years. Because the expenses vary across share classes, the performance of the Retirement Class may vary from the other share classes. Below the bar chart are the best and worst returns of the Retirement Class for a calendar quarter during the full calendar-year periods covered by the bar chart. The performance table following the bar chart shows the Fund’s average annual total returns for the Retirement, Institutional, Advisor and Premier classes over the applicable one-year, five-year, ten-year and since-inception periods ended December 31, 2018, and how those returns compare to those of a broad-based securities market index and a composite index that represents the market sectors in which the Fund invests across the equity and fixed-income asset classes. After-tax performance is shown only for the Retirement Class shares, and after-tax returns for the other classes of shares will vary from the after-tax returns presented for Retirement Class shares.


The returns shown below reflect previous agreements by Advisors to waive or reimburse the Fund and certain Underlying Funds for certain fees and expenses. Without these waivers and reimbursements, the returns of the Fund would have been lower. Past performance of the Fund (before and after taxes) is not necessarily an indication of how it will perform in the future. The indices listed below are unmanaged, and you cannot invest directly in an index. The returns for the indices reflect no deduction for fees, expenses or taxes.


For current performance information of each share class, including performance to the most recent month-end, please visit www.tiaa.org.

Performance Information Illustrates Variability of Returns [Text] rr_PerformanceInformationIllustratesVariabilityOfReturns The following chart and table help illustrate some of the risks of investing in the Fund by showing changes in the Fund’s performance from year to year.
Performance Additional Market Index [Text] rr_PerformanceAdditionalMarketIndex As of the close of business on December 31, 2018, the Lifecycle 2025 Fund Composite Index consisted of: 42.3% Russell 3000® Index; 32.8% Bloomberg Barclays U.S. Aggregate Bond Index; 18.1% MSCI All Country World Index ex USA Investable Market Index; 3.4% Bloomberg Barclays U.S. 1–3 Year Government/Credit Bond Index; and 3.4% Bloomberg Barclays U.S. Treasury Inflation Protected Securities (TIPS) 1-10 Year Index. The Fund’s composite benchmark, the components that make up a composite benchmark and the method of calculating a composite benchmark’s performance may vary over time.
Performance Availability Website Address [Text] rr_PerformanceAvailabilityWebSiteAddress www.tiaa.org
Performance Past Does Not Indicate Future [Text] rr_PerformancePastDoesNotIndicateFuture Past performance of the Fund (before and after taxes) is not necessarily an indication of how it will perform in the future.
Bar Chart [Heading] rr_BarChartHeading ANNUAL TOTAL RETURNS FOR THE RETIREMENT CLASS SHARES (%)† Lifecycle 2025 Fund
Bar Chart Footnotes [Text Block] rr_BarChartFootnotesTextBlock

 The year-to-date return as of the most recent calendar quarter, which ended on June 30, 2019, was 12.56%.

Bar Chart Closing [Text Block] rr_BarChartClosingTextBlock

Best quarter: 15.33%, for the quarter ended June 30, 2009. Worst quarter: -12.93%, for the quarter ended September 30, 2011.

Year to Date Return, Label rr_YearToDateReturnLabel The year-to-date return as of the most recent calendar quarter, which ended on June 30, 2019, was
Bar Chart, Year to Date Return, Date rr_BarChartYearToDateReturnDate Jun. 30, 2019
Bar Chart, Year to Date Return rr_BarChartYearToDateReturn 12.56%
Highest Quarterly Return, Label rr_HighestQuarterlyReturnLabel Best quarter:
Highest Quarterly Return, Date rr_BarChartHighestQuarterlyReturnDate Jun. 30, 2009
Highest Quarterly Return rr_BarChartHighestQuarterlyReturn 15.33%
Lowest Quarterly Return, Label rr_LowestQuarterlyReturnLabel Worst quarter:
Lowest Quarterly Return, Date rr_BarChartLowestQuarterlyReturnDate Sep. 30, 2011
Lowest Quarterly Return rr_BarChartLowestQuarterlyReturn (12.93%)
Index No Deduction for Fees, Expenses, Taxes [Text] rr_IndexNoDeductionForFeesExpensesTaxes (reflects no deductions for fees, expenses or taxes)
Performance Table Uses Highest Federal Rate rr_PerformanceTableUsesHighestFederalRate After-tax returns are calculated using the historical highest individual federal marginal income tax rates in effect during the periods shown and do not reflect the impact of state and local taxes.
Performance Table Not Relevant to Tax Deferred rr_PerformanceTableNotRelevantToTaxDeferred The after-tax returns shown are not relevant to investors who hold their Fund shares through tax-deferred arrangements such as 401(a), 401(k) or 403(b) plans or Individual Retirement Accounts (IRAs).
Performance Table One Class of after Tax Shown [Text] rr_PerformanceTableOneClassOfAfterTaxShown After-tax performance is shown only for the Retirement Class shares, and after-tax returns for the other classes of shares will vary from the after-tax returns presented for Retirement Class shares.
Performance Table Closing [Text Block] rr_PerformanceTableClosingTextBlock

Current performance of the Fund’s shares may be higher or lower than that shown above.


After-tax returns are calculated using the historical highest individual federal marginal income tax rates in effect during the periods shown and do not reflect the impact of state and local taxes. Actual after-tax returns depend on the investor’s tax situation and may differ from those shown. The after-tax returns shown are not relevant to investors who hold their Fund shares through tax-deferred arrangements such as 401(a), 401(k) or 403(b) plans or Individual Retirement Accounts (IRAs). After-tax returns are shown for only one class, and after-tax returns for other classes will vary.
 

Average Annual Return, Caption rr_AverageAnnualReturnCaption AVERAGE ANNUAL TOTAL RETURNS For the Periods Ended December 31, 2018
TIAA-CREF Lifecycle 2025 Fund | S&P Target Date 2025 Index  
Risk/Return: rr_RiskReturnAbstract  
1 Year rr_AverageAnnualReturnYear01 (5.02%)
5 Years rr_AverageAnnualReturnYear05 4.31%
10 Years rr_AverageAnnualReturnYear10 8.46%
TIAA-CREF Lifecycle 2025 Fund | Lifecycle 2025 Fund Composite Index (reflects no deductions for fees, expenses or taxes)  
Risk/Return: rr_RiskReturnAbstract  
1 Year rr_AverageAnnualReturnYear01 (4.66%) [1]
5 Years rr_AverageAnnualReturnYear05 4.71% [1]
10 Years rr_AverageAnnualReturnYear10 9.00% [1]
TIAA-CREF Lifecycle 2025 Fund | Institutional Class  
Risk/Return: rr_RiskReturnAbstract  
Maximum sales charge imposed on purchases (percentage of offering price) rr_MaximumSalesChargeImposedOnPurchasesOverOfferingPrice none
Maximum deferred sales charge rr_MaximumDeferredSalesChargeOverOfferingPrice none
Maximum sales charge imposed on reinvested dividends and other distributions rr_MaximumSalesChargeOnReinvestedDividendsAndDistributionsOverOther none
Redemption or exchange fee rr_RedemptionFeeOverRedemption none
Maximum account fee rr_MaximumAccountFeeOverAssets none
Management fees rr_ManagementFeesOverAssets 0.45% [2],[3]
Other expenses rr_OtherExpensesOverAssets 0.04% [2],[3]
Acquired Fund fees and expenses rr_AcquiredFundFeesAndExpensesOverAssets 0.03% [4]
Total annual Fund operating expenses rr_ExpensesOverAssets 0.52%
Waivers and expense reimbursements rr_FeeWaiverOrReimbursementOverAssets (0.11%) [5],[6]
Total annual Fund operating expenses after fee waiver and/or expense reimbursement rr_NetExpensesOverAssets 0.41%
Expense Example, with Redemption, 1 Year rr_ExpenseExampleYear01 $ 42
Expense Example, with Redemption, 3 Years rr_ExpenseExampleYear03 134
Expense Example, with Redemption, 5 Years rr_ExpenseExampleYear05 258
Expense Example, with Redemption, 10 Years rr_ExpenseExampleYear10 $ 621
1 Year rr_AverageAnnualReturnYear01 (6.05%)
5 Years rr_AverageAnnualReturnYear05 4.43%
10 Years rr_AverageAnnualReturnYear10 9.23%
Inception Date rr_AverageAnnualReturnInceptionDate Jan. 17, 2007
TIAA-CREF Lifecycle 2025 Fund | Advisor Class  
Risk/Return: rr_RiskReturnAbstract  
Maximum sales charge imposed on purchases (percentage of offering price) rr_MaximumSalesChargeImposedOnPurchasesOverOfferingPrice none
Maximum deferred sales charge rr_MaximumDeferredSalesChargeOverOfferingPrice none
Maximum sales charge imposed on reinvested dividends and other distributions rr_MaximumSalesChargeOnReinvestedDividendsAndDistributionsOverOther none
Redemption or exchange fee rr_RedemptionFeeOverRedemption none
Maximum account fee rr_MaximumAccountFeeOverAssets none
Management fees rr_ManagementFeesOverAssets 0.45% [2],[3]
Other expenses rr_OtherExpensesOverAssets 0.12% [2],[3]
Acquired Fund fees and expenses rr_AcquiredFundFeesAndExpensesOverAssets 0.03% [4]
Total annual Fund operating expenses rr_ExpensesOverAssets 0.60%
Waivers and expense reimbursements rr_FeeWaiverOrReimbursementOverAssets (0.11%) [5],[6]
Total annual Fund operating expenses after fee waiver and/or expense reimbursement rr_NetExpensesOverAssets 0.49%
Expense Example, with Redemption, 1 Year rr_ExpenseExampleYear01 $ 50
Expense Example, with Redemption, 3 Years rr_ExpenseExampleYear03 159
Expense Example, with Redemption, 5 Years rr_ExpenseExampleYear05 302
Expense Example, with Redemption, 10 Years rr_ExpenseExampleYear10 $ 719
1 Year rr_AverageAnnualReturnYear01 (6.19%)
5 Years rr_AverageAnnualReturnYear05 4.27% [7]
10 Years rr_AverageAnnualReturnYear10 9.01% [7]
Inception Date rr_AverageAnnualReturnInceptionDate Dec. 04, 2015
TIAA-CREF Lifecycle 2025 Fund | Premier Class  
Risk/Return: rr_RiskReturnAbstract  
Maximum sales charge imposed on purchases (percentage of offering price) rr_MaximumSalesChargeImposedOnPurchasesOverOfferingPrice none
Maximum deferred sales charge rr_MaximumDeferredSalesChargeOverOfferingPrice none
Maximum sales charge imposed on reinvested dividends and other distributions rr_MaximumSalesChargeOnReinvestedDividendsAndDistributionsOverOther none
Redemption or exchange fee rr_RedemptionFeeOverRedemption none
Maximum account fee rr_MaximumAccountFeeOverAssets none
Management fees rr_ManagementFeesOverAssets 0.45% [2],[3]
Distribution (Rule 12b-1) fees rr_DistributionAndService12b1FeesOverAssets 0.15%
Other expenses rr_OtherExpensesOverAssets 0.04% [2],[3]
Acquired Fund fees and expenses rr_AcquiredFundFeesAndExpensesOverAssets 0.03% [4]
Total annual Fund operating expenses rr_ExpensesOverAssets 0.67%
Waivers and expense reimbursements rr_FeeWaiverOrReimbursementOverAssets (0.11%) [5],[6]
Total annual Fund operating expenses after fee waiver and/or expense reimbursement rr_NetExpensesOverAssets 0.56%
Expense Example, with Redemption, 1 Year rr_ExpenseExampleYear01 $ 57
Expense Example, with Redemption, 3 Years rr_ExpenseExampleYear03 182
Expense Example, with Redemption, 5 Years rr_ExpenseExampleYear05 341
Expense Example, with Redemption, 10 Years rr_ExpenseExampleYear10 $ 804
1 Year rr_AverageAnnualReturnYear01 (6.23%)
5 Years rr_AverageAnnualReturnYear05 4.27%
10 Years rr_AverageAnnualReturnYear10 9.04% [7]
Inception Date rr_AverageAnnualReturnInceptionDate Sep. 30, 2009
TIAA-CREF Lifecycle 2025 Fund | Retirement Class  
Risk/Return: rr_RiskReturnAbstract  
Maximum sales charge imposed on purchases (percentage of offering price) rr_MaximumSalesChargeImposedOnPurchasesOverOfferingPrice none
Maximum deferred sales charge rr_MaximumDeferredSalesChargeOverOfferingPrice none
Maximum sales charge imposed on reinvested dividends and other distributions rr_MaximumSalesChargeOnReinvestedDividendsAndDistributionsOverOther none
Redemption or exchange fee rr_RedemptionFeeOverRedemption none
Maximum account fee rr_MaximumAccountFeeOverAssets none
Management fees rr_ManagementFeesOverAssets 0.45% [2],[3]
Other expenses rr_OtherExpensesOverAssets 0.29% [2],[3]
Acquired Fund fees and expenses rr_AcquiredFundFeesAndExpensesOverAssets 0.03% [4]
Total annual Fund operating expenses rr_ExpensesOverAssets 0.77%
Waivers and expense reimbursements rr_FeeWaiverOrReimbursementOverAssets (0.11%) [5],[6]
Total annual Fund operating expenses after fee waiver and/or expense reimbursement rr_NetExpensesOverAssets 0.66%
Expense Example, with Redemption, 1 Year rr_ExpenseExampleYear01 $ 67
Expense Example, with Redemption, 3 Years rr_ExpenseExampleYear03 213
Expense Example, with Redemption, 5 Years rr_ExpenseExampleYear05 396
Expense Example, with Redemption, 10 Years rr_ExpenseExampleYear10 $ 924
Annual Return 2009 rr_AnnualReturn2009 24.96%
Annual Return 2010 rr_AnnualReturn2010 13.88%
Annual Return 2011 rr_AnnualReturn2011 (1.56%)
Annual Return 2012 rr_AnnualReturn2012 15.24%
Annual Return 2013 rr_AnnualReturn2013 19.12%
Annual Return 2014 rr_AnnualReturn2014 4.56%
Annual Return 2015 rr_AnnualReturn2015 0.12%
Annual Return 2016 rr_AnnualReturn2016 6.74%
Annual Return 2017 rr_AnnualReturn2017 17.06%
Annual Return 2018 rr_AnnualReturn2018 (6.35%)
1 Year rr_AverageAnnualReturnYear01 (6.35%)
5 Years rr_AverageAnnualReturnYear05 4.14%
10 Years rr_AverageAnnualReturnYear10 8.95%
Inception Date rr_AverageAnnualReturnInceptionDate Oct. 15, 2004
TIAA-CREF Lifecycle 2025 Fund | Retirement Class | After Taxes on Distributions  
Risk/Return: rr_RiskReturnAbstract  
1 Year rr_AverageAnnualReturnYear01 (7.87%)
5 Years rr_AverageAnnualReturnYear05 2.56%
10 Years rr_AverageAnnualReturnYear10 7.66%
TIAA-CREF Lifecycle 2025 Fund | Retirement Class | After Taxes on Distributions and Sale of Fund Shares  
Risk/Return: rr_RiskReturnAbstract  
1 Year rr_AverageAnnualReturnYear01 (2.97%)
5 Years rr_AverageAnnualReturnYear05 2.90%
10 Years rr_AverageAnnualReturnYear10 7.03%
[1] As of the close of business on December 31, 2018, the Lifecycle 2025 Fund Composite Index consisted of: 42.3% Russell 3000® Index; 32.8% Bloomberg Barclays U.S. Aggregate Bond Index; 18.1% MSCI All Country World Index ex USA Investable Market Index; 3.4% Bloomberg Barclays U.S. 1-3 Year Government/Credit Bond Index; and 3.4% Bloomberg Barclays U.S. Treasury Inflation Protected Securities (TIPS) 1-10 Year Index. The Fund's composite benchmark, the components that make up a composite benchmark and the method of calculating a composite benchmark's performance may vary over time.
[2] Portions of the Management fees and Other expenses are based on expenses originally incurred by Class W shares of the Underlying Funds (as defined below) of the Trust, which have been incurred directly by the Fund pursuant to certain contractual arrangements intended to reallocate directly to the Fund certain fees and expenses that had been paid by the Underlying Funds of the Trust. For additional information, please see the "Management of the Funds" section of this Prospectus.
[3] Restated to reflect estimates for the current fiscal year.
[4] "Acquired Fund fees and expenses" are the Fund's proportionate amount of the expenses of any investment companies or pools in which it invests (excluding expenses originally incurred by Class W of the Underlying Funds of the Trust that have been incurred directly by the Fund, which are instead reflected in Management fees and Other expenses). These expenses are not paid directly by Fund shareholders. Instead, Fund shareholders bear these expenses indirectly because they reduce Fund performance. Because "Acquired Fund fees and expenses" are included in the chart above, the Fund's operating expenses here will not correlate with the expenses included in the Financial highlights in this Prospectus and the Fund's annual report.
[5] Advisors has contractually agreed to waive 0.10% of the Fund's Management fee. This waiver will remain in effect through September 30, 2022, unless changed with the approval of the Board of Trustees.
[6] Under the Fund's expense reimbursement arrangements, the Fund's investment adviser, Teachers Advisors, LLC ("Advisors"), has contractually agreed to reimburse the Fund for any Total annual Fund operating expenses (excluding interest, taxes, brokerage commissions or other transactional expenses, Acquired Fund fees and expenses, extraordinary expenses and any expenses originally attributable to Class W shares of the Underlying Funds of the Trust that were incurred directly by the Fund) that exceed: (i) 0.00% of average daily net assets for Institutional Class shares; (ii) 0.15% of average daily net assets for Advisor Class shares; (iii) 0.15% of average daily net assets for Premier Class shares; and (iv) 0.25% of average daily net assets for Retirement Class shares of the Fund. These expense reimbursement arrangements will continue through at least September 30, 2020, unless changed with approval of the Board of Trustees.
[7] The performance shown for the Advisor and Premier classes that is prior to their inception dates is based on performance of the Fund's Retirement Class. The performance for these periods has not been restated to reflect the lower expenses of the Advisor and Premier classes.
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Label Element Value
TIAA-CREF Lifestyle Aggressive Growth Fund  
Risk/Return: rr_RiskReturnAbstract  
Risk/Return [Heading] rr_RiskReturnHeading TIAA-CREF Lifestyle Aggressive Growth Fund
Objective [Heading] rr_ObjectiveHeading Investment objective
Objective, Primary [Text Block] rr_ObjectivePrimaryTextBlock

The Fund seeks long-term growth of capital.

Expense [Heading] rr_ExpenseHeading Fees and expenses
Expense Narrative [Text Block] rr_ExpenseNarrativeTextBlock

This table describes the fees and expenses that you may pay if you buy and hold shares of the Fund. In addition to the fees and expenses described below, investors may be required to pay a commission to a broker-dealer or other financial intermediary on purchases and sales of Institutional Class or Advisor Class shares of the Fund.

Shareholder Fees Caption [Text] rr_ShareholderFeesCaption SHAREHOLDER FEES (fees paid directly from your investment)
Operating Expenses Caption [Text] rr_OperatingExpensesCaption ANNUAL FUND OPERATING EXPENSES (expenses that you pay each year as a percentage of the value of your investment)
Portfolio Turnover [Heading] rr_PortfolioTurnoverHeading Portfolio turnover
Portfolio Turnover [Text Block] rr_PortfolioTurnoverTextBlock

The Fund pays transaction costs, such as commissions, when it buys and sells securities (or “turns over” its portfolio). A higher portfolio turnover rate may indicate higher transaction costs and may result in higher taxes when Fund shares are held in a taxable account. These costs, which are not reflected in annual fund operating expenses or in the example, affect the Fund’s performance. During the fiscal year ended May 31, 2019, the Fund’s portfolio turnover rate was 24% of the average value of its portfolio.

Portfolio Turnover, Rate rr_PortfolioTurnoverRate 24.00%
Expense Example [Heading] rr_ExpenseExampleHeading Example
Expense Example Narrative [Text Block] rr_ExpenseExampleNarrativeTextBlock

This example is intended to help you compare the cost of investing in shares of the Fund with the cost of investing in other mutual funds. The example assumes that you invest $10,000 in the Fund for the time periods indicated and then redeem all your shares at the end of those periods. The example also assumes that your investment has a 5% return each year and that the Fund’s operating expenses, before fee waivers and/or expense reimbursements, remain the same. The example assumes that the Fund’s fee waiver and/or expense reimbursement arrangements will each remain in place for the duration noted in the table above. Although your actual costs may be higher or lower, based on these assumptions your costs would be:

Strategy [Heading] rr_StrategyHeading Principal investment strategies
Strategy Narrative [Text Block] rr_StrategyNarrativeTextBlock

The Fund is a “fund of funds” that invests in Institutional Class shares of other funds of the Trust and potentially in other investment pools or investment products, including other funds advised by the Fund’s investment adviser, Teachers Advisors, LLC (“Advisors”), or its affiliates (collectively, the “Underlying Funds”). The Fund is designed for investors seeking long-term growth of capital through a relatively stable asset allocation strategy targeting an aggressive growth risk-return profile. Advisors generally seeks to meet the Fund’s investment objective by investing: (1) approximately 100% of the Fund’s assets in equity Underlying Funds and (2) approximately 0% of the Fund’s assets in fixed-income Underlying Funds. The Fund may deviate from these target allocations by up to ten percentage points depending upon current market conditions and outlook.


The Underlying Funds’ allocation targets generally represent targets for investments in equity and fixed-income asset classes. Within the equity and fixed-income asset classes, Advisors allocates the Fund’s investments to particular market sectors (which may include U.S. equity, international equity, fixed-income and short-term fixed-income) represented by various Underlying Funds. To maintain an appropriate allocation among the Underlying Funds, the portfolio managers monitor the domestic and foreign equity markets, as well as overall financial and economic conditions. The Fund may sometimes be more heavily weighted toward equities or fixed-income than the target allocations, if the portfolio managers believe market conditions warrant. For example, the Fund may increase its holdings in fixed-income Underlying Funds in periods when the portfolio managers believe the equity markets will decline. The market sector allocations and Underlying Fund allocations may also be changed over time by the portfolio managers, including the addition and removal of market sectors and Underlying Funds in which the Fund invests in light of the Fund’s desired level of risk and potential return at a particular time as evaluated by the portfolio managers based on a mix of qualitative and quantitative factors. The portfolio managers may also opportunistically purchase other Funds or other investment pools or investment products, based on the portfolio managers’ evaluation of the market sectors and/or Underlying Funds without prior notice to shareholders. If 10% or more of the Fund’s assets are expected to be invested in any Underlying Fund, market sector or asset class not listed in the chart below, shareholders will receive prior notice of such change.


As a result of its investments in the Underlying Funds, the Fund’s returns will reflect investments in a mix of domestic and foreign equities of companies of various sizes and a variety of domestic and foreign fixed-income instruments of private and governmental issuers of varying maturities and credit qualities.


As part of the Fund’s ability to invest in unaffiliated investment products or pools noted above, the Fund may invest in exchange-traded funds (“ETFs”) and exchange-traded notes (“ETNs”) to gain exposure to various market sectors or securities in order to effect its asset allocation strategy. Additionally, the Fund may use ETFs and ETNs for cash management, hedging or defensive purposes. ETFs and ETNs will be subject to the risks associated with the types of securities or sectors that they track, while ETNs, which are structured as fixed-income obligations, will also be subject to the general risks of fixed-income securities, including credit risk.


The Fund’s asset class allocations, market sector allocations within each asset class, and Underlying Fund allocations within each market sector as of June 30, 2019, are listed in the chart below. These allocations may change over time. Underlying Fund allocations in particular may change from year to year.


        

Asset Class

Allocation

  

Market Sector

Allocation

 

Underlying Funds

Allocation

Equity

100.00%

 

U.S. Equity

71.06%

 

Ÿ Large-Cap Growth Fund

17.67%

      

Ÿ Large-Cap Value Fund

17.18%

      

Ÿ Growth & Income Fund

15.68%

      

Ÿ Quant Large-Cap Growth Fund

8.61%

      

Ÿ Quant Large-Cap Value Fund

5.44%

      

Ÿ Quant Small-Cap Equity Fund

3.47%

      

Ÿ Quant Small/Mid-Cap Equity Fund

3.01%

   

International Equity

28.94%

 

Ÿ International Equity Fund

7.80%

      

Ÿ International Opportunities Fund

6.50%

      

Ÿ Quant International Equity Fund

5.52%

      

Ÿ Emerging Markets Equity Fund

5.13%

      

Ÿ Quant International Small-Cap Equity Fund

3.99%


        

Total

100.00%

  

100.00%

  

100.00%

Risk [Heading] rr_RiskHeading Principal investment risks
Risk Narrative [Text Block] rr_RiskNarrativeTextBlock

You could lose money over short or long periods by investing in this Fund. An investment in the Fund, due to the nature of the Fund’s portfolio holdings, typically is subject to the following principal investment risks:


· Asset Allocation Risk—The risk that the Fund may not achieve its target allocations. In addition, there is the risk that the asset allocations may not achieve the desired risk-return characteristic or that the selection of Underlying Funds and the allocations among them will result in the Fund underperforming other similar funds or cause an investor to lose money.


· Underlying Funds Risks—The Fund is exposed to the risks of the Underlying Funds in which it invests in direct proportion to the amount of assets the Fund allocates to each Underlying Fund. Because the Fund targets its investments in a significantly higher percentage of equity Underlying Funds, Equity Underlying Funds Risks are expected to predominate.


· Equity Underlying Funds Risks—The risks of investing in equity Underlying Funds include risks specific to their investment strategies, as well as risks related to the equity markets in general, such as:


· market risk—The risk that the price of equity investments may decline in response to general market and economic conditions or events, including conditions and developments outside of the financial markets;


· issuer risk—The risk that an issuer’s earnings prospects and overall financial position will deteriorate, causing a decline in the value of the issuer’s financial instruments over short or extended periods of time; and


· foreign investment risk—The increased risks of adverse issuer, political, regulatory, currency, market or economic developments compared to investments in U.S. issuers, which can result in greater market and price volatility.


· Fixed-Income Underlying Funds Risks—The risks of investing in fixed-income Underlying Funds include risks specific to their investment strategies, as well as risks related to the fixed-income markets in general, such as:


· interest rate risk—The risk that the value or yield of fixed-income investments may decline if interest rates change, which could adversely affect a Fund’s income or the value of its holdings;


· extension risk—The risk that during periods of rising interest rates, borrowers may pay off their mortgage loans later than expected, preventing a Fund from reinvesting principal proceeds at higher interest rates and resulting in less income than potentially available;


· issuer risk—The risk that an issuer’s earnings prospects and overall financial position will deteriorate, causing a decline in the value of the issuer’s financial instruments over short or extended periods of time;


· credit risk—The risk that a decline in an issuer’s financial position may prevent it from making principal and interest payments on fixed-income investments held by a Fund when due;


· credit spread risk—The risk that credit spreads (i.e., the difference in yield between securities that is due to differences in each security’s respective credit quality) may increase when market participants believe that bonds generally have a greater risk of default, which could result in a decline in the market values of a Fund’s debt securities;


· income volatility risk—The risk that the level of current income from a Fund’s portfolio of fixed-income securities may decline due to rapid and unpredictable changes in prevailing market interest rates; and


· call risk—The risk that, during periods of falling interest rates, an issuer may call (or repay) a fixed-income security prior to maturity, resulting in a decline in a Fund’s income.


· Active Management Risk—The risk that the strategy, investment selection or trading execution of Advisors could cause the Fund or an Underlying Fund to underperform its benchmark index or mutual funds with similar investment objectives.


· Fund of Funds Risk—The ability of the Fund to achieve its investment objective will depend in part upon the ability of the Underlying Funds to achieve their investment objectives. There can be no guarantee that any Underlying Fund will achieve its investment objective.


There can be no assurances that the Fund will achieve its investment objective. You should not consider the Fund to be a complete investment program. Please see the non-summary portion of the Prospectus for more detailed information about the risks described above, including the risks of the Underlying Funds.

Risk Lose Money [Text] rr_RiskLoseMoney You could lose money over short or long periods by investing in this Fund.
Bar Chart and Performance Table [Heading] rr_BarChartAndPerformanceTableHeading Past performance
Performance Narrative [Text Block] rr_PerformanceNarrativeTextBlock

The following chart and table help illustrate some of the risks of investing in the Fund by showing changes in the Fund’s performance from year to year. The bar chart shows the annual total returns of the Institutional Class of the Fund, before taxes, in each full calendar year since inception of the Institutional Class. Because the expenses vary across share classes, the performance of the Institutional Class may vary from the other share classes. Below the bar chart are the best and worst returns of the Institutional Class for a calendar quarter during the full calendar-year periods covered by the bar chart. The performance table following the bar chart shows the Fund’s average annual total returns for the Institutional, Advisor, Premier, Retirement and Retail classes over the applicable one-year, five-year, ten-year and since-inception periods ended December 31, 2018, and how those returns compare to those of a broad-based securities market index and a composite index based on the Fund’s target allocations. After-tax performance is shown only for the Institutional Class shares, and after-tax returns for the other classes of shares will vary from the after-tax returns presented for Institutional Class shares.


The returns shown below reflect previous agreements by Advisors to waive or reimburse the Fund and certain Underlying Funds for certain fees and expenses. Without these waivers and reimbursements, the returns of the Fund would have been lower. Past performance of the Fund (before and after taxes) is not necessarily an indication of how it will perform in the future. The indices listed below are unmanaged, and you cannot invest directly in an index. The returns for the indices reflect no deduction for fees, expenses or taxes.


For current performance information of each share class, including performance to the most recent month-end, please visit www.tiaa.org.

Performance Information Illustrates Variability of Returns [Text] rr_PerformanceInformationIllustratesVariabilityOfReturns The following chart and table help illustrate some of the risks of investing in the Fund by showing changes in the Fund’s performance from year to year.
Performance Additional Market Index [Text] rr_PerformanceAdditionalMarketIndex As of the close of business on December 31, 2018, the Lifestyle Aggressive Growth Fund Composite Index consisted of: 70.0% Russell 3000® Index; and 30.0% MSCI All Country World Index ex USA Investable Market Index. The Fund’s composite benchmark, the components that make up a composite benchmark and the method of calculating a composite benchmark’s performance may vary over time.
Performance Availability Website Address [Text] rr_PerformanceAvailabilityWebSiteAddress www.tiaa.org
Performance Past Does Not Indicate Future [Text] rr_PerformancePastDoesNotIndicateFuture Past performance of the Fund (before and after taxes) is not necessarily an indication of how it will perform in the future.
Bar Chart [Heading] rr_BarChartHeading ANNUAL TOTAL RETURNS FOR THE INSTITUTIONAL CLASS SHARES (%)† Lifestyle Aggressive Growth Fund
Bar Chart Footnotes [Text Block] rr_BarChartFootnotesTextBlock

 The year-to-date return as of the most recent calendar quarter, which ended on June 30, 2019, was 17.61%.

Bar Chart Closing [Text Block] rr_BarChartClosingTextBlock

Best quarter: 14.33%, for the quarter ended March 31, 2012. Worst quarter: -15.89%, for the quarter ended December 31, 2018.

Year to Date Return, Label rr_YearToDateReturnLabel The year-to-date return as of the most recent calendar quarter, which ended on June 30, 2019, was
Bar Chart, Year to Date Return, Date rr_BarChartYearToDateReturnDate Jun. 30, 2019
Bar Chart, Year to Date Return rr_BarChartYearToDateReturn 17.61%
Highest Quarterly Return, Label rr_HighestQuarterlyReturnLabel Best quarter:
Highest Quarterly Return, Date rr_BarChartHighestQuarterlyReturnDate Mar. 31, 2012
Highest Quarterly Return rr_BarChartHighestQuarterlyReturn 14.33%
Lowest Quarterly Return, Label rr_LowestQuarterlyReturnLabel Worst quarter:
Lowest Quarterly Return, Date rr_BarChartLowestQuarterlyReturnDate Dec. 31, 2018
Lowest Quarterly Return rr_BarChartLowestQuarterlyReturn (15.89%)
Index No Deduction for Fees, Expenses, Taxes [Text] rr_IndexNoDeductionForFeesExpensesTaxes (reflects no deductions for fees, expenses or taxes)
Performance Table Uses Highest Federal Rate rr_PerformanceTableUsesHighestFederalRate After-tax returns are calculated using the historical highest individual federal marginal income tax rates in effect during the periods shown and do not reflect the impact of state and local taxes.
Performance Table Not Relevant to Tax Deferred rr_PerformanceTableNotRelevantToTaxDeferred The after-tax returns shown are not relevant to investors who hold their Fund shares through tax-deferred arrangements such as 401(a), 401(k) or 403(b) plans or Individual Retirement Accounts (IRAs).
Performance Table One Class of after Tax Shown [Text] rr_PerformanceTableOneClassOfAfterTaxShown After-tax performance is shown only for the Institutional Class shares, and after-tax returns for the other classes of shares will vary from the after-tax returns presented for Institutional Class shares.
Performance Table Closing [Text Block] rr_PerformanceTableClosingTextBlock

Current performance of the Fund’s shares may be higher or lower than that shown above.


