Question

My retirement monies are invested at tiaacref.org - pick at least 2 funds, at most 4 funds at tiaacref where my monies should be invested and tell me why. Your reason should be convincing! I'm 57 yrs old and plan to retire at age 66. If the market dips can I ride it out? What's the longest time between a market dip (Dow or S&P 500) and it returning back to the before dip value.

Answer 1

Here I'll share with you three top-ranked TIAA Mutual Funds.

TIAA-CREF Large-Cap Value Premier TRCPX seeks returns over the long run primarily through growth of capital. TRCPX invests the lion's share of its assets in equity securities of large-cap companies, which are expected to be undervalued. The fund invests in companies as defined by the fund's benchmark Russell 1000 Value Index. TIAA-CREF Large-Cap Value Premier has returned 17.6% in the last year.

Richard Cutler is one of the fund managers of TRCPX since 2002.

TIAA-CREF Real Estate Securities Fund Premier TRRPX heavily invests in equity securities issued by companies engaged in the real estate industry. TRRPX may also invest almost 15% of its assets in real estate securities of non-U.S. issuers and almost one-fifth of its assets in equity and debt securities of issuers that are not related to the real estate industry. TIAA-CREF Real Estate Securities Fund Premier has returned 7.7% in a year's time.

TRRPX has an expense ratio of 0.65% compared with the category average of 1.23%.

TIAA-CREF Social Choice Equity Retail TICRX seeks returns similar to the Russell 3000 Index. The fund invests the lion's share of its assets in equity securities issued by companies after giving particular consideration to certain ESG criteria. TIAA-CREF Social Choice Equity Retail Class has returned 20.3% over last year.