0000930413-23-002314.txt : 20231013 0000930413-23-002314.hdr.sgml : 20231013 20231013070459 ACCESSION NUMBER: 0000930413-23-002314 CONFORMED SUBMISSION TYPE: 497 PUBLIC DOCUMENT COUNT: 2 FILED AS OF DATE: 20231013 DATE AS OF CHANGE: 20231013 EFFECTIVENESS DATE: 20231013 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: 497 SEC ACT: 1933 Act SEC FILE NUMBER: 333-76651 FILM NUMBER: 231323875 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 S000005360 TIAA-CREF Equity Index Fund C000014611 Institutional Class TIEIX C000033987 Retirement Class TIQRX C000033988 Retail Class TINRX C000079551 Premier Class TCEPX C000162542 Advisor Class TEIHX C000202742 Class W TEQWX 0001084380 S000005361 TIAA-CREF S&P 500 Index Fund C000014612 Institutional Class TISPX C000014613 Retirement Class TRSPX C000162543 Advisor Class TISAX C000202743 Class W TISWX 0001084380 S000005367 TIAA-CREF Small-Cap Blend Index Fund C000014624 Institutional Class TISBX C000014625 Retirement Class TRBIX C000162544 Advisor Class TRHBX C000202744 Class W TRHWX 0001084380 S000005368 TIAA-CREF International Equity Index Fund C000014626 Institutional Class TCIEX C000014627 Retirement Class TRIEX C000079552 Premier Class TRIPX C000162545 Advisor Class TCIHX C000202745 Class W TCIWX 0001084380 S000005369 TIAA-CREF Real Estate Securities Fund C000014628 Institutional Class TIREX C000014629 Retail Class TCREX C000014630 Retirement Class TRRSX C000079553 Premier Class TRRPX C000162546 Advisor Class TIRHX 0001084380 S000005370 TIAA-CREF Growth & Income Fund C000014631 Institutional Class TIGRX C000014632 Retirement Class TRGIX C000033989 Retail Class TIIRX C000079554 Premier Class TRPGX C000162547 Advisor Class TGIHX C000202746 Class W TGIWX 0001084380 S000005371 TIAA-CREF Social Choice Equity Fund C000014633 Institutional Class TISCX C000014634 Retirement Class TRSCX C000033990 Retail Class TICRX C000079555 Premier Class TRPSX C000162548 Advisor Class TICHX 0001084380 S000005372 TIAA-CREF Core Bond Fund C000014635 Institutional Class TIBDX C000033991 Retirement Class TIDRX C000033992 Retail Class TIORX C000079556 Premier Class TIDPX C000162549 Advisor Class TIBHX C000202747 Class W TBBWX 0001084380 S000005373 TIAA-CREF Inflation-Linked Bond Fund C000014636 Institutional Class TIILX C000014637 Retail Class TCILX C000033993 Retirement Class TIKRX C000079557 Premier Class TIKPX C000162550 Advisor Class TIIHX C000202748 Class W TIIWX 0001084380 S000005374 TIAA-CREF Money Market Fund C000014638 Institutional Class TCIXX C000033994 Retirement Class TIEXX C000033995 Retail Class TIRXX C000079558 Premier Class TPPXX C000162551 Advisor Class TMHXX C000202749 Class W TMWXX 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 S000005381 TIAA-CREF International Equity Fund C000014645 Institutional Class TIIEX C000014646 Retirement Class TRERX C000033996 Retail Class TIERX C000079565 Premier Class TREPX C000162558 Advisor Class TIEHX C000202750 Class W TIEWX 0001084380 S000005382 TIAA-CREF Lifecycle 2040 Fund C000014647 Retirement Class TCLOX C000047978 Institutional Class TCOIX C000079566 Premier Class TCZPX C000162559 Advisor Class TCZHX 0001084380 S000005383 TIAA-CREF Large-Cap Value Fund C000014648 Institutional Class TRLIX C000014649 Retail Class TCLCX C000014650 Retirement Class TRLCX C000079567 Premier Class TRCPX C000162560 Advisor Class TRLHX C000202751 Class W TRLWX 0001084380 S000005384 TIAA-CREF Mid-Cap Growth Fund C000014651 Institutional Class TRPWX C000014652 Retail Class TCMGX