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Teachers Insurance and Annuity Association – College Retirement Equities Fund (TIAA–CREF) is a Fortune 100 financial services organization that is the leading retirement provider for people who work in the academic, research, medical and cultural fields. TIAA–CREF serves 3.9 million active and retired employees participating at more than 15,000 institutions and has $502 billion〔(【引用サイトリンク】title=Mutual Fund Performance Chart - US SIF )〕 in combined assets under management (as of December 31, 2012). Much of TIAA–CREF operates on a not-for-profit basis, with surplus returned to participants. TIAA–CREF is headquartered in New York City in the United States and has major offices in Denver, Colorado; Charlotte, North Carolina; and Dallas, Texas; as well as seventy local offices throughout the U.S.. In 2013, TIAA–CREF ranked 97th on Fortune's list of the 500 largest corporations in America.〔(Fortune 500 2013: Full List - Fortune ). Money.cnn.com. Retrieved on 2013-08-21.〕 ==Profile== TIAA–CREF was created to replace the system of free pensions provided by Carnegie Foundation for the Advancement of Teaching for professors. When the original fund proved inadequate, TIAA was created in an Act of the New York State Legislature in 1918 as a stock life insurance company for the purpose of providing retirement income for professors through fixed premium guaranteed deferred annuity contracts. Later in 1952, CREF was created to allow professors to invest in the stock market through the nation's first variable annuity. Its core business continues to be retirement plan administration and annuity products. It is by far the largest manager of employer-sponsored 403(b) tax-sheltered annuity plans, a defined contribution retirement plan for employees of 501(c)(3) educational, religious, and charitable organizations. The company also offers 401(k) and 457 plans, Keogh plans, and Supplemental Retirement Plans. Contributions from these plans are typically invested in the company's traditional or variable annuities or its line of mutual funds. In recent years the company has greatly expanded its capabilities and advisory services and broadened clients' investment choices. Internally it has focused on developing customer support IT infrastructure and leadership development.〔(【引用サイトリンク】title=TIAA–CREF LEAD Initiative )〕 At the retail level, TIAA–CREF offers Traditional and Rollover Individual Retirement Accounts, Roth IRAs, mutual funds, after-tax annuities and life insurance (through TIAA–CREF Life), 529 college savings plans, Coverdell Education Savings Accounts, financial planning, and trust and investment management (through TIAA–CREF Trust Company, FSB). These investments are offered to the general public, and TIAA–CREF is no longer limited to the academic community.〔(【引用サイトリンク】title=Company History )〕 On the institutional side, TIAA–CREF Asset Management serves institutional investors and intermediaries, including registered investment advisors, investment-only defined contribution platforms and broker/dealers. While TIAA–CREF is considered to be an academic pension option at universities in the US, it is not associated with the concept of unions or organized labor (which traditionally sought and protected the pensions of workers in the US). So, if a worker's lifetime pension is affected at a university, TIAA–CREF is not operated as a party involved in labor-management or management-management disputes. 抄文引用元・出典: フリー百科事典『 ウィキペディア（Wikipedia）』 ■ウィキペディアで「TIAA–CREF」の詳細全文を読む スポンサード リンク
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