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Mutual Funds

How do I open a Mutual Fund account? You can open a standard Mutual Fund or IRA online. If you already have a secure website login, you're ready to use your e-signature. If not, just go directly to the Mutual Funds application -- you'll be asked to set up a user ID and password as you go along.

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What is Automatic Investment Plan (AIP) for Mutual Fund accounts? The Automatic Investment Plan allows you to authorize us to make monthly or bi-monthly investments (at least $100 per deposit per fund) by automatically transferring payments from your checking or savings account. If you use this feature, TIAA-CREF Mutual Funds waives our minimum investment of $2,500/ fund account. This feature can be set up upon application or added to your account later.

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I currently have my account being debited for $75.00 a month towards my Money Market fund. I would like to increase that amount to $100.00 a month. How can I go about doing this online or by mail? This update can be made over the phone or in writing provided you have not changed your bank information on file. Please contact our Telephone Counseling Center at 1 800 842-2776 (option #1), to update your withdrawal amount. If your bank information has changed, you will need to complete an Account Services agreement form with signature guarantee to update this information.

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I would like to suspend automatic withdrawals from my checking account into TIAA-CREF Mutual Fund accounts for the summer. Is there a way to do this online? Please call our telephone counselors at 1 800 842-2776 (option #1) to cancel these deductions from your bank account.

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How do I reinstate the Automatic Investment from my bank account on the 15th of every month? If you stopped your AIP contribution and have not changed your bank account information, you can contact the TIAA-CREF Planning and Service Center at 1 800 842-2776 (dial 1) weekdays from 8:00 a.m. to 10:00 p.m. (ET) for assistance in reinstating your AIP option. You cannot reinstate this option online.

If you have changed your banking information or would like to add AIP to your account, you must complete an Account Services Form to update this information.

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Can I exchange shares of Mutual Funds online? You can exchange between mutual funds by logging into Secure Access and selecting Exchange Shares between Funds from the "I want to..." drop-down menu located on the dashboard. You will receive an online confirmation of your transaction followed by a hardcopy in the mail.

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I currently own the Growth and Income Fund and I would like to open a new fund; can this be done online? You can set up the new mutual fund account in one of three ways:
  • You can make an exchange from one of your existing mutual funds (minimum of $2,500) to the new fund (please remember that an "exchange" does constitute a "sale" of shares and is a taxable event).
  • You can send in your investment (minimum of $2,500 for a new account) with an investment coupon from one of your existing funds (indicate the new fund and omit the existing account number). If you don't have an investment coupon, use a separate piece of paper to give us your name, address, fund account number, and the fund or funds you want to invest in and the amount to be invested in each fund. 
  •  You can use our online application using e-signature. If you already have a secure website login, you're ready to use your e-signature. If not, just go directly to the Mutual Funds application -- you'll be asked to set up a user ID and password as you go along.

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Can I purchase Mutual Fund shares online? You can buy additional shares online by logging into Secure Access and selecting Purchase additional shares from the "I want to..." drop-down menu located on the dashboard. You must have your bank information on file to initiate an electronic purchase from your bank. If not, you can download an Account Services agreement form located under Mutual Funds at our Forms Facility to add your bank information to our records.

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How can I contribute to my Mutual Fund IRA online? If your bank information is already on record with TIAA-CREF, you can simply log into Secure Access and select "Purchase additional shares" from the "I want to..." drop-down menu located on the dashboard. If your bank information is not on record, you will need to complete an Account Services Form.

You can also establish an Automatic Investment plan that will automatically deposit a specific amount ($100 minimum) to your mutual fund account monthly or semimonthly. Section number five of the Account Services Agreement Form will add this feature to your fund(s).

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I want to make an addition to my Managed Allocation Fund but have run out of the prepared envelopes and have no record of the address to which my check should be sent. You can mail your investment to:

Mailing Address:

TIAA-CREF Funds
P.O. Box 8009
Boston, MA
02266-8009

Overnight Mailing Address:

TIAA-CREF Funds
30 Dan Road
Canton, MA
02021-2809

Please include your fund account number on your check or an investment slip if you have one.

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Can I redeem my Mutual Fund online?