C000014653 Retirement Class TRGMX C000079568 Premier Class TRGPX C000162561 Advisor Class TCMHX 0001084380 S000005385 TIAA-CREF Mid-Cap Value Fund C000014654 Institutional Class TIMVX C000014655 Retail Class TCMVX C000014656 Retirement Class TRVRX C000079569 Premier Class TRVPX C000162562 Advisor Class TRVHX 0001084380 S000005386 TIAA-CREF Quant Small-Cap Equity Fund C000014657 Institutional Class TISEX C000014658 Retail Class TCSEX C000014659 Retirement Class TRSEX C000079570 Premier Class TSRPX C000162563 Advisor Class TSCHX C000202752 Class W TSCWX 0001084380 S000005387 TIAA-CREF Large-Cap Growth Index Fund C000014660 Institutional Class TILIX C000014661 Retirement Class TRIRX C000162564 Advisor Class TRIHX C000202753 Class W TRIWX 0001084380 S000005388 TIAA-CREF Large-Cap Value Index Fund C000014662 Institutional Class TILVX C000014663 Retirement Class TRCVX C000162565 Advisor Class THCVX C000202754 Class W THCWX 0001084380 S000012194 TIAA-CREF Managed Allocation Fund C000033271 Retail Class TIMRX C000033272 Retirement Class TITRX C000033273 Institutional Class TIMIX 0001084380 S000012195 TIAA-CREF Short-Term Bond Fund C000033274 Retail Class TCTRX C000033275 Retirement Class TISRX C000033276 Institutional Class TISIX C000079571 Premier Class TSTPX C000162566 Advisor Class TCTHX C000202755 Class W TCTWX 0001084380 S000012196 TIAA-CREF High-Yield Fund C000033277 Retail Class TIYRX C000033278 Retirement Class TIHRX C000033279 Institutional Class TIHYX C000079572 Premier Class TIHPX C000162567 Advisor Class TIHHX C000202756 Class W TIHWX 0001084380 S000012197 TIAA-CREF Large-Cap Growth Fund C000033280 Retail Class TIRTX C000033281 Retirement Class TILRX C000033282 Institutional Class TILGX C000079573 Premier Class TILPX C000162568 Advisor Class TILHX C000202757 Class W TILWX 0001084380 S000012198 TIAA-CREF Core Plus Bond Fund C000033283 Retail Class TCBPX C000033284 Retirement Class TCBRX C000033285 Institutional Class TIBFX C000079574 Premier Class TBPPX C000162569 Advisor Class TCBHX C000202758 Class W TCBWX 0001084380 S000012199 TIAA-CREF 5-15 Year Laddered Tax-Exempt Bond Fund C000033286 Retail Class TIXRX C000033287 Institutional Class TITIX C000162570 Advisor Class TIXHX 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 S000026500 TIAA-CREF Bond Index Fund C000079523 Institutional Class TBIIX C000079524 Retirement Class TBIRX C000079525 Premier Class TBIPX C000079526 Retail Class TBILX C000162579 Advisor Class TBIAX C000202762 Class W TBIWX 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 C000079548 Institutional Class TLLIX C000079549 Premier Class TLLPX C000079550 Retirement Class TLLRX C000162587 Advisor Class TLLHX 0001084380 S000029604 TIAA-CREF Emerging Markets Equity Fund C000090850 Retail Class TEMRX C000090851 Retirement Class TEMSX C000090852 Premier Class TEMPX C000090853 Institutional Class TEMLX C000162588 Advisor Class TEMHX C000202763 Class W TEMVX 0001084380 S000029605 TIAA-CREF Emerging Markets Equity Index Fund C000090854 Retail Class TEQKX C000090855 Retirement Class TEQSX C000090856 Premier Class TEQPX C000090857 Institutional Class TEQLX C000162589 Advisor Class TEQHX C000202764 Class W TENWX 0001084380 S000031926 TIAA-CREF Lifecycle Index 2055 Fund C000099413 Retirement Class TTIRX C000099414 Institutional Class TTIIX C000099415 Premier Class TTIPX C000162590 Advisor Class TTIHX 0001084380 S000031927 TIAA-CREF Lifecycle 2055 Fund C000099416 Retirement Class TTRLX C000099417 Institutional Class TTRIX