What should your
portfolio look like?
Introducing Portfolio Advisor:
Personalized portfolio
management from TIAA-CREF
What should your portfolio look like?
Charting a disciplined, forward-thinking path toward your investment goals
brings with it significant challenges that change in response to your outlook and
to the markets. The key question at any given life stage is: “What should your
portfolio look like?” Your Portfolio Advisor team strives to help you answer that
question by recommending and managing a long-term portfolio that seeks to
withstand short-term fluctuations while targeting your investment objectives.
How Portfolio Advisor works
The process starts with a deep understanding of your investment goals, risk
tolerance and personal investment preferences. Based on this understanding,
disciplined research and careful asset selection, TIAA-CREF designs your
portfolio with you. We will continuously monitor your investments and the
various strategies in place to pinpoint what adjustments, if any, are needed
to stay true to your goals. Of course, you can always meet with your Advisor
to discuss changes in your life situation or outlook that may call for a change
in investment strategy.
Sophisticated investment advice.
Designed for your portfolio.
The more your assets grow, the more you’re likely to realize that managing them
can be a time-consuming and ongoing task. But what if you had an investment
team with the know-how and the resources to handle that workload for you day in
and day out, seeking to improve your chances of reaching your financial goals?
That’s the concept behind the Portfolio Advisor program.
Introducing Portfolio Advisor
More and more, people with complex financial needs are turning to the TIAA-CREF
Portfolio Advisor program for professional, ongoing investment management.
It starts by letting you dial in specific preferences which reflect your investment
objectives and attitudes. Then our professionals handle everything needed to
keep your portfolio on the track you’ve set out, including investment selection,
asset allocation and periodic rebalancing.
What’s important to you?
Dial in what matters
to you.
Your preferences are the
building blocks of your portfolio.
WW You
shape it.
WW We
build it together.
WW We
manage and monitor it.
WW You
review progress
quarterly and annually.
Social
issues
Risk
tolerance
Taxes
Your
portfolio
Downside
risk
Exceed
market
return
Income
Preferred
investments
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A disciplined process for
investment control
Assess needs
Analysis and
alternatives
WW Define
your investment goal
WW Focus
on how you want your money managed
WW Analyze
your investment objectives, risk
tolerance and specific investment preferences
WW Analyze
your current holdings
WW Evaluate
funds and other securities for
inclusion in your portfolio
A portfolio based on what’s
important to you
Our investment professionals will create a portfolio based on what’s important to
you. Examples:
Present and
recommend
Implement plan/
strategy
WW Actively
managed portfolios—with a goal of delivering better performance than
the market in general (either in terms of better returns or reduced risk).
WW Passively
managed portfolios—with a goal of matching the performance and
risk of the market via index strategies and Exchange-Traded Funds (ETFs).
WW Portfolios
with a goal of turning the assets you’ve built up into income to help
you live well in retirement. The focus is on producing more retirement income
for more years—with special considerations around the risks that can affect
retirement portfolios.
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Ongoing review
asset allocation strategy
WW Discuss
overall investment strategy and how it
aligns with your overall financial plan
WW Implement
designed to help reduce exposure to major downward
market movements.
with investments seeking to match or exceed the market returns in
both rising and falling market environments (with an aim to outperform their
respective benchmarks over a full market cycle).
a customized investment
portfolio tailored to your situation
and needs
WW Recommend
WW Portfolios
WW Portfolios
WW Discuss
the portfolio
Things change. That’s why we perform ongoing
research and due diligence on securities we’ve
selected for your portfolio, and:
WW Replace—If
a security no longer meets our
investment criteria, it will be replaced
WW Reallocate—Perform
strategic asset
allocation changes, as necessary
WW Send
you a quarterly performance report so
you can track your progress toward your goals
3
Why Portfolio Advisor?
WW Our
objective process begins with your TIAA-CREF Advisor, who is
supported by a full complement of investment professionals to help you
build a personalized investment game plan.
WW Your
Advisor is available to provide personalized support through the
investment profile and investment goal assessment phase.
WW TIAA-CREF’s
investment professionals follow a disciplined process,
providing asset allocation and security recommendations through
in-depth research.
WW We
rebalance your portfolio as needed to maintain consistent asset
allocation through time.
WW Initial
security selection, ongoing review and, if necessary, position
replacement is all performed on your behalf.
WW Portfolio
Advisor manages and monitors your investments to help you
pursue your long-term investment goals.
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It’s time to see what your
portfolio should look like.
We’re talking to clients about how Portfolio Advisor can help
them maximize their chances of reaching investment goals.
Whatever your goals—saving for retirement, saving for a
child’s education, generating income in retirement, or another
goal—have a talk with us. We can help you make a plan to
help achieve your most important financial goals.
Find out if Portfolio Advisor is right for you. If you
are an Individual Advisory Services client with an
assigned advisor, please call him or her directly.
Otherwise, please call us at 800 927‑3059.
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Investment, insurance and annuity products are not FDIC insured, are not bank
guaranteed, are not deposits, are not insured by any federal government agency, are not a
condition to any banking service or activity, and may lose value.
Please keep in mind that no method of investing can ensure a profit or protect against loss.
Portfolio Advisor is a fee-based investment advisory managed account service offered through Advice
and Planning Services, a division of TIAA-CREF Individual & Institutional Services, LLC, a registered
investment adviser.
©2015 Teachers Insurance and Annuity Association of America-College Retirement Equities Fund
(TIAA-CREF), 730 Third Avenue, New York, NY 10017
C16717
141006375
404521_508103
A13267 (01/15)