INTRODUCING TIAA-CREF LIFECYCLE FUNDS
A STREAMLINED APPROACH TO RETIREMENT INVESTING

MnSCU has now made available a series of Lifecycle Funds targeted to your expected year of retirement. For investors who prefer an approach to retirement investing that won’t require complicated decision-making, the TIAA-CREF Lifecycle funds offer a convenient solution. TIAA-CREF Lifecycle funds are based on your target retirement date. These funds follow a carefully planned asset allocation strategy that continually adapts to balance the pursuit of growth with the desire to minimize volatility as retirement nears.

In addition, TIAA-CREF offers personalized, objective advice and planning services that can help you develop a plan to pursue your retirement income goals, or help you keep your retirement strategy on track.

As with all mutual funds, keep in mind that the principal value of a lifecycle fund isn’t guaranteed. Also, please note that the target date of a lifecycle fund is an approximate date when investors may begin withdrawing from the fund.

HOW TO LEARN MORE

Go to www.tiaa-cref.org/mnscu to view all the fund choices now available to you.

 ATTEND A FINANCIAL EDUCATION WEBINAR

 This Seminar will:

1. Provide key reasons why you may benefit from investing in a Lifecycle Fund
2. Describe the “Glidepath”, or the funds’ gradual, carefully controlled transition away from equities and to fixed-income investments
3. Provide an overview of the broad diversification and asset classes that makeup the funds

 Meeting details are as follows - Date(s) Time(s) Location(s)

 Thursday, October 8, 2009                  12:00 p.m. - 1:00 p.m. Webinar

Thursday, October 8, 2009                  4:00 p.m. - 5:00 p.m. Webinar

 Tuesday, November 17, 2009              9:00 a.m. – 10:00 a.m. Webinar

Tuesday, November 17, 2009              12:00 p.m. - 1:00 p.m. Webinar

WEBINAR INSTRUCTIONS:

 The latest version of Java will be required.  To join the meeting at the scheduled start time, follow these steps:

 Dial into this meeting’s Global Crossing audio conference using a touch-tone phone:

Ready-Access telephone number: 800 851-3758

Access code: 704-0435

1. Click the link below to join the eMeeting (you may need to cut and paste this link into your browser’s address window):

https://www.callinfo.com/interface/guest.jsp?host=globalcrossing&mmid=0&javaForwarded=true&javatested=true

1. Enter Conference Phone Number: 8008513758 (NO dashes)

Enter Access Code: 7040435 (NO dashes)

1. Enter your name and email address

 NOTE: The process of joining an eMeeting may take a few minutes, depending on your Internet connection speed. The host must also start the eMeeting before you may join