After-tax returns are calculated using the historical highest individual federal marginal income tax rates in effect during the periods shown and do not reflect the impact of state and local taxes. Actual after-tax returns depend on the investor’s tax situation and may differ from those shown. The after-tax returns shown are not relevant to investors who hold their Fund shares through tax-deferred arrangements such as 401(a), 401(k) or 403(b) plans or Individual Retirement Accounts (IRAs). After-tax returns are shown for only one class, and after-tax returns for other classes will vary.

Average Annual Return, Caption rr_AverageAnnualReturnCaption AVERAGE ANNUAL TOTAL RETURNS For the Periods Ended December 31, 2018
TIAA-CREF Lifestyle Aggressive Growth Fund | Morningstar Aggressive Target Risk Index (reflects no deductions for fees, expenses or taxes)  
Risk/Return: rr_RiskReturnAbstract  
1 Year rr_AverageAnnualReturnYear01 (8.17%)
5 Years rr_AverageAnnualReturnYear05 5.01%
Since Inception rr_AverageAnnualReturnSinceInception 9.03% [1]
TIAA-CREF Lifestyle Aggressive Growth Fund | Lifestyle Aggressive Growth Fund Composite Index (reflects no deductions for fees, expenses or taxes)  
Risk/Return: rr_RiskReturnAbstract  
1 Year rr_AverageAnnualReturnYear01 (8.12%) [2]
5 Years rr_AverageAnnualReturnYear05 5.74% [2]
Since Inception rr_AverageAnnualReturnSinceInception 10.06% [1],[2]
TIAA-CREF Lifestyle Aggressive Growth Fund | Institutional Class  
Risk/Return: rr_RiskReturnAbstract  
Maximum sales charge imposed on purchases (percentage of offering price) rr_MaximumSalesChargeImposedOnPurchasesOverOfferingPrice none
Maximum deferred sales charge rr_MaximumDeferredSalesChargeOverOfferingPrice none
Maximum sales charge imposed on reinvested dividends and other distributions rr_MaximumSalesChargeOnReinvestedDividendsAndDistributionsOverOther none
Redemption or exchange fee rr_RedemptionFeeOverRedemption none
Account maintenance fee (annual fee on accounts under $2,000) rr_ShareholderFeeOther none
Management fees rr_ManagementFeesOverAssets 0.10%
Other expenses rr_OtherExpensesOverAssets 0.18%
Acquired Fund fees and expenses rr_AcquiredFundFeesAndExpensesOverAssets 0.46% [3]
Total annual Fund operating expenses rr_ExpensesOverAssets 0.74%
Waivers and expense reimbursements rr_FeeWaiverOrReimbursementOverAssets (0.18%) [4]
Total annual Fund operating expenses after fee waiver and/or expense reimbursement rr_NetExpensesOverAssets 0.56%
Expense Example, with Redemption, 1 Year rr_ExpenseExampleYear01 $ 57
Expense Example, with Redemption, 3 Years rr_ExpenseExampleYear03 218
Expense Example, with Redemption, 5 Years rr_ExpenseExampleYear05 394
Expense Example, with Redemption, 10 Years rr_ExpenseExampleYear10 $ 902
Annual Return 2012 rr_AnnualReturn2012 19.18%
Annual Return 2013 rr_AnnualReturn2013 29.87%
Annual Return 2014 rr_AnnualReturn2014 4.51%
Annual Return 2015 rr_AnnualReturn2015 0.28%
Annual Return 2016 rr_AnnualReturn2016 7.55%
Annual Return 2017 rr_AnnualReturn2017 25.58%
Annual Return 2018 rr_AnnualReturn2018 (11.18%)
1 Year rr_AverageAnnualReturnYear01 (11.18%)
5 Years rr_AverageAnnualReturnYear05 4.69%
Since Inception rr_AverageAnnualReturnSinceInception 9.75%
Inception Date rr_AverageAnnualReturnInceptionDate Dec. 09, 2011
TIAA-CREF Lifestyle Aggressive Growth Fund | Institutional Class | After Taxes on Distributions  
Risk/Return: rr_RiskReturnAbstract  
1 Year rr_AverageAnnualReturnYear01 (12.33%)
5 Years rr_AverageAnnualReturnYear05 3.37%
Since Inception rr_AverageAnnualReturnSinceInception 8.48%
TIAA-CREF Lifestyle Aggressive Growth Fund | Institutional Class | After Taxes on Distributions and Sale of Fund Shares  
Risk/Return: rr_RiskReturnAbstract  
1 Year rr_AverageAnnualReturnYear01 (5.82%)
5 Years rr_AverageAnnualReturnYear05 3.48%
Since Inception rr_AverageAnnualReturnSinceInception 7.65%
TIAA-CREF Lifestyle Aggressive Growth Fund | Advisor Class  
Risk/Return: rr_RiskReturnAbstract  
Maximum sales charge imposed on purchases (percentage of offering price) rr_MaximumSalesChargeImposedOnPurchasesOverOfferingPrice none
Maximum deferred sales charge rr_MaximumDeferredSalesChargeOverOfferingPrice none
Maximum sales charge imposed on reinvested dividends and other distributions rr_MaximumSalesChargeOnReinvestedDividendsAndDistributionsOverOther none
Redemption or exchange fee rr_RedemptionFeeOverRedemption none
Account maintenance fee (annual fee on accounts under $2,000) rr_ShareholderFeeOther none
Management fees rr_ManagementFeesOverAssets 0.10%
Other expenses rr_OtherExpensesOverAssets 0.25% [5]
Acquired Fund fees and expenses rr_AcquiredFundFeesAndExpensesOverAssets 0.46% [3]
Total annual Fund operating expenses rr_ExpensesOverAssets 0.81%
Waivers and expense reimbursements rr_FeeWaiverOrReimbursementOverAssets (0.18%) [4]
Total annual Fund operating expenses after fee waiver and/or expense reimbursement rr_NetExpensesOverAssets 0.63%
Expense Example, with Redemption, 1 Year rr_ExpenseExampleYear01 $ 64
Expense Example, with Redemption, 3 Years rr_ExpenseExampleYear03 241
Expense Example, with Redemption, 5 Years rr_ExpenseExampleYear05 432
Expense Example, with Redemption, 10 Years rr_ExpenseExampleYear10 $ 985
1 Year rr_AverageAnnualReturnYear01 (11.17%)
5 Years rr_AverageAnnualReturnYear05 4.66% [6]
Since Inception rr_AverageAnnualReturnSinceInception 9.73% [6]
Inception Date rr_AverageAnnualReturnInceptionDate Dec. 04, 2015
TIAA-CREF Lifestyle Aggressive Growth Fund | Premier Class  
Risk/Return: rr_RiskReturnAbstract  
Maximum sales charge imposed on purchases (percentage of offering price) rr_MaximumSalesChargeImposedOnPurchasesOverOfferingPrice none
Maximum deferred sales charge rr_MaximumDeferredSalesChargeOverOfferingPrice none
Maximum sales charge imposed on reinvested dividends and other distributions rr_MaximumSalesChargeOnReinvestedDividendsAndDistributionsOverOther none
Redemption or exchange fee rr_RedemptionFeeOverRedemption none
Account maintenance fee (annual fee on accounts under $2,000) rr_ShareholderFeeOther none
Management fees rr_ManagementFeesOverAssets 0.10%
Distribution (Rule 12b-1) fees rr_DistributionAndService12b1FeesOverAssets 0.15%
Other expenses rr_OtherExpensesOverAssets 0.18%
Acquired Fund fees and expenses rr_AcquiredFundFeesAndExpensesOverAssets 0.46% [3]
Total annual Fund operating expenses rr_ExpensesOverAssets 0.89%
Waivers and expense reimbursements rr_FeeWaiverOrReimbursementOverAssets (0.18%) [4]
Total annual Fund operating expenses after fee waiver and/or expense reimbursement rr_NetExpensesOverAssets 0.71%
Expense Example, with Redemption, 1 Year rr_ExpenseExampleYear01 $ 73
Expense Example, with Redemption, 3 Years rr_ExpenseExampleYear03 266
Expense Example, with Redemption, 5 Years rr_ExpenseExampleYear05 475
Expense Example, with Redemption, 10 Years rr_ExpenseExampleYear10 $ 1,080
1 Year rr_AverageAnnualReturnYear01 (11.29%)
5 Years rr_AverageAnnualReturnYear05 4.54%
Since Inception rr_AverageAnnualReturnSinceInception 9.59%
Inception Date rr_AverageAnnualReturnInceptionDate Dec. 09, 2011
TIAA-CREF Lifestyle Aggressive Growth Fund | Retirement Class  
Risk/Return: rr_RiskReturnAbstract  
Maximum sales charge imposed on purchases (percentage of offering price) rr_MaximumSalesChargeImposedOnPurchasesOverOfferingPrice none
Maximum deferred sales charge rr_MaximumDeferredSalesChargeOverOfferingPrice none
Maximum sales charge imposed on reinvested dividends and other distributions rr_MaximumSalesChargeOnReinvestedDividendsAndDistributionsOverOther none
Redemption or exchange fee rr_RedemptionFeeOverRedemption none
Account maintenance fee (annual fee on accounts under $2,000) rr_ShareholderFeeOther none
Management fees rr_ManagementFeesOverAssets 0.10%
Other expenses rr_OtherExpensesOverAssets 0.42%
Acquired Fund fees and expenses rr_AcquiredFundFeesAndExpensesOverAssets 0.46% [3]
Total annual Fund operating expenses rr_ExpensesOverAssets 0.98%
Waivers and expense reimbursements rr_FeeWaiverOrReimbursementOverAssets (0.17%) [4]
Total annual Fund operating expenses after fee waiver and/or expense reimbursement rr_NetExpensesOverAssets 0.81%
Expense Example, with Redemption, 1 Year rr_ExpenseExampleYear01 $ 83
Expense Example, with Redemption, 3 Years rr_ExpenseExampleYear03 295
Expense Example, with Redemption, 5 Years rr_ExpenseExampleYear05 525
Expense Example, with Redemption, 10 Years rr_ExpenseExampleYear10 $ 1,186
1 Year rr_AverageAnnualReturnYear01 (11.39%)
5 Years rr_AverageAnnualReturnYear05 4.42%
Since Inception rr_AverageAnnualReturnSinceInception 9.47%
Inception Date rr_AverageAnnualReturnInceptionDate Dec. 09, 2011
TIAA-CREF Lifestyle Aggressive Growth Fund | Retail Class  
Risk/Return: rr_RiskReturnAbstract  
Maximum sales charge imposed on purchases (percentage of offering price) rr_MaximumSalesChargeImposedOnPurchasesOverOfferingPrice none
Maximum deferred sales charge rr_MaximumDeferredSalesChargeOverOfferingPrice none
Maximum sales charge imposed on reinvested dividends and other distributions rr_MaximumSalesChargeOnReinvestedDividendsAndDistributionsOverOther none
Redemption or exchange fee rr_RedemptionFeeOverRedemption none
Account maintenance fee (annual fee on accounts under $2,000) rr_ShareholderFeeOther $ 15.00
Management fees rr_ManagementFeesOverAssets 0.10%
Distribution (Rule 12b-1) fees rr_DistributionAndService12b1FeesOverAssets 0.25%
Other expenses rr_OtherExpensesOverAssets 0.22%
Acquired Fund fees and expenses rr_AcquiredFundFeesAndExpensesOverAssets 0.46% [3]
Total annual Fund operating expenses rr_ExpensesOverAssets 1.03%
Waivers and expense reimbursements rr_FeeWaiverOrReimbursementOverAssets (0.17%) [4]
Total annual Fund operating expenses after fee waiver and/or expense reimbursement rr_NetExpensesOverAssets 0.86%
Expense Example, with Redemption, 1 Year rr_ExpenseExampleYear01 $ 88
Expense Example, with Redemption, 3 Years rr_ExpenseExampleYear03 311
Expense Example, with Redemption, 5 Years rr_ExpenseExampleYear05 552
Expense Example, with Redemption, 10 Years rr_ExpenseExampleYear10 $ 1,244
1 Year rr_AverageAnnualReturnYear01 (11.46%)
5 Years rr_AverageAnnualReturnYear05 4.35%
Since Inception rr_AverageAnnualReturnSinceInception 9.39%
Inception Date rr_AverageAnnualReturnInceptionDate Dec. 09, 2011
[1] Performance is calculated from the inception date of the Institutional Class.
[2] As of the close of business on December 31, 2018, the Lifestyle Aggressive Growth Fund Composite Index consisted of: 70.0% Russell 3000® Index; and 30.0% MSCI All Country World Index ex USA Investable Market Index. The Fund's composite benchmark, the components that make up a composite benchmark and the method of calculating a composite benchmark's performance may vary over time.
[3] "Acquired Fund fees and expenses" are the Fund's proportionate amount of the expenses of any investment companies or pools in which it invests. These expenses are not paid directly by Fund shareholders. Instead, Fund shareholders bear these expenses indirectly because they reduce Fund performance. Because "Acquired Fund fees and expenses" are included in the chart above, the Fund's operating expenses here will not correlate with the expenses included in the Financial highlights in this Prospectus and the Fund's annual report.
[4] Under the Fund's expense reimbursement arrangements, the Fund's investment adviser, Teachers Advisors, LLC ("Advisors"), has contractually agreed to reimburse the Fund for any Total annual Fund operating expenses (excluding interest, taxes, brokerage commissions or other transactional expenses, Acquired Fund fees and expenses and extraordinary expenses) that exceed: (i) 0.10% of average daily net assets for Institutional Class shares; (ii) 0.25% of average daily net assets for Advisor Class shares; (iii) 0.25% of average daily net assets for Premier Class shares; (iv) 0.35% of average daily net assets for Retirement Class shares; and (v) 0.49% of average daily net assets for Retail Class shares of the Fund. These expense reimbursement arrangements will continue through at least September 30, 2020, unless changed with approval of the Board of Trustees.
[5] Restated to reflect estimate for the current fiscal year.
[6] The performance shown for the Advisor Class that is prior to its inception date is based on performance of the Fund's Institutional Class. The performance for these periods has not been restated to reflect higher expenses of the Advisor Class. If those expenses had been reflected, the performance would have been lower.

XML 99 R169.htm IDEA: XBRL DOCUMENT v3.19.3
Label Element Value
TIAA-CREF Lifecycle Index 2060 Fund  
Risk/Return: rr_RiskReturnAbstract  
Risk/Return [Heading] rr_RiskReturnHeading TIAA-CREF Lifecycle Index 2060 Fund
Objective [Heading] rr_ObjectiveHeading Investment objective
Objective, Primary [Text Block] rr_ObjectivePrimaryTextBlock

The Lifecycle Index 2060 Fund seeks high total return over time through a combination of capital appreciation and income.

Expense [Heading] rr_ExpenseHeading Fees and expenses
Expense Narrative [Text Block] rr_ExpenseNarrativeTextBlock

This table describes the fees and expenses that you may pay if you buy and hold shares of the Fund. In addition to the fees and expenses described below, investors may be required to pay a commission to a broker-dealer or other financial intermediary on purchases and sales of Institutional Class or Advisor Class shares of the Fund.

Shareholder Fees Caption [Text] rr_ShareholderFeesCaption SHAREHOLDER FEES (fees paid directly from your investment)
Operating Expenses Caption [Text] rr_OperatingExpensesCaption ANNUAL FUND OPERATING EXPENSES (expenses that you pay each year as a percentage of the value of your investment)
Portfolio Turnover [Heading] rr_PortfolioTurnoverHeading Portfolio turnover
Portfolio Turnover [Text Block] rr_PortfolioTurnoverTextBlock

The Fund pays transaction costs, such as commissions, when it buys and sells securities (or “turns over” its portfolio). A higher portfolio turnover rate may indicate higher transaction costs and may result in higher taxes when Fund shares are held in a taxable account. These costs, which are not reflected in annual fund operating expenses or in the example, affect the Fund’s performance. During the fiscal year ended May 31, 2019, the Fund’s portfolio turnover rate was 28% of the average value of its portfolio.

Portfolio Turnover, Rate rr_PortfolioTurnoverRate 28.00%
Expenses Restated to Reflect Current [Text] rr_ExpensesRestatedToReflectCurrent Restated to reflect estimates for the current fiscal year.
Expense Example [Heading] rr_ExpenseExampleHeading Example
Expense Example Narrative [Text Block] rr_ExpenseExampleNarrativeTextBlock

This example is intended to help you compare the cost of investing in shares of the Fund with the cost of investing in other mutual funds. The example assumes that you invest $10,000 in the Fund for the time periods indicated and then redeem all your shares at the end of those periods. The example also assumes that your investment has a 5% return each year and that the Fund’s operating expenses, before fee waivers and/or expense reimbursements, remain the same. The example assumes that the Fund’s fee waiver and/or expense reimbursement arrangements will each remain in place for the durations noted in the table above. Although your actual costs may be higher or lower, based on these assumptions your costs would be:

Strategy [Heading] rr_StrategyHeading Principal investment strategies
Strategy Narrative [Text Block] rr_StrategyNarrativeTextBlock

The Fund is a “fund of funds” that invests in Class W shares of other funds of the Trust and potentially in other investment pools or investment products, including other funds advised by the Fund’s investment adviser, Teachers Advisors, LLC (“Advisors”), or its affiliates (collectively, the “Underlying Funds”). In general, the Fund is designed for investors who have an approximate target retirement year in mind, and the Fund’s investments are adjusted from more aggressive to more conservative over time as the Fund’s target retirement year approaches and for approximately 30 years afterwards. The Fund invests in Underlying Funds according to an asset allocation strategy designed for investors retiring in, or planning to retire within a few years of, 2060 and who may begin taking systematic withdrawals upon retirement. The Fund has a policy of investing at least 80% of its assets (net assets, plus the amount of any borrowings for investment purposes) in Underlying Funds that are managed to seek investment returns that track particular market indices.


Advisors currently expects to allocate approximately 93.75% of the Fund’s assets to equity Underlying Funds and 6.25% of its assets to fixed-income Underlying Funds. These allocations represent targets for equity and fixed-income asset classes. Target allocations will change over time and actual allocations may vary up to ten percentage points from the targets. The target allocations along the investment glidepath, illustrated in the chart below, gradually become more conservative, moving to target allocations of approximately 50.00% equity/50.00% fixed-income in the Fund’s target retirement year of 2060 and reaching the Fund’s final target allocation of approximately 20.00% equity/80.00% fixed-income in 2090. Within the equity and fixed-income asset classes, Advisors allocates the Fund’s investments to particular market sectors (U.S. equity, international equity, fixed-income, short-term fixed-income and inflation-protected assets) represented by various Underlying Funds. These market sector allocations may vary by up to 10% from the Fund’s target market sector allocations. The Fund’s current target market sector allocations for June 30, 2020, which will change over time, are approximately as follows: U.S. Equity: 65.62%; International Equity: 28.13%; Fixed-Income: 6.25%; Short-Term Fixed-Income: 0.00%; and Inflation-Protected Assets: 0.00%. The asset class and market sector names used herein are intended to reflect the primary type of investment of the Underlying Funds within each of these categories.


The Fund’s target market sector allocations to Underlying Funds may include the TIAA-CREF Equity Index Fund (U.S. Equity); Emerging Markets Equity Index Fund and International Equity Index Fund (International Equity); Bond Index Fund (Fixed-Income); Short-Term Bond Index Fund (Short-Term Fixed-Income); and Inflation-Linked Bond Fund (Inflation-Protected Assets).


Additional or replacement Underlying Funds for each market sector, as well as additional or replacement market sectors, may be included when making future allocations if Advisors believes that such Underlying Funds and/or market sectors are appropriate in light of the Fund’s desired levels of risk and potential return at the particular time. The Fund’s portfolio management team may also add a new market sector if it believes that will help to achieve the Fund’s investment objective. The relative allocations among Underlying Funds within a market sector may be changed at any time without notice to shareholders. If 10% or more of the Fund’s assets are expected to be invested in any Underlying Fund or market sector not listed above, shareholders will receive prior notice of such change.


The Fund’s asset class allocations, market sector allocations within each asset class, and Underlying Fund allocations within each market sector, for June 30, 2019, are listed in the chart below. These allocations will change over time. Underlying Fund allocations in particular may change from year to year.


        

Asset Class

Allocation

  

Market Sector

Allocation

 

Underlying Funds

Allocation

Equity

94.13%

 

U.S. Equity

66.01%

 

Ÿ Equity Index Fund

66.01%

   

International Equity

28.12%

 

Ÿ International Equity Index Fund

20.16%

      

Ÿ Emerging Markets Equity Index Fund

7.96%

Fixed-Income

5.87%

 

Fixed-Income

5.87%

 

Ÿ Bond Index Fund

5.87%


        

Total

100.00%

  

100.00%

  

100.00%


The following chart shows how the investment glidepath for the Fund is expected to gradually move the Fund’s target allocations over time between the different target market sector allocations. The actual market sector allocations of the Fund may differ from this chart. The Fund seeks to achieve its final target market sector allocations approximately 30 years following the target date.


Lifecycle Index Funds Glidepath as of June 30, 2020
Years to Target Retirement Date US Equities International Equities Fixed Income Short Term Fixed Income Inflation Protected Bonds
45 66.50% 28.50% 5.00% 0.00% 0.00%
40 65.62% 28.13% 6.25% 0.00% 0.00%
35 64.75% 27.75% 7.50% 0.00% 0.00%
30 63.87% 27.38% 8.75% 0.00% 0.00%
25 63.00% 27.00% 10.00% 0.00% 0.00%
20 57.40% 24.60% 18.00% 0.00% 0.00%
15 51.80% 22.20% 26.00% 0.00% 0.00%
10 46.20% 19.80% 30.00% 2.00% 2.00%
5 40.60% 17.40% 34.00% 4.00% 4.00%
0 35.00% 15.00% 38.00% 6.00% 6.00%
-5 31.50% 13.50% 39.00% 8.00% 8.00%
-10 28.00% 12.00% 40.00% 10.00% 10.00%
-15 24.50% 10.50% 40.00% 15.00% 10.00%
-20 21.00% 9.00% 40.00% 20.00% 10.00%
-25 17.50% 7.50% 40.00% 25.00% 10.00%
-30 14.00% 6.00% 40.00% 30.00% 10.00%

The Fund is designed to accommodate investors who invest in a fund up to their target retirement date, and plan to make gradual systematic withdrawals in retirement. In addition, investors should note that the Fund will continue to have a significant level of equity exposure up to, through and after its target retirement date, and this exposure could cause significant fluctuations in the value of the Fund depending on the performance of the equity markets generally.


After the Fund reaches its final target allocation, the Board of Trustees may authorize the merger of the Fund into another Lifecycle Index Fund which has also reached its final target allocation or other similar fund designed to maintain a relatively stable asset allocation reflecting the resting point on the glidepath described in the chart above. Fund shareholders will receive prior notice of any such merger.

Risk [Heading] rr_RiskHeading Principal investment risks
Risk Narrative [Text Block] rr_RiskNarrativeTextBlock

You could lose money over short or long periods by investing in this Fund. An investment in the Fund, due to the nature of the Fund’s portfolio holdings, typically is subject to the following principal investment risks:


· Asset Allocation Risk—The risk that the Fund may not achieve its target allocations. In addition, there is the risk that the asset allocations may not achieve the desired risk-return characteristic or that the selection of Underlying Funds and the allocations among them will result in the Fund underperforming other similar funds or cause an investor to lose money.


· Index Risk—The risk that the Fund’s performance may not correspond to its benchmark index for any period of time and may underperform such index or the overall financial market. Additionally, to the extent that the Fund’s investments vary from the composition of its benchmark index, the Fund’s performance could potentially vary from the index’s performance to a greater extent than if the Fund merely attempted to replicate the index.


· Underlying Funds Risks—The Fund is exposed to the risks of the Underlying Funds in which it invests in direct proportion to the amount of assets the Fund allocates to each Underlying Fund.


· Equity Underlying Funds Risks—The risks of investing in equity Underlying Funds include risks specific to their investment strategies, as well as risks related to the equity markets in general, such as:


· market risk—The risk that the price of equity investments may decline in response to general market and economic conditions or events, including conditions and developments outside of the financial markets;


· issuer risk—The risk that an issuer’s earnings prospects and overall financial position will deteriorate, causing a decline in the value of the issuer’s financial instruments over short or extended periods of time; and


· foreign investment risk—The increased risks of adverse issuer, political, regulatory, currency, market or economic developments compared to investments in U.S. issuers, which can result in greater market and price volatility.


· Fixed-Income Underlying Funds Risks—The risks of investing in fixed-income Underlying Funds include risks specific to their investment strategies, as well as risks related to the fixed-income markets in general, such as:


· interest rate risk—The risk that the value or yield of fixed-income investments may decline if interest rates change, which could adversely affect a Fund’s income or the value of its holdings;


· extension risk—The risk that during periods of rising interest rates, borrowers may pay off their mortgage loans later than expected, preventing a Fund from reinvesting principal proceeds at higher interest rates and resulting in less income than potentially available;


· issuer risk—The risk that an issuer’s earnings prospects and overall financial position will deteriorate, causing a decline in the value of the issuer’s financial instruments over short or extended periods of time;


· credit risk—The risk that a decline in an issuer’s financial position may prevent it from making principal and interest payments on fixed-income investments held by a Fund when due;


· credit spread risk—The risk that credit spreads (i.e., the difference in yield between securities that is due to differences in each security’s respective credit quality) may increase when market participants believe that bonds generally have a greater risk of default, which could result in a decline in the market values of a Fund’s debt securities;


· income volatility risk—The risk that the level of current income from a Fund’s portfolio of fixed-income securities may decline due to rapid and unpredictable changes in prevailing market interest rates; and


· call risk—The risk that, during periods of falling interest rates, an issuer may call (or repay) a fixed-income security prior to maturity, resulting in a decline in a Fund’s income.


· Active Management Risk—The risk that the strategy, investment selection or trading execution of Advisors could cause the Fund or an Underlying Fund to underperform its benchmark index or mutual funds with similar investment objectives.


· Fund of Funds Risk—The ability of the Fund to achieve its investment objective will depend in part upon the ability of the Underlying Funds to achieve their investment objectives. There can be no guarantee that any Underlying Fund will achieve its investment objective.


There can be no assurances that the Fund will achieve its investment objective. You should not consider the Fund to be a complete investment program. Please see the non-summary portion of the Prospectus for more detailed information about the risks described above, including the risks of the Underlying Funds.

Risk Lose Money [Text] rr_RiskLoseMoney You could lose money over short or long periods by investing in this Fund.
Bar Chart and Performance Table [Heading] rr_BarChartAndPerformanceTableHeading Past performance
Performance Narrative [Text Block] rr_PerformanceNarrativeTextBlock

The following chart and table help illustrate some of the risks of investing in the Fund by showing changes in the Fund’s performance from year to year. The bar chart shows the annual total returns of the Retirement Class of the Fund, before taxes, in each full calendar year since inception of the Retirement Class. Because the expenses vary across share classes, the performance of the Retirement Class may vary from the other share classes. Below the bar chart are the best and worst returns of the Retirement Class for a calendar quarter during the full calendar-year periods covered by the bar chart. The performance table following the bar chart shows the Fund’s average annual total returns for the Retirement, Institutional, Advisor and Premier classes over the applicable one-year, five-year, ten-year and since-inception periods ended December 31, 2018, and how those returns compare to those of a broad-based securities market index and a composite index based on the Fund’s target allocations. After-tax performance is shown only for the Retirement Class shares, and after-tax returns for the other classes of shares will vary from the after-tax returns presented for Retirement Class shares.


The returns shown below reflect previous agreements by Advisors to waive or reimburse the Fund and certain Underlying Funds for certain fees and expenses. Without these waivers and reimbursements, the returns of the Fund would have been lower. Past performance of the Fund (before and after taxes) is not necessarily an indication of how it will perform in the future. The indices listed below are unmanaged, and you cannot invest directly in an index. The returns for the indices reflect no deduction for fees, expenses or taxes.


For current performance information of each share class, including performance to the most recent month-end, please visit www.tiaa.org.

Performance Information Illustrates Variability of Returns [Text] rr_PerformanceInformationIllustratesVariabilityOfReturns The following chart and table help illustrate some of the risks of investing in the Fund by showing changes in the Fund’s performance from year to year.
Performance Additional Market Index [Text] rr_PerformanceAdditionalMarketIndex As of the close of business on December 31, 2018, the Lifecycle Index 2060 Fund Composite Index consisted of: 65.9% Russell 3000® Index; 28.2% MSCI EAFE + Emerging Markets Index; and 5.9% Bloomberg Barclays U.S. Aggregate Bond Index. The Fund’s composite benchmark, the components that make up a composite benchmark and the method of calculating a composite benchmark’s performance may vary over time.
Performance Availability Website Address [Text] rr_PerformanceAvailabilityWebSiteAddress www.tiaa.org
Performance Past Does Not Indicate Future [Text] rr_PerformancePastDoesNotIndicateFuture Past performance of the Fund (before and after taxes) is not necessarily an indication of how it will perform in the future.
Bar Chart [Heading] rr_BarChartHeading ANNUAL TOTAL RETURNS FOR THE RETIREMENT CLASS SHARES (%)† Lifecycle Index 2060 Fund
Bar Chart Footnotes [Text Block] rr_BarChartFootnotesTextBlock

 The year-to-date return as of the most recent calendar quarter, which ended on June 30, 2019, was 16.05%.

Bar Chart Closing [Text Block] rr_BarChartClosingTextBlock

Best quarter: 6.23%, for the quarter ended March 31, 2017. Worst quarter: -12.40%, for the quarter ended December 31, 2018.

Year to Date Return, Label rr_YearToDateReturnLabel The year-to-date return as of the most recent calendar quarter, which ended on June 30, 2019, was
Bar Chart, Year to Date Return, Date rr_BarChartYearToDateReturnDate Jun. 30, 2019
Bar Chart, Year to Date Return rr_BarChartYearToDateReturn 16.05%
Highest Quarterly Return, Label rr_HighestQuarterlyReturnLabel Best quarter:
Highest Quarterly Return, Date rr_BarChartHighestQuarterlyReturnDate Mar. 31, 2017
Highest Quarterly Return rr_BarChartHighestQuarterlyReturn 6.23%
Lowest Quarterly Return, Label rr_LowestQuarterlyReturnLabel Worst quarter:
Lowest Quarterly Return, Date rr_BarChartLowestQuarterlyReturnDate Dec. 31, 2018
Lowest Quarterly Return rr_BarChartLowestQuarterlyReturn (12.40%)
Index No Deduction for Fees, Expenses, Taxes [Text] rr_IndexNoDeductionForFeesExpensesTaxes (reflects no deductions for fees, expenses or taxes)
Performance Table Uses Highest Federal Rate rr_PerformanceTableUsesHighestFederalRate After-tax returns are calculated using the historical highest individual federal marginal income tax rates in effect during the periods shown and do not reflect the impact of state and local taxes.
Performance Table Not Relevant to Tax Deferred rr_PerformanceTableNotRelevantToTaxDeferred The after-tax returns shown are not relevant to investors who hold their Fund shares through tax-deferred arrangements such as 401(a), 401(k) or 403(b) plans or Individual Retirement Accounts (IRAs).
Performance Table One Class of after Tax Shown [Text] rr_PerformanceTableOneClassOfAfterTaxShown After-tax performance is shown only for the Retirement Class shares, and after-tax returns for the other classes of shares will vary from the after-tax returns presented for Retirement Class shares.
Performance Table Closing [Text Block] rr_PerformanceTableClosingTextBlock

Current performance of the Fund’s shares may be higher or lower than that shown above.


After-tax returns are calculated using the historical highest individual federal marginal income tax rates in effect during the periods shown and do not reflect the impact of state and local taxes. Actual after-tax returns depend on the investor’s tax situation and may differ from those shown. The after-tax returns shown are not relevant to investors who hold their Fund shares through tax-deferred arrangements such as 401(a), 401(k) or 403(b) plans or Individual Retirement Accounts (IRAs). After-tax returns are shown for only one class, and after-tax returns for other classes will vary.