C000099418 Premier Class TTRPX C000162591 Advisor Class TTRHX 0001084380 S000034958 TIAA-CREF Lifestyle Aggressive Growth Fund C000107517 Institutional Class TSAIX C000107518 Premier Class TSAPX C000107519 Retail Class TSALX C000107520 Retirement Class TSARX C000162593 Advisor Class TSAHX 0001084380 S000034959 TIAA-CREF Lifestyle Conservative Fund C000107521 Institutional Class TCSIX C000107522 Premier Class TLSPX C000107523 Retail Class TSCLX C000107524 Retirement Class TSCTX C000162594 Advisor Class TLSHX 0001084380 S000034960 TIAA-CREF 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 S000038169 TIAA-CREF Core Impact Bond Fund C000117721 Institutional Class TSBIX C000117722 Premier Class TSBPX C000117723 Retail Class TSBRX C000117724 Retirement Class TSBBX C000162598 Advisor Class TSBHX 0001084380 S000040206 TIAA-CREF International Opportunities Fund C000124962 Institutional Class TIOIX C000124963 Premier Class TIOPX C000124964 Retail Class TIOSX C000124965 Retirement Class TIOTX C000162599 Advisor Class TIOHX C000202765 Class W TIOVX 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 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 0001084380 S000050278 TIAA-CREF Short-Term Bond Index Fund C000158750 Institutional Class TNSHX C000158751 Premier Class TPSHX C000158752 Retail Class TRSHX C000158753 Retirement Class TESHX C000162603 Advisor Class TTBHX C000202767 Class W TTBWX 0001084380 S000050279 TIAA-CREF Social Choice International Equity Fund C000158754 Institutional Class TSONX C000158755 Premier Class TSOPX C000158756 Retail Class TSORX C000158757 Retirement Class TSOEX C000162604 Advisor Class TSOHX 0001084380 S000050280 TIAA-CREF Social Choice Low Carbon Equity Fund C000158758 Premier Class TPWCX C000158759 Retail Class TLWCX C000158760 Retirement Class TEWCX C000158761 Institutional Class TNWCX C000162605 Advisor Class TCCHX 0001084380 S000054622 TIAA-CREF International Bond Fund C000171516 Advisor Class TIBNX C000171517 Institutional Class TIBWX C000171518 Premier Class TIBLX C000171519 Retail Class TIBEX C000171520 Retirement Class TIBVX C000202768 Class W TIBUX 0001084380 S000054623 TIAA-CREF Quant Small/Mid-Cap Equity Fund C000171521 Retirement Class TSMOX C000171522 Advisor Class TSMNX C000171523 Institutional Class TSMWX C000171524 Premier Class TSMMX C000171525 Retail Class TSMEX C000202769 Class W TSMUX 0001084380 S000055721 TIAA-CREF Quant International Small-Cap Equity Fund C000175453 Advisor Class TAISX C000175454 Institutional Class TIISX C000175455 Premier Class TPISX C000175456 Retail Class TLISX C000175457 Retirement Class TTISX C000202770 Class W TAIWX 0001084380 S000063522 TIAA-CREF Green Bond Fund C000205811 Institutional Class TGRNX C000205812 Premier Class TGRLX C000205813 Retail Class TGROX C000205814 Retirement Class TGRMX C000205815 Advisor Class TGRKX 0001084380 S000063523 TIAA-CREF Short Duration Impact Bond Fund C000205816 Institutional Class TSDJX C000205817 Premier Class TSDFX C000205818 Retail Class TSDBX C000205819 Retirement Class TSDDX C000205820 Advisor Class TSDHX 0001084380 S000069450 TIAA-CREF Lifecycle 2065 Fund C000221702 Premier Class TSFPX C000221703 Advisor Class TSFHX C000221704 Institutional Class TSFTX C000221705 Retirement Class TSFRX 0001084380 S000069451 TIAA-CREF Lifecycle Index 2065 Fund C000221706 Premier Class TFIPX C000221707 Retirement Class TFIRX C000221708 Advisor Class TFIHX C000221709 Institutional Class TFITX 497 1 c107146_497.htm
TIAA-CREF
Funds		 Supplement