Online redemption cannot be made at this time. You can redeem (sell) your shares at any time, unless you're requesting to redeem shares purchased by check or Automatic Investment Plan (AIP) within the past 10 days, in which case we will hold your proceeds until the check or automatic investment clears. Redemptions must be for at least $250, or the balance of your investment in a fund, if less.

By Check:

If you've elected the Money Market Fund's check writing privilege, you can make redemptions from the Money Market Fund by check. All registered account owners must sign a signature card before the privilege can be exercised. You can establish check writing on your account when you apply or later upon request.

Please note:

Checks must be a minimum of $250, and you can write up to 24 checks per year. We reserve the right to charge a $10 fee if you write a check for less than $250; if there are insufficient Money Market Fund shares in your account to cover the amount of the check; or for each check you write if you have already written 24 checks in one year. Also, if your Money Market Fund does not otherwise have a sufficient balance, and you request redemption shortly after you purchase shares by check or automatic investment, you must wait 10 days after submitting a check or Automatic Investment Plan payment, before you can write a check to redeem shares.

You cannot write a check to close your TIAA-CREF Money Market Fund because the value of the fund changes daily as dividends are accrued.

By Telephone:

Call 1 800 842-2776 to redeem shares in amounts under $50,000. Once made, your telephone request cannot be modified or canceled. All shareholders have the telephone redemption option automatically (although you can block this action upon request). Please note: Telephone redemptions are not available for IRAs.

By Mail:

Mailing Address:

TIAA-CREF Funds
P.O. Box 8009
Boston, MA
02266-8009

Overnight Mailing Address:

TIAA-CREF Funds
30 Dan Road
Canton, MA
02021-2809

Requests must include: account number, transaction amount (in dollars or shares), signatures of all owners exactly as registered on the account, signature guarantees (if required), and any other required supporting legal documentation. Once mailed to us, your redemption request is irrevocable and cannot be modified or canceled. Please note: For each share you will receive the net asset value (NAV) in effect at the close of business on the day your request is received in good order.

Please see a prospectus for further details.

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I used my last Money Market check and I need more. Can I reorder online? You cannot reorder checks online at this time. Contact the TIAA-CREF Planning and Service Center at 1 800 842-2776 (dial 1) weekdays from 8:00am to 10:00pm (ET) to request additional checks.

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I have a mutual fund IRA at another financial services company that I want to roll over to a TIAA-CREF mutual fund IRA. How can I do this? You can roll over your outside mutual fund IRA into a TIAA-CREF mutual fund IRA by downloading the application. If you have an existing TIAA-CREF Mutual Fund IRA, complete the Transfer/Rollover form for Mutual Fund IRAs. If you need to establish a new IRA, complete both the transfer/rollover form and TIAA-CREF Mutual Fund IRA application.

Be sure to view or download a prospectus. If you should have any questions or want to request a copy of the prospectus, please contact us at 1 800 842-2776 (dial 1).

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How do I transfer my mutual fund (not tax deferred) to the TIAA-CREF Mutual Funds? You can establish a mutual fund account either online or by downloading the application from the website. You cannot directly rollover these funds to TIAA-CREF unless they are invested in an IRA, 401(k), or other retirement plan. You will need to redeem the shares held at the other carrier and send them in with your application. If you opt for online enrollment, you can send in a check payable to TIAA-CREF Mutual Funds along with the online confirmation that you will receive after completing your online enrollment.

Please consider all surrender charges before transferring. Please read the prospectus before you invest. Contact the TIAA-CREF Planning and Service Center at 1 800 842-2776 (dial 1) weekdays from 8:00 a.m. to 10:00 p.m. (ET) for assistance.

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Can I change allocations and make transfers in my after-tax annuity? Yes, after you log into Secure Access, you can change the allocation and make transfers within your After-Tax annuity. To make a change to your future allocations, simply go to the "I want to..." drop-down box on the dashboard and select see/change premium allocation.
To make a transfer between investment accounts in your After-Tax annuity, go to the Transfer funds option using the "I want to..." drop-down box on the dashboard. Please note that you can only make one transfer or withdrawal from the Personal Annuity Select Fixed account once every six months.

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