Average Annual Return, Caption rr_AverageAnnualReturnCaption AVERAGE ANNUAL TOTAL RETURNS For the Periods Ended December 31, 2018
TIAA-CREF Lifecycle Index 2060 Fund | S&P Target Date 2060+ Index  
Risk/Return: rr_RiskReturnAbstract  
1 Year rr_AverageAnnualReturnYear01 (7.95%)
Since Inception rr_AverageAnnualReturnSinceInception 4.99% [1]
TIAA-CREF Lifecycle Index 2060 Fund | Lifecycle Index 2060 Fund Composite Index (reflects no deductions for fees, expenses or taxes)  
Risk/Return: rr_RiskReturnAbstract  
1 Year rr_AverageAnnualReturnYear01 (7.35%) [2]
Since Inception rr_AverageAnnualReturnSinceInception 5.51% [1],[2]
TIAA-CREF Lifecycle Index 2060 Fund | Institutional Class  
Risk/Return: rr_RiskReturnAbstract  
Maximum sales charge imposed on purchases (percentage of offering price) rr_MaximumSalesChargeImposedOnPurchasesOverOfferingPrice none
Maximum deferred sales charge rr_MaximumDeferredSalesChargeOverOfferingPrice none
Maximum sales charge imposed on reinvested dividends and other distributions rr_MaximumSalesChargeOnReinvestedDividendsAndDistributionsOverOther none
Redemption or exchange fee rr_RedemptionFeeOverRedemption none
Maximum account fee rr_MaximumAccountFeeOverAssets none
Management fees rr_ManagementFeesOverAssets 0.15% [3],[4]
Other expenses rr_OtherExpensesOverAssets 0.18% [3],[4]
Total annual Fund operating expenses rr_ExpensesOverAssets 0.33%
Waivers and expense reimbursements rr_FeeWaiverOrReimbursementOverAssets (0.23%) [5],[6]
Total annual Fund operating expenses after fee waiver and/or expense reimbursement rr_NetExpensesOverAssets 0.10%
Expense Example, with Redemption, 1 Year rr_ExpenseExampleYear01 $ 10
Expense Example, with Redemption, 3 Years rr_ExpenseExampleYear03 83
Expense Example, with Redemption, 5 Years rr_ExpenseExampleYear05 162
Expense Example, with Redemption, 10 Years rr_ExpenseExampleYear10 $ 396
1 Year rr_AverageAnnualReturnYear01 (7.13%)
Since Inception rr_AverageAnnualReturnSinceInception 5.45%
Inception Date rr_AverageAnnualReturnInceptionDate Sep. 26, 2014
TIAA-CREF Lifecycle Index 2060 Fund | Advisor Class  
Risk/Return: rr_RiskReturnAbstract  
Maximum sales charge imposed on purchases (percentage of offering price) rr_MaximumSalesChargeImposedOnPurchasesOverOfferingPrice none
Maximum deferred sales charge rr_MaximumDeferredSalesChargeOverOfferingPrice none
Maximum sales charge imposed on reinvested dividends and other distributions rr_MaximumSalesChargeOnReinvestedDividendsAndDistributionsOverOther none
Redemption or exchange fee rr_RedemptionFeeOverRedemption none
Maximum account fee rr_MaximumAccountFeeOverAssets none
Management fees rr_ManagementFeesOverAssets 0.15% [3],[4]
Other expenses rr_OtherExpensesOverAssets 0.26% [3],[4]
Total annual Fund operating expenses rr_ExpensesOverAssets 0.41%
Waivers and expense reimbursements rr_FeeWaiverOrReimbursementOverAssets (0.23%) [5],[6]
Total annual Fund operating expenses after fee waiver and/or expense reimbursement rr_NetExpensesOverAssets 0.18%
Expense Example, with Redemption, 1 Year rr_ExpenseExampleYear01 $ 18
Expense Example, with Redemption, 3 Years rr_ExpenseExampleYear03 108
Expense Example, with Redemption, 5 Years rr_ExpenseExampleYear05 207
Expense Example, with Redemption, 10 Years rr_ExpenseExampleYear10 $ 495
1 Year rr_AverageAnnualReturnYear01 (7.16%)
Since Inception rr_AverageAnnualReturnSinceInception 5.36% [7]
Inception Date rr_AverageAnnualReturnInceptionDate Dec. 04, 2015
TIAA-CREF Lifecycle Index 2060 Fund | Premier Class  
Risk/Return: rr_RiskReturnAbstract  
Maximum sales charge imposed on purchases (percentage of offering price) rr_MaximumSalesChargeImposedOnPurchasesOverOfferingPrice none
Maximum deferred sales charge rr_MaximumDeferredSalesChargeOverOfferingPrice none
Maximum sales charge imposed on reinvested dividends and other distributions rr_MaximumSalesChargeOnReinvestedDividendsAndDistributionsOverOther none
Redemption or exchange fee rr_RedemptionFeeOverRedemption none
Maximum account fee rr_MaximumAccountFeeOverAssets none
Management fees rr_ManagementFeesOverAssets 0.15% [3],[4]
Distribution (Rule 12b-1) fees rr_DistributionAndService12b1FeesOverAssets 0.15%
Other expenses rr_OtherExpensesOverAssets 0.18% [3],[4]
Total annual Fund operating expenses rr_ExpensesOverAssets 0.48%
Waivers and expense reimbursements rr_FeeWaiverOrReimbursementOverAssets (0.23%) [5],[6]
Total annual Fund operating expenses after fee waiver and/or expense reimbursement rr_NetExpensesOverAssets 0.25%
Expense Example, with Redemption, 1 Year rr_ExpenseExampleYear01 $ 26
Expense Example, with Redemption, 3 Years rr_ExpenseExampleYear03 131
Expense Example, with Redemption, 5 Years rr_ExpenseExampleYear05 246
Expense Example, with Redemption, 10 Years rr_ExpenseExampleYear10 $ 581
1 Year rr_AverageAnnualReturnYear01 (7.26%)
Since Inception rr_AverageAnnualReturnSinceInception 5.31%
Inception Date rr_AverageAnnualReturnInceptionDate Sep. 26, 2014
TIAA-CREF Lifecycle Index 2060 Fund | Retirement Class  
Risk/Return: rr_RiskReturnAbstract  
Maximum sales charge imposed on purchases (percentage of offering price) rr_MaximumSalesChargeImposedOnPurchasesOverOfferingPrice none
Maximum deferred sales charge rr_MaximumDeferredSalesChargeOverOfferingPrice none
Maximum sales charge imposed on reinvested dividends and other distributions rr_MaximumSalesChargeOnReinvestedDividendsAndDistributionsOverOther none
Redemption or exchange fee rr_RedemptionFeeOverRedemption none
Maximum account fee rr_MaximumAccountFeeOverAssets none
Management fees rr_ManagementFeesOverAssets 0.15% [3],[4]
Other expenses rr_OtherExpensesOverAssets 0.43% [3],[4]
Total annual Fund operating expenses rr_ExpensesOverAssets 0.58%
Waivers and expense reimbursements rr_FeeWaiverOrReimbursementOverAssets (0.23%) [5],[6]
Total annual Fund operating expenses after fee waiver and/or expense reimbursement rr_NetExpensesOverAssets 0.35%
Expense Example, with Redemption, 1 Year rr_ExpenseExampleYear01 $ 36
Expense Example, with Redemption, 3 Years rr_ExpenseExampleYear03 163
Expense Example, with Redemption, 5 Years rr_ExpenseExampleYear05 301
Expense Example, with Redemption, 10 Years rr_ExpenseExampleYear10 $ 704
Annual Return 2015 rr_AnnualReturn2015 (0.90%)
Annual Return 2016 rr_AnnualReturn2016 9.55%
Annual Return 2017 rr_AnnualReturn2017 21.61%
Annual Return 2018 rr_AnnualReturn2018 (7.33%)
1 Year rr_AverageAnnualReturnYear01 (7.33%)
Since Inception rr_AverageAnnualReturnSinceInception 5.20%
Inception Date rr_AverageAnnualReturnInceptionDate Sep. 26, 2014
TIAA-CREF Lifecycle Index 2060 Fund | Retirement Class | After Taxes on Distributions  
Risk/Return: rr_RiskReturnAbstract  
1 Year rr_AverageAnnualReturnYear01 (7.91%)
Since Inception rr_AverageAnnualReturnSinceInception 4.48%
TIAA-CREF Lifecycle Index 2060 Fund | Retirement Class | After Taxes on Distributions and Sale of Fund Shares  
Risk/Return: rr_RiskReturnAbstract  
1 Year rr_AverageAnnualReturnYear01 (3.97%)
Since Inception rr_AverageAnnualReturnSinceInception 3.93%
[1] Performance is calculated from the inception date of the Retirement Class.
[2] As of the close of business on December 31, 2018, the Lifecycle Index 2060 Fund Composite Index consisted of: 65.9% Russell 3000® Index; 28.2% MSCI EAFE + Emerging Markets Index; and 5.9% Bloomberg Barclays U.S. Aggregate Bond Index. The Fund's composite benchmark, the components that make up a composite benchmark and the method of calculating a composite benchmark's performance may vary over time.
[3] Portions of the Management fees and Other expenses are based on expenses originally incurred by Class W shares of the Underlying Funds (as defined below) of the Trust, which have been incurred directly by the Fund pursuant to certain contractual arrangements intended to reallocate directly to the Fund certain fees and expenses that had been paid by the Underlying Funds of the Trust. For additional information, please see the "Management of the Funds" section of this Prospectus.
[4] Restated to reflect estimates for the current fiscal year.
[5] Advisors has contractually agreed to waive 0.06% of the Fund's Management fee. This waiver will remain in effect through September 30, 2020, unless changed with the approval of the Board of Trustees.
[6] Under the Fund's expense reimbursement arrangements, the Fund's investment adviser, Teachers Advisors, LLC ("Advisors"), has contractually agreed to reimburse the Fund for any Total annual Fund operating expenses (excluding interest, taxes, brokerage commissions or other transactional expenses, Acquired Fund fees and expenses, extraordinary expenses and any expenses originally attributable to Class W shares of the Underlying Funds of the Trust that were incurred directly by the Fund) that exceed: (i) 0.04% of average daily net assets for Institutional Class shares; (ii) 0.19% of average daily net assets for Advisor Class shares; (iii) 0.19% of average daily net assets for Premier Class shares; and (iv) 0.29% of average daily net assets for Retirement Class shares of the Fund. These expense reimbursement arrangements will continue through at least September 30, 2020, unless changed with approval of the Board of Trustees.
[7] The performance shown for the Advisor Class that is prior to its inception date is based on performance of the Fund's Retirement Class. The performance for these periods has not been restated to reflect the lower expenses of the Advisor Class.
XML 100 R191.htm IDEA: XBRL DOCUMENT v3.19.3
TIAA-CREF Lifestyle Growth Fund
TIAA-CREF Lifestyle Growth Fund
Investment objective

The Fund seeks long-term growth of capital with some current income.

Fees and expenses

This table describes the fees and expenses that you may pay if you buy and hold shares of the Fund. In addition to the fees and expenses described below, investors may be required to pay a commission to a broker-dealer or other financial intermediary on purchases and sales of Institutional Class or Advisor Class shares of the Fund.

SHAREHOLDER FEES (fees paid directly from your investment)
Shareholder Fees - TIAA-CREF Lifestyle Growth Fund - USD ($)
Institutional Class
Advisor Class
Premier Class
Retirement Class
Retail Class
Maximum sales charge imposed on purchases (percentage of offering price) none none none none none
Maximum deferred sales charge none none none none none
Maximum sales charge imposed on reinvested dividends and other distributions none none none none none
Redemption or exchange fee none none none none none
Account maintenance fee (annual fee on accounts under $2,000) none none none none $ 15.00
ANNUAL FUND OPERATING EXPENSES (expenses that you pay each year as a percentage of the value of your investment)
Annual Fund Operating Expenses - TIAA-CREF Lifestyle Growth Fund
Institutional Class
Advisor Class
Premier Class
Retirement Class
Retail Class
Management fees 0.10% 0.10% 0.10% 0.10% 0.10%
Distribution (Rule 12b-1) fees     0.15%   0.25%
Other expenses 0.13% 0.21% [1] 0.13% 0.37% 0.15%
Acquired Fund fees and expenses [2] 0.43% 0.43% 0.43% 0.43% 0.43%
Total annual Fund operating expenses 0.66% 0.74% 0.81% 0.90% 0.93%
Waivers and expense reimbursements [3] (0.13%) (0.13%) (0.13%) (0.12%) (0.12%)
Total annual Fund operating expenses after fee waiver and/or expense reimbursement 0.53% 0.63% 0.68% 0.78% 0.81%
[1] Restated to reflect estimate for the current fiscal year.
[2] "Acquired Fund fees and expenses" are the Fund's proportionate amount of the expenses of any investment companies or pools in which it invests. These expenses are not paid directly by Fund shareholders. Instead, Fund shareholders bear these expenses indirectly because they reduce Fund performance. Because "Acquired Fund fees and expenses" are included in the chart above, the Fund's operating expenses here will not correlate with the expenses included in the Financial highlights in this Prospectus and the Fund's annual report.
[3] Under the Fund's expense reimbursement arrangements, the Fund's investment adviser, Teachers Advisors, LLC ("Advisors"), has contractually agreed to reimburse the Fund for any Total annual Fund operating expenses (excluding interest, taxes, brokerage commissions or other transactional expenses, Acquired Fund fees and expenses and extraordinary expenses) that exceed: (i) 0.10% of average daily net assets for Institutional Class shares; (ii) 0.25% of average daily net assets for Advisor Class shares; (iii) 0.25% of average daily net assets for Premier Class shares; (iv) 0.35% of average daily net assets for Retirement Class shares; and (v) 0.49% of average daily net assets for Retail Class shares of the Fund. These expense reimbursement arrangements will continue through at least September 30, 2020, unless changed with approval of the Board of Trustees.
Example

This example is intended to help you compare the cost of investing in shares of the Fund with the cost of investing in other mutual funds. The example assumes that you invest $10,000 in the Fund for the time periods indicated and then redeem all your shares at the end of those periods. The example also assumes that your investment has a 5% return each year and that the Fund’s operating expenses, before fee waivers and/or expense reimbursements, remain the same. The example assumes that the Fund’s fee waiver and/or expense reimbursement arrangements will each remain in place for the duration noted in the table above. Although your actual costs may be higher or lower, based on these assumptions your costs would be:

Expense Example - TIAA-CREF Lifestyle Growth Fund - USD ($)
Institutional Class
Advisor Class
Premier Class
Retirement Class
Retail Class
1 year $ 54 $ 64 $ 69 $ 80 $ 83
3 years 198 226 246 275 284
5 years 355 401 437 487 503
10 years $ 810 $ 908 $ 990 $ 1,097 $ 1,132
Portfolio turnover

The Fund pays transaction costs, such as commissions, when it buys and sells securities (or “turns over” its portfolio). A higher portfolio turnover rate may indicate higher transaction costs and may result in higher taxes when Fund shares are held in a taxable account. These costs, which are not reflected in annual fund operating expenses or in the example, affect the Fund’s performance. During the fiscal year ended May 31, 2019, the Fund’s portfolio turnover rate was 29% of the average value of its portfolio.

Principal investment strategies

The Fund is a “fund of funds” that invests in Institutional Class shares of other funds of the Trust and potentially in other investment pools or investment products, including other funds advised by the Fund’s investment adviser, Teachers Advisors, LLC (“Advisors”), or its affiliates (collectively, the “Underlying Funds”). The Fund is designed for investors seeking long-term growth of capital with some current income through a relatively stable asset allocation strategy targeting a growth-oriented risk-return profile. Advisors generally seeks to meet the Fund’s investment objective by investing: (1) approximately 80% of the Fund’s assets in equity Underlying Funds and (2) approximately 20% of the Fund’s assets in fixed-income Underlying Funds. The Fund may deviate from these target allocations by up to ten percentage points depending upon current market conditions and outlook.


The Underlying Funds’ allocation targets generally represent targets for investments in equity and fixed-income asset classes. Within the equity and fixed-income asset classes, Advisors allocates the Fund’s investments to particular market sectors (which may include U.S. equity, international equity, fixed-income and short-term fixed-income) represented by various Underlying Funds. To maintain an appropriate allocation among the Underlying Funds, the portfolio managers monitor the domestic and foreign equity markets, as well as overall financial and economic conditions. The Fund may sometimes be more heavily weighted toward equities or fixed-income than the target allocations, if the portfolio managers believe market conditions warrant. For example, the Fund may increase its holdings in fixed-income Underlying Funds in periods when the portfolio managers believe the equity markets will decline. The market sector allocations and Underlying Fund allocations may also be changed over time by the portfolio managers, including the addition and removal of market sectors and Underlying Funds in which the Fund invests in light of the Fund’s desired level of risk and potential return at a particular time as evaluated by the portfolio managers based on a mix of qualitative and quantitative factors. The portfolio managers may also opportunistically purchase other Funds or other investment pools or investment products, based on the portfolio managers’ evaluation of the market sectors and/or Underlying Funds without prior notice to shareholders. If 10% or more of the Fund’s assets are expected to be invested in any Underlying Fund, market sector or asset class not listed in the chart below, shareholders will receive prior notice of such change.


As a result of its investments in the Underlying Funds, the Fund’s returns will reflect investments in a mix of domestic and foreign equities of companies of various sizes and a variety of domestic and foreign fixed-income instruments of private and governmental issuers of varying maturities and credit qualities.


As part of the Fund’s ability to invest in unaffiliated investment products or pools noted above, the Fund may invest in exchange-traded funds (“ETFs”) and exchange-traded notes (“ETNs”) to gain exposure to various market sectors or securities in order to effect its asset allocation strategy. Additionally, the Fund may use ETFs and ETNs for cash management, hedging or defensive purposes. ETFs and ETNs will be subject to the risks associated with the types of securities or sectors that they track, while ETNs, which are structured as fixed-income obligations, will also be subject to the general risks of fixed-income securities, including credit risk.


The Fund’s asset class allocations, market sector allocations within each asset class, and Underlying Fund allocations within each market sector as of June 30, 2019, are listed in the chart below. These allocations may change over time. Underlying Fund allocations in particular may change from year to year.


        

Asset Class

Allocation

  

Market Sector

Allocation

 

Underlying Funds

Allocation

Equity

80.45%

 

U.S. Equity

57.42%

 

Ÿ Large-Cap Growth Fund

14.26%

      

Ÿ Large-Cap Value Fund

13.80%

      

Ÿ Growth & Income Fund

12.62%

      

Ÿ Quant Large-Cap Growth Fund

7.32%

      

Ÿ Quant Large-Cap Value Fund

4.17%

      

Ÿ Quant Small-Cap Equity Fund

2.83%

      

Ÿ Quant Small/Mid-Cap Equity Fund

2.42%

   

International Equity

23.03%

 

Ÿ International Equity Fund

6.26%

      

Ÿ International Opportunities Fund

5.20%

      

Ÿ Quant International Equity Fund

4.26%

      

Ÿ Emerging Markets Equity Fund

4.11%

      

Ÿ Quant International Small-Cap Equity Fund

3.20%

Fixed-Income

19.55%

 

Fixed-Income

19.55%

 

Ÿ Bond Plus Fund

19.55%


        

Total

100.00%

  

100.00%

  

100.00%

Principal investment risks

You could lose money over short or long periods by investing in this Fund. An investment in the Fund, due to the nature of the Fund’s portfolio holdings, typically is subject to the following principal investment risks:


· Asset Allocation Risk—The risk that the Fund may not achieve its target allocations. In addition, there is the risk that the asset allocations may not achieve the desired risk-return characteristic or that the selection of Underlying Funds and the allocations among them will result in the Fund underperforming other similar funds or cause an investor to lose money.


· Underlying Funds Risks—The Fund is exposed to the risks of the Underlying Funds in which it invests in direct proportion to the amount of assets the Fund allocates to each Underlying Fund. Because the Fund targets its investments in a higher percentage of equity Underlying Funds, Equity Underlying Funds Risks are expected to predominate.


· Equity Underlying Funds Risks—The risks of investing in equity Underlying Funds include risks specific to their investment strategies, as well as risks related to the equity markets in general, such as:


· market risk—The risk that the price of equity investments may decline in response to general market and economic conditions or events, including conditions and developments outside of the financial markets;


· issuer risk—The risk that an issuer’s earnings prospects and overall financial position will deteriorate, causing a decline in the value of the issuer’s financial instruments over short or extended periods of time; and


· foreign investment risk—The increased risks of adverse issuer, political, regulatory, currency, market or economic developments compared to investments in U.S. issuers, which can result in greater market and price volatility.


· Fixed-Income Underlying Funds Risks—The risks of investing in fixed-income Underlying Funds include risks specific to their investment strategies, as well as risks related to the fixed-income markets in general, such as:


· interest rate risk—The risk that the value or yield of fixed-income investments may decline if interest rates change, which could adversely affect a Fund’s income or the value of its holdings;


· extension risk—The risk that during periods of rising interest rates, borrowers may pay off their mortgage loans later than expected, preventing a Fund from reinvesting principal proceeds at higher interest rates and resulting in less income than potentially available;


· issuer risk—The risk that an issuer’s earnings prospects and overall financial position will deteriorate, causing a decline in the value of the issuer’s financial instruments over short or extended periods of time;


· credit risk—The risk that a decline in an issuer’s financial position may prevent it from making principal and interest payments on fixed-income investments held by a Fund when due;


· credit spread risk—The risk that credit spreads (i.e., the difference in yield between securities that is due to differences in each security’s respective credit quality) may increase when market participants believe that bonds generally have a greater risk of default, which could result in a decline in the market values of a Fund’s debt securities;


· income volatility risk—The risk that the level of current income from a Fund’s portfolio of fixed-income securities may decline due to rapid and unpredictable changes in prevailing market interest rates; and


· call risk—The risk that, during periods of falling interest rates, an issuer may call (or repay) a fixed-income security prior to maturity, resulting in a decline in a Fund’s income.


· Active Management Risk—The risk that the strategy, investment selection or trading execution of Advisors could cause the Fund or an Underlying Fund to underperform its benchmark index or mutual funds with similar investment objectives.


· Fund of Funds Risk—The ability of the Fund to achieve its investment objective will depend in part upon the ability of the Underlying Funds to achieve their investment objectives. There can be no guarantee that any Underlying Fund will achieve its investment objective.


There can be no assurances that the Fund will achieve its investment objective. You should not consider the Fund to be a complete investment program. Please see the non-summary portion of the Prospectus for more detailed information about the risks described above, including the risks of the Underlying Funds.

Past performance

The following chart and table help illustrate some of the risks of investing in the Fund by showing changes in the Fund’s performance from year to year. The bar chart shows the annual total returns of the Institutional Class of the Fund, before taxes, in each full calendar year since inception of the Institutional Class. Because the expenses vary across share classes, the performance of the Institutional Class may vary from the other share classes. Below the bar chart are the best and worst returns of the Institutional Class for a calendar quarter during the full calendar-year periods covered by the bar chart. The performance table following the bar chart shows the Fund’s average annual total returns for the Institutional, Advisor, Premier, Retirement and Retail classes over the applicable one-year, five-year, ten-year and since-inception periods ended December 31, 2018, and how those returns compare to those of a broad-based securities market index and a composite index based on the Fund’s target allocations. After-tax performance is shown only for the Institutional Class shares, and after-tax returns for the other classes of shares will vary from the after-tax returns presented for Institutional Class shares.


The returns shown below reflect previous agreements by Advisors to waive or reimburse the Fund and certain Underlying Funds for certain fees and expenses. Without these waivers and reimbursements, the returns of the Fund would have been lower. Past performance of the Fund (before and after taxes) is not necessarily an indication of how it will perform in the future. The indices listed below are unmanaged, and you cannot invest directly in an index. The returns for the indices reflect no deduction for fees, expenses or taxes.


For current performance information of each share class, including performance to the most recent month-end, please visit www.tiaa.org.

ANNUAL TOTAL RETURNS FOR THE INSTITUTIONAL CLASS SHARES (%)† Lifestyle Growth Fund
Bar Chart

 The year-to-date return as of the most recent calendar quarter, which ended on June 30, 2019, was 15.52%.

Best quarter: 11.87%, for the quarter ended March 31, 2012. Worst quarter: -12.86%, for the quarter ended December 31, 2018.

AVERAGE ANNUAL TOTAL RETURNS For the Periods Ended December 31, 2018
Average Annual Returns - TIAA-CREF Lifestyle Growth Fund
1 Year
5 Years
Since Inception
Inception Date
Institutional Class (9.22%) 4.42% 8.52% Dec. 09, 2011
Advisor Class (9.21%) 4.39% [1] 8.50% [1] Dec. 04, 2015
Premier Class (9.30%) 4.25% 8.35% Dec. 09, 2011
Retirement Class (9.42%) 4.15% 8.25% Dec. 09, 2011
Retail Class (9.47%) 4.11% 8.20% Dec. 09, 2011
After Taxes on Distributions | Institutional Class (10.40%) 3.20% 7.33%  
After Taxes on Distributions and Sale of Fund Shares | Institutional Class (4.77%) 3.21% 6.56%  
Morningstar Moderately Aggressive Target Risk Index (reflects no deductions for fees, expenses or taxes) (6.74%) 4.60% 7.97% [2]  
Lifestyle Growth Fund Composite Index (reflects no deductions for fees, expenses or taxes) [3] (6.38%) 5.20% 8.55% [2]  
[1] The performance shown for the Advisor Class that is prior to its inception date is based on performance of the Fund's Institutional Class. The performance for these periods has not been restated to reflect higher expenses of the Advisor Class. If those expenses had been reflected, the performance would have been lower.
[2] Performance is calculated from the inception date of the Institutional Class.
[3] As of the close of business on December 31, 2018, the Lifestyle Growth Fund Composite Index consisted of: 56.0% Russell 3000® Index; 24.0% MSCI All Country World Index ex USA Investable Market Index; and 20.0% Bloomberg Barclays U.S. Aggregate Bond Index. The Fund's composite benchmark, the components that make up a composite benchmark and the method of calculating a composite benchmark's performance may vary over time.

Current performance of the Fund’s shares may be higher or lower than that shown above.


After-tax returns are calculated using the historical highest individual federal marginal income tax rates in effect during the periods shown and do not reflect the impact of state and local taxes. Actual after-tax returns depend on the investor’s tax situation and may differ from those shown. The after-tax returns shown are not relevant to investors who hold their Fund shares through tax-deferred arrangements such as 401(a), 401(k) or 403(b) plans or Individual Retirement Accounts (IRAs). After-tax returns are shown for only one class, and after-tax returns for other classes will vary.

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TIAA-CREF Lifecycle Index 2015 Fund
TIAA-CREF Lifecycle Index 2015 Fund
Investment objective

The Lifecycle Index 2015 Fund seeks high total return over time through a combination of capital appreciation and income.

Fees and expenses

This table describes the fees and expenses that you may pay if you buy and hold shares of the Fund. In addition to the fees and expenses described below, investors may be required to pay a commission to a broker-dealer or other financial intermediary on purchases and sales of Institutional Class or Advisor Class shares of the Fund.

SHAREHOLDER FEES (fees paid directly from your investment)
Shareholder Fees - TIAA-CREF Lifecycle Index 2015 Fund
Institutional Class
Advisor Class
Premier Class
Retirement Class
Maximum sales charge imposed on purchases (percentage of offering price) none none none none
Maximum deferred sales charge none none none none
Maximum sales charge imposed on reinvested dividends and other distributions none none none none
Redemption or exchange fee none none none none
Maximum account fee none none none none
ANNUAL FUND OPERATING EXPENSES (expenses that you pay each year as a percentage of the value of your investment)
Annual Fund Operating Expenses - TIAA-CREF Lifecycle Index 2015 Fund
Institutional Class
Advisor Class
Premier Class
Retirement Class
Management fees [1],[2] 0.18% 0.18% 0.18% 0.18%
Distribution (Rule 12b-1) fees     0.15%  
Other expenses [1],[2] 0.05% 0.13% 0.05% 0.30%
Total annual Fund operating expenses 0.23% 0.31% 0.38% 0.48%
Waivers and expense reimbursements [3],[4] (0.13%) (0.13%) (0.13%) (0.13%)
Total annual Fund operating expenses after fee waiver and/or expense reimbursement 0.10% 0.18% 0.25% 0.35%
[1] Portions of the Management fees and Other expenses are based on expenses originally incurred by Class W shares of the Underlying Funds (as defined below) of the Trust, which have been incurred directly by the Fund pursuant to certain contractual arrangements intended to reallocate directly to the Fund certain fees and expenses that had been paid by the Underlying Funds of the Trust. For additional information, please see the "Management of the Funds" section of this Prospectus.
[2] Restated to reflect estimates for the current fiscal year.
[3] Advisors has contractually agreed to waive 0.095% of the Fund's Management fee. This waiver will remain in effect through September 30, 2020, unless changed with the approval of the Board of Trustees.
[4] Under the Fund's expense reimbursement arrangements, the Fund's investment adviser, Teachers Advisors, LLC ("Advisors"), has contractually agreed to reimburse the Fund for any Total annual Fund operating expenses (excluding interest, taxes, brokerage commissions or other transactional expenses, Acquired Fund fees and expenses, extraordinary expenses and any expenses originally attributable to Class W shares of the Underlying Funds of the Trust that were incurred directly by the Fund) that exceed: (i) 0.005% of average daily net assets for Institutional Class shares; (ii) 0.155% of average daily net assets for Advisor Class shares; (iii) 0.155% of average daily net assets for Premier Class shares; and (iv) 0.255% of average daily net assets for Retirement Class shares of the Fund. These expense reimbursement arrangements will continue through at least September 30, 2020, unless changed with approval of the Board of Trustees.
Example

This example is intended to help you compare the cost of investing in shares of the Fund with the cost of investing in other mutual funds. The example assumes that you invest $10,000 in the Fund for the time periods indicated and then redeem all your shares at the end of those periods. The example also assumes that your investment has a 5% return each year and that the Fund’s operating expenses, before fee waivers and/or expense reimbursements, remain the same. The example assumes that the Fund’s fee waiver and/or expense reimbursement arrangements will each remain in place for the durations noted in the table above. Although your actual costs may be higher or lower, based on these assumptions your costs would be:

Expense Example - TIAA-CREF Lifecycle Index 2015 Fund - USD ($)
Institutional Class
Advisor Class
Premier Class
Retirement Class
1 year $ 10 $ 18 $ 26 $ 36
3 years 61 87 109 141
5 years 116 161 200 256
10 years $ 280 $ 381 $ 468 $ 591
Portfolio turnover

The Fund pays transaction costs, such as commissions, when it buys and sells securities (or “turns over” its portfolio). A higher portfolio turnover rate may indicate higher transaction costs and may result in higher taxes when Fund shares are held in a taxable account. These costs, which are not reflected in annual fund operating expenses or in the example, affect the Fund’s performance. During the fiscal year ended May 31, 2019, the Fund’s portfolio turnover rate was 17% of the average value of its portfolio.

Principal investment strategies

The Fund is a “fund of funds” that invests in Class W shares of other funds of the Trust and potentially in other investment pools or investment products, including other funds advised by the Fund’s investment adviser, Teachers Advisors, LLC (“Advisors”), or its affiliates (collectively, the “Underlying Funds”). In general, the Fund is designed for investors who have an approximate target retirement year in mind, and the Fund’s investments are adjusted from more aggressive to more conservative over time as the Fund’s target retirement year approaches and for approximately 30 years afterwards. The Fund invests in Underlying Funds according to an asset allocation strategy designed for investors who retired in, or planned to retire within a few years of, 2015 and who may have begun taking systematic withdrawals upon retirement. The Fund has a policy of investing at least 80% of its assets (net assets, plus the amount of any borrowings for investment purposes) in Underlying Funds that are managed to seek investment returns that track particular market indices.


Advisors currently expects to allocate approximately 45.00% of the Fund’s assets to equity Underlying Funds and 55.00% of its assets to fixed-income Underlying Funds. These allocations represent targets for equity and fixed-income asset classes. Target allocations will change over time and actual allocations may vary up to ten percentage points from the targets. The target allocations along the investment glidepath, illustrated in the chart below, gradually become more conservative. The Fund had target allocations of approximately 50.00% equity/50.00% fixed-income in the Fund’s target retirement year of 2015 and will reach the Fund’s final target allocation of approximately 20.00% equity/80.00% fixed-income in 2045. Within the equity and fixed-income asset classes, Advisors allocates the Fund’s investments to particular market sectors (U.S. equity, international equity, fixed-income, short-term fixed-income and inflation-protected assets) represented by various Underlying Funds. These market sector allocations may vary by up to 10% from the Fund’s target market sector allocations. The Fund’s current target market sector allocations for June 30, 2020 which will change over time, are approximately as follows: U.S. Equity: 31.50%; International Equity: 13.50%; Fixed-Income: 39.00%; Short-Term Fixed-Income: 8.00%; and Inflation-Protected Assets: 8.00%. The asset class and market sector names used herein are intended to reflect the primary type of investment of the Underlying Funds within each of these categories.


The Fund’s target market sector allocations to Underlying Funds may include the TIAA-CREF Equity Index Fund (U.S. Equity); Emerging Markets Equity Index Fund and International Equity Index Fund (International Equity); Bond Index Fund (Fixed-Income); Short-Term Bond Index Fund (Short-Term Fixed-Income); and Inflation-Linked Bond Fund (Inflation-Protected Assets).


Additional or replacement Underlying Funds for each market sector, as well as additional or replacement market sectors, may be included when making future allocations if Advisors believes that such Underlying Funds and/or market sectors are appropriate in light of the Fund’s desired levels of risk and potential return at the particular time. The Fund’s portfolio management team may also add a new market sector if it believes that will help to achieve the Fund’s investment objective. The relative allocations among Underlying Funds within a market sector may be changed at any time without notice to shareholders. If 10% or more of the Fund’s assets are expected to be invested in any Underlying Fund or market sector not listed above, shareholders will receive prior notice of such change.


The Fund’s asset class allocations, market sector allocations within each asset class, and Underlying Fund allocations within each market sector, as of June 30, 2019, are listed in the chart below. These allocations will change over time. Underlying Fund allocations in particular may change from year to year.