 

TIAA-CREF Funds

 

SUPPLEMENT NO. 1
dated October 13, 2023 to the Statement of Additional Information (“SAI”) dated March 1, 2023 and August 1, 2023

 

TIAA-CREF Funds: Funds-of-Funds

 

SUPPLEMENT NO. 1
dated October 13, 2023 to the Statement of Additional Information (“SAI”) dated October 1, 2023

 

The Funds and certain other investment companies advised by Teachers Advisors, LLC (“Advisors”) and its affiliates are currently overseen by two separate groups of board members. One of these groups consists of the current board members of the mutual funds advised by Advisors that are series of the Trust and the TIAA-CREF Life Funds (collectively referred to herein as the “TC Funds,” and the board members thereof as the “TC Board Members”). The other group consists of the current board members of the funds advised by Nuveen Fund Advisors, LLC (referred to herein as the “Nuveen Funds,” and board members thereof as the “Nuveen Board Members”).

 

The TC Board Members and the Nuveen Board Members separately determined to approve the alignment and consolidation of the membership of the boards so that the TC Funds and the Nuveen Funds are overseen by the same board members. Accordingly, the TC Fund Board has proposed the election of twelve (12) board members. Four (4) of the nominees currently serve as TC Board Members. Eight (8) of the nominees currently serve as Nuveen Board Members. If shareholders approve the election of all of the nominees, the membership of the TC Fund Board will be expanded from eleven (11) to twelve (12) members, including the eight (8) nominees who currently serve as Nuveen Board Members, as well as the four (4) nominees who currently serve as TC Board Members (Joseph A. Boateng, Michael A. Forrester, Thomas J. Kenny and Loren M. Starr). In connection with the board consolidation, seven (7) of the eleven (11) current TC Board Members (Forrest Berkley, Joseph A. Carrier, Janice C. Eberly, Nancy A. Eckl, Howell E. Jackson, Nicole Thorne Jenkins and James M. Poterba) are expected to resign as TC Board Members, effective as of December 31, 2023, and therefore have not been nominated for re-election as board members of the TC Funds, but will continue to serve as members of the board or management committee, as applicable, of College Retirement Equities Fund (“CREF”) and TIAA Separate Account VA-1 (“VA-1"), which are other investment companies advised by Advisors or its affiliate.

1

The nominees who currently serve as Nuveen Board Members and who do not currently serve as TC Board Members, each of whom would not be deemed an “interested person,” as that term is defined under the 1940 Act, of the Funds or Advisors, are:

 

Name, address and
year of birth (“YOB”)		   Position(s)
held with
registrant		   Term of office
and length of
time served		   Principal occupation(s)
during past 5 years and
other relevant experience
and qualifications		   Number of
portfolios in
fund complex(1)
overseen by Trustee		   Other directorships
and positions held
by Trustee
Amy B. R. Lancellotta
333 West Wacker Drive
Chicago, IL 60606
YOB: 1959		   None  

Term: Indefinite

 

Length of Service: Not Applicable

   Formerly, Managing Director, Independent Directors Council (“IDC”) (2006-2019) (supports the fund independent director community and is part of the Investment Company Institute (“ICI”), which represents regulated investment companies); formerly, various positions with ICI (1989-2006).   135(2)   President (since 2023) and Member of the Board of Directors (since 2020), Jewish Coalition Against Domestic Abuse (JCADA).
Joanne T. Medero
333 West Wacker Drive
Chicago, IL 60606
YOB: 1954		   None  

Term: Indefinite

 

Length of Service: Not Applicable

   Formerly, Managing Director, Government Relations and Public Policy (2009-2020) and Senior Advisor to the Vice Chairman (2018-2020), BlackRock, Inc. (global investment management firm); formerly, Managing Director, Global Head of Government Relations and Public Policy, Barclays Group (IBIM) (investment banking, investment management and wealth management businesses) (2006-2009); formerly, Managing Director, Global General Counsel and Corporate Secretary, Barclays Global Investors (global investment management firm) (1996-2006); formerly, Partner, Orrick, Herrington & Sutcliffe LLP (law firm) (1993-1995); formerly, General Counsel, Commodity Futures Trading Commission (government agency overseeing U.S. derivatives markets) (1989-1993); formerly, Deputy Associate Director/Associate Director for Legal and Financial Affairs, Office of Presidential Personnel, The White House (1986-1989).   135(2)   Member (since 2019) of the Board of Directors of the Baltic-American Freedom Foundation.
Albin F. Moschner
333 West Wacker Drive
Chicago, IL 60606
YOB: 1952		   None  

Term: Indefinite

 

