0000930413-23-001845.txt : 20230711 0000930413-23-001845.hdr.sgml : 20230711 20230711080548 ACCESSION NUMBER: 0000930413-23-001845 CONFORMED SUBMISSION TYPE: 497K PUBLIC DOCUMENT COUNT: 2 FILED AS OF DATE: 20230711 DATE AS OF CHANGE: 20230711 EFFECTIVENESS DATE: 20230711 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: 497K SEC ACT: 1933 Act SEC FILE NUMBER: 333-76651 FILM NUMBER: 231081227 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 S000046660 TIAA-CREF Emerging Markets Debt Fund

C000145608 Institutional Class TEDNX

C000145609 Premier Class TEDPX

C000145610 Retail Class TEDLX

C000145611 Retirement Class TEDTX

C000162600 Advisor Class TEDHX

C000202766 Class W TEDVX

497K 1 c106697_497k.htm

TIAA-CREF
Funds

Supplement

TIAA-CREF International Funds

TIAA-CREF Emerging Markets Debt Fund

TIAA-CREF International Bond Fund

SUPPLEMENT NO. 1
dated July 11, 2023, to the Summary Prospectuses dated March 1, 2023

SUPPLEMENT NO. 2
dated July 11, 2023, to the Statutory Prospectus dated March 1, 2023

Effective July 28, 2023, Anupam Damani will no longer be a portfolio manager of the TIAA-CREF Emerging Markets Debt Fund and the TIAA-CREF International Bond Fund (collectively, the “Funds”). Therefore, as of that date all references to Ms. Damani will be removed from the Funds’ portfolio management team disclosure in the Summary and Statutory Prospectuses. Katherine Renfrew will continue to serve as a member of the TIAA-CREF Emerging Markets Debt Fund’s portfolio management team, and John Espinosa will continue to serve as a member of the TIAA-CREF International Bond Fund’s portfolio management team.

Effective July 11, 2023, John Espinosa, Alejandro Rivera, Karina Bubeck and Bao Vo have been added to the portfolio management team of the TIAA-CREF Emerging Markets Debt Fund. Accordingly, the following is hereby added to the entry for the Fund in the sub-section entitled “Portfolio Managers” in the section entitled “Portfolio management” on page 8 and page 58 of the Summary and Statutory Prospectuses, respectively:

Name:	John Espinosa	Alejandro Rivera, CFA	Karina Bubeck, CFA	Bao Vo
Title:	Managing Director	Senior Director	Managing Director	Managing Director
Experience on Fund:	since 2023	since 2023	since 2023	since 2023

Effective July 11, 2023, Melissa Zaccagnino and Aaron Enriquez have been added to the portfolio management team of the TIAA-CREF International Bond Fund. Accordingly, the following is hereby added to the entry for the Fund in the sub-section entitled “Portfolio Managers” in the section entitled “Portfolio management” on page 10 and page 70 of the Summary and Statutory Prospectuses, respectively:

Name:	Melissa Zaccagnino	Aaron Enriquez
Title:	Senior Director	Senior Director
Experience on Fund:	since 2023	since 2023

Additionally, effective July 11, 2023, as a result of the portfolio management team changes described above, the following is hereby added to the respective entries for the Funds in the table of the sub-section entitled “Portfolio management teams” of the section entitled “Management of the Funds” beginning on page 99 of the Statutory Prospectus:

			Total Experience (since dates specified below)
Name & Title	Portfolio Role	Experience Over Past Five Years	At TIAA	Total	On Team
EMERGING MARKETS DEBT FUND
John Espinosa
Managing Director	Portfolio Manager	Advisors, TCIM and other advisory affiliates of TIAA—2004 to Present (fixed-income portfolio management, research and trading)	2004	2004	2023
Alejandro Rivera, CFA
Senior Director	Portfolio Manager	Advisors, Nuveen Asset Management and other advisory affiliates of TIAA—2015 to Present (fixed-income credit research and portfolio management)	2015	2004	2023
Karina Bubeck, CFA
Managing Director	Portfolio Manager	Advisors, Nuveen Asset Management and other advisory affiliates of TIAA—2003 to Present (fixed-income credit research and portfolio management)	2003	1999	2023
Bao Vo
Managing Director	Portfolio Manager	Advisors, Nuveen Asset Management and other advisory affiliates of TIAA—2014 to Present (fixed-income trading and portfolio management)	2014	2007	2023
INTERNATIONAL BOND FUND
Melissa Zaccagnino
Senior Director	Portfolio Manager	Advisors, Nuveen Asset Management and other advisory affiliates of TIAA—2020 to Present (fixed-income credit research and portfolio management); Santander—2018 to 2020 (emerging markets institutional sales)	2020	2006	2023
Aaron Enriquez
Senior Director	Portfolio Manager	Advisors, Nuveen Asset Management and other advisory affiliates of TIAA—2011 to Present (fixed-income credit research and portfolio management)	2011	2011	2023

A41404 (7/23)

GRAPHIC 2 x2_c106691x1x1.jpg GRAPHIC begin 644 x2_c106691x1x1.jpg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end