        

Asset Class

Allocation

  

Market Sector

Allocation

 

Underlying Funds

Allocation

Equity

46.75%

 

U.S. Equity

32.79%

 

Ÿ Equity Index Fund

32.79%

   

International Equity

13.96%

 

Ÿ International Equity Index Fund

10.01%

      

Ÿ Emerging Markets Equity Index Fund

3.95%

Fixed-Income

53.25%

 

Fixed-Income

38.30%

 

Ÿ Bond Index Fund

38.30%

   

Short-Term
Fixed-Income

7.46%

 

Ÿ Short-Term Bond Index Fund

7.46%

   

Inflation-
Protected Assets

7.49%

 

Ÿ Inflation-Linked Bond Fund

7.49%


        

Total

100.00%

  

100.00%

  

100.00%


The following chart shows how the investment glidepath for the Fund is expected to gradually move the Fund’s target allocations over time between the different target market sector allocations. The actual market sector allocations of the Fund may differ from this chart. The Fund seeks to achieve its final target market sector allocations approximately 30 years following the target date.


Lifecycle Index Funds Glidepath as of June 30, 2020
Years to Target Retirement Date US Equities International Equities Fixed Income Short Term Fixed Income Inflation Protected Bonds
45 66.50% 28.50% 5.00% 0.00% 0.00%
40 65.62% 28.13% 6.25% 0.00% 0.00%
35 64.75% 27.75% 7.50% 0.00% 0.00%
30 63.87% 27.38% 8.75% 0.00% 0.00%
25 63.00% 27.00% 10.00% 0.00% 0.00%
20 57.40% 24.60% 18.00% 0.00% 0.00%
15 51.80% 22.20% 26.00% 0.00% 0.00%
10 46.20% 19.80% 30.00% 2.00% 2.00%
5 40.60% 17.40% 34.00% 4.00% 4.00%
0 35.00% 15.00% 38.00% 6.00% 6.00%
-5 31.50% 13.50% 39.00% 8.00% 8.00%
-10 28.00% 12.00% 40.00% 10.00% 10.00%
-15 24.50% 10.50% 40.00% 15.00% 10.00%
-20 21.00% 9.00% 40.00% 20.00% 10.00%
-25 17.50% 7.50% 40.00% 25.00% 10.00%
-30 14.00% 6.00% 40.00% 30.00% 10.00%

The Fund is designed to accommodate investors who invest in a fund up to their target retirement date, and plan to make gradual systematic withdrawals in retirement. In addition, investors should note that the Fund will continue to have a significant level of equity exposure up to, through and after its target retirement date, and this exposure could cause significant fluctuations in the value of the Fund depending on the performance of the equity markets generally.


After the Fund reaches its final target allocation, the Board of Trustees may authorize the merger of the Fund into another Lifecycle Index Fund which has also reached its final target allocation or other similar fund designed to maintain a relatively stable asset allocation reflecting the resting point on the glidepath described in the chart above. Fund shareholders will receive prior notice of any such merger.

Principal investment risks

You could lose money over short or long periods by investing in this Fund. An investment in the Fund, due to the nature of the Fund’s portfolio holdings, typically is subject to the following principal investment risks:


· Asset Allocation Risk—The risk that the Fund may not achieve its target allocations. In addition, there is the risk that the asset allocations may not achieve the desired risk-return characteristic or that the selection of Underlying Funds and the allocations among them will result in the Fund underperforming other similar funds or cause an investor to lose money.


· Index Risk—The risk that the Fund’s performance may not correspond to its benchmark index for any period of time and may underperform such index or the overall financial market. Additionally, to the extent that the Fund’s investments vary from the composition of its benchmark index, the Fund’s performance could potentially vary from the index’s performance to a greater extent than if the Fund merely attempted to replicate the index.


· Underlying Funds Risks—The Fund is exposed to the risks of the Underlying Funds in which it invests in direct proportion to the amount of assets the Fund allocates to each Underlying Fund.


· Equity Underlying Funds Risks—The risks of investing in equity Underlying Funds include risks specific to their investment strategies, as well as risks related to the equity markets in general, such as:


· market risk—The risk that the price of equity investments may decline in response to general market and economic conditions or events, including conditions and developments outside of the financial markets;


· issuer risk—The risk that an issuer’s earnings prospects and overall financial position will deteriorate, causing a decline in the value of the issuer’s financial instruments over short or extended periods of time; and


· foreign investment risk—The increased risks of adverse issuer, political, regulatory, currency, market or economic developments compared to investments in U.S. issuers, which can result in greater market and price volatility.


· Fixed-Income Underlying Funds Risks—The risks of investing in fixed-income Underlying Funds include risks specific to their investment strategies, as well as risks related to the fixed-income markets in general, such as:


· interest rate risk—The risk that the value or yield of fixed-income investments may decline if interest rates change, which could adversely affect a Fund’s income or the value of its holdings;


· extension risk—The risk that during periods of rising interest rates, borrowers may pay off their mortgage loans later than expected, preventing a Fund from reinvesting principal proceeds at higher interest rates and resulting in less income than potentially available;


· issuer risk—The risk that an issuer’s earnings prospects and overall financial position will deteriorate, causing a decline in the value of the issuer’s financial instruments over short or extended periods of time;


· credit risk—The risk that a decline in an issuer’s financial position may prevent it from making principal and interest payments on fixed-income investments held by a Fund when due;


· credit spread risk—The risk that credit spreads (i.e., the difference in yield between securities that is due to differences in each security’s respective credit quality) may increase when market participants believe that bonds generally have a greater risk of default, which could result in a decline in the market values of a Fund’s debt securities;


· income volatility risk—The risk that the level of current income from a Fund’s portfolio of fixed-income securities may decline due to rapid and unpredictable changes in prevailing market interest rates; and


· call risk—The risk that, during periods of falling interest rates, an issuer may call (or repay) a fixed-income security prior to maturity, resulting in a decline in a Fund’s income.


· Active Management Risk—The risk that the strategy, investment selection or trading execution of Advisors could cause the Fund or an Underlying Fund to underperform its benchmark index or mutual funds with similar investment objectives.


· Fund of Funds Risk—The ability of the Fund to achieve its investment objective will depend in part upon the ability of the Underlying Funds to achieve their investment objectives. There can be no guarantee that any Underlying Fund will achieve its investment objective.


There can be no assurances that the Fund will achieve its investment objective. You should not consider the Fund to be a complete investment program. Please see the non-summary portion of the Prospectus for more detailed information about the risks described above, including the risks of the Underlying Funds.

Past performance

The following chart and table help illustrate some of the risks of investing in the Fund by showing changes in the Fund’s performance from year to year. The bar chart shows the annual total returns of the Retirement Class of the Fund, before taxes, in each full calendar year since inception of the Retirement Class. Because the expenses vary across share classes, the performance of the Retirement Class may vary from the other share classes. Below the bar chart are the best and worst returns of the Retirement Class for a calendar quarter during the full calendar-year periods covered by the bar chart. The performance table following the bar chart shows the Fund’s average annual total returns for the Retirement, Institutional, Advisor and Premier classes over the applicable one-year, five-year, ten-year and since-inception periods ended December 31, 2018, and how those returns compare to those of a broad-based securities market index and a composite index based on the Fund’s target allocations. After-tax performance is shown only for the Retirement Class shares, and after-tax returns for the other classes of shares will vary from the after-tax returns presented for Retirement Class shares.


The returns shown below reflect previous agreements by Advisors to waive or reimburse the Fund and certain Underlying Funds for certain fees and expenses. Without these waivers and reimbursements, the returns of the Fund would have been lower. Past performance of the Fund (before and after taxes) is not necessarily an indication of how it will perform in the future. The indices listed below are unmanaged, and you cannot invest directly in an index. The returns for the indices reflect no deduction for fees, expenses or taxes.


For current performance information of each share class, including performance to the most recent month-end, please visit www.tiaa.org.

ANNUAL TOTAL RETURNS FOR THE RETIREMENT CLASS SHARES (%)† Lifecycle Index 2015 Fund
Bar Chart

 The year-to-date return as of the most recent calendar quarter, which ended on June 30, 2019, was 10.65%.

Best quarter: 8.63%, for the quarter ended September 30, 2010. Worst quarter: -8.09%, for the quarter ended September 30, 2011.

AVERAGE ANNUAL TOTAL RETURNS For the Periods Ended December 31, 2018
Average Annual Returns - TIAA-CREF Lifecycle Index 2015 Fund
1 Year
5 Years
Since Inception
Inception Date
Retirement Class (3.50%) 3.89% 6.35% Sep. 30, 2009
Institutional Class (3.29%) 4.14% 6.61% Sep. 30, 2009
Advisor Class (3.31%) 4.04% [1] 6.43% [1] Dec. 04, 2015
Premier Class (3.45%) 3.98% 6.45% Sep. 30, 2009
After Taxes on Distributions | Retirement Class (4.37%) 3.14% 5.70%  
After Taxes on Distributions and Sale of Fund Shares | Retirement Class (1.81%) 2.78% 4.89%  
S&P Target Date 2015 Index (3.67%) 3.79% 6.21% [2]  
Lifecycle Index 2015 Fund Composite Index (reflects no deductions for fees, expenses or taxes) [3] (3.36%) 4.21% 6.74% [2]  
[1] The performance shown for the Advisor Class that is prior to its inception date is based on performance of the Fund's Retirement Class. The performance for these periods has not been restated to reflect the lower expenses of the Advisor Class.
[2] Performance is calculated from the inception date of the Retirement Class.
[3] As of the close of business on December 31, 2018, the Lifecycle Index 2015 Fund Composite Index consisted of: 38.7% Bloomberg Barclays U.S. Aggregate Bond Index; 32.5% Russell 3000® Index; 14.0% MSCI EAFE + Emerging Markets Index; 7.4% Bloomberg Barclays U.S. 1-3 Year Government/Credit Bond Index; and 7.4% Bloomberg Barclays U.S. Treasury Inflation Protected Securities (TIPS) 1-10 Year Index. The Fund's composite benchmark, the components that make up a composite benchmark and the method of calculating a composite benchmark's performance may vary over time.

Current performance of the Fund’s shares may be higher or lower than that shown above.


After-tax returns are calculated using the historical highest individual federal marginal income tax rates in effect during the periods shown and do not reflect the impact of state and local taxes. Actual after-tax returns depend on the investor’s tax situation and may differ from those shown. The after-tax returns shown are not relevant to investors who hold their Fund shares through tax-deferred arrangements such as 401(a), 401(k) or 403(b) plans or Individual Retirement Accounts (IRAs). After-tax returns are shown for only one class, and after-tax returns for other classes will vary.

XML 103 R57.htm IDEA: XBRL DOCUMENT v3.19.3
Label Element Value
TIAA-CREF Lifecycle 2040 Fund  
Risk/Return: rr_RiskReturnAbstract  
Risk/Return [Heading] rr_RiskReturnHeading TIAA-CREF Lifecycle 2040 Fund
Objective [Heading] rr_ObjectiveHeading Investment objective
Objective, Primary [Text Block] rr_ObjectivePrimaryTextBlock

The Lifecycle 2040 Fund seeks high total return over time through a combination of capital appreciation and income.

Expense [Heading] rr_ExpenseHeading Fees and expenses
Expense Narrative [Text Block] rr_ExpenseNarrativeTextBlock

This table describes the fees and expenses that you may pay if you buy and hold shares of the Fund. In addition to the fees and expenses described below, investors may be required to pay a commission to a broker-dealer or other financial intermediary on purchases and sales of Institutional Class or Advisor Class shares of the Fund.

Shareholder Fees Caption [Text] rr_ShareholderFeesCaption SHAREHOLDER FEES (fees paid directly from your investment)
Operating Expenses Caption [Text] rr_OperatingExpensesCaption ANNUAL FUND OPERATING EXPENSES (expenses that you pay each year as a percentage of the value of your investment)
Fee Waiver or Reimbursement over Assets, Date of Termination rr_FeeWaiverOrReimbursementOverAssetsDateOfTermination Sep. 30, 2020
Portfolio Turnover [Heading] rr_PortfolioTurnoverHeading Portfolio turnover
Portfolio Turnover [Text Block] rr_PortfolioTurnoverTextBlock

The Fund pays transaction costs, such as commissions, when it buys and sells securities (or “turns over” its portfolio). A higher portfolio turnover rate may indicate higher transaction costs and may result in higher taxes when Fund shares are held in a taxable account. These costs, which are not reflected in annual fund operating expenses or in the example, affect the Fund’s performance. During the fiscal year ended May 31, 2019, the Fund’s portfolio turnover rate was 18% of the average value of its portfolio.

Portfolio Turnover, Rate rr_PortfolioTurnoverRate 18.00%
Expenses Restated to Reflect Current [Text] rr_ExpensesRestatedToReflectCurrent Restated to reflect estimates for the current fiscal year.
Expenses Not Correlated to Ratio Due to Acquired Fund Fees [Text] rr_ExpensesNotCorrelatedToRatioDueToAcquiredFundFees “Acquired Fund fees and expenses” are the Fund’s proportionate amount of the expenses of any investment companies or pools in which it invests (excluding expenses originally incurred by Class W of the Underlying Funds of the Trust that have been incurred directly by the Fund, which are instead reflected in Management fees and Other expenses). These expenses are not paid directly by Fund shareholders. Instead, Fund shareholders bear these expenses indirectly because they reduce Fund performance. Because “Acquired Fund fees and expenses” are included in the chart above, the Fund’s operating expenses here will not correlate with the expenses included in the Financial highlights in this Prospectus and the Fund’s annual report.
Expense Example [Heading] rr_ExpenseExampleHeading Example
Expense Example Narrative [Text Block] rr_ExpenseExampleNarrativeTextBlock

This example is intended to help you compare the cost of investing in shares of the Fund with the cost of investing in other mutual funds. The example assumes that you invest $10,000 in the Fund for the time periods indicated and then redeem all your shares at the end of those periods. The example also assumes that your investment has a 5% return each year and that the Fund’s operating expenses, before fee waivers and/or expense reimbursements, remain the same. The example assumes that the Fund’s fee waiver and/or expense reimbursement arrangements will each remain in place for the durations noted in the table above. Although your actual costs may be higher or lower, based on these assumptions your costs would be:

Strategy [Heading] rr_StrategyHeading Principal investment strategies
Strategy Narrative [Text Block] rr_StrategyNarrativeTextBlock

The Fund is a “fund of funds” that invests in Class W shares of other funds of the Trust and in other investment pools or investment products, potentially including other funds advised by the Fund’s investment adviser, Teachers Advisors, LLC (“Advisors”), or its affiliates (collectively, the “Underlying Funds”). In general, the Fund is designed for investors who have an approximate target retirement year in mind, and the Fund’s investments are adjusted from more aggressive to more conservative over time as the Fund’s target retirement year approaches and for approximately 30 years afterwards. The Fund invests in Underlying Funds according to an asset allocation strategy designed for investors retiring in, or planning to retire within a few years of, 2040 and who may begin taking systematic withdrawals upon retirement.


Advisors currently expects to allocate approximately 81.00% of the Fund’s assets to equity Underlying Funds, 14.00% of its assets to fixed-income Underlying Funds and 5.00% of its assets to direct real estate Underlying Funds. These allocations represent targets for equity, fixed-income and direct real estate asset classes. Target allocations will change over time and actual allocations may vary up to ten percentage points from the targets. The target allocations along the investment glidepath, illustrated in the chart below, gradually become more conservative, moving to target allocations of approximately 45.00% equity/50.00% fixed-income/5.00% direct real estate in the Fund’s target retirement year of 2040 and reaching the Fund’s final target allocation of approximately 20.00% equity/80.00% fixed-income/0.00% direct real estate in 2070. Within the equity, fixed-income and direct real estate asset classes, Advisors allocates the Fund’s investments to particular market sectors (U.S. equity, international equity, fixed-income, short-term fixed-income, inflation-protected assets and direct real estate) represented by various Underlying Funds. These market sector allocations may vary by up to 10% from the Fund’s target market sector allocations. The Fund’s current target market sector allocations for June 30, 2020, which will change over time, are approximately as follows: U.S. Equity: 56.70%; International Equity: 24.30%; Fixed-Income: 14.00%; Short-Term Fixed-Income: 0.00; Inflation-Protected Assets: 0.00%; and Direct Real Estate: 5.00%. The asset class and market sector names used herein are intended to reflect the primary type of investment of the Underlying Funds within each of these categories.


The Fund’s target market sector allocations to Underlying Funds may include the TIAA-CREF Growth & Income Fund, Large-Cap Growth Fund, Large-Cap Value Fund, Quant Large-Cap Growth Fund, Quant Large-Cap Value Fund, Quant Small-Cap Equity Fund and Quant Small/Mid-Cap Equity Fund (U.S. Equity); Emerging Markets Equity Fund, International Equity Fund, International Opportunities Fund, Quant International Equity Fund and Quant International Small-Cap Equity Fund (International Equity); Bond Fund, Bond Plus Fund, Emerging Markets Debt Fund, High-Yield Fund and International Bond Fund (Fixed-Income); Money Market Fund and Short-Term Bond Fund Fund (Short-Term Fixed-Income); Inflation-Linked Bond Fund (Inflation-Protected Assets); and Real Property Fund LP (Direct Real Estate). TIAA-CREF Real Property Fund LP is a private fund, which is not available for investment by the general public; it is currently offered exclusively to investment pools or investment products managed by Advisors or its affiliates.


Additional or replacement Underlying Funds for each market sector, as well as additional or replacement market sectors, may be included when making future allocations if Advisors believes that such Underlying Funds and/or market sectors are appropriate in light of the Fund’s desired levels of risk and potential return at the particular time. The Fund’s portfolio management team may also add a new market sector if it believes that will help to achieve the Fund’s investment objective. The relative allocations among Underlying Funds within a market sector may be changed at any time without notice to shareholders, and the portfolio management team may use tactical allocation to take advantage of short to intermediate term opportunities through a combination of positions in Underlying Funds. If 10% or more of the Fund’s assets are expected to be invested in any Underlying Fund or market sector not listed above, shareholders will receive prior notice of such change.


The Fund’s asset class allocations, market sector allocations within each asset class, and Underlying Fund allocations within each market sector, as of June 30, 2019, are listed in the chart below. These allocations will change over time. Underlying Fund allocations in particular may change from year to year.


        

Asset Class

Allocation

  

Market Sector

Allocation

 

Underlying Funds

Allocation

Equity

83.23%

 

U.S. Equity

58.36%

 

Ÿ Growth & Income Fund

12.22%

      

Ÿ Large-Cap Growth Fund

11.05%

      

Ÿ Large-Cap Value Fund

10.71%

      

Ÿ Quant Large-Cap Growth Fund

9.65%

      

Ÿ Quant Large-Cap Value Fund

9.38%

      

Ÿ Quant Small-Cap Equity Fund

3.00%

      

Ÿ Quant Small/Mid-Cap Equity Fund

2.35%

   

International Equity

24.87%

 

Ÿ Quant International Equity Fund

6.49%

      

Ÿ International Equity Fund

5.41%

      

Ÿ International Opportunities Fund

5.40%

      

Ÿ Emerging Markets Equity Fund

4.26%

      

Ÿ Quant International Small-Cap Equity Fund

3.31%

Fixed-Income

12.14%

 

Fixed-Income

12.14%

 

Ÿ Bond Fund

6.37%

      

Ÿ Bond Plus Fund

3.94%

      

Ÿ Emerging Markets Debt Fund

0.83%

      

Ÿ International Bond Fund

0.64%

      

Ÿ High-Yield Fund

0.36%

Real Estate

4.63%

 

Direct Real Estate

4.63%

 

Ÿ TIAA-CREF Real Property Fund LP

4.63%


        

Total

100.00%

  

100.00%

  

100.00%


The following chart shows how the investment glidepath for the Fund is expected to gradually move the Fund’s target allocations over time between the different target market sector allocations. The actual market sector allocations of the Fund may differ from this chart. The Fund seeks to achieve its final target market sector allocations approximately 30 years following the target date.


Lifecycle Funds Glidepath as of June 30, 2020
Years to Target Retirement Date US Equities International Equities Direct Real Estate Fixed Income Short Term Fixed Income Inflation Protected Bonds
45 66.50% 28.50% 5.00% 0.00% 0.00% 0.00%
40 65.62% 28.13% 5.00% 1.25% 0.00% 0.00%
35 64.75% 27.75% 5.00% 2.50% 0.00% 0.00%
30 63.87% 27.38% 5.00% 3.75% 0.00% 0.00%
25 63.00% 27.00% 5.00% 5.00% 0.00% 0.00%
20 56.70% 24.30% 5.00% 14.00% 0.00% 0.00%
15 50.40% 21.60% 5.00% 23.00% 0.00% 0.00%
10 44.10% 18.90% 5.00% 28.00% 2.00% 2.00%
5 37.80% 16.20% 5.00% 33.00% 4.00% 4.00%
0 31.50% 13.50% 5.00% 38.00% 6.00% 6.00%
-5 28.00% 12.00% 5.00% 39.00% 8.00% 8.00%
-10 24.50% 10.50% 5.00% 40.00% 10.00% 10.00%
-15 22.75% 9.75% 2.50% 40.00% 15.00% 10.00%
-20 21.00% 9.00% 0.00% 40.00% 20.00% 10.00%
-25 17.50% 7.50% 0.00% 40.00% 25.00% 10.00%
-30 14.00% 6.00% 0.00% 40.00% 30.00% 10.00%

The Fund is designed to accommodate investors who invest in a fund up to their target retirement date, and plan to make gradual systematic withdrawals in retirement. In addition, investors should note that the Fund will continue to have a significant level of equity exposure up to, through and after its target retirement date, and this exposure could cause significant fluctuations in the value of the Fund depending on the performance of the equity markets generally.


After the Fund reaches its final target allocation, the Board of Trustees may authorize the merger of the Fund into another Lifecycle Fund which has also reached its final target allocation or other similar fund designed to maintain a relatively stable asset allocation reflecting the resting point on the glidepath described in the chart above. Fund shareholders will receive prior notice of any such merger.

Risk [Heading] rr_RiskHeading Principal investment risks
Risk Narrative [Text Block] rr_RiskNarrativeTextBlock

You could lose money over short or long periods by investing in this Fund. An investment in the Fund, due to the nature of the Fund’s portfolio holdings, typically is subject to the following principal investment risks:


· Asset Allocation Risk—The risk that the Fund may not achieve its target allocations. In addition, there is the risk that the asset allocations may not achieve the desired risk-return characteristic or that the selection of Underlying Funds and the allocations among them will result in the Fund underperforming other similar funds or cause an investor to lose money.


· Underlying Funds Risks—The Fund is exposed to the risks of the Underlying Funds in which it invests in direct proportion to the amount of assets the Fund allocates to each Underlying Fund.


· Equity Underlying Funds Risks—The risks of investing in equity Underlying Funds include risks specific to their investment strategies, as well as risks related to the equity markets in general, such as:


· market risk—The risk that the price of equity investments may decline in response to general market and economic conditions or events, including conditions and developments outside of the financial markets;


· issuer risk—The risk that an issuer’s earnings prospects and overall financial position will deteriorate, causing a decline in the value of the issuer’s financial instruments over short or extended periods of time; and


· foreign investment risk—The increased risks of adverse issuer, political, regulatory, currency, market or economic developments compared to investments in U.S. issuers, which can result in greater market and price volatility.


· Fixed-Income Underlying Funds Risks—The risks of investing in fixed-income Underlying Funds include risks specific to their investment strategies, as well as risks related to the fixed-income markets in general, such as:


· interest rate risk—The risk that the value or yield of fixed-income investments may decline if interest rates change, which could adversely affect a Fund’s income or the value of its holdings;


· extension risk—The risk that during periods of rising interest rates, borrowers may pay off their mortgage loans later than expected, preventing a Fund from reinvesting principal proceeds at higher interest rates and resulting in less income than potentially available;


· issuer risk—The risk that an issuer’s earnings prospects and overall financial position will deteriorate, causing a decline in the value of the issuer’s financial instruments over short or extended periods of time;


· credit risk—The risk that a decline in an issuer’s financial position may prevent it from making principal and interest payments on fixed-income investments held by a Fund when due;


· credit spread risk—The risk that credit spreads (i.e., the difference in yield between securities that is due to differences in each security’s respective credit quality) may increase when market participants believe that bonds generally have a greater risk of default, which could result in a decline in the market values of a Fund’s debt securities;


· income volatility risk—The risk that the level of current income from a Fund’s portfolio of fixed-income securities may decline due to rapid and unpredictable changes in prevailing market interest rates; and


· call risk—The risk that, during periods of falling interest rates, an issuer may call (or repay) a fixed-income security prior to maturity, resulting in a decline in a Fund’s income.


· Direct Real Estate Underlying Funds Risks—The risks of investing in direct real estate Underlying Funds include risks specific to their investment strategies, as well as risks related to investing in real estate in general, such as:


· real estate-related investment risk—The risks associated with exposure to direct real estate through investing in investment vehicles managed by Advisors that will primarily invest directly in real estate, which can include declines in real estate values or revenues, uninsured losses at properties, the absence of regulatory oversight of and a secondary market for interests in direct real estate Underlying Funds, a scarcity of interests issued by direct real estate Underlying Funds, making it difficult for the Fund to achieve its target allocation, and illiquidity of interests in direct real estate Underlying Funds.


· Active Management Risk—The risk that the strategy, investment selection or trading execution of Advisors could cause the Fund or an Underlying Fund to underperform its benchmark index or mutual funds with similar investment objectives.


· Fund of Funds Risk—The ability of the Fund to achieve its investment objective will depend in part upon the ability of the Underlying Funds to achieve their investment objectives. There can be no guarantee that any Underlying Fund will achieve its investment objective.


There can be no assurances that the Fund will achieve its investment objective. You should not consider the Fund to be a complete investment program. Please see the non-summary portion of the Prospectus for more detailed information about the risks described above, including the risks of the Underlying Funds.

Risk Lose Money [Text] rr_RiskLoseMoney You could lose money over short or long periods by investing in this Fund.
Bar Chart and Performance Table [Heading] rr_BarChartAndPerformanceTableHeading Past performance
Performance Narrative [Text Block] rr_PerformanceNarrativeTextBlock

The following chart and table help illustrate some of the risks of investing in the Fund by showing changes in the Fund’s performance from year to year. The bar chart shows the annual total returns of the Retirement Class of the Fund, before taxes, in each full calendar year for the last ten years. Because the expenses vary across share classes, the performance of the Retirement Class may vary from the other share classes. Below the bar chart are the best and worst returns of the Retirement Class for a calendar quarter during the full calendar-year periods covered by the bar chart. The performance table following the bar chart shows the Fund’s average annual total returns for the Retirement, Institutional, Advisor and Premier classes over the applicable one-year, five-year, ten-year and since-inception periods ended December 31, 2018, and how those returns compare to those of a broad-based securities market index and a composite index that represents the market sectors in which the Fund invests across the equity and fixed-income asset classes. After-tax performance is shown only for the Retirement Class shares, and after-tax returns for the other classes of shares will vary from the after-tax returns presented for Retirement Class shares.


The returns shown below reflect previous agreements by Advisors to waive or reimburse the Fund and certain Underlying Funds for certain fees and expenses. Without these waivers and reimbursements, the returns of the Fund would have been lower. Past performance of the Fund (before and after taxes) is not necessarily an indication of how it will perform in the future. The indices listed below are unmanaged, and you cannot invest directly in an index. The returns for the indices reflect no deduction for fees, expenses or taxes.


For current performance information of each share class, including performance to the most recent month-end, please visit www.tiaa.org.

Performance Information Illustrates Variability of Returns [Text] rr_PerformanceInformationIllustratesVariabilityOfReturns The following chart and table help illustrate some of the risks of investing in the Fund by showing changes in the Fund’s performance from year to year.
Performance Additional Market Index [Text] rr_PerformanceAdditionalMarketIndex As of the close of business on December 31, 2018, the Lifecycle 2040 Fund Composite Index consisted of: 59.1% Russell 3000® Index; 25.3% MSCI All Country World Index ex USA Investable Market Index; and 15.6% Bloomberg Barclays U.S. Aggregate Bond Index. The Fund’s composite benchmark, the components that make up a composite benchmark and the method of calculating a composite benchmark’s performance may vary over time.
Performance Availability Website Address [Text] rr_PerformanceAvailabilityWebSiteAddress www.tiaa.org
Performance Past Does Not Indicate Future [Text] rr_PerformancePastDoesNotIndicateFuture Past performance of the Fund (before and after taxes) is not necessarily an indication of how it will perform in the future.
Bar Chart [Heading] rr_BarChartHeading ANNUAL TOTAL RETURNS FOR THE RETIREMENT CLASS SHARES (%)† Lifecycle 2040 Fund
Bar Chart Footnotes [Text Block] rr_BarChartFootnotesTextBlock

 The year-to-date return as of the most recent calendar quarter, which ended on June 30, 2019, was 15.53%.

Bar Chart Closing [Text Block] rr_BarChartClosingTextBlock

Best quarter: 17.54%, for the quarter ended June 30, 2009. Worst quarter: -16.45%, for the quarter ended September 30, 2011.

Year to Date Return, Label rr_YearToDateReturnLabel The year-to-date return as of the most recent calendar quarter, which ended on June 30, 2019, was
Bar Chart, Year to Date Return, Date rr_BarChartYearToDateReturnDate Jun. 30, 2019
Bar Chart, Year to Date Return rr_BarChartYearToDateReturn 15.53%
Highest Quarterly Return, Label rr_HighestQuarterlyReturnLabel Best quarter:
Highest Quarterly Return, Date rr_BarChartHighestQuarterlyReturnDate Jun. 30, 2009
Highest Quarterly Return rr_BarChartHighestQuarterlyReturn 17.54%
Lowest Quarterly Return, Label rr_LowestQuarterlyReturnLabel Worst quarter:
Lowest Quarterly Return, Date rr_BarChartLowestQuarterlyReturnDate Sep. 30, 2011
Lowest Quarterly Return rr_BarChartLowestQuarterlyReturn (16.45%)
Index No Deduction for Fees, Expenses, Taxes [Text] rr_IndexNoDeductionForFeesExpensesTaxes (reflects no deductions for fees, expenses or taxes)
Performance Table Uses Highest Federal Rate rr_PerformanceTableUsesHighestFederalRate After-tax returns are calculated using the historical highest individual federal marginal income tax rates in effect during the periods shown and do not reflect the impact of state and local taxes.
Performance Table Not Relevant to Tax Deferred rr_PerformanceTableNotRelevantToTaxDeferred The after-tax returns shown are not relevant to investors who hold their Fund shares through tax-deferred arrangements such as 401(a), 401(k) or 403(b) plans or Individual Retirement Accounts (IRAs).
Performance Table One Class of after Tax Shown [Text] rr_PerformanceTableOneClassOfAfterTaxShown After-tax performance is shown only for the Retirement Class shares, and after-tax returns for the other classes of shares will vary from the after-tax returns presented for Retirement Class shares.
Performance Table Closing [Text Block] rr_PerformanceTableClosingTextBlock

Current performance of the Fund’s shares may be higher or lower than that shown above.



After-tax returns are calculated using the historical highest individual federal marginal income tax rates in effect during the periods shown and do not reflect the impact of state and local taxes. Actual after-tax returns depend on the investor’s tax situation and may differ from those shown. The after-tax returns shown are not relevant to investors who hold their Fund shares through tax-deferred arrangements such as 401(a), 401(k) or 403(b) plans or Individual Retirement Accounts (IRAs). After-tax returns are shown for only one class, and after-tax returns for other classes will vary.