Length of Service: Not Applicable

   Founder and Chief Executive Officer, Northcroft Partners, LLC (management consulting) (since 2012); previously, held positions at Leap Wireless International, Inc. (consumer wireless services), including Consultant (2011-2012), Chief Operating Officer (2008-2011) and Chief Marketing Officer (2004-2008); formerly, President, Verizon Card Services division of Verizon Communications, Inc. (telecommunication services) (2000-2003); formerly, President, One Point Services at One Point Communications (telecommunication services) (1999-2000); formerly, Vice President of the Board, Diba, Incorporated (internet technology provider) (1996-1997); formerly, various executive positions (1991-1996) and Chief Executive Officer (1995-1996) of Zenith Electronics Corporation (consumer electronics).   135(2)   Formerly, Chairman (2019) and Director (2012-2019), USA Technologies, Inc. (a provider of solutions and services to facilitate electronic payment transactions); formerly, Director, Wintrust Financial Corporation (1996-2016).
2
Name, address and
year of birth (“YOB”)		   Position(s)
held with
registrant		   Term of office
and length of
time served		   Principal occupation(s)
during past 5 years and
other relevant experience
and qualifications		   Number of
portfolios in
fund complex(1)
overseen by Trustee		   Other directorships
and positions held
by Trustee
John K. Nelson
333 West Wacker Drive
Chicago, IL 60606
YOB: 1962		   None  

Term: Indefinite

 

Length of Service: Not Applicable

   Formerly, Senior External Advisor to the Financial Services practice of Deloitte Consulting LLP (2012-2014); Chief Executive Officer of ABN AMRO Bank N.V., North America, and Global Head of the Financial Markets Division (2007-2008), with various executive leadership roles in ABN AMRO Bank N.V. between 1996 and 2007.   135(2)   Member of the Board of Directors (since 2008) of Core12 LLC; formerly, Member of the President’s Council (2010-2019) of Fordham University; formerly, Director (2009-2018) of the Curran Center for Catholic American Studies.
Matthew Thornton III
333 West Wacker Drive
Chicago, IL 60606
YOB: 1958		   None  

Term: Indefinite

 

Length of Service: Not Applicable

   Formerly, Executive Vice President and Chief Operating Officer (2018-2019), FedEx Freight Corporation, a subsidiary of FedEx Corporation (“FedEx”) (provider of transportation, e-commerce and business services through its portfolio of companies); formerly, Senior Vice President, U.S. Operations (2006-2018), Federal Express Corporation, a subsidiary of FedEx.   135(2)   Member of the Board of Directors (since 2014), The Sherwin-Williams Company (develops, manufactures, distributes and sells paints, coating and related products); Member of the Board of Directors (since 2020), Crown Castle International (provider of communications infrastructure); formerly, Member of the Board of Directors (2012-2018), Safe Kids Worldwide.
3
Name, address and
year of birth (“YOB”)		   Position(s)
held with
registrant		   Term of office
and length of
time served		   Principal occupation(s)
during past 5 years and
other relevant experience
and qualifications		   Number of
portfolios in
fund complex(1)
overseen by Trustee		   Other directorships
and positions held
by Trustee
Terence J. Toth
333 West Wacker Drive
Chicago, IL 60606
YOB: 1959		   None  

Term: Indefinite

 

Length of Service: Not Applicable

   Formerly, Co-Founding Partner, Promus Capital (investment advisory firm) (2008-2017); formerly, Director, Quality Control Corporation (manufacturing) (2012-2021); formerly, Director, Fulcrum IT services LLC (information technology services firm to government entities) (2010-2019); formerly, Director, Legal & General Investment Management America, Inc. (asset management) (2008-2013); formerly, CEO and President, Northern Trust Global Investments (financial services) (2004-2007); Executive Vice President, Quantitative Management & Securities Lending (2000-2004); prior thereto, various positions with Northern Trust Company (financial services); formerly, Member, Northern Trust Mutual Funds Board (2005-2007), Northern Trust Global Investments Board (2004-2007), Northern Trust Japan Board (2004-2007) and Northern Trust Hong Kong Board (1997-2004).   135(2)   Chair and Member of the Board of Directors (since 2021), Kehrein Center for the Arts; Member of the Board of Directors (philanthropy) (since 2008), Catalyst Schools of Chicago; Member of the Board of Directors (since 2012) (and Former Investment Committee Chair (2017-2022)), Mather Foundation (philanthropy); formerly, Member, Chicago Fellowship Board (philanthropy) (2005-2016).
Margaret L. Wolff
333 West Wacker Drive
Chicago, IL 60606
YOB: 1955		   None  

Term: Indefinite

 