Average Annual Return, Caption rr_AverageAnnualReturnCaption AVERAGE ANNUAL TOTAL RETURNS For the Periods Ended December 31, 2018
TIAA-CREF Lifecycle 2040 Fund | S&P Target Date 2040 Index  
Risk/Return: rr_RiskReturnAbstract  
1 Year rr_AverageAnnualReturnYear01 (7.41%)
5 Years rr_AverageAnnualReturnYear05 4.82%
10 Years rr_AverageAnnualReturnYear10 9.68%
TIAA-CREF Lifecycle 2040 Fund | Lifecycle 2040 Fund Composite Index (reflects no deductions for fees, expenses or taxes)  
Risk/Return: rr_RiskReturnAbstract  
1 Year rr_AverageAnnualReturnYear01 (6.72%) [1]
5 Years rr_AverageAnnualReturnYear05 5.45% [1]
10 Years rr_AverageAnnualReturnYear10 10.44% [1]
TIAA-CREF Lifecycle 2040 Fund | Institutional Class  
Risk/Return: rr_RiskReturnAbstract  
Maximum sales charge imposed on purchases (percentage of offering price) rr_MaximumSalesChargeImposedOnPurchasesOverOfferingPrice none
Maximum deferred sales charge rr_MaximumDeferredSalesChargeOverOfferingPrice none
Maximum sales charge imposed on reinvested dividends and other distributions rr_MaximumSalesChargeOnReinvestedDividendsAndDistributionsOverOther none
Redemption or exchange fee rr_RedemptionFeeOverRedemption none
Maximum account fee rr_MaximumAccountFeeOverAssets none
Management fees rr_ManagementFeesOverAssets 0.49% [2],[3]
Other expenses rr_OtherExpensesOverAssets 0.03% [2],[3]
Acquired Fund fees and expenses rr_AcquiredFundFeesAndExpensesOverAssets 0.03% [4]
Total annual Fund operating expenses rr_ExpensesOverAssets 0.55%
Waivers and expense reimbursements rr_FeeWaiverOrReimbursementOverAssets (0.11%) [5],[6]
Total annual Fund operating expenses after fee waiver and/or expense reimbursement rr_NetExpensesOverAssets 0.44%
Expense Example, with Redemption, 1 Year rr_ExpenseExampleYear01 $ 45
Expense Example, with Redemption, 3 Years rr_ExpenseExampleYear03 143
Expense Example, with Redemption, 5 Years rr_ExpenseExampleYear05 275
Expense Example, with Redemption, 10 Years rr_ExpenseExampleYear10 $ 658
1 Year rr_AverageAnnualReturnYear01 (8.92%)
5 Years rr_AverageAnnualReturnYear05 4.79%
10 Years rr_AverageAnnualReturnYear10 10.39%
Inception Date rr_AverageAnnualReturnInceptionDate Jan. 17, 2007
TIAA-CREF Lifecycle 2040 Fund | Advisor Class  
Risk/Return: rr_RiskReturnAbstract  
Maximum sales charge imposed on purchases (percentage of offering price) rr_MaximumSalesChargeImposedOnPurchasesOverOfferingPrice none
Maximum deferred sales charge rr_MaximumDeferredSalesChargeOverOfferingPrice none
Maximum sales charge imposed on reinvested dividends and other distributions rr_MaximumSalesChargeOnReinvestedDividendsAndDistributionsOverOther none
Redemption or exchange fee rr_RedemptionFeeOverRedemption none
Maximum account fee rr_MaximumAccountFeeOverAssets none
Management fees rr_ManagementFeesOverAssets 0.49% [2],[3]
Other expenses rr_OtherExpensesOverAssets 0.11% [2],[3]
Acquired Fund fees and expenses rr_AcquiredFundFeesAndExpensesOverAssets 0.03% [4]
Total annual Fund operating expenses rr_ExpensesOverAssets 0.63%
Waivers and expense reimbursements rr_FeeWaiverOrReimbursementOverAssets (0.11%) [5],[6]
Total annual Fund operating expenses after fee waiver and/or expense reimbursement rr_NetExpensesOverAssets 0.52%
Expense Example, with Redemption, 1 Year rr_ExpenseExampleYear01 $ 53
Expense Example, with Redemption, 3 Years rr_ExpenseExampleYear03 169
Expense Example, with Redemption, 5 Years rr_ExpenseExampleYear05 319
Expense Example, with Redemption, 10 Years rr_ExpenseExampleYear10 $ 755
1 Year rr_AverageAnnualReturnYear01 (8.97%)
5 Years rr_AverageAnnualReturnYear05 4.66% [7]
10 Years rr_AverageAnnualReturnYear10 10.19% [7]
Inception Date rr_AverageAnnualReturnInceptionDate Dec. 04, 2015
TIAA-CREF Lifecycle 2040 Fund | Premier Class  
Risk/Return: rr_RiskReturnAbstract  
Maximum sales charge imposed on purchases (percentage of offering price) rr_MaximumSalesChargeImposedOnPurchasesOverOfferingPrice none
Maximum deferred sales charge rr_MaximumDeferredSalesChargeOverOfferingPrice none
Maximum sales charge imposed on reinvested dividends and other distributions rr_MaximumSalesChargeOnReinvestedDividendsAndDistributionsOverOther none
Redemption or exchange fee rr_RedemptionFeeOverRedemption none
Maximum account fee rr_MaximumAccountFeeOverAssets none
Management fees rr_ManagementFeesOverAssets 0.49% [2],[3]
Distribution (Rule 12b-1) fees rr_DistributionAndService12b1FeesOverAssets 0.15%
Other expenses rr_OtherExpensesOverAssets 0.03% [2],[3]
Acquired Fund fees and expenses rr_AcquiredFundFeesAndExpensesOverAssets 0.03% [4]
Total annual Fund operating expenses rr_ExpensesOverAssets 0.70%
Waivers and expense reimbursements rr_FeeWaiverOrReimbursementOverAssets (0.11%) [5],[6]
Total annual Fund operating expenses after fee waiver and/or expense reimbursement rr_NetExpensesOverAssets 0.59%
Expense Example, with Redemption, 1 Year rr_ExpenseExampleYear01 $ 60
Expense Example, with Redemption, 3 Years rr_ExpenseExampleYear03 191
Expense Example, with Redemption, 5 Years rr_ExpenseExampleYear05 357
Expense Example, with Redemption, 10 Years rr_ExpenseExampleYear10 $ 840
1 Year rr_AverageAnnualReturnYear01 (9.11%)
5 Years rr_AverageAnnualReturnYear05 4.62%
10 Years rr_AverageAnnualReturnYear10 10.22% [7]
Inception Date rr_AverageAnnualReturnInceptionDate Sep. 30, 2009
TIAA-CREF Lifecycle 2040 Fund | Retirement Class  
Risk/Return: rr_RiskReturnAbstract  
Maximum sales charge imposed on purchases (percentage of offering price) rr_MaximumSalesChargeImposedOnPurchasesOverOfferingPrice none
Maximum deferred sales charge rr_MaximumDeferredSalesChargeOverOfferingPrice none
Maximum sales charge imposed on reinvested dividends and other distributions rr_MaximumSalesChargeOnReinvestedDividendsAndDistributionsOverOther none
Redemption or exchange fee rr_RedemptionFeeOverRedemption none
Maximum account fee rr_MaximumAccountFeeOverAssets none
Management fees rr_ManagementFeesOverAssets 0.49% [2],[3]
Other expenses rr_OtherExpensesOverAssets 0.28% [2],[3]
Acquired Fund fees and expenses rr_AcquiredFundFeesAndExpensesOverAssets 0.03% [4]
Total annual Fund operating expenses rr_ExpensesOverAssets 0.80%
Waivers and expense reimbursements rr_FeeWaiverOrReimbursementOverAssets (0.11%) [5],[6]
Total annual Fund operating expenses after fee waiver and/or expense reimbursement rr_NetExpensesOverAssets 0.69%
Expense Example, with Redemption, 1 Year rr_ExpenseExampleYear01 $ 70
Expense Example, with Redemption, 3 Years rr_ExpenseExampleYear03 223
Expense Example, with Redemption, 5 Years rr_ExpenseExampleYear05 412
Expense Example, with Redemption, 10 Years rr_ExpenseExampleYear10 $ 959
Annual Return 2009 rr_AnnualReturn2009 28.39%
Annual Return 2010 rr_AnnualReturn2010 15.21%
Annual Return 2011 rr_AnnualReturn2011 (3.87%)
Annual Return 2012 rr_AnnualReturn2012 17.37%
Annual Return 2013 rr_AnnualReturn2013 25.85%
Annual Return 2014 rr_AnnualReturn2014 4.38%
Annual Return 2015 rr_AnnualReturn2015 (0.11%)
Annual Return 2016 rr_AnnualReturn2016 7.56%
Annual Return 2017 rr_AnnualReturn2017 22.49%
Annual Return 2018 rr_AnnualReturn2018 (9.17%)
1 Year rr_AverageAnnualReturnYear01 (9.17%)
5 Years rr_AverageAnnualReturnYear05 4.53%
10 Years rr_AverageAnnualReturnYear10 10.11%
Inception Date rr_AverageAnnualReturnInceptionDate Oct. 15, 2004
TIAA-CREF Lifecycle 2040 Fund | Retirement Class | After Taxes on Distributions  
Risk/Return: rr_RiskReturnAbstract  
1 Year rr_AverageAnnualReturnYear01 (10.67%)
5 Years rr_AverageAnnualReturnYear05 2.95%
10 Years rr_AverageAnnualReturnYear10 8.86%
TIAA-CREF Lifecycle 2040 Fund | Retirement Class | After Taxes on Distributions and Sale of Fund Shares  
Risk/Return: rr_RiskReturnAbstract  
1 Year rr_AverageAnnualReturnYear01 (4.45%)
5 Years rr_AverageAnnualReturnYear05 3.30%
10 Years rr_AverageAnnualReturnYear10 8.13%
[1] As of the close of business on December 31, 2018, the Lifecycle 2040 Fund Composite Index consisted of: 59.1% Russell 3000® Index; 25.3% MSCI All Country World Index ex USA Investable Market Index; and 15.6% Bloomberg Barclays U.S. Aggregate Bond Index. The Fund's composite benchmark, the components that make up a composite benchmark and the method of calculating a composite benchmark's performance may vary over time.
[2] Portions of the Management fees and Other expenses are based on expenses originally incurred by Class W shares of the Underlying Funds (as defined below) of the Trust, which have been incurred directly by the Fund pursuant to certain contractual arrangements intended to reallocate directly to the Fund certain fees and expenses that had been paid by the Underlying Funds of the Trust. For additional information, please see the "Management of the Funds" section of this Prospectus.
[3] Restated to reflect estimates for the current fiscal year.
[4] "Acquired Fund fees and expenses" are the Fund's proportionate amount of the expenses of any investment companies or pools in which it invests (excluding expenses originally incurred by Class W of the Underlying Funds of the Trust that have been incurred directly by the Fund, which are instead reflected in Management fees and Other expenses). These expenses are not paid directly by Fund shareholders. Instead, Fund shareholders bear these expenses indirectly because they reduce Fund performance. Because "Acquired Fund fees and expenses" are included in the chart above, the Fund's operating expenses here will not correlate with the expenses included in the Financial highlights in this Prospectus and the Fund's annual report.
[5] Advisors has contractually agreed to waive 0.10% of the Fund's Management fee. This waiver will remain in effect through September 30, 2022, unless changed with the approval of the Board of Trustees.
[6] Under the Fund's expense reimbursement arrangements, the Fund's investment adviser, Teachers Advisors, LLC ("Advisors"), has contractually agreed to reimburse the Fund for any Total annual Fund operating expenses (excluding interest, taxes, brokerage commissions or other transactional expenses, Acquired Fund fees and expenses, extraordinary expenses and any expenses originally attributable to Class W shares of the Underlying Funds of the Trust that were incurred directly by the Fund) that exceed: (i) 0.00% of average daily net assets for Institutional Class shares; (ii) 0.15% of average daily net assets for Advisor Class shares; (iii) 0.15% of average daily net assets for Premier Class shares; and (iv) 0.25% of average daily net assets for Retirement Class shares of the Fund. These expense reimbursement arrangements will continue through at least September 30, 2020, unless changed with approval of the Board of Trustees.
[7] The performance shown for the Advisor and Premier classes that is prior to their inception dates is based on performance of the Fund's Retirement Class. The performance for these periods has not been restated to reflect the lower expenses of the Advisor and Premier classes.
XML 104 R78.htm IDEA: XBRL DOCUMENT v3.19.3
Label Element Value
TIAA-CREF Lifecycle 2055 Fund  
Risk/Return: rr_RiskReturnAbstract  
Risk/Return [Heading] rr_RiskReturnHeading TIAA-CREF Lifecycle 2055 Fund
Objective [Heading] rr_ObjectiveHeading Investment objective
Objective, Primary [Text Block] rr_ObjectivePrimaryTextBlock

The Lifecycle 2055 Fund seeks high total return over time through a combination of capital appreciation and income.

Expense [Heading] rr_ExpenseHeading Fees and expenses
Expense Narrative [Text Block] rr_ExpenseNarrativeTextBlock

This table describes the fees and expenses that you may pay if you buy and hold shares of the Fund. In addition to the fees and expenses described below, investors may be required to pay a commission to a broker-dealer or other financial intermediary on purchases and sales of Institutional Class or Advisor Class shares of the Fund.

Shareholder Fees Caption [Text] rr_ShareholderFeesCaption SHAREHOLDER FEES (fees paid directly from your investment)
Operating Expenses Caption [Text] rr_OperatingExpensesCaption ANNUAL FUND OPERATING EXPENSES (expenses that you pay each year as a percentage of the value of your investment)
Fee Waiver or Reimbursement over Assets, Date of Termination rr_FeeWaiverOrReimbursementOverAssetsDateOfTermination Sep. 30, 2020
Portfolio Turnover [Heading] rr_PortfolioTurnoverHeading Portfolio turnover
Portfolio Turnover [Text Block] rr_PortfolioTurnoverTextBlock

The Fund pays transaction costs, such as commissions, when it buys and sells securities (or “turns over” its portfolio). A higher portfolio turnover rate may indicate higher transaction costs and may result in higher taxes when Fund shares are held in a taxable account. These costs, which are not reflected in annual fund operating expenses or in the example, affect the Fund’s performance. During the fiscal year ended May 31, 2019, the Fund’s portfolio turnover rate was 10% of the average value of its portfolio.

Portfolio Turnover, Rate rr_PortfolioTurnoverRate 10.00%
Expenses Restated to Reflect Current [Text] rr_ExpensesRestatedToReflectCurrent Restated to reflect estimates for the current fiscal year.
Expenses Not Correlated to Ratio Due to Acquired Fund Fees [Text] rr_ExpensesNotCorrelatedToRatioDueToAcquiredFundFees “Acquired Fund fees and expenses” are the Fund’s proportionate amount of the expenses of any investment companies or pools in which it invests (excluding expenses originally incurred by Class W of the Underlying Funds of the Trust that have been incurred directly by the Fund, which are instead reflected in Management fees and Other expenses). These expenses are not paid directly by Fund shareholders. Instead, Fund shareholders bear these expenses indirectly because they reduce Fund performance. Because “Acquired Fund fees and expenses” are included in the chart above, the Fund’s operating expenses here will not correlate with the expenses included in the Financial highlights in this Prospectus and the Fund’s annual report.
Expense Example [Heading] rr_ExpenseExampleHeading Example
Expense Example Narrative [Text Block] rr_ExpenseExampleNarrativeTextBlock

This example is intended to help you compare the cost of investing in shares of the Fund with the cost of investing in other mutual funds. The example assumes that you invest $10,000 in the Fund for the time periods indicated and then redeem all your shares at the end of those periods. The example also assumes that your investment has a 5% return each year and that the Fund’s operating expenses, before fee waivers and/or expense reimbursements, remain the same. The example assumes that the Fund’s fee waiver and/or expense reimbursement arrangements will each remain in place for the durations noted in the table above. Although your actual costs may be higher or lower, based on these assumptions your costs would be:

Strategy [Heading] rr_StrategyHeading Principal investment strategies
Strategy Narrative [Text Block] rr_StrategyNarrativeTextBlock

The Fund is a “fund of funds” that invests in Class W shares of other funds of the Trust and in other investment pools or investment products, potentially including other funds advised by the Fund’s investment adviser, Teachers Advisors, LLC (“Advisors”), or its affiliates (collectively, the “Underlying Funds”). In general, the Fund is designed for investors who have an approximate target retirement year in mind, and the Fund’s investments are adjusted from more aggressive to more conservative over time as the Fund’s target retirement year approaches and for approximately 30 years afterwards. The Fund invests in Underlying Funds according to an asset allocation strategy designed for investors retiring in, or planning to retire within a few years of, 2055 and who may begin taking systematic withdrawals upon retirement.


Advisors currently expects to allocate approximately 92.50% of the Fund’s assets to equity Underlying Funds, 2.50% of its assets to fixed-income Underlying Funds and 5.00% of its assets to direct real estate Underlying Funds. These allocations represent targets for equity, fixed-income and direct real estate asset classes. Target allocations will change over time and actual allocations may vary up to ten percentage points from the targets. The target allocations along the investment glidepath, illustrated in the chart below, gradually become more conservative, moving to target allocations of approximately 45.00% equity/50.00% fixed-income/5.00% direct real estate in the Fund’s target retirement year of 2055 and reaching the Fund’s final target allocation of approximately 20.00% equity/80.00% fixed-income/0.00% direct real estate in 2085. Within the equity, fixed-income and direct real estate asset classes, Advisors allocates the Fund’s investments to particular market sectors (U.S. equity, international equity, fixed-income, short-term fixed-income, inflation-protected assets and direct real estate) represented by various Underlying Funds. These market sector allocations may vary by up to 10% from the Fund’s target market sector allocations. The Fund’s current target market sector allocations for June 30, 2020, which will change over time, are approximately as follows: U.S. Equity: 64.75%; International Equity: 27.75%; Fixed-Income: 2.50%; Short-Term Fixed-Income: 0.00%; Inflation-Protected Assets: 0.00%; and Direct Real Estate: 5.00%. The asset class and market sector names used herein are intended to reflect the primary type of investment of the Underlying Funds within each of these categories.


The Fund’s target market sector allocations to Underlying Funds may include the TIAA-CREF Growth & Income Fund, Large-Cap Growth Fund, Large-Cap Value Fund, Quant Large-Cap Growth Fund, Quant Large-Cap Value Fund, Quant Small-Cap Equity Fund and Quant Small/Mid-Cap Equity Fund (U.S. Equity); Emerging Markets Equity Fund, International Equity Fund, International Opportunities Fund, Quant International Equity Fund and Quant International Small-Cap Equity Fund (International Equity); Bond Fund, Bond Plus Fund, Emerging Markets Debt Fund, High-Yield Fund and International Bond Fund (Fixed-Income); Money Market Fund and Short-Term Bond Fund (Short-Term Fixed-Income); Inflation-Linked Bond Fund (Inflation-Protected Assets); and Real Property Fund LP (Direct Real Estate). TIAA-CREF Real Property Fund LP is a private fund, which is not available for investment by the general public; it is currently offered exclusively to investment pools or investment products managed by Advisors or its affiliates.


Additional or replacement Underlying Funds for each market sector, as well as additional or replacement market sectors, may be included when making future allocations if Advisors believes that such Underlying Funds and/or market sectors are appropriate in light of the Fund’s desired levels of risk and potential return at the particular time. The Fund’s portfolio management team may also add a new market sector if it believes that will help to achieve the Fund’s investment objective. The relative allocations among Underlying Funds within a market sector may be changed at any time without notice to shareholders, and the portfolio management team may use tactical allocation to take advantage of short to intermediate term opportunities through a combination of positions in Underlying Funds. If 10% or more of the Fund’s assets are expected to be invested in any Underlying Fund or market sector not listed above, shareholders will receive prior notice of such change.


The Fund’s asset class allocations, market sector allocations within each asset class, and Underlying Fund allocations within each market sector, as of June 30, 2019, are listed in the chart below. These allocations will change over time. Underlying Fund allocations in particular may change from year to year.


        

Asset Class

Allocation

  

Market Sector

Allocation

 

Underlying Funds

Allocation

Equity

92.85%

 

U.S. Equity

65.09%

 

Ÿ Growth & Income Fund

13.65%

      

Ÿ Large-Cap Growth Fund

12.32%

      

Ÿ Large-Cap Value Fund

11.94%

      

Ÿ Quant Large-Cap Growth Fund

10.76%

      

Ÿ Quant Large-Cap Value Fund

10.46%

      

Ÿ Quant Small-Cap Equity Fund

3.34%

      

Ÿ Quant Small/Mid-Cap Equity Fund

2.62%

   

International Equity

27.76%

 

Ÿ Quant International Equity Fund

7.25%

      

Ÿ International Equity Fund

6.04%

      

Ÿ International Opportunities Fund

6.02%

      

Ÿ Emerging Markets Equity Fund

4.75%

      

Ÿ Quant International Small-Cap Equity Fund

3.70%

Fixed-Income

2.55%

 

Fixed-Income

2.55%

 

Ÿ Bond Fund

1.34%

      

Ÿ Bond Plus Fund

0.83%

      

Ÿ Emerging Markets Debt Fund

0.19%

      

Ÿ International Bond Fund

0.13%

      

Ÿ High-Yield Fund

0.06%

Real Estate

4.60%

 

Direct Real Estate

4.60%

 

Ÿ TIAA-CREF Real Property Fund LP

4.60%


        

Total

100.00%

  

100.00%

  

100.00%


The following chart shows how the investment glidepath for the Fund is expected to gradually move the Fund’s target allocations over time between the different target market sector allocations. The actual market sector allocations of the Fund may differ from this chart. The Fund seeks to achieve its final target market sector allocations approximately 30 years following the target date.


Lifecycle Funds Glidepath as of June 30, 2020
Years to Target Retirement Date US Equities International Equities Direct Real Estate Fixed Income Short Term Fixed Income Inflation Protected Bonds
45 66.50% 28.50% 5.00% 0.00% 0.00% 0.00%
40 65.62% 28.13% 5.00% 1.25% 0.00% 0.00%
35 64.75% 27.75% 5.00% 2.50% 0.00% 0.00%
30 63.87% 27.38% 5.00% 3.75% 0.00% 0.00%
25 63.00% 27.00% 5.00% 5.00% 0.00% 0.00%
20 56.70% 24.30% 5.00% 14.00% 0.00% 0.00%
15 50.40% 21.60% 5.00% 23.00% 0.00% 0.00%
10 44.10% 18.90% 5.00% 28.00% 2.00% 2.00%
5 37.80% 16.20% 5.00% 33.00% 4.00% 4.00%
0 31.50% 13.50% 5.00% 38.00% 6.00% 6.00%
-5 28.00% 12.00% 5.00% 39.00% 8.00% 8.00%
-10 24.50% 10.50% 5.00% 40.00% 10.00% 10.00%
-15 22.75% 9.75% 2.50% 40.00% 15.00% 10.00%
-20 21.00% 9.00% 0.00% 40.00% 20.00% 10.00%
-25 17.50% 7.50% 0.00% 40.00% 25.00% 10.00%
-30 14.00% 6.00% 0.00% 40.00% 30.00% 10.00%

The Fund is designed to accommodate investors who invest in a fund up to their target retirement date, and plan to make gradual systematic withdrawals in retirement. In addition, investors should note that the Fund will continue to have a significant level of equity exposure up to, through and after its target retirement date, and this exposure could cause significant fluctuations in the value of the Fund depending on the performance of the equity markets generally.


After the Fund reaches its final target allocation, the Board of Trustees may authorize the merger of the Fund into another Lifecycle Fund which has also reached its final target allocation or other similar fund designed to maintain a relatively stable asset allocation reflecting the resting point on the glidepath described in the chart above. Fund shareholders will receive prior notice of any such merger.

Risk [Heading] rr_RiskHeading Principal investment risks
Risk Narrative [Text Block] rr_RiskNarrativeTextBlock

You could lose money over short or long periods by investing in this Fund. An investment in the Fund, due to the nature of the Fund’s portfolio holdings, typically is subject to the following principal investment risks:


· Asset Allocation Risk—The risk that the Fund may not achieve its target allocations. In addition, there is the risk that the asset allocations may not achieve the desired risk-return characteristic or that the selection of Underlying Funds and the allocations among them will result in the Fund underperforming other similar funds or cause an investor to lose money.


· Underlying Funds Risks—The Fund is exposed to the risks of the Underlying Funds in which it invests in direct proportion to the amount of assets the Fund allocates to each Underlying Fund.


· Equity Underlying Funds Risks—The risks of investing in equity Underlying Funds include risks specific to their investment strategies, as well as risks related to the equity markets in general, such as:


· market risk—The risk that the price of equity investments may decline in response to general market and economic conditions or events, including conditions and developments outside of the financial markets;


· issuer risk—The risk that an issuer’s earnings prospects and overall financial position will deteriorate, causing a decline in the value of the issuer’s financial instruments over short or extended periods of time; and


· foreign investment risk—The increased risks of adverse issuer, political, regulatory, currency, market or economic developments compared to investments in U.S. issuers, which can result in greater market and price volatility.


· Fixed-Income Underlying Funds Risks—The risks of investing in fixed-income Underlying Funds include risks specific to their investment strategies, as well as risks related to the fixed-income markets in general, such as:


· interest rate risk—The risk that the value or yield of fixed-income investments may decline if interest rates change, which could adversely affect a Fund’s income or the value of its holdings;


· extension risk—The risk that during periods of rising interest rates, borrowers may pay off their mortgage loans later than expected, preventing a Fund from reinvesting principal proceeds at higher interest rates and resulting in less income than potentially available;


· issuer risk—The risk that an issuer’s earnings prospects and overall financial position will deteriorate, causing a decline in the value of the issuer’s financial instruments over short or extended periods of time;


· credit risk—The risk that a decline in an issuer’s financial position may prevent it from making principal and interest payments on fixed-income investments held by a Fund when due;


· credit spread risk—The risk that credit spreads (i.e., the difference in yield between securities that is due to differences in each security’s respective credit quality) may increase when market participants believe that bonds generally have a greater risk of default, which could result in a decline in the market values of a Fund’s debt securities;


· income volatility risk—The risk that the level of current income from a Fund’s portfolio of fixed-income securities may decline due to rapid and unpredictable changes in prevailing market interest rates; and


· call risk—The risk that, during periods of falling interest rates, an issuer may call (or repay) a fixed-income security prior to maturity, resulting in a decline in a Fund’s income.


· Direct Real Estate Underlying Funds Risks—The risks of investing in direct real estate Underlying Funds include risks specific to their investment strategies, as well as risks related to investing in real estate in general, such as:


· real estate-related investment risk—The risks associated with exposure to direct real estate through investing in investment vehicles managed by Advisors that will primarily invest directly in real estate, which can include declines in real estate values or revenues, uninsured losses at properties, the absence of regulatory oversight of and a secondary market for interests in direct real estate Underlying Funds, a scarcity of interests issued by direct real estate Underlying Funds, making it difficult for the Fund to achieve its target allocation, and illiquidity of interests in direct real estate Underlying Funds.


· Active Management Risk—The risk that the strategy, investment selection or trading execution of Advisors could cause the Fund or an Underlying Fund to underperform its benchmark index or mutual funds with similar investment objectives.


· Fund of Funds Risk—The ability of the Fund to achieve its investment objective will depend in part upon the ability of the Underlying Funds to achieve their investment objectives. There can be no guarantee that any Underlying Fund will achieve its investment objective.


There can be no assurances that the Fund will achieve its investment objective. You should not consider the Fund to be a complete investment program. Please see the non-summary portion of the Prospectus for more detailed information about the risks described above, including the risks of the Underlying Funds.

Risk Lose Money [Text] rr_RiskLoseMoney You could lose money over short or long periods by investing in this Fund.
Bar Chart and Performance Table [Heading] rr_BarChartAndPerformanceTableHeading Past performance
Performance Narrative [Text Block] rr_PerformanceNarrativeTextBlock

The following chart and table help illustrate some of the risks of investing in the Fund by showing changes in the Fund’s performance from year to year. The bar chart shows the annual total returns of the Retirement Class of the Fund, before taxes, in each full calendar year since inception of the Retirement Class. Because the expenses vary across share classes, the performance of the Retirement Class may vary from the other share classes. Below the bar chart are the best and worst returns of the Retirement Class for a calendar quarter during the full calendar-year periods covered by the bar chart. The performance table following the bar chart shows the Fund’s average annual total returns for the Retirement, Institutional, Advisor and Premier classes over the applicable one-year, five-year, ten-year and since-inception periods ended December 31, 2018, and how those returns compare to those of a broad-based securities market index and a composite index that represents the market sectors in which the Fund invests across the equity and fixed-income asset classes. After-tax performance is shown only for the Retirement Class shares, and after-tax returns for the other classes of shares will vary from the after-tax returns presented for Retirement Class shares.


The returns shown below reflect previous agreements by Advisors to waive or reimburse the Fund and certain Underlying Funds for certain fees and expenses. Without these waivers and reimbursements, the returns of the Fund would have been lower. Past performance of the Fund (before and after taxes) is not necessarily an indication of how it will perform in the future. The indices listed below are unmanaged, and you cannot invest directly in an index. The returns for the indices reflect no deduction for fees, expenses or taxes.


For current performance information of each share class, including performance to the most recent month-end, please visit www.tiaa.org.

Performance Information Illustrates Variability of Returns [Text] rr_PerformanceInformationIllustratesVariabilityOfReturns The following chart and table help illustrate some of the risks of investing in the Fund by showing changes in the Fund’s performance from year to year.
Performance Additional Market Index [Text] rr_PerformanceAdditionalMarketIndex As of the close of business on December 31, 2018, the Lifecycle 2055 Fund Composite Index consisted of: 65.0% Russell 3000® Index; 27.9% MSCI All Country World Index ex USA Investable Market Index; and 7.1% Bloomberg Barclays U.S. Aggregate Bond Index. The Fund’s composite benchmark, the components that make up a composite benchmark and the method of calculating a composite benchmark’s performance may vary over time.
Performance Availability Website Address [Text] rr_PerformanceAvailabilityWebSiteAddress www.tiaa.org
Performance Past Does Not Indicate Future [Text] rr_PerformancePastDoesNotIndicateFuture Past performance of the Fund (before and after taxes) is not necessarily an indication of how it will perform in the future.
Bar Chart [Heading] rr_BarChartHeading ANNUAL TOTAL RETURNS FOR THE RETIREMENT CLASS SHARES (%)† Lifecycle 2055 Fund
Bar Chart Footnotes [Text Block] rr_BarChartFootnotesTextBlock

 The year-to-date return as of the most recent calendar quarter, which ended on June 30, 2019, was 16.40%.

Bar Chart Closing [Text Block] rr_BarChartClosingTextBlock

Best quarter: 12.82%, for the quarter ended March 31, 2012. Worst quarter: -14.52%, for the quarter ended December 31, 2018.

Year to Date Return, Label rr_YearToDateReturnLabel The year-to-date return as of the most recent calendar quarter, which ended on June 30, 2019, was
Bar Chart, Year to Date Return, Date rr_BarChartYearToDateReturnDate Jun. 30, 2019
Bar Chart, Year to Date Return rr_BarChartYearToDateReturn 16.40%
Highest Quarterly Return, Label rr_HighestQuarterlyReturnLabel Best quarter:
Highest Quarterly Return, Date rr_BarChartHighestQuarterlyReturnDate Mar. 31, 2012
Highest Quarterly Return rr_BarChartHighestQuarterlyReturn 12.82%
Lowest Quarterly Return, Label rr_LowestQuarterlyReturnLabel Worst quarter:
Lowest Quarterly Return, Date rr_BarChartLowestQuarterlyReturnDate Dec. 31, 2018
Lowest Quarterly Return rr_BarChartLowestQuarterlyReturn (14.52%)
Index No Deduction for Fees, Expenses, Taxes [Text] rr_IndexNoDeductionForFeesExpensesTaxes (reflects no deductions for fees, expenses or taxes)
Performance Table Uses Highest Federal Rate rr_PerformanceTableUsesHighestFederalRate After-tax returns are calculated using the historical highest individual federal marginal income tax rates in effect during the periods shown and do not reflect the impact of state and local taxes.
Performance Table Not Relevant to Tax Deferred rr_PerformanceTableNotRelevantToTaxDeferred The after-tax returns shown are not relevant to investors who hold their Fund shares through tax-deferred arrangements such as 401(a), 401(k) or 403(b) plans or Individual Retirement Accounts (IRAs).
Performance Table One Class of after Tax Shown [Text] rr_PerformanceTableOneClassOfAfterTaxShown After-tax performance is shown only for the Retirement Class shares, and after-tax returns for the other classes of shares will vary from the after-tax returns presented for Retirement Class shares.
Performance Table Closing [Text Block] rr_PerformanceTableClosingTextBlock

Current performance of the Fund’s shares may be higher or lower than that shown above.


After-tax returns are calculated using the historical highest individual federal marginal income tax rates in effect during the periods shown and do not reflect the impact of state and local taxes. Actual after-tax returns depend on the investor’s tax situation and may differ from those shown. The after-tax returns shown are not relevant to investors who hold their Fund shares through tax-deferred arrangements such as 401(a), 401(k) or 403(b) plans or Individual Retirement Accounts (IRAs). After-tax returns are shown for only one class, and after-tax returns for other classes will vary.

Average Annual Return, Caption rr_AverageAnnualReturnCaption AVERAGE ANNUAL TOTAL RETURNS For the Periods Ended December 31, 2018
TIAA-CREF Lifecycle 2055 Fund | S&P Target Date 2055 Index  
Risk/Return: rr_RiskReturnAbstract  
1 Year rr_AverageAnnualReturnYear01 (7.97%)
5 Years rr_AverageAnnualReturnYear05 5.07%
Since Inception rr_AverageAnnualReturnSinceInception 6.82% [1]
TIAA-CREF Lifecycle 2055 Fund | Lifecycle 2055 Fund Composite Index (reflects no deductions for fees, expenses or taxes)  
Risk/Return: rr_RiskReturnAbstract  
1 Year rr_AverageAnnualReturnYear01 (7.48%) [2]
5 Years rr_AverageAnnualReturnYear05 5.65% [2]
Since Inception rr_AverageAnnualReturnSinceInception 7.40% [1],[2]
TIAA-CREF Lifecycle 2055 Fund | Institutional Class  
Risk/Return: rr_RiskReturnAbstract  
Maximum sales charge imposed on purchases (percentage of offering price) rr_MaximumSalesChargeImposedOnPurchasesOverOfferingPrice none
Maximum deferred sales charge rr_MaximumDeferredSalesChargeOverOfferingPrice none
Maximum sales charge imposed on reinvested dividends and other distributions rr_MaximumSalesChargeOnReinvestedDividendsAndDistributionsOverOther none
Redemption or exchange fee rr_RedemptionFeeOverRedemption none
Maximum account fee rr_MaximumAccountFeeOverAssets none
Management fees rr_ManagementFeesOverAssets 0.50% [3],[4]
Other expenses rr_OtherExpensesOverAssets 0.06% [3],[4]
Acquired Fund fees and expenses rr_AcquiredFundFeesAndExpensesOverAssets 0.03% [5]
Total annual Fund operating expenses rr_ExpensesOverAssets 0.59%
Waivers and expense reimbursements rr_FeeWaiverOrReimbursementOverAssets (0.14%) [6],[7]
Total annual Fund operating expenses after fee waiver and/or expense reimbursement rr_NetExpensesOverAssets 0.45%
Expense Example, with Redemption, 1 Year rr_ExpenseExampleYear01 $ 46
Expense Example, with Redemption, 3 Years rr_ExpenseExampleYear03 153
Expense Example, with Redemption, 5 Years rr_ExpenseExampleYear05 294
Expense Example, with Redemption, 10 Years rr_ExpenseExampleYear10 $ 704
1 Year rr_AverageAnnualReturnYear01 (9.86%)
5 Years rr_AverageAnnualReturnYear05 4.89%
Since Inception rr_AverageAnnualReturnSinceInception 6.91%
Inception Date rr_AverageAnnualReturnInceptionDate Apr. 29, 2011
TIAA-CREF Lifecycle 2055 Fund | Advisor Class  
Risk/Return: rr_RiskReturnAbstract  
Maximum sales charge imposed on purchases (percentage of offering price) rr_MaximumSalesChargeImposedOnPurchasesOverOfferingPrice none
Maximum deferred sales charge rr_MaximumDeferredSalesChargeOverOfferingPrice none
Maximum sales charge imposed on reinvested dividends and other distributions rr_MaximumSalesChargeOnReinvestedDividendsAndDistributionsOverOther none
Redemption or exchange fee rr_RedemptionFeeOverRedemption none
Maximum account fee rr_MaximumAccountFeeOverAssets none
Management fees rr_ManagementFeesOverAssets 0.50% [3],[4]
Other expenses rr_OtherExpensesOverAssets 0.14% [3],[4]
Acquired Fund fees and expenses rr_AcquiredFundFeesAndExpensesOverAssets 0.03% [5]
Total annual Fund operating expenses rr_ExpensesOverAssets 0.67%
Waivers and expense reimbursements rr_FeeWaiverOrReimbursementOverAssets (0.14%) [6],[7]
Total annual Fund operating expenses after fee waiver and/or expense reimbursement rr_NetExpensesOverAssets 0.53%
Expense Example, with Redemption, 1 Year rr_ExpenseExampleYear01 $ 54
Expense Example, with Redemption, 3 Years rr_ExpenseExampleYear03 179
Expense Example, with Redemption, 5 Years rr_ExpenseExampleYear05 338
Expense Example, with Redemption, 10 Years rr_ExpenseExampleYear10 $ 801
1 Year rr_AverageAnnualReturnYear01 (9.87%)
5 Years rr_AverageAnnualReturnYear05 4.79% [8]
Since Inception rr_AverageAnnualReturnSinceInception 6.75% [8]
Inception Date rr_AverageAnnualReturnInceptionDate Dec. 04, 2015
TIAA-CREF Lifecycle 2055 Fund | Premier Class  
Risk/Return: rr_RiskReturnAbstract  
Maximum sales charge imposed on purchases (percentage of offering price) rr_MaximumSalesChargeImposedOnPurchasesOverOfferingPrice none
Maximum deferred sales charge rr_MaximumDeferredSalesChargeOverOfferingPrice none
Maximum sales charge imposed on reinvested dividends and other distributions rr_MaximumSalesChargeOnReinvestedDividendsAndDistributionsOverOther none
Redemption or exchange fee rr_RedemptionFeeOverRedemption none
Maximum account fee rr_MaximumAccountFeeOverAssets none
Management fees rr_ManagementFeesOverAssets 0.50% [3],[4]
Distribution (Rule 12b-1) fees rr_DistributionAndService12b1FeesOverAssets 0.15%
Other expenses rr_OtherExpensesOverAssets 0.06% [3],[4]
Acquired Fund fees and expenses rr_AcquiredFundFeesAndExpensesOverAssets 0.03% [5]
Total annual Fund operating expenses rr_ExpensesOverAssets 0.74%
Waivers and expense reimbursements rr_FeeWaiverOrReimbursementOverAssets (0.14%) [6],[7]
Total annual Fund operating expenses after fee waiver and/or expense reimbursement rr_NetExpensesOverAssets 0.60%
Expense Example, with Redemption, 1 Year rr_ExpenseExampleYear01 $ 61
Expense Example, with Redemption, 3 Years rr_ExpenseExampleYear03 201
Expense Example, with Redemption, 5 Years rr_ExpenseExampleYear05 376
Expense Example, with Redemption, 10 Years rr_ExpenseExampleYear10 $ 885
1 Year rr_AverageAnnualReturnYear01 (10.10%)
5 Years rr_AverageAnnualReturnYear05 4.72%
Since Inception rr_AverageAnnualReturnSinceInception 6.74%
Inception Date rr_AverageAnnualReturnInceptionDate Apr. 29, 2011
TIAA-CREF Lifecycle 2055 Fund | Retirement Class  
Risk/Return: rr_RiskReturnAbstract  
Maximum sales charge imposed on purchases (percentage of offering price) rr_MaximumSalesChargeImposedOnPurchasesOverOfferingPrice none
Maximum deferred sales charge rr_MaximumDeferredSalesChargeOverOfferingPrice none
Maximum sales charge imposed on reinvested dividends and other distributions rr_MaximumSalesChargeOnReinvestedDividendsAndDistributionsOverOther none
Redemption or exchange fee rr_RedemptionFeeOverRedemption none
Maximum account fee rr_MaximumAccountFeeOverAssets none
Management fees rr_ManagementFeesOverAssets 0.50% [3],[4]
Other expenses rr_OtherExpensesOverAssets 0.31% [3],[4]
Acquired Fund fees and expenses rr_AcquiredFundFeesAndExpensesOverAssets 0.03% [5]
Total annual Fund operating expenses rr_ExpensesOverAssets 0.84%
Waivers and expense reimbursements rr_FeeWaiverOrReimbursementOverAssets (0.14%) [6],[7]
Total annual Fund operating expenses after fee waiver and/or expense reimbursement rr_NetExpensesOverAssets 0.70%
Expense Example, with Redemption, 1 Year rr_ExpenseExampleYear01 $ 72
Expense Example, with Redemption, 3 Years rr_ExpenseExampleYear03 233
Expense Example, with Redemption, 5 Years rr_ExpenseExampleYear05 431
Expense Example, with Redemption, 10 Years rr_ExpenseExampleYear10 $ 1,004
Annual Return 2012 rr_AnnualReturn2012 17.30%
Annual Return 2013 rr_AnnualReturn2013 25.92%
Annual Return 2014 rr_AnnualReturn2014 4.37%
Annual Return 2015 rr_AnnualReturn2015 (0.13%)
Annual Return 2016 rr_AnnualReturn2016 8.06%
Annual Return 2017 rr_AnnualReturn2017 23.85%
Annual Return 2018 rr_AnnualReturn2018 (10.13%)
1 Year rr_AverageAnnualReturnYear01 (10.13%)
5 Years rr_AverageAnnualReturnYear05 4.63%
Since Inception rr_AverageAnnualReturnSinceInception 6.64%
Inception Date rr_AverageAnnualReturnInceptionDate Apr. 29, 2011
TIAA-CREF Lifecycle 2055 Fund | Retirement Class | After Taxes on Distributions  
Risk/Return: rr_RiskReturnAbstract  
1 Year rr_AverageAnnualReturnYear01 (11.10%)
5 Years rr_AverageAnnualReturnYear05 3.53%
Since Inception rr_AverageAnnualReturnSinceInception 5.61%
TIAA-CREF Lifecycle 2055 Fund | Retirement Class | After Taxes on Distributions and Sale of Fund Shares  
Risk/Return: rr_RiskReturnAbstract  
1 Year rr_AverageAnnualReturnYear01 (5.40%)
5 Years rr_AverageAnnualReturnYear05 3.41%
Since Inception rr_AverageAnnualReturnSinceInception 5.06%
[1] Performance is calculated from the inception date of the Retirement Class.
[2] As of the close of business on December 31, 2018, the Lifecycle 2055 Fund Composite Index consisted of: 65.0% Russell 3000® Index; 27.9% MSCI All Country World Index ex USA Investable Market Index; and 7.1% Bloomberg Barclays U.S. Aggregate Bond Index. The Fund's composite benchmark, the components that make up a composite benchmark and the method of calculating a composite benchmark's performance may vary over time.
[3] Portions of the Management fees and Other expenses are based on expenses originally incurred by Class W shares of the Underlying Funds (as defined below) of the Trust, which have been incurred directly by the Fund pursuant to certain contractual arrangements intended to reallocate directly to the Fund certain fees and expenses that had been paid by the Underlying Funds of the Trust. For additional information, please see the "Management of the Funds" section of this Prospectus.
[4] Restated to reflect estimates for the current fiscal year.
[5] "Acquired Fund fees and expenses" are the Fund's proportionate amount of the expenses of any investment companies or pools in which it invests (excluding expenses originally incurred by Class W of the Underlying Funds of the Trust that have been incurred directly by the Fund, which are instead reflected in Management fees and Other expenses). These expenses are not paid directly by Fund shareholders. Instead, Fund shareholders bear these expenses indirectly because they reduce Fund performance. Because "Acquired Fund fees and expenses" are included in the chart above, the Fund's operating expenses here will not correlate with the expenses included in the Financial highlights in this Prospectus and the Fund's annual report.
[6] Advisors has contractually agreed to waive 0.10% of the Fund's Management fee. This waiver will remain in effect through September 30, 2022, unless changed with the approval of the Board of Trustees.
[7] Under the Fund's expense reimbursement arrangements, the Fund's investment adviser, Teachers Advisors, LLC ("Advisors"), has contractually agreed to reimburse the Fund for any Total annual Fund operating expenses (excluding interest, taxes, brokerage commissions or other transactional expenses, Acquired Fund fees and expenses, extraordinary expenses and any expenses originally attributable to Class W shares of the Underlying Funds of the Trust that were incurred directly by the Fund) that exceed: (i) 0.00% of average daily net assets for Institutional Class shares; (ii) 0.15% of average daily net assets for Advisor Class shares; (iii) 0.15% of average daily net assets for Premier Class shares; and (iv) 0.25% of average daily net assets for Retirement Class shares of the Fund. These expense reimbursement arrangements will continue through at least September 30, 2020, unless changed with approval of the Board of Trustees.
[8] The performance shown for the Advisor Class that is prior to its inception date is based on performance of the Fund's Retirement Class. The performance for these periods has not been restated to reflect the lower expenses of the Advisor Class.Performance is calculated from the inception date of the Retirement Class.
XML 105 R127.htm IDEA: XBRL DOCUMENT v3.19.3
Label Element Value
TIAA-CREF Lifecycle Index 2030 Fund  
Risk/Return: rr_RiskReturnAbstract  
Risk/Return [Heading] rr_RiskReturnHeading TIAA-CREF Lifecycle Index 2030 Fund
Objective [Heading] rr_ObjectiveHeading Investment objective
Objective, Primary [Text Block] rr_ObjectivePrimaryTextBlock

The Lifecycle Index 2030 Fund seeks high total return over time through a combination of capital appreciation and income.

Expense [Heading] rr_ExpenseHeading Fees and expenses
Expense Narrative [Text Block] rr_ExpenseNarrativeTextBlock

This table describes the fees and expenses that you may pay if you buy and hold shares of the Fund. In addition to the fees and expenses described below, investors may be required to pay a commission to a broker-dealer or other financial intermediary on purchases and sales of Institutional Class or Advisor Class shares of the Fund.

Shareholder Fees Caption [Text] rr_ShareholderFeesCaption SHAREHOLDER FEES (fees paid directly from your investment)
Operating Expenses Caption [Text] rr_OperatingExpensesCaption ANNUAL FUND OPERATING EXPENSES (expenses that you pay each year as a percentage of the value of your investment)
Portfolio Turnover [Heading] rr_PortfolioTurnoverHeading Portfolio turnover
Portfolio Turnover [Text Block] rr_PortfolioTurnoverTextBlock

The Fund pays transaction costs, such as commissions, when it buys and sells securities (or “turns over” its portfolio). A higher portfolio turnover rate may indicate higher transaction costs and may result in higher taxes when Fund shares are held in a taxable account. These costs, which are not reflected in annual fund operating expenses or in the example, affect the Fund’s performance. During the fiscal year ended May 31, 2019, the Fund’s portfolio turnover rate was 10% of the average value of its portfolio.

Portfolio Turnover, Rate rr_PortfolioTurnoverRate 10.00%
Expenses Restated to Reflect Current [Text] rr_ExpensesRestatedToReflectCurrent Restated to reflect estimates for the current fiscal year.
Expense Example [Heading] rr_ExpenseExampleHeading Example
Expense Example Narrative [Text Block] rr_ExpenseExampleNarrativeTextBlock

This example is intended to help you compare the cost of investing in shares of the Fund with the cost of investing in other mutual funds. The example assumes that you invest $10,000 in the Fund for the time periods indicated and then redeem all your shares at the end of those periods. The example also assumes that your investment has a 5% return each year and that the Fund’s operating expenses, before fee waivers and/or expense reimbursements, remain the same. The example assumes that the Fund’s fee waiver and/or expense reimbursement arrangements will each remain in place for the durations noted in the table above. Although your actual costs may be higher or lower, based on these assumptions your costs would be:

Strategy [Heading] rr_StrategyHeading Principal investment strategies
Strategy Narrative [Text Block] rr_StrategyNarrativeTextBlock

The Fund is a “fund of funds” that invests in Class W shares of other funds of the Trust and potentially in other investment pools or investment products, including other funds advised by the Fund’s investment adviser, Teachers Advisors, LLC (“Advisors”), or its affiliates (collectively, the “Underlying Funds”). In general, the Fund is designed for investors who have an approximate target retirement year in mind, and the Fund’s investments are adjusted from more aggressive to more conservative over time as the Fund’s target retirement year approaches and for approximately 30 years afterwards. The Fund invests in Underlying Funds according to an asset allocation strategy designed for investors retiring in, or planning to retire within a few years of, 2030 and who may begin taking systematic withdrawals upon retirement. The Fund has a policy of investing at least 80% of its assets (net assets, plus the amount of any borrowings for investment purposes) in Underlying Funds that are managed to seek investment returns that track particular market indices.


Advisors currently expects to allocate approximately 66.00% of the Fund’s assets to equity Underlying Funds and 34.00% of its assets to fixed-income Underlying Funds. These allocations represent targets for equity and fixed-income asset classes. Target allocations will change over time and actual allocations may vary up to ten percentage points from the targets. The target allocations along the investment glidepath, illustrated in the chart below, gradually become more conservative, moving to target allocations of approximately 50.00% equity/50.00% fixed-income in the Fund’s target retirement year of 2030 and reaching the Fund’s final target allocation of approximately 20.00% equity/80.00% fixed-income in 2060. Within the equity and fixed-income asset classes, Advisors allocates the Fund’s investments to particular market sectors (U.S. equity, international equity, fixed-income, short-term fixed-income and inflation-protected assets) represented by various Underlying Funds. These market sector allocations may vary by up to 10% from the Fund’s target market sector allocations. The Fund’s current target market sector allocations for June 30, 2020, which will change over time, are approximately as follows: U.S. Equity: 46.20%; International Equity: 19.80%; Fixed-Income: 30.00%; Short-Term Fixed-Income: 2.00%; and Inflation-Protected Assets: 2.00%. The asset class and market sector names used herein are intended to reflect the primary type of investment of the Underlying Funds within each of these categories.


The Fund’s target market sector allocations to Underlying Funds may include the TIAA-CREF Equity Index Fund (U.S. Equity); Emerging Markets Equity Index Fund and International Equity Index Fund (International Equity); Bond Index Fund (Fixed-Income); Short-Term Bond Index Fund (Short-Term Fixed-Income); and Inflation-Linked Bond Fund (Inflation-Protected Assets).


Additional or replacement Underlying Funds for each market sector, as well as additional or replacement market sectors, may be included when making future allocations if Advisors believes that such Underlying Funds and/or market sectors are appropriate in light of the Fund’s desired levels of risk and potential return at the particular time. The Fund’s portfolio management team may also add a new market sector if it believes that will help to achieve the Fund’s investment objective. The relative allocations among Underlying Funds within a market sector may be changed at any time without notice to shareholders. If 10% or more of the Fund’s assets are expected to be invested in any Underlying Fund or market sector not listed above, shareholders will receive prior notice of such change.


The Fund’s asset class allocations, market sector allocations within each asset class, and Underlying Fund allocations within each market sector, as of June 30, 2019, are listed in the chart below. These allocations will change over time. Underlying Fund allocations in particular may change from year to year.


        

Asset Class

Allocation

  

Market Sector

Allocation

 

Underlying Funds

Allocation

Equity

68.26%

 

U.S. Equity

47.88%

 

Ÿ Equity Index Fund

47.88%

   

International Equity

20.38%

 

Ÿ International Equity Index Fund

14.61%

      

Ÿ Emerging Markets Equity Index Fund

5.77%

Fixed-Income

31.74%

 

Fixed-Income

28.64%

 

Ÿ Bond Index Fund

28.64%

   

Short-Term
Fixed-Income

1.55%

 

Ÿ Short-Term Bond Index Fund

1.55%

   

Inflation-
Protected Assets

1.55%

 

Ÿ Inflation-Linked Bond Fund

1.55%


        

Total

100.00%

  

100.00%

  

100.00%


The following chart shows how the investment glidepath for the Fund is expected to gradually move the Fund’s target allocations over time between the different target market sector allocations. The actual market sector allocations of the Fund may differ from this chart. The Fund seeks to achieve its final target market sector allocations approximately 30 years following the target date.


Lifecycle Index Funds Glidepath as of June 30, 2020
Years to Target Retirement Date US Equities International Equities Fixed Income Short Term Fixed Income Inflation Protected Bonds
45 66.50% 28.50% 5.00% 0.00% 0.00%
40 65.62% 28.13% 6.25% 0.00% 0.00%
35 64.75% 27.75% 7.50% 0.00% 0.00%
30 63.87% 27.38% 8.75% 0.00% 0.00%
25 63.00% 27.00% 10.00% 0.00% 0.00%
20 57.40% 24.60% 18.00% 0.00% 0.00%
15 51.80% 22.20% 26.00% 0.00% 0.00%
10 46.20% 19.80% 30.00% 2.00% 2.00%
5 40.60% 17.40% 34.00% 4.00% 4.00%
0 35.00% 15.00% 38.00% 6.00% 6.00%
-5 31.50% 13.50% 39.00% 8.00% 8.00%
-10 28.00% 12.00% 40.00% 10.00% 10.00%
-15 24.50% 10.50% 40.00% 15.00% 10.00%
-20 21.00% 9.00% 40.00% 20.00% 10.00%
-25 17.50% 7.50% 40.00% 25.00% 10.00%
-30 14.00% 6.00% 40.00% 30.00% 10.00%

The Fund is designed to accommodate investors who invest in a fund up to their target retirement date, and plan to make gradual systematic withdrawals in retirement. In addition, investors should note that the Fund will continue to have a significant level of equity exposure up to, through and after its target retirement date, and this exposure could cause significant fluctuations in the value of the Fund depending on the performance of the equity markets generally.


After the Fund reaches its final target allocation, the Board of Trustees may authorize the merger of the Fund into another Lifecycle Index Fund which has also reached its final target allocation or other similar fund designed to maintain a relatively stable asset allocation reflecting the resting point on the glidepath described in the chart above. Fund shareholders will receive prior notice of any such merger.

Risk [Heading] rr_RiskHeading Principal investment risks
Risk Narrative [Text Block] rr_RiskNarrativeTextBlock

You could lose money over short or long periods by investing in this Fund. An investment in the Fund, due to the nature of the Fund’s portfolio holdings, typically is subject to the following principal investment risks:


· Asset Allocation Risk—The risk that the Fund may not achieve its target allocations. In addition, there is the risk that the asset allocations may not achieve the desired risk-return characteristic or that the selection of Underlying Funds and the allocations among them will result in the Fund underperforming other similar funds or cause an investor to lose money.


· Index Risk—The risk that the Fund’s performance may not correspond to its benchmark index for any period of time and may underperform such index or the overall financial market. Additionally, to the extent that the Fund’s investments vary from the composition of its benchmark index, the Fund’s performance could potentially vary from the index’s performance to a greater extent than if the Fund merely attempted to replicate the index.


· Underlying Funds Risks—The Fund is exposed to the risks of the Underlying Funds in which it invests in direct proportion to the amount of assets the Fund allocates to each Underlying Fund.


· Equity Underlying Funds Risks—The risks of investing in equity Underlying Funds include risks specific to their investment strategies, as well as risks related to the equity markets in general, such as:


· market risk—The risk that the price of equity investments may decline in response to general market and economic conditions or events, including conditions and developments outside of the financial markets;


· issuer risk—The risk that an issuer’s earnings prospects and overall financial position will deteriorate, causing a decline in the value of the issuer’s financial instruments over short or extended periods of time; and


· foreign investment risk—The increased risks of adverse issuer, political, regulatory, currency, market or economic developments compared to investments in U.S. issuers, which can result in greater market and price volatility.


· Fixed-Income Underlying Funds Risks—The risks of investing in fixed-income Underlying Funds include risks specific to their investment strategies, as well as risks related to the fixed-income markets in general, such as:


· interest rate risk—The risk that the value or yield of fixed-income investments may decline if interest rates change, which could adversely affect a Fund’s income or the value of its holdings;


· extension risk—The risk that during periods of rising interest rates, borrowers may pay off their mortgage loans later than expected, preventing a Fund from reinvesting principal proceeds at higher interest rates and resulting in less income than potentially available;


· issuer risk—The risk that an issuer’s earnings prospects and overall financial position will deteriorate, causing a decline in the value of the issuer’s financial instruments over short or extended periods of time;


· credit risk—The risk that a decline in an issuer’s financial position may prevent it from making principal and interest payments on fixed-income investments held by a Fund when due;


· credit spread risk—The risk that credit spreads (i.e., the difference in yield between securities that is due to differences in each security’s respective credit quality) may increase when market participants believe that bonds generally have a greater risk of default, which could result in a decline in the market values of a Fund’s debt securities;


· income volatility risk—The risk that the level of current income from a Fund’s portfolio of fixed-income securities may decline due to rapid and unpredictable changes in prevailing market interest rates; and


· call risk—The risk that, during periods of falling interest rates, an issuer may call (or repay) a fixed-income security prior to maturity, resulting in a decline in a Fund’s income.


· Active Management Risk—The risk that the strategy, investment selection or trading execution of Advisors could cause the Fund or an Underlying Fund to underperform its benchmark index or mutual funds with similar investment objectives.


· Fund of Funds Risk—The ability of the Fund to achieve its investment objective will depend in part upon the ability of the Underlying Funds to achieve their investment objectives. There can be no guarantee that any Underlying Fund will achieve its investment objective.


There can be no assurances that the Fund will achieve its investment objective. You should not consider the Fund to be a complete investment program. Please see the non-summary portion of the Prospectus for more detailed information about the risks described above, including the risks of the Underlying Funds.

Risk Lose Money [Text] rr_RiskLoseMoney You could lose money over short or long periods by investing in this Fund.
Bar Chart and Performance Table [Heading] rr_BarChartAndPerformanceTableHeading Past performance
Performance Narrative [Text Block] rr_PerformanceNarrativeTextBlock

The following chart and table help illustrate some of the risks of investing in the Fund by showing changes in the Fund’s performance from year to year. The bar chart shows the annual total returns of the Retirement Class of the Fund, before taxes, in each full calendar year since inception of the Retirement Class. Because the expenses vary across share classes, the performance of the Retirement Class may vary from the other share classes. Below the bar chart are the best and worst returns of the Retirement Class for a calendar quarter during the full calendar-year periods covered by the bar chart. The performance table following the bar chart shows the Fund’s average annual total returns for the Retirement, Institutional, Advisor and Premier classes over the applicable one-year, five-year, ten-year and since-inception periods ended December 31, 2018, and how those returns compare to those of a broad-based securities market index and a composite index based on the Fund’s target allocations. After-tax performance is shown only for the Retirement Class shares, and after-tax returns for the other classes of shares will vary from the after-tax returns presented for Retirement Class shares.


The returns shown below reflect previous agreements by Advisors to waive or reimburse the Fund and certain Underlying Funds for certain fees and expenses. Without these waivers and reimbursements, the returns of the Fund would have been lower. Past performance of the Fund (before and after taxes) is not necessarily an indication of how it will perform in the future. The indices listed below are unmanaged, and you cannot invest directly in an index. The returns for the indices reflect no deduction for fees, expenses or taxes.


For current performance information of each share class, including performance to the most recent month-end, please visit www.tiaa.org.

Performance Information Illustrates Variability of Returns [Text] rr_PerformanceInformationIllustratesVariabilityOfReturns The following chart and table help illustrate some of the risks of investing in the Fund by showing changes in the Fund’s performance from year to year.
Performance Additional Market Index [Text] rr_PerformanceAdditionalMarketIndex As of the close of business on December 31, 2018, the Lifecycle Index 2030 Fund Composite Index consisted of: 47.9% Russell 3000® Index; 28.8% Bloomberg Barclays U.S. Aggregate Bond Index; 20.5% MSCI EAFE + Emerging Markets Index; 1.4% Bloomberg Barclays U.S. 1-3 Year Government/Credit Bond Index; and 1.4% Bloomberg Barclays U.S. Treasury Inflation Protected Securities (TIPS) 1-10 Year Index. The Fund’s composite benchmark, the components that make up a composite benchmark and the method of calculating a composite benchmark’s performance may vary over time.
Performance Availability Website Address [Text] rr_PerformanceAvailabilityWebSiteAddress www.tiaa.org
Performance Past Does Not Indicate Future [Text] rr_PerformancePastDoesNotIndicateFuture Past performance of the Fund (before and after taxes) is not necessarily an indication of how it will perform in the future.
Bar Chart [Heading] rr_BarChartHeading ANNUAL TOTAL RETURNS FOR THE RETIREMENT CLASS SHARES (%)† Lifecycle Index 2030 Fund
Bar Chart Footnotes [Text Block] rr_BarChartFootnotesTextBlock

 The year-to-date return as of the most recent calendar quarter, which ended on June 30, 2019, was 13.26%.

Bar Chart Closing [Text Block] rr_BarChartClosingTextBlock

Best quarter: 11.08%, for the quarter ended September 30, 2010. Worst quarter: -12.86%, for the quarter ended September 30, 2011.

Year to Date Return, Label rr_YearToDateReturnLabel The year-to-date return as of the most recent calendar quarter, which ended on June 30, 2019, was
Bar Chart, Year to Date Return, Date rr_BarChartYearToDateReturnDate Jun. 30, 2019
Bar Chart, Year to Date Return rr_BarChartYearToDateReturn 13.26%
Highest Quarterly Return, Label rr_HighestQuarterlyReturnLabel Best quarter:
Highest Quarterly Return, Date rr_BarChartHighestQuarterlyReturnDate Sep. 30, 2010
Highest Quarterly Return rr_BarChartHighestQuarterlyReturn 11.08%
Lowest Quarterly Return, Label rr_LowestQuarterlyReturnLabel Worst quarter:
Lowest Quarterly Return, Date rr_BarChartLowestQuarterlyReturnDate Sep. 30, 2011
Lowest Quarterly Return rr_BarChartLowestQuarterlyReturn (12.86%)
Index No Deduction for Fees, Expenses, Taxes [Text] rr_IndexNoDeductionForFeesExpensesTaxes (reflects no deductions for fees, expenses or taxes)
Performance Table Uses Highest Federal Rate rr_PerformanceTableUsesHighestFederalRate After-tax returns are calculated using the historical highest individual federal marginal income tax rates in effect during the periods shown and do not reflect the impact of state and local taxes.
Performance Table Not Relevant to Tax Deferred rr_PerformanceTableNotRelevantToTaxDeferred The after-tax returns shown are not relevant to investors who hold their Fund shares through tax-deferred arrangements such as 401(a), 401(k) or 403(b) plans or Individual Retirement Accounts (IRAs).
Performance Table One Class of after Tax Shown [Text] rr_PerformanceTableOneClassOfAfterTaxShown After-tax performance is shown only for the Retirement Class shares, and after-tax returns for the other classes of shares will vary from the after-tax returns presented for Retirement Class shares.
Performance Table Closing [Text Block] rr_PerformanceTableClosingTextBlock

Current performance of the Fund’s shares may be higher or lower than that shown above.


After-tax returns are calculated using the historical highest individual federal marginal income tax rates in effect during the periods shown and do not reflect the impact of state and local taxes. Actual after-tax returns depend on the investor’s tax situation and may differ from those shown. The after-tax returns shown are not relevant to investors who hold their Fund shares through tax-deferred arrangements such as 401(a), 401(k) or 403(b) plans or Individual Retirement Accounts (IRAs). After-tax returns are shown for only one class, and after-tax returns for other classes will vary.