Length of Service: Not Applicable

   Formerly, Of Counsel, Skadden, Arps, Slate, Meagher & Flom LLP (legal services) (2005-2014).   135(2)   Member of the Board of Trustees (since 2005) of New York- Presbyterian Hospital; Member of the Board of Trustees (since 2004) (and former Chair (2015-2022)), The John A. Hartford Foundation (philan- thropy dedicated to improving the care older adults); formerly, Member (2005-2015) and Vice Chair (2011- 2015) of the Board of Trustees of Mt. Holyoke College.
4
Name, address and
year of birth (“YOB”)		   Position(s)
held with
registrant		   Term of office
and length of
time served		   Principal occupation(s)
during past 5 years and
other relevant experience
and qualifications		   Number of
portfolios in
fund complex(1)
overseen byTrustee		   Other directorships
and positions held
by Trustee
Robert L. Young
333 West Wacker Drive
Chicago, IL 60606
YOB: 1963		   None  

Term: Indefinite

 

Length of Service: Not Applicable

   Formerly, Chief Operating Officer and Director, J.P. Morgan Investment Management Inc. (financial services) (2010-2016); formerly, President and Principal Executive Officer (2013-2016), and Senior Vice President and Chief Operating Officer (2005-2010), of J.P. Morgan Funds; formerly, Director and various officer positions for J.P. Morgan Investment Management Inc. (formerly, JPMorgan Funds Management, Inc. and formerly One Group Administrative Services) and JPMorgan Distribution Services, Inc. (financial services) (formerly, One Group Dealer Services, Inc. (1999-2017).   135(2)   None.

 

1 As used in this table, the Fund Complex consists of the Nuveen Funds, the TC Funds and the TC Life Funds.
2 In connection with the board consolidation, each nominee is also standing for election, or expected to be appointed, to oversee additional funds in the Fund Complex. If so elected, the Number of portfolios in fund complex overseen by Trustee will be as follows on January 1, 2024:
Amy B.R. Lancellotta 214
Joanne T. Medero 214
Albin F. Moschner 214
John K. Nelson 214
Matthew Thornton III 214
Terence J. Toth 214
Margaret L. Wolff 214
Robert L. Young 214

 

In addition, certain nominees may from time to time be appointed or elected to other boards overseeing additional portfolios in the Fund Complex.

 

The nominees were unanimously approved by the Board to stand for election.

 

A notice of special meeting of shareholders, proxy statement and proxy card are expected to be mailed to shareholders of each Fund of record as of October 5, 2023. The shareholder meeting is expected to be held on or about November 20, 2023. If elected, nominees who currently serve as Nuveen Board Members are expected to be seated as members of your Fund’s Board effective as of January 1, 2024.

 

This supplement is not a solicitation of any vote, consent or proxy from any Fund shareholder.

Solicitation of shareholder approval of the election of the nominees will be made only pursuant to separate proxy materials filed with the Securities and Exchange Commission (“SEC”) under applicable federal securities laws. Shareholders are urged to read any such proxy materials when they become available because they will contain important information about the proposed board consolidation and nominees. Shareholders will be able to obtain, free of charge, copies of these documents, when available, at
https://www.tiaa.org/public/about-tiaa/corporate-governance-leadership/document-library. You may also obtain these documents directly from the SEC on the EDGAR Database on the SEC’s website at http://www.sec.gov. You may also request Fund information by sending an e-mail request to publicinfo@sec.gov.

5

The following is added to the section directly after the “Equity ownership of the Trustees” table:

 

The table below presents information on Trustees who own securities in companies (other than registered investment companies) that are advised by entities that are under common control with the Funds’ investment adviser, Advisors, as of December 31, 2022:

 

Name of Trustee   Name of Owners/
Relationships to
Trustee		   Companies2   Title of Class   Value of Securities3   Percent of Class4
Thomas J. Kenny   Thomas Joseph Kenny 2021 Trust (Mr. Kenny is Initial Trustee and Settlor.)   Global Timber Resources LLC   None   $61,063   0.01%
    KSHFO, LLC1   Global Timber Resources Investor Fund, LP   None   3,593   0.39
    KSHFO, LLC1   Global Agriculture II Investor Fund LP   None   9,448   0.67

 

  1 Mr. Kenny owns 6.6% of KSHFO, LLC.
  2 Advisors and the investment advisers to these Companies are indirectly commonly controlled by Nuveen, LLC.
  3 These amounts reflect the current value of holdings as of December 31, 2022.
  4 These percentages reflect the overall amount committed to invest in the Companies, not current ownership percentages.
6

This page is intentionally left blank.

7

 

A41503 (10/23)

8
 GRAPHIC 2 x2_c107146x1x1.jpg GRAPHIC begin 644 x2_c107146x1x1.jpg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end