Average Annual Return, Caption rr_AverageAnnualReturnCaption AVERAGE ANNUAL TOTAL RETURNS For the Periods Ended December 31, 2018
TIAA-CREF Lifecycle Index 2030 Fund | S&P Target Date 2030 Index  
Risk/Return: rr_RiskReturnAbstract  
1 Year rr_AverageAnnualReturnYear01 (5.99%)
5 Years rr_AverageAnnualReturnYear05 4.50%
Since Inception rr_AverageAnnualReturnSinceInception 7.71% [1]
TIAA-CREF Lifecycle Index 2030 Fund | Lifecycle Index 2030 Fund Composite Index (reflects no deductions for fees, expenses or taxes)  
Risk/Return: rr_RiskReturnAbstract  
1 Year rr_AverageAnnualReturnYear01 (5.17%) [2]
5 Years rr_AverageAnnualReturnYear05 5.04% [2]
Since Inception rr_AverageAnnualReturnSinceInception 8.28% [1],[2]
TIAA-CREF Lifecycle Index 2030 Fund | Institutional Class  
Risk/Return: rr_RiskReturnAbstract  
Maximum sales charge imposed on purchases (percentage of offering price) rr_MaximumSalesChargeImposedOnPurchasesOverOfferingPrice none
Maximum deferred sales charge rr_MaximumDeferredSalesChargeOverOfferingPrice none
Maximum sales charge imposed on reinvested dividends and other distributions rr_MaximumSalesChargeOnReinvestedDividendsAndDistributionsOverOther none
Redemption or exchange fee rr_RedemptionFeeOverRedemption none
Maximum account fee rr_MaximumAccountFeeOverAssets none
Management fees rr_ManagementFeesOverAssets 0.17% [3],[4]
Other expenses rr_OtherExpensesOverAssets 0.03% [3],[4]
Total annual Fund operating expenses rr_ExpensesOverAssets 0.20%
Waivers and expense reimbursements rr_FeeWaiverOrReimbursementOverAssets (0.10%) [5],[6]
Total annual Fund operating expenses after fee waiver and/or expense reimbursement rr_NetExpensesOverAssets 0.10%
Expense Example, with Redemption, 1 Year rr_ExpenseExampleYear01 $ 10
Expense Example, with Redemption, 3 Years rr_ExpenseExampleYear03 54
Expense Example, with Redemption, 5 Years rr_ExpenseExampleYear05 103
Expense Example, with Redemption, 10 Years rr_ExpenseExampleYear10 $ 245
1 Year rr_AverageAnnualReturnYear01 (5.04%)
5 Years rr_AverageAnnualReturnYear05 4.97%
Since Inception rr_AverageAnnualReturnSinceInception 8.17%
Inception Date rr_AverageAnnualReturnInceptionDate Sep. 30, 2009
TIAA-CREF Lifecycle Index 2030 Fund | Advisor Class  
Risk/Return: rr_RiskReturnAbstract  
Maximum sales charge imposed on purchases (percentage of offering price) rr_MaximumSalesChargeImposedOnPurchasesOverOfferingPrice none
Maximum deferred sales charge rr_MaximumDeferredSalesChargeOverOfferingPrice none
Maximum sales charge imposed on reinvested dividends and other distributions rr_MaximumSalesChargeOnReinvestedDividendsAndDistributionsOverOther none
Redemption or exchange fee rr_RedemptionFeeOverRedemption none
Maximum account fee rr_MaximumAccountFeeOverAssets none
Management fees rr_ManagementFeesOverAssets 0.17% [3],[4]
Other expenses rr_OtherExpensesOverAssets 0.12% [3],[4]
Total annual Fund operating expenses rr_ExpensesOverAssets 0.29%
Waivers and expense reimbursements rr_FeeWaiverOrReimbursementOverAssets (0.10%) [5],[6]
Total annual Fund operating expenses after fee waiver and/or expense reimbursement rr_NetExpensesOverAssets 0.19%
Expense Example, with Redemption, 1 Year rr_ExpenseExampleYear01 $ 19
Expense Example, with Redemption, 3 Years rr_ExpenseExampleYear03 83
Expense Example, with Redemption, 5 Years rr_ExpenseExampleYear05 153
Expense Example, with Redemption, 10 Years rr_ExpenseExampleYear10 $ 358
1 Year rr_AverageAnnualReturnYear01 (5.14%)
5 Years rr_AverageAnnualReturnYear05 4.82% [7]
Since Inception rr_AverageAnnualReturnSinceInception 7.96% [7]
Inception Date rr_AverageAnnualReturnInceptionDate Dec. 04, 2015
TIAA-CREF Lifecycle Index 2030 Fund | Premier Class  
Risk/Return: rr_RiskReturnAbstract  
Maximum sales charge imposed on purchases (percentage of offering price) rr_MaximumSalesChargeImposedOnPurchasesOverOfferingPrice none
Maximum deferred sales charge rr_MaximumDeferredSalesChargeOverOfferingPrice none
Maximum sales charge imposed on reinvested dividends and other distributions rr_MaximumSalesChargeOnReinvestedDividendsAndDistributionsOverOther none
Redemption or exchange fee rr_RedemptionFeeOverRedemption none
Maximum account fee rr_MaximumAccountFeeOverAssets none
Management fees rr_ManagementFeesOverAssets 0.17% [3],[4]
Distribution (Rule 12b-1) fees rr_DistributionAndService12b1FeesOverAssets 0.15%
Other expenses rr_OtherExpensesOverAssets 0.03% [3],[4]
Total annual Fund operating expenses rr_ExpensesOverAssets 0.35%
Waivers and expense reimbursements rr_FeeWaiverOrReimbursementOverAssets (0.10%) [5],[6]
Total annual Fund operating expenses after fee waiver and/or expense reimbursement rr_NetExpensesOverAssets 0.25%
Expense Example, with Redemption, 1 Year rr_ExpenseExampleYear01 $ 26
Expense Example, with Redemption, 3 Years rr_ExpenseExampleYear03 102
Expense Example, with Redemption, 5 Years rr_ExpenseExampleYear05 186
Expense Example, with Redemption, 10 Years rr_ExpenseExampleYear10 $ 433
1 Year rr_AverageAnnualReturnYear01 (5.21%)
5 Years rr_AverageAnnualReturnYear05 4.82%
Since Inception rr_AverageAnnualReturnSinceInception 8.01%
Inception Date rr_AverageAnnualReturnInceptionDate Sep. 30, 2009
TIAA-CREF Lifecycle Index 2030 Fund | Retirement Class  
Risk/Return: rr_RiskReturnAbstract  
Maximum sales charge imposed on purchases (percentage of offering price) rr_MaximumSalesChargeImposedOnPurchasesOverOfferingPrice none
Maximum deferred sales charge rr_MaximumDeferredSalesChargeOverOfferingPrice none
Maximum sales charge imposed on reinvested dividends and other distributions rr_MaximumSalesChargeOnReinvestedDividendsAndDistributionsOverOther none
Redemption or exchange fee rr_RedemptionFeeOverRedemption none
Maximum account fee rr_MaximumAccountFeeOverAssets none
Management fees rr_ManagementFeesOverAssets 0.17% [3],[4]
Other expenses rr_OtherExpensesOverAssets 0.28% [3],[4]
Total annual Fund operating expenses rr_ExpensesOverAssets 0.45%
Waivers and expense reimbursements rr_FeeWaiverOrReimbursementOverAssets (0.10%) [5],[6]
Total annual Fund operating expenses after fee waiver and/or expense reimbursement rr_NetExpensesOverAssets 0.35%
Expense Example, with Redemption, 1 Year rr_ExpenseExampleYear01 $ 36
Expense Example, with Redemption, 3 Years rr_ExpenseExampleYear03 134
Expense Example, with Redemption, 5 Years rr_ExpenseExampleYear05 242
Expense Example, with Redemption, 10 Years rr_ExpenseExampleYear10 $ 557
Annual Return 2010 rr_AnnualReturn2010 12.91%
Annual Return 2011 rr_AnnualReturn2011 (0.53%)
Annual Return 2012 rr_AnnualReturn2012 13.98%
Annual Return 2013 rr_AnnualReturn2013 20.63%
Annual Return 2014 rr_AnnualReturn2014 6.41%
Annual Return 2015 rr_AnnualReturn2015 (0.61%)
Annual Return 2016 rr_AnnualReturn2016 7.62%
Annual Return 2017 rr_AnnualReturn2017 16.74%
Annual Return 2018 rr_AnnualReturn2018 (5.27%)
1 Year rr_AverageAnnualReturnYear01 (5.27%)
5 Years rr_AverageAnnualReturnYear05 4.71%
Since Inception rr_AverageAnnualReturnSinceInception 7.90%
Inception Date rr_AverageAnnualReturnInceptionDate Sep. 30, 2009
TIAA-CREF Lifecycle Index 2030 Fund | Retirement Class | After Taxes on Distributions  
Risk/Return: rr_RiskReturnAbstract  
1 Year rr_AverageAnnualReturnYear01 (5.91%)
5 Years rr_AverageAnnualReturnYear05 4.06%
Since Inception rr_AverageAnnualReturnSinceInception 7.34%
TIAA-CREF Lifecycle Index 2030 Fund | Retirement Class | After Taxes on Distributions and Sale of Fund Shares  
Risk/Return: rr_RiskReturnAbstract  
1 Year rr_AverageAnnualReturnYear01 (2.85%)
5 Years rr_AverageAnnualReturnYear05 3.51%
Since Inception rr_AverageAnnualReturnSinceInception 6.28%
[1] Performance is calculated from the inception date of the Retirement Class.
[2] As of the close of business on December 31, 2018, the Lifecycle Index 2030 Fund Composite Index consisted of: 47.9% Russell 3000® Index; 28.8% Bloomberg Barclays U.S. Aggregate Bond Index; 20.5% MSCI EAFE + Emerging Markets Index; 1.4% Bloomberg Barclays U.S. 1-3 Year Government/Credit Bond Index; and 1.4% Bloomberg Barclays U.S. Treasury Inflation Protected Securities (TIPS) 1-10 Year Index. The Fund's composite benchmark, the components that make up a composite benchmark and the method of calculating a composite benchmark's performance may vary over time.
[3] Portions of the Management fees and Other expenses are based on expenses originally incurred by Class W shares of the Underlying Funds (as defined below) of the Trust, which have been incurred directly by the Fund pursuant to certain contractual arrangements intended to reallocate directly to the Fund certain fees and expenses that had been paid by the Underlying Funds of the Trust. For additional information, please see the "Management of the Funds" section of this Prospectus.
[4] Restated to reflect estimates for the current fiscal year.
[5] Advisors has contractually agreed to waive 0.075% of the Fund's Management fee. This waiver will remain in effect through September 30, 2020, unless changed with the approval of the Board of Trustees.
[6] Under the Fund's expense reimbursement arrangements, the Fund's investment adviser, Teachers Advisors, LLC ("Advisors"), has contractually agreed to reimburse the Fund for any Total annual Fund operating expenses (excluding interest, taxes, brokerage commissions or other transactional expenses, Acquired Fund fees and expenses, extraordinary expenses and any expenses originally attributable to Class W shares of the Underlying Funds of the Trust that were incurred directly by the Fund) that exceed: (i) 0.025% of average daily net assets for Institutional Class shares; (ii) 0.175% of average daily net assets for Advisor Class shares; (iii) 0.175% of average daily net assets for Premier Class shares; and (iv) 0.275% of average daily net assets for Retirement Class shares of the Fund. These expense reimbursement arrangements will continue through at least September 30, 2020, unless changed with approval of the Board of Trustees.
[7] The performance shown for the Advisor Class that is prior to its inception date is based on performance of the Fund's Retirement Class. The performance for these periods has not been restated to reflect the lower expenses of the Advisor Class.

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Label Element Value
TIAA-CREF Lifestyle Moderate Fund  
Risk/Return: rr_RiskReturnAbstract  
Risk/Return [Heading] rr_RiskReturnHeading TIAA-CREF Lifestyle Moderate Fund
Objective [Heading] rr_ObjectiveHeading Investment objective
Objective, Primary [Text Block] rr_ObjectivePrimaryTextBlock

The Fund seeks long-term total return, consisting of capital appreciation and current income.

Expense [Heading] rr_ExpenseHeading Fees and expenses
Expense Narrative [Text Block] rr_ExpenseNarrativeTextBlock

This table describes the fees and expenses that you may pay if you buy and hold shares of the Fund. In addition to the fees and expenses described below, investors may be required to pay a commission to a broker-dealer or other financial intermediary on purchases and sales of Institutional Class or Advisor Class shares of the Fund.

Shareholder Fees Caption [Text] rr_ShareholderFeesCaption SHAREHOLDER FEES (fees paid directly from your investment)
Operating Expenses Caption [Text] rr_OperatingExpensesCaption ANNUAL FUND OPERATING EXPENSES (expenses that you pay each year as a percentage of the value of your investment)
Portfolio Turnover [Heading] rr_PortfolioTurnoverHeading Portfolio turnover
Portfolio Turnover [Text Block] rr_PortfolioTurnoverTextBlock

The Fund pays transaction costs, such as commissions, when it buys and sells securities (or “turns over” its portfolio). A higher portfolio turnover rate may indicate higher transaction costs and may result in higher taxes when Fund shares are held in a taxable account. These costs, which are not reflected in annual fund operating expenses or in the example, affect the Fund’s performance. During the fiscal year ended May 31, 2019, the Fund’s portfolio turnover rate was 23% of the average value of its portfolio.

Portfolio Turnover, Rate rr_PortfolioTurnoverRate 23.00%
Expense Example [Heading] rr_ExpenseExampleHeading Example
Expense Example Narrative [Text Block] rr_ExpenseExampleNarrativeTextBlock

This example is intended to help you compare the cost of investing in shares of the Fund with the cost of investing in other mutual funds. The example assumes that you invest $10,000 in the Fund for the time periods indicated and then redeem all your shares at the end of those periods. The example also assumes that your investment has a 5% return each year and that the Fund’s operating expenses, before fee waivers and/or expense reimbursements, remain the same. The example assumes that the Fund’s fee waiver and/or expense reimbursement arrangements will each remain in place for the duration noted in the table above. Although your actual costs may be higher or lower, based on these assumptions your costs would be:

Strategy [Heading] rr_StrategyHeading Principal investment strategies
Strategy Narrative [Text Block] rr_StrategyNarrativeTextBlock

The Fund is a “fund of funds” that invests in Institutional Class shares of other funds of the Trust and potentially in other investment pools or investment products, including other funds advised by the Fund’s investment adviser, Teachers Advisors, LLC (“Advisors”), or its affiliates (collectively, the “Underlying Funds”). The Fund is designed for investors seeking long-term total return, consisting of capital appreciation and current income, through a relatively stable asset allocation strategy targeting a moderate risk-return profile. Advisors generally seeks to meet the Fund’s investment objective by investing: (1) approximately 60% of the Fund’s assets in equity Underlying Funds and (2) approximately 40% of the Fund’s assets in fixed-income Underlying Funds. The Fund may deviate from these target allocations by up to ten percentage points depending upon current market conditions and outlook.


The Underlying Funds’ allocation targets generally represent targets for investments in equity and fixed-income asset classes. Within the equity and fixed-income asset classes, Advisors allocates the Fund’s investments to particular market sectors (which may include U.S. equity, international equity, fixed-income and short-term fixed-income) represented by various Underlying Funds. To maintain an appropriate allocation among the Underlying Funds, the portfolio managers monitor the domestic and foreign equity markets, as well as overall financial and economic conditions. The Fund may sometimes be more heavily weighted toward equities or fixed-income than the target allocations, if the portfolio managers believe market conditions warrant. For example, the Fund may increase its holdings in fixed-income Underlying Funds in periods when the portfolio managers believe the equity markets will decline. The market sector allocations and Underlying Fund allocations may also be changed over time by the portfolio managers, including the addition and removal of market sectors and Underlying Funds in which the Fund invests in light of the Fund’s desired level of risk and potential return at a particular time as evaluated by the portfolio managers based on a mix of qualitative and quantitative factors. The portfolio managers may also opportunistically purchase other Funds or other investment pools or investment products, based on the portfolio managers’ evaluation of the market sectors and/or Underlying Funds without prior notice to shareholders. If 10% or more of the Fund’s assets are expected to be invested in any Underlying Fund, market sector or asset class not listed in the chart below, shareholders will receive prior notice of such change.


As a result of its investments in the Underlying Funds, the Fund’s returns will reflect investments in a mix of domestic and foreign equities of companies of various sizes and a variety of domestic and foreign fixed-income instruments of private and governmental issuers of varying maturities and credit qualities.


As part of the Fund’s ability to invest in unaffiliated investment products or pools noted above, the Fund may invest in exchange-traded funds (“ETFs”) and exchange-traded notes (“ETNs”) to gain exposure to various market sectors or securities in order to effect its asset allocation strategy. Additionally, the Fund may use ETFs and ETNs for cash management, hedging or defensive purposes. ETFs and ETNs will be subject to the risks associated with the types of securities or sectors that they track, while ETNs, which are structured as fixed-income obligations, will also be subject to the general risks of fixed-income securities, including credit risk.


The Fund’s asset class allocations, market sector allocations within each asset class, and Underlying Fund allocations within each market sector as of June 30, 2019, are listed in the chart below. These allocations may change over time. Underlying Fund allocations in particular may change from year to year.


        

Asset Class

Allocation

  

Market Sector

Allocation

 

Underlying Funds

Allocation

Equity

60.66%

 

U.S. Equity

43.54%

 

Ÿ Large-Cap Growth Fund

10.74%

      

Ÿ Large-Cap Value Fund

10.40%

      

Ÿ Growth & Income Fund

9.52%

      

Ÿ Quant Large-Cap Growth Fund

6.02%

      

Ÿ Quant Large-Cap Value Fund

2.90%

      

Ÿ Quant Small-Cap Equity Fund

2.13%

      

Ÿ Quant Small/Mid-Cap Equity Fund

1.83%

   

International Equity

17.12%

 

Ÿ International Equity Fund

4.72%

      

Ÿ International Opportunities Fund

3.92%

      

Ÿ Emerging Markets Equity Fund

3.10%

      

Ÿ Quant International Equity Fund

2.97%

      

Ÿ Quant International Small-Cap Equity Fund

2.41%

Fixed-Income

39.34%

 

Fixed-Income

39.34%

 

Ÿ Bond Plus Fund

39.34%


        

Total

100.00%

  

100.00%

  

100.00%

Risk [Heading] rr_RiskHeading Principal investment risks
Risk Narrative [Text Block] rr_RiskNarrativeTextBlock

You could lose money over short or long periods by investing in this Fund. An investment in the Fund, due to the nature of the Fund’s portfolio holdings, typically is subject to the following principal investment risks:


· Asset Allocation Risk—The risk that the Fund may not achieve its target allocations. In addition, there is the risk that the asset allocations may not achieve the desired risk-return characteristic or that the selection of Underlying Funds and the allocations among them will result in the Fund underperforming other similar funds or cause an investor to lose money.


· Underlying Funds Risks—The Fund is exposed to the risks of the Underlying Funds in which it invests in direct proportion to the amount of assets the Fund allocates to each Underlying Fund.


· Equity Underlying Funds Risks—The risks of investing in equity Underlying Funds include risks specific to their investment strategies, as well as risks related to the equity markets in general, such as:


· market risk—The risk that the price of equity investments may decline in response to general market and economic conditions or events, including conditions and developments outside of the financial markets;


· issuer risk—The risk that an issuer’s earnings prospects and overall financial position will deteriorate, causing a decline in the value of the issuer’s financial instruments over short or extended periods of time; and


· foreign investment risk—The increased risks of adverse issuer, political, regulatory, currency, market or economic developments compared to investments in U.S. issuers, which can result in greater market and price volatility.


· Fixed-Income Underlying Funds Risks—The risks of investing in fixed-income Underlying Funds include risks specific to their investment strategies, as well as risks related to the fixed-income markets in general, such as:


· interest rate risk—The risk that the value or yield of fixed-income investments may decline if interest rates change, which could adversely affect a Fund’s income or the value of its holdings;


· extension risk—The risk that during periods of rising interest rates, borrowers may pay off their mortgage loans later than expected, preventing a Fund from reinvesting principal proceeds at higher interest rates and resulting in less income than potentially available;


· issuer risk—The risk that an issuer’s earnings prospects and overall financial position will deteriorate, causing a decline in the value of the issuer’s financial instruments over short or extended periods of time;


· credit risk—The risk that a decline in an issuer’s financial position may prevent it from making principal and interest payments on fixed-income investments held by a Fund when due;


· credit spread risk—The risk that credit spreads (i.e., the difference in yield between securities that is due to differences in each security’s respective credit quality) may increase when market participants believe that bonds generally have a greater risk of default, which could result in a decline in the market values of a Fund’s debt securities;


· income volatility risk—The risk that the level of current income from a Fund’s portfolio of fixed-income securities may decline due to rapid and unpredictable changes in prevailing market interest rates; and


· call risk—The risk that, during periods of falling interest rates, an issuer may call (or repay) a fixed-income security prior to maturity, resulting in a decline in a Fund’s income.


· Active Management Risk—The risk that the strategy, investment selection or trading execution of Advisors could cause the Fund or an Underlying Fund to underperform its benchmark index or mutual funds with similar investment objectives.


· Fund of Funds Risk—The ability of the Fund to achieve its investment objective will depend in part upon the ability of the Underlying Funds to achieve their investment objectives. There can be no guarantee that any Underlying Fund will achieve its investment objective.


There can be no assurances that the Fund will achieve its investment objective. You should not consider the Fund to be a complete investment program. Please see the non-summary portion of the Prospectus for more detailed information about the risks described above, including the risks of the Underlying Funds.

Risk Lose Money [Text] rr_RiskLoseMoney You could lose money over short or long periods by investing in this Fund.
Bar Chart and Performance Table [Heading] rr_BarChartAndPerformanceTableHeading Past performance
Performance Narrative [Text Block] rr_PerformanceNarrativeTextBlock

The following chart and table help illustrate some of the risks of investing in the Fund by showing changes in the Fund’s performance from year to year. The bar chart shows the annual total returns of the Institutional Class of the Fund, before taxes, in each full calendar year since inception of the Institutional Class. Because the expenses vary across share classes, the performance of the Institutional Class may vary from the other share classes. Below the bar chart are the best and worst returns of the Institutional Class for a calendar quarter during the full calendar-year periods covered by the bar chart. The performance table following the bar chart shows the Fund’s average annual total returns for the Institutional, Advisor, Premier, Retirement and Retail classes over the applicable one-year, five-year, ten-year and since-inception periods ended December 31, 2018, and how those returns compare to those of a broad-based securities market index and a composite index based on the Fund’s target allocations. After-tax performance is shown only for the Institutional Class shares, and after-tax returns for the other classes of shares will vary from the after-tax returns presented for Institutional Class shares.


The returns shown below reflect previous agreements by Advisors to waive or reimburse the Fund and certain Underlying Funds for certain fees and expenses. Without these waivers and reimbursements, the returns of the Fund would have been lower. Past performance of the Fund (before and after taxes) is not necessarily an indication of how it will perform in the future. The indices listed below are unmanaged, and you cannot invest directly in an index. The returns for the indices reflect no deduction for fees, expenses or taxes.


For current performance information of each share class, including performance to the most recent month-end, please visit www.tiaa.org.

Performance Information Illustrates Variability of Returns [Text] rr_PerformanceInformationIllustratesVariabilityOfReturns The following chart and table help illustrate some of the risks of investing in the Fund by showing changes in the Fund’s performance from year to year.
Performance Additional Market Index [Text] rr_PerformanceAdditionalMarketIndex As of the close of business on December 31, 2018, the Lifestyle Moderate Fund Composite Index consisted of: 42.0% Russell 3000® Index; 40.0% Bloomberg Barclays U.S. Aggregate Bond Index; and 18.0% MSCI All Country World Index ex USA Investable Market Index. The Fund’s composite benchmark, the components that make up a composite benchmark and the method of calculating a composite benchmark’s performance may vary over time.
Performance Availability Website Address [Text] rr_PerformanceAvailabilityWebSiteAddress www.tiaa.org
Performance Past Does Not Indicate Future [Text] rr_PerformancePastDoesNotIndicateFuture Past performance of the Fund (before and after taxes) is not necessarily an indication of how it will perform in the future.
Bar Chart [Heading] rr_BarChartHeading ANNUAL TOTAL RETURNS FOR THE INSTITUTIONAL CLASS SHARES (%)† Lifestyle Moderate Fund
Bar Chart Footnotes [Text Block] rr_BarChartFootnotesTextBlock

 The year-to-date return as of the most recent calendar quarter, which ended on June 30, 2019, was 13.34%.

Bar Chart Closing [Text Block] rr_BarChartClosingTextBlock

Best quarter: 9.36%, for the quarter ended March 31, 2012. Worst quarter: -9.55%, for the quarter ended December 31, 2018.

Year to Date Return, Label rr_YearToDateReturnLabel The year-to-date return as of the most recent calendar quarter, which ended on June 30, 2019, was
Bar Chart, Year to Date Return, Date rr_BarChartYearToDateReturnDate Jun. 30, 2019
Bar Chart, Year to Date Return rr_BarChartYearToDateReturn 13.34%
Highest Quarterly Return, Label rr_HighestQuarterlyReturnLabel Best quarter:
Highest Quarterly Return, Date rr_BarChartHighestQuarterlyReturnDate Mar. 31, 2012
Highest Quarterly Return rr_BarChartHighestQuarterlyReturn 9.36%
Lowest Quarterly Return, Label rr_LowestQuarterlyReturnLabel Worst quarter:
Lowest Quarterly Return, Date rr_BarChartLowestQuarterlyReturnDate Dec. 31, 2018
Lowest Quarterly Return rr_BarChartLowestQuarterlyReturn (9.55%)
Index No Deduction for Fees, Expenses, Taxes [Text] rr_IndexNoDeductionForFeesExpensesTaxes (reflects no deductions for fees, expenses or taxes)
Performance Table Uses Highest Federal Rate rr_PerformanceTableUsesHighestFederalRate After-tax returns are calculated using the historical highest individual federal marginal income tax rates in effect during the periods shown and do not reflect the impact of state and local taxes.
Performance Table Not Relevant to Tax Deferred rr_PerformanceTableNotRelevantToTaxDeferred The after-tax returns shown are not relevant to investors who hold their Fund shares through tax-deferred arrangements such as 401(a), 401(k) or 403(b) plans or Individual Retirement Accounts (IRAs).
Performance Table One Class of after Tax Shown [Text] rr_PerformanceTableOneClassOfAfterTaxShown After-tax performance is shown only for the Institutional Class shares, and after-tax returns for the other classes of shares will vary from the after-tax returns presented for Institutional Class shares.
Performance Table Closing [Text Block] rr_PerformanceTableClosingTextBlock

Current performance of the Fund’s shares may be higher or lower than that shown above.


After-tax returns are calculated using the historical highest individual federal marginal income tax rates in effect during the periods shown and do not reflect the impact of state and local taxes. Actual after-tax returns depend on the investor’s tax situation and may differ from those shown. The after-tax returns shown are not relevant to investors who hold their Fund shares through tax-deferred arrangements such as 401(a), 401(k) or 403(b) plans or Individual Retirement Accounts (IRAs). After-tax returns are shown for only one class, and after-tax returns for other classes will vary.

Average Annual Return, Caption rr_AverageAnnualReturnCaption AVERAGE ANNUAL TOTAL RETURNS For the Periods Ended December 31, 2018
TIAA-CREF Lifestyle Moderate Fund | Morningstar Moderate Target Risk Index (reflects no deductions for fees, expenses or taxes)  
Risk/Return: rr_RiskReturnAbstract  
1 Year rr_AverageAnnualReturnYear01 (4.76%)
5 Years rr_AverageAnnualReturnYear05 4.08%
Since Inception rr_AverageAnnualReturnSinceInception 6.57% [1]
TIAA-CREF Lifestyle Moderate Fund | Lifestyle Moderate Fund Composite Index (reflects no deductions for fees, expenses or taxes)  
Risk/Return: rr_RiskReturnAbstract  
1 Year rr_AverageAnnualReturnYear01 (4.69%) [2]
5 Years rr_AverageAnnualReturnYear05 4.61% [2]
Since Inception rr_AverageAnnualReturnSinceInception 7.01% [1],[2]
TIAA-CREF Lifestyle Moderate Fund | Institutional Class  
Risk/Return: rr_RiskReturnAbstract  
Maximum sales charge imposed on purchases (percentage of offering price) rr_MaximumSalesChargeImposedOnPurchasesOverOfferingPrice none
Maximum deferred sales charge rr_MaximumDeferredSalesChargeOverOfferingPrice none
Maximum sales charge imposed on reinvested dividends and other distributions rr_MaximumSalesChargeOnReinvestedDividendsAndDistributionsOverOther none
Redemption or exchange fee rr_RedemptionFeeOverRedemption none
Account maintenance fee (annual fee on accounts under $2,000) rr_ShareholderFeeOther none
Management fees rr_ManagementFeesOverAssets 0.10%
Other expenses rr_OtherExpensesOverAssets 0.07%
Acquired Fund fees and expenses rr_AcquiredFundFeesAndExpensesOverAssets 0.40% [3]
Total annual Fund operating expenses rr_ExpensesOverAssets 0.57%
Waivers and expense reimbursements rr_FeeWaiverOrReimbursementOverAssets (0.07%) [4]
Total annual Fund operating expenses after fee waiver and/or expense reimbursement rr_NetExpensesOverAssets 0.50%
Expense Example, with Redemption, 1 Year rr_ExpenseExampleYear01 $ 51
Expense Example, with Redemption, 3 Years rr_ExpenseExampleYear03 176
Expense Example, with Redemption, 5 Years rr_ExpenseExampleYear05 311
Expense Example, with Redemption, 10 Years rr_ExpenseExampleYear10 $ 707
Annual Return 2012 rr_AnnualReturn2012 15.12%
Annual Return 2013 rr_AnnualReturn2013 16.84%
Annual Return 2014 rr_AnnualReturn2014 4.98%
Annual Return 2015 rr_AnnualReturn2015 0.46%
Annual Return 2016 rr_AnnualReturn2016 6.59%
Annual Return 2017 rr_AnnualReturn2017 17.00%
Annual Return 2018 rr_AnnualReturn2018 (6.95%)
1 Year rr_AverageAnnualReturnYear01 (6.95%)
5 Years rr_AverageAnnualReturnYear05 4.12%
Since Inception rr_AverageAnnualReturnSinceInception 7.28%
Inception Date rr_AverageAnnualReturnInceptionDate Dec. 09, 2011
TIAA-CREF Lifestyle Moderate Fund | Institutional Class | After Taxes on Distributions  
Risk/Return: rr_RiskReturnAbstract  
1 Year rr_AverageAnnualReturnYear01 (8.19%)
5 Years rr_AverageAnnualReturnYear05 2.79%
Since Inception rr_AverageAnnualReturnSinceInception 6.01%
TIAA-CREF Lifestyle Moderate Fund | Institutional Class | After Taxes on Distributions and Sale of Fund Shares  
Risk/Return: rr_RiskReturnAbstract  
1 Year rr_AverageAnnualReturnYear01 (3.58%)
5 Years rr_AverageAnnualReturnYear05 2.83%
Since Inception rr_AverageAnnualReturnSinceInception 5.40%
TIAA-CREF Lifestyle Moderate Fund | Advisor Class  
Risk/Return: rr_RiskReturnAbstract  
Maximum sales charge imposed on purchases (percentage of offering price) rr_MaximumSalesChargeImposedOnPurchasesOverOfferingPrice none
Maximum deferred sales charge rr_MaximumDeferredSalesChargeOverOfferingPrice none
Maximum sales charge imposed on reinvested dividends and other distributions rr_MaximumSalesChargeOnReinvestedDividendsAndDistributionsOverOther none
Redemption or exchange fee rr_RedemptionFeeOverRedemption none
Account maintenance fee (annual fee on accounts under $2,000) rr_ShareholderFeeOther none
Management fees rr_ManagementFeesOverAssets 0.10%
Other expenses rr_OtherExpensesOverAssets 0.15% [5]
Acquired Fund fees and expenses rr_AcquiredFundFeesAndExpensesOverAssets 0.40% [3]
Total annual Fund operating expenses rr_ExpensesOverAssets 0.65%
Waivers and expense reimbursements rr_FeeWaiverOrReimbursementOverAssets (0.07%) [4]
Total annual Fund operating expenses after fee waiver and/or expense reimbursement rr_NetExpensesOverAssets 0.58%
Expense Example, with Redemption, 1 Year rr_ExpenseExampleYear01 $ 59
Expense Example, with Redemption, 3 Years rr_ExpenseExampleYear03 201
Expense Example, with Redemption, 5 Years rr_ExpenseExampleYear05 355
Expense Example, with Redemption, 10 Years rr_ExpenseExampleYear10 $ 804
1 Year rr_AverageAnnualReturnYear01 (7.00%)
5 Years rr_AverageAnnualReturnYear05 4.08% [6]
Since Inception rr_AverageAnnualReturnSinceInception 7.25% [6]
Inception Date rr_AverageAnnualReturnInceptionDate Dec. 04, 2015
TIAA-CREF Lifestyle Moderate Fund | Premier Class  
Risk/Return: rr_RiskReturnAbstract  
Maximum sales charge imposed on purchases (percentage of offering price) rr_MaximumSalesChargeImposedOnPurchasesOverOfferingPrice none
Maximum deferred sales charge rr_MaximumDeferredSalesChargeOverOfferingPrice none
Maximum sales charge imposed on reinvested dividends and other distributions rr_MaximumSalesChargeOnReinvestedDividendsAndDistributionsOverOther none
Redemption or exchange fee rr_RedemptionFeeOverRedemption none
Account maintenance fee (annual fee on accounts under $2,000) rr_ShareholderFeeOther none
Management fees rr_ManagementFeesOverAssets 0.10%
Distribution (Rule 12b-1) fees rr_DistributionAndService12b1FeesOverAssets 0.15%
Other expenses rr_OtherExpensesOverAssets 0.07%
Acquired Fund fees and expenses rr_AcquiredFundFeesAndExpensesOverAssets 0.40% [3]
Total annual Fund operating expenses rr_ExpensesOverAssets 0.72%
Waivers and expense reimbursements rr_FeeWaiverOrReimbursementOverAssets (0.07%) [4]
Total annual Fund operating expenses after fee waiver and/or expense reimbursement rr_NetExpensesOverAssets 0.65%
Expense Example, with Redemption, 1 Year rr_ExpenseExampleYear01 $ 66
Expense Example, with Redemption, 3 Years rr_ExpenseExampleYear03 223
Expense Example, with Redemption, 5 Years rr_ExpenseExampleYear05 394
Expense Example, with Redemption, 10 Years rr_ExpenseExampleYear10 $ 888
1 Year rr_AverageAnnualReturnYear01 (7.12%)
5 Years rr_AverageAnnualReturnYear05 3.99%
Since Inception rr_AverageAnnualReturnSinceInception 7.13%
Inception Date rr_AverageAnnualReturnInceptionDate Dec. 09, 2011
TIAA-CREF Lifestyle Moderate Fund | Retirement Class  
Risk/Return: rr_RiskReturnAbstract  
Maximum sales charge imposed on purchases (percentage of offering price) rr_MaximumSalesChargeImposedOnPurchasesOverOfferingPrice none
Maximum deferred sales charge rr_MaximumDeferredSalesChargeOverOfferingPrice none
Maximum sales charge imposed on reinvested dividends and other distributions rr_MaximumSalesChargeOnReinvestedDividendsAndDistributionsOverOther none
Redemption or exchange fee rr_RedemptionFeeOverRedemption none
Account maintenance fee (annual fee on accounts under $2,000) rr_ShareholderFeeOther none
Management fees rr_ManagementFeesOverAssets 0.10%
Other expenses rr_OtherExpensesOverAssets 0.32%
Acquired Fund fees and expenses rr_AcquiredFundFeesAndExpensesOverAssets 0.40% [3]
Total annual Fund operating expenses rr_ExpensesOverAssets 0.82%
Waivers and expense reimbursements rr_FeeWaiverOrReimbursementOverAssets (0.07%) [4]
Total annual Fund operating expenses after fee waiver and/or expense reimbursement rr_NetExpensesOverAssets 0.75%
Expense Example, with Redemption, 1 Year rr_ExpenseExampleYear01 $ 77
Expense Example, with Redemption, 3 Years rr_ExpenseExampleYear03 255
Expense Example, with Redemption, 5 Years rr_ExpenseExampleYear05 448
Expense Example, with Redemption, 10 Years rr_ExpenseExampleYear10 $ 1,007
1 Year rr_AverageAnnualReturnYear01 (7.19%)
5 Years rr_AverageAnnualReturnYear05 3.87%
Since Inception rr_AverageAnnualReturnSinceInception 7.02%
Inception Date rr_AverageAnnualReturnInceptionDate Dec. 09, 2011
TIAA-CREF Lifestyle Moderate Fund | Retail Class  
Risk/Return: rr_RiskReturnAbstract  
Maximum sales charge imposed on purchases (percentage of offering price) rr_MaximumSalesChargeImposedOnPurchasesOverOfferingPrice none
Maximum deferred sales charge rr_MaximumDeferredSalesChargeOverOfferingPrice none
Maximum sales charge imposed on reinvested dividends and other distributions rr_MaximumSalesChargeOnReinvestedDividendsAndDistributionsOverOther none
Redemption or exchange fee rr_RedemptionFeeOverRedemption none
Account maintenance fee (annual fee on accounts under $2,000) rr_ShareholderFeeOther $ 15.00
Management fees rr_ManagementFeesOverAssets 0.10%
Distribution (Rule 12b-1) fees rr_DistributionAndService12b1FeesOverAssets 0.25%
Other expenses rr_OtherExpensesOverAssets 0.08%
Acquired Fund fees and expenses rr_AcquiredFundFeesAndExpensesOverAssets 0.40% [3]
Total annual Fund operating expenses rr_ExpensesOverAssets 0.83%
Waivers and expense reimbursements rr_FeeWaiverOrReimbursementOverAssets (0.06%) [4]
Total annual Fund operating expenses after fee waiver and/or expense reimbursement rr_NetExpensesOverAssets 0.77%
Expense Example, with Redemption, 1 Year rr_ExpenseExampleYear01 $ 79
Expense Example, with Redemption, 3 Years rr_ExpenseExampleYear03 259
Expense Example, with Redemption, 5 Years rr_ExpenseExampleYear05 455
Expense Example, with Redemption, 10 Years rr_ExpenseExampleYear10 $ 1,020
1 Year rr_AverageAnnualReturnYear01 (7.28%)
5 Years rr_AverageAnnualReturnYear05 3.83%
Since Inception rr_AverageAnnualReturnSinceInception 6.97%
Inception Date rr_AverageAnnualReturnInceptionDate Dec. 09, 2011
[1] Performance is calculated from the inception date of the Institutional Class.
[2] As of the close of business on December 31, 2018, the Lifestyle Moderate Fund Composite Index consisted of: 42.0% Russell 3000® Index; 40.0% Bloomberg Barclays U.S. Aggregate Bond Index; and 18.0% MSCI All Country World Index ex USA Investable Market Index. The Fund's composite benchmark, the components that make up a composite benchmark and the method of calculating a composite benchmark's performance may vary over time.
[3] "Acquired Fund fees and expenses" are the Fund's proportionate amount of the expenses of any investment companies or pools in which it invests. These expenses are not paid directly by Fund shareholders. Instead, Fund shareholders bear these expenses indirectly because they reduce Fund performance. Because "Acquired Fund fees and expenses" are included in the chart above, the Fund's operating expenses here will not correlate with the expenses included in the Financial highlights in this Prospectus and the Fund's annual report.
[4] Under the Fund's expense reimbursement arrangements, the Fund's investment adviser, Teachers Advisors, LLC ("Advisors"), has contractually agreed to reimburse the Fund for any Total annual Fund operating expenses (excluding interest, taxes, brokerage commissions or other transactional expenses, Acquired Fund fees and expenses and extraordinary expenses) that exceed: (i) 0.10% of average daily net assets for Institutional Class shares; (ii) 0.25% of average daily net assets for Advisor Class shares; (iii) 0.25% of average daily net assets for Premier Class shares; (iv) 0.35% of average daily net assets for Retirement Class shares; and (v) 0.49% of average daily net assets for Retail Class shares of the Fund. These expense reimbursement arrangements will continue through at least September 30, 2020, unless changed with approval of the Board of Trustees.
[5] Restated to reflect estimate for the current fiscal year.
[6] The performance shown for the Advisor Class that is prior to its inception date is based on performance of the Fund's Institutional Class. The performance for these periods has not been restated to reflect higher expenses of the Advisor Class. If those expenses had been reflected, the performance would have been lower.

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Label Element Value
TIAA-CREF Lifecycle Index 2040 Fund  
Risk/Return: rr_RiskReturnAbstract  
Risk/Return [Heading] rr_RiskReturnHeading TIAA-CREF Lifecycle Index 2040 Fund
Objective [Heading] rr_ObjectiveHeading Investment objective
Objective, Primary [Text Block] rr_ObjectivePrimaryTextBlock

The Lifecycle Index 2040 Fund seeks high total return over time through a combination of capital appreciation and income.

Expense [Heading] rr_ExpenseHeading Fees and expenses
Expense Narrative [Text Block] rr_ExpenseNarrativeTextBlock

This table describes the fees and expenses that you may pay if you buy and hold shares of the Fund. In addition to the fees and expenses described below, investors may be required to pay a commission to a broker-dealer or other financial intermediary on purchases and sales of Institutional Class or Advisor Class shares of the Fund.

Shareholder Fees Caption [Text] rr_ShareholderFeesCaption SHAREHOLDER FEES (fees paid directly from your investment)
Operating Expenses Caption [Text] rr_OperatingExpensesCaption ANNUAL FUND OPERATING EXPENSES (expenses that you pay each year as a percentage of the value of your investment)
Portfolio Turnover [Heading] rr_PortfolioTurnoverHeading Portfolio turnover
Portfolio Turnover [Text Block] rr_PortfolioTurnoverTextBlock

The Fund pays transaction costs, such as commissions, when it buys and sells securities (or “turns over” its portfolio). A higher portfolio turnover rate may indicate higher transaction costs and may result in higher taxes when Fund shares are held in a taxable account. These costs, which are not reflected in annual fund operating expenses or in the example, affect the Fund’s performance. During the fiscal year ended May 31, 2019, the Fund’s portfolio turnover rate was 6% of the average value of its portfolio.

Portfolio Turnover, Rate rr_PortfolioTurnoverRate 6.00%
Expenses Restated to Reflect Current [Text] rr_ExpensesRestatedToReflectCurrent Restated to reflect estimates for the current fiscal year.
Expense Example [Heading] rr_ExpenseExampleHeading Example
Expense Example Narrative [Text Block] rr_ExpenseExampleNarrativeTextBlock

This example is intended to help you compare the cost of investing in shares of the Fund with the cost of investing in other mutual funds. The example assumes that you invest $10,000 in the Fund for the time periods indicated and then redeem all your shares at the end of those periods. The example also assumes that your investment has a 5% return each year and that the Fund’s operating expenses, before fee waivers and/or expense reimbursements, remain the same. The example assumes that the Fund’s fee waiver and/or expense reimbursement arrangements will each remain in place for the durations noted in the table above. Although your actual costs may be higher or lower, based on these assumptions your costs would be:

Strategy [Heading] rr_StrategyHeading Principal investment strategies
Strategy Narrative [Text Block] rr_StrategyNarrativeTextBlock

The Fund is a “fund of funds” that invests in Class W shares of other funds of the Trust and potentially in other investment pools or investment products, including other funds advised by the Fund’s investment adviser, Teachers Advisors, LLC (“Advisors”), or its affiliates (collectively, the “Underlying Funds”). In general, the Fund is designed for investors who have an approximate target retirement year in mind, and the Fund’s investments are adjusted from more aggressive to more conservative over time as the Fund’s target retirement year approaches and for approximately 30 years afterwards. The Fund invests in Underlying Funds according to an asset allocation strategy designed for investors retiring in, or planning to retire within a few years of, 2040 and who may begin taking systematic withdrawals upon retirement. The Fund has a policy of investing at least 80% of its assets (net assets, plus the amount of any borrowings for investment purposes) in Underlying Funds that are managed to seek investment returns that track particular market indices.


Advisors currently expects to allocate approximately 82.00% of the Fund’s assets to equity Underlying Funds and 18.00% of its assets to fixed-income Underlying Funds. These allocations represent targets for equity and fixed-income asset classes. Target allocations will change over time and actual allocations may vary up to ten percentage points from the targets. The target allocations along the investment glidepath, illustrated in the chart below, gradually become more conservative, moving to target allocations of approximately 50.00% equity/50.00% fixed-income in the Fund’s target retirement year of 2040 and reaching the Fund’s final target allocation of approximately 20.00% equity/80.00% fixed-income in 2070. Within the equity and fixed-income asset classes, Advisors allocates the Fund’s investments to particular market sectors (U.S. equity, international equity, fixed-income, short-term fixed-income and inflation-protected assets) represented by various Underlying Funds. These market sector allocations may vary by up to 10% from the Fund’s target market sector allocations. The Fund’s current target market sector allocations for June 30, 2020, which will change over time, are approximately as follows: U.S. Equity: 57.40%; International Equity: 24.60%; Fixed-Income: 18.00%; Short-Term Fixed-Income: 0.00%; and Inflation-Protected Assets: 0.00%. The asset class and market sector names used herein are intended to reflect the primary type of investment of the Underlying Funds within each of these categories.


The Fund’s target market sector allocations to Underlying Funds may include the TIAA-CREF Equity Index Fund (U.S. Equity); Emerging Markets Equity Index Fund and International Equity Index Fund (International Equity); Bond Index Fund (Fixed-Income); Short-Term Bond Index Fund (Short-Term Fixed-Income); and Inflation-Linked Bond Fund (Inflation-Protected Assets).


Additional or replacement Underlying Funds for each market sector, as well as additional or replacement market sectors, may be included when making future allocations if Advisors believes that such Underlying Funds and/or market sectors are appropriate in light of the Fund’s desired levels of risk and potential return at the particular time. The Fund’s portfolio management team may also add a new market sector if it believes that will help to achieve the Fund’s investment objective. The relative allocations among Underlying Funds within a market sector may be changed at any time without notice to shareholders. If 10% or more of the Fund’s assets are expected to be invested in any Underlying Fund or market sector not listed above, shareholders will receive prior notice of such change.


The Fund’s asset class allocations, market sector allocations within each asset class, and Underlying Fund allocations within each market sector, as of June 30, 2019, are listed in the chart below. These allocations will change over time. Underlying Fund allocations in particular may change from year to year.


        

Asset Class

Allocation

  

Market Sector

Allocation

 

Underlying Funds

Allocation

Equity

84.01%

 

U.S. Equity

58.92%

 

Ÿ Equity Index Fund

58.92%

   

International Equity

25.09%

 

Ÿ International Equity Index Fund

17.99%

      

Ÿ Emerging Markets Equity Index Fund

7.10%

Fixed-Income

15.99%

 

Fixed-Income

15.99%

 

Ÿ Bond Index Fund

15.99%


        

Total

100.00%

  

100.00%

  

100.00%


The following chart shows how the investment glidepath for the Fund is expected to gradually move the Fund’s target allocations over time between the different target market sector allocations. The actual market sector allocations of the Fund may differ from this chart. The Fund seeks to achieve its final target market sector allocations approximately 30 years following the target date.


Lifecycle Index Funds Glidepath as of June 30, 2020
Years to Target Retirement Date US Equities International Equities Fixed Income Short Term Fixed Income Inflation Protected Bonds
45 66.50% 28.50% 5.00% 0.00% 0.00%
40 65.62% 28.13% 6.25% 0.00% 0.00%
35 64.75% 27.75% 7.50% 0.00% 0.00%
30 63.87% 27.38% 8.75% 0.00% 0.00%
25 63.00% 27.00% 10.00% 0.00% 0.00%
20 57.40% 24.60% 18.00% 0.00% 0.00%
15 51.80% 22.20% 26.00% 0.00% 0.00%
10 46.20% 19.80% 30.00% 2.00% 2.00%
5 40.60% 17.40% 34.00% 4.00% 4.00%
0 35.00% 15.00% 38.00% 6.00% 6.00%
-5 31.50% 13.50% 39.00% 8.00% 8.00%
-10 28.00% 12.00% 40.00% 10.00% 10.00%
-15 24.50% 10.50% 40.00% 15.00% 10.00%
-20 21.00% 9.00% 40.00% 20.00% 10.00%
-25 17.50% 7.50% 40.00% 25.00% 10.00%
-30 14.00% 6.00% 40.00% 30.00% 10.00%

The Fund is designed to accommodate investors who invest in a fund up to their target retirement date, and plan to make gradual systematic withdrawals in retirement. In addition, investors should note that the Fund will continue to have a significant level of equity exposure up to, through and after its target retirement date, and this exposure could cause significant fluctuations in the value of the Fund depending on the performance of the equity markets generally.


After the Fund reaches its final target allocation, the Board of Trustees may authorize the merger of the Fund into another Lifecycle Index Fund which has also reached its final target allocation or other similar fund designed to maintain a relatively stable asset allocation reflecting the resting point on the glidepath described in the chart above. Fund shareholders will receive prior notice of any such merger.

Risk [Heading] rr_RiskHeading Principal investment risks
Risk Narrative [Text Block] rr_RiskNarrativeTextBlock

You could lose money over short or long periods by investing in this Fund. An investment in the Fund, due to the nature of the Fund’s portfolio holdings, typically is subject to the following principal investment risks:


· Asset Allocation Risk—The risk that the Fund may not achieve its target allocations. In addition, there is the risk that the asset allocations may not achieve the desired risk-return characteristic or that the selection of Underlying Funds and the allocations among them will result in the Fund underperforming other similar funds or cause an investor to lose money.


· Index Risk—The risk that the Fund’s performance may not correspond to its benchmark index for any period of time and may underperform such index or the overall financial market. Additionally, to the extent that the Fund’s investments vary from the composition of its benchmark index, the Fund’s performance could potentially vary from the index’s performance to a greater extent than if the Fund merely attempted to replicate the index.


· Underlying Funds Risks—The Fund is exposed to the risks of the Underlying Funds in which it invests in direct proportion to the amount of assets the Fund allocates to each Underlying Fund.


· Equity Underlying Funds Risks—The risks of investing in equity Underlying Funds include risks specific to their investment strategies, as well as risks related to the equity markets in general, such as:


· market risk—The risk that the price of equity investments may decline in response to general market and economic conditions or events, including conditions and developments outside of the financial markets;


· issuer risk—The risk that an issuer’s earnings prospects and overall financial position will deteriorate, causing a decline in the value of the issuer’s financial instruments over short or extended periods of time; and


· foreign investment risk—The increased risks of adverse issuer, political, regulatory, currency, market or economic developments compared to investments in U.S. issuers, which can result in greater market and price volatility.


· Fixed-Income Underlying Funds Risks—The risks of investing in fixed-income Underlying Funds include risks specific to their investment strategies, as well as risks related to the fixed-income markets in general, such as:


· interest rate risk—The risk that the value or yield of fixed-income investments may decline if interest rates change, which could adversely affect a Fund’s income or the value of its holdings;


· extension risk—The risk that during periods of rising interest rates, borrowers may pay off their mortgage loans later than expected, preventing a Fund from reinvesting principal proceeds at higher interest rates and resulting in less income than potentially available;


· issuer risk—The risk that an issuer’s earnings prospects and overall financial position will deteriorate, causing a decline in the value of the issuer’s financial instruments over short or extended periods of time;


· credit risk—The risk that a decline in an issuer’s financial position may prevent it from making principal and interest payments on fixed-income investments held by a Fund when due;


· credit spread risk—The risk that credit spreads (i.e., the difference in yield between securities that is due to differences in each security’s respective credit quality) may increase when market participants believe that bonds generally have a greater risk of default, which could result in a decline in the market values of a Fund’s debt securities;


· income volatility risk—The risk that the level of current income from a Fund’s portfolio of fixed-income securities may decline due to rapid and unpredictable changes in prevailing market interest rates; and


· call risk—The risk that, during periods of falling interest rates, an issuer may call (or repay) a fixed-income security prior to maturity, resulting in a decline in a Fund’s income.


· Active Management Risk—The risk that the strategy, investment selection or trading execution of Advisors could cause the Fund or an Underlying Fund to underperform its benchmark index or mutual funds with similar investment objectives.


· Fund of Funds Risk—The ability of the Fund to achieve its investment objective will depend in part upon the ability of the Underlying Funds to achieve their investment objectives. There can be no guarantee that any Underlying Fund will achieve its investment objective.


There can be no assurances that the Fund will achieve its investment objective. You should not consider the Fund to be a complete investment program. Please see the non-summary portion of the Prospectus for more detailed information about the risks described above, including the risks of the Underlying Funds.

Risk Lose Money [Text] rr_RiskLoseMoney You could lose money over short or long periods by investing in this Fund.
Bar Chart and Performance Table [Heading] rr_BarChartAndPerformanceTableHeading Past performance
Performance Narrative [Text Block] rr_PerformanceNarrativeTextBlock

The following chart and table help illustrate some of the risks of investing in the Fund by showing changes in the Fund’s performance from year to year. The bar chart shows the annual total returns of the Retirement Class of the Fund, before taxes, in each full calendar year since inception of the Retirement Class. Because the expenses vary across share classes, the performance of the Retirement Class may vary from the other share classes. Below the bar chart are the best and worst returns of the Retirement Class for a calendar quarter during the full calendar-year periods covered by the bar chart. The performance table following the bar chart shows the Fund’s average annual total returns for the Retirement, Institutional, Advisor and Premier classes over the applicable one-year, five-year, ten-year and since-inception periods ended December 31, 2018, and how those returns compare to those of a broad-based securities market index and a composite index based on the Fund’s target allocations. After-tax performance is shown only for the Retirement Class shares, and after-tax returns for the other classes of shares will vary from the after-tax returns presented for Retirement Class shares.


The returns shown below reflect previous agreements by Advisors to waive or reimburse the Fund and certain Underlying Funds for certain fees and expenses. Without these waivers and reimbursements, the returns of the Fund would have been lower. Past performance of the Fund (before and after taxes) is not necessarily an indication of how it will perform in the future. The indices listed below are unmanaged, and you cannot invest directly in an index. The returns for the indices reflect no deduction for fees, expenses or taxes.


For current performance information of each share class, including performance to the most recent month-end, please visit www.tiaa.org.

Performance Information Illustrates Variability of Returns [Text] rr_PerformanceInformationIllustratesVariabilityOfReturns The following chart and table help illustrate some of the risks of investing in the Fund by showing changes in the Fund’s performance from year to year.
Performance Additional Market Index [Text] rr_PerformanceAdditionalMarketIndex As of the close of business on December 31, 2018, the Lifecycle Index 2040 Fund Composite Index consisted of: 59.1% Russell 3000® Index; 25.3% MSCI EAFE + Emerging Markets Index; and 15.6% Bloomberg Barclays U.S. Aggregate Bond Index. The Fund’s composite benchmark, the components that make up a composite benchmark and the method of calculating a composite benchmark’s performance may vary over time.
Performance Availability Website Address [Text] rr_PerformanceAvailabilityWebSiteAddress www.tiaa.org
Performance Past Does Not Indicate Future [Text] rr_PerformancePastDoesNotIndicateFuture Past performance of the Fund (before and after taxes) is not necessarily an indication of how it will perform in the future.
Bar Chart [Heading] rr_BarChartHeading ANNUAL TOTAL RETURNS FOR THE RETIREMENT CLASS SHARES (%)† Lifecycle Index 2040 Fund
Bar Chart Footnotes [Text Block] rr_BarChartFootnotesTextBlock

 The year-to-date return as of the most recent calendar quarter, which ended on June 30, 2019, was 15.08%.

Bar Chart Closing [Text Block] rr_BarChartClosingTextBlock

Best quarter: 11.87%, for the quarter ended September 30, 2010. Worst quarter: -14.82%, for the quarter ended September 30, 2011.

Year to Date Return, Label rr_YearToDateReturnLabel The year-to-date return as of the most recent calendar quarter, which ended on June 30, 2019, was
Bar Chart, Year to Date Return, Date rr_BarChartYearToDateReturnDate Jun. 30, 2019
Bar Chart, Year to Date Return rr_BarChartYearToDateReturn 15.08%
Highest Quarterly Return, Label rr_HighestQuarterlyReturnLabel Best quarter:
Highest Quarterly Return, Date rr_BarChartHighestQuarterlyReturnDate Sep. 30, 2010
Highest Quarterly Return rr_BarChartHighestQuarterlyReturn 11.87%
Lowest Quarterly Return, Label rr_LowestQuarterlyReturnLabel Worst quarter:
Lowest Quarterly Return, Date rr_BarChartLowestQuarterlyReturnDate Sep. 30, 2011
Lowest Quarterly Return rr_BarChartLowestQuarterlyReturn (14.82%)
Index No Deduction for Fees, Expenses, Taxes [Text] rr_IndexNoDeductionForFeesExpensesTaxes (reflects no deductions for fees, expenses or taxes)
Performance Table Uses Highest Federal Rate rr_PerformanceTableUsesHighestFederalRate After-tax returns are calculated using the historical highest individual federal marginal income tax rates in effect during the periods shown and do not reflect the impact of state and local taxes.
Performance Table Not Relevant to Tax Deferred rr_PerformanceTableNotRelevantToTaxDeferred The after-tax returns shown are not relevant to investors who hold their Fund shares through tax-deferred arrangements such as 401(a), 401(k) or 403(b) plans or Individual Retirement Accounts (IRAs).
Performance Table One Class of after Tax Shown [Text] rr_PerformanceTableOneClassOfAfterTaxShown After-tax performance is shown only for the Retirement Class shares, and after-tax returns for the other classes of shares will vary from the after-tax returns presented for Retirement Class shares.
Performance Table Closing [Text Block] rr_PerformanceTableClosingTextBlock

Current performance of the Fund’s shares may be higher or lower than that shown above.


After-tax returns are calculated using the historical highest individual federal marginal income tax rates in effect during the periods shown and do not reflect the impact of state and local taxes. Actual after-tax returns depend on the investor’s tax situation and may differ from those shown. The after-tax returns shown are not relevant to investors who hold their Fund shares through tax-deferred arrangements such as 401(a), 401(k) or 403(b) plans or Individual Retirement Accounts (IRAs). After-tax returns are shown for only one class, and after-tax returns for other classes will vary.

Average Annual Return, Caption rr_AverageAnnualReturnCaption AVERAGE ANNUAL TOTAL RETURNS For the Periods Ended December 31, 2018
TIAA-CREF Lifecycle Index 2040 Fund | S&P Target Date 2040 Index  
Risk/Return: rr_RiskReturnAbstract  
1 Year rr_AverageAnnualReturnYear01 (7.41%)
5 Years rr_AverageAnnualReturnYear05 4.82%
Since Inception rr_AverageAnnualReturnSinceInception 8.31% [1]
TIAA-CREF Lifecycle Index 2040 Fund | Lifecycle Index 2040 Fund Composite Index (reflects no deductions for fees, expenses or taxes)  
Risk/Return: rr_RiskReturnAbstract  
1 Year rr_AverageAnnualReturnYear01 (6.50%) [2]
5 Years rr_AverageAnnualReturnYear05 5.51% [2]
Since Inception rr_AverageAnnualReturnSinceInception 9.06% [1],[2]
TIAA-CREF Lifecycle Index 2040 Fund | Institutional Class  
Risk/Return: rr_RiskReturnAbstract  
Maximum sales charge imposed on purchases (percentage of offering price) rr_MaximumSalesChargeImposedOnPurchasesOverOfferingPrice none
Maximum deferred sales charge rr_MaximumDeferredSalesChargeOverOfferingPrice none
Maximum sales charge imposed on reinvested dividends and other distributions rr_MaximumSalesChargeOnReinvestedDividendsAndDistributionsOverOther none
Redemption or exchange fee rr_RedemptionFeeOverRedemption none
Maximum account fee rr_MaximumAccountFeeOverAssets none
Management fees rr_ManagementFeesOverAssets 0.16% [3],[4]
Other expenses rr_OtherExpensesOverAssets 0.03% [3],[4]
Total annual Fund operating expenses rr_ExpensesOverAssets 0.19%
Waivers and expense reimbursements rr_FeeWaiverOrReimbursementOverAssets (0.09%) [5],[6]
Total annual Fund operating expenses after fee waiver and/or expense reimbursement rr_NetExpensesOverAssets 0.10%
Expense Example, with Redemption, 1 Year rr_ExpenseExampleYear01 $ 10
Expense Example, with Redemption, 3 Years rr_ExpenseExampleYear03 52
Expense Example, with Redemption, 5 Years rr_ExpenseExampleYear05 98
Expense Example, with Redemption, 10 Years rr_ExpenseExampleYear10 $ 234
1 Year rr_AverageAnnualReturnYear01 (6.36%)
5 Years rr_AverageAnnualReturnYear05 5.45%
Since Inception rr_AverageAnnualReturnSinceInception 8.95%
Inception Date rr_AverageAnnualReturnInceptionDate Sep. 30, 2009
TIAA-CREF Lifecycle Index 2040 Fund | Advisor Class  
Risk/Return: rr_RiskReturnAbstract  
Maximum sales charge imposed on purchases (percentage of offering price) rr_MaximumSalesChargeImposedOnPurchasesOverOfferingPrice none
Maximum deferred sales charge rr_MaximumDeferredSalesChargeOverOfferingPrice none
Maximum sales charge imposed on reinvested dividends and other distributions rr_MaximumSalesChargeOnReinvestedDividendsAndDistributionsOverOther none
Redemption or exchange fee rr_RedemptionFeeOverRedemption none
Maximum account fee rr_MaximumAccountFeeOverAssets none
Management fees rr_ManagementFeesOverAssets 0.16% [3],[4]
Other expenses rr_OtherExpensesOverAssets 0.11% [3],[4]
Total annual Fund operating expenses rr_ExpensesOverAssets 0.27%
Waivers and expense reimbursements rr_FeeWaiverOrReimbursementOverAssets (0.09%) [5],[6]
Total annual Fund operating expenses after fee waiver and/or expense reimbursement rr_NetExpensesOverAssets 0.18%
Expense Example, with Redemption, 1 Year rr_ExpenseExampleYear01 $ 18
Expense Example, with Redemption, 3 Years rr_ExpenseExampleYear03 78
Expense Example, with Redemption, 5 Years rr_ExpenseExampleYear05 143
Expense Example, with Redemption, 10 Years rr_ExpenseExampleYear10 $ 334
1 Year rr_AverageAnnualReturnYear01 (6.42%)
5 Years rr_AverageAnnualReturnYear05 5.31% [7]
Since Inception rr_AverageAnnualReturnSinceInception 8.75% [7]
Inception Date rr_AverageAnnualReturnInceptionDate Dec. 04, 2015
TIAA-CREF Lifecycle Index 2040 Fund | Premier Class  
Risk/Return: rr_RiskReturnAbstract  
Maximum sales charge imposed on purchases (percentage of offering price) rr_MaximumSalesChargeImposedOnPurchasesOverOfferingPrice none
Maximum deferred sales charge rr_MaximumDeferredSalesChargeOverOfferingPrice none
Maximum sales charge imposed on reinvested dividends and other distributions rr_MaximumSalesChargeOnReinvestedDividendsAndDistributionsOverOther none
Redemption or exchange fee rr_RedemptionFeeOverRedemption none
Maximum account fee rr_MaximumAccountFeeOverAssets none
Management fees rr_ManagementFeesOverAssets 0.16% [3],[4]
Distribution (Rule 12b-1) fees rr_DistributionAndService12b1FeesOverAssets 0.15%
Other expenses rr_OtherExpensesOverAssets 0.03% [3],[4]
Total annual Fund operating expenses rr_ExpensesOverAssets 0.34%
Waivers and expense reimbursements rr_FeeWaiverOrReimbursementOverAssets (0.09%) [5],[6]
Total annual Fund operating expenses after fee waiver and/or expense reimbursement rr_NetExpensesOverAssets 0.25%
Expense Example, with Redemption, 1 Year rr_ExpenseExampleYear01 $ 26
Expense Example, with Redemption, 3 Years rr_ExpenseExampleYear03 100
Expense Example, with Redemption, 5 Years rr_ExpenseExampleYear05 182
Expense Example, with Redemption, 10 Years rr_ExpenseExampleYear10 $ 422
1 Year rr_AverageAnnualReturnYear01 (6.53%)
5 Years rr_AverageAnnualReturnYear05 5.29%
Since Inception rr_AverageAnnualReturnSinceInception 8.78%
Inception Date rr_AverageAnnualReturnInceptionDate Sep. 30, 2009
TIAA-CREF Lifecycle Index 2040 Fund | Retirement Class  
Risk/Return: rr_RiskReturnAbstract  
Maximum sales charge imposed on purchases (percentage of offering price) rr_MaximumSalesChargeImposedOnPurchasesOverOfferingPrice none
Maximum deferred sales charge rr_MaximumDeferredSalesChargeOverOfferingPrice none
Maximum sales charge imposed on reinvested dividends and other distributions rr_MaximumSalesChargeOnReinvestedDividendsAndDistributionsOverOther none
Redemption or exchange fee rr_RedemptionFeeOverRedemption none
Maximum account fee rr_MaximumAccountFeeOverAssets none
Management fees rr_ManagementFeesOverAssets 0.16% [3],[4]
Other expenses rr_OtherExpensesOverAssets 0.28% [3],[4]
Total annual Fund operating expenses rr_ExpensesOverAssets 0.44%
Waivers and expense reimbursements rr_FeeWaiverOrReimbursementOverAssets (0.09%) [5],[6]
Total annual Fund operating expenses after fee waiver and/or expense reimbursement rr_NetExpensesOverAssets 0.35%
Expense Example, with Redemption, 1 Year rr_ExpenseExampleYear01 $ 36
Expense Example, with Redemption, 3 Years rr_ExpenseExampleYear03 132
Expense Example, with Redemption, 5 Years rr_ExpenseExampleYear05 237
Expense Example, with Redemption, 10 Years rr_ExpenseExampleYear10 $ 546
Annual Return 2010 rr_AnnualReturn2010 13.50%
Annual Return 2011 rr_AnnualReturn2011 (1.70%)
Annual Return 2012 rr_AnnualReturn2012 15.46%
Annual Return 2013 rr_AnnualReturn2013 24.87%
Annual Return 2014 rr_AnnualReturn2014 6.56%
Annual Return 2015 rr_AnnualReturn2015 (0.93%)
Annual Return 2016 rr_AnnualReturn2016 8.74%
Annual Return 2017 rr_AnnualReturn2017 20.08%
Annual Return 2018 rr_AnnualReturn2018 (6.60%)
1 Year rr_AverageAnnualReturnYear01 (6.60%)
5 Years rr_AverageAnnualReturnYear05 5.18%
Since Inception rr_AverageAnnualReturnSinceInception 8.68%
Inception Date rr_AverageAnnualReturnInceptionDate Sep. 30, 2009
TIAA-CREF Lifecycle Index 2040 Fund | Retirement Class | After Taxes on Distributions  
Risk/Return: rr_RiskReturnAbstract  
1 Year rr_AverageAnnualReturnYear01 (7.17%)
5 Years rr_AverageAnnualReturnYear05 4.56%
Since Inception rr_AverageAnnualReturnSinceInception 8.15%
TIAA-CREF Lifecycle Index 2040 Fund | Retirement Class | After Taxes on Distributions and Sale of Fund Shares  
Risk/Return: rr_RiskReturnAbstract  
1 Year rr_AverageAnnualReturnYear01 (3.58%)
5 Years rr_AverageAnnualReturnYear05 3.94%
Since Inception rr_AverageAnnualReturnSinceInception 6.98%
[1] Performance is calculated from the inception date of the Retirement Class.
[2] As of the close of business on December 31, 2018, the Lifecycle Index 2040 Fund Composite Index consisted of: 59.1% Russell 3000® Index; 25.3% MSCI EAFE + Emerging Markets Index; and 15.6% Bloomberg Barclays U.S. Aggregate Bond Index. The Fund's composite benchmark, the components that make up a composite benchmark and the method of calculating a composite benchmark's performance may vary over time.
[3] Portions of the Management fees and Other expenses are based on expenses originally incurred by Class W shares of the Underlying Funds (as defined below) of the Trust, which have been incurred directly by the Fund pursuant to certain contractual arrangements intended to reallocate directly to the Fund certain fees and expenses that had been paid by the Underlying Funds of the Trust. For additional information, please see the "Management of the Funds" section of this Prospectus.
[4] Restated to reflect estimates for the current fiscal year.
[5] Advisors has contractually agreed to waive 0.065% of the Fund's Management fee. This waiver will remain in effect through September 30, 2020, unless changed with the approval of the Board of Trustees.
[6] Under the Fund's expense reimbursement arrangements, the Fund's investment adviser, Teachers Advisors, LLC ("Advisors"), has contractually agreed to reimburse the Fund for any Total annual Fund operating expenses (excluding interest, taxes, brokerage commissions or other transactional expenses, Acquired Fund fees and expenses, extraordinary expenses and any expenses originally attributable to Class W shares of the Underlying Funds of the Trust that were incurred directly by the Fund) that exceed: (i) 0.035% of average daily net assets for Institutional Class shares; (ii) 0.185% of average daily net assets for Advisor Class shares; (iii) 0.185% of average daily net assets for Premier Class shares; and (iv) 0.285% of average daily net assets for Retirement Class shares of the Fund. These expense reimbursement arrangements will continue through at least September 30, 2020, unless changed with approval of the Board of Trustees.
[7] The performance shown for the Advisor Class that is prior to its inception date is based on performance of the Fund's Retirement Class. The performance for these periods has not been restated to reflect the lower expenses of the Advisor Class.