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  • 30 – SLIDE: THE NEW RULES OF INVESTING (RECAP)   So there they are—the new rules of investing:   You have to save to have savings. You need a truly well-diversified portfolio. Understand your risk tolerance. Slow and steady wins the race. The goal is to replace income. Rely on a trusted advisor.   Now, I’ve talked about all of these as “new” rules. But whether a rule is truly old or new depends, at least in part, on your perspective.

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  • AFTER THE FALL: INVESTING FOR RETIREMENT IN A POST-CRISIS MARKET Brett Hammond, Chief Investment Strategist October 1, 2009 Oberlin College
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  • GROSS DOMESTIC PRODUCT 1 Source: Bureau of Economic Analysis
  • INTEREST RATES 2 Source: Bloomberg
  • INFLATION 3 Source: Barclay’s Capital
  • JOB LOSSES 4 Source: Bureau of Labor Statistics
  • SAVINGS RATE 5 Source: Bureau of Economic Analysis
  • HOUSING 6 Source: Global Insight
  • COMMERCIAL REAL ESTATE 7 Source: NCREIF
  • COMMODITIES 8 Source: Global Insight
  • EQUITIES 9 Source: Global Insight 28.30% -42.21% NASDAQ Composite 9.97% -39.83% FTSE NAREIT Equity REIT 10.79% -31.93% Dow Jones Industrial Average 14.97% -37.00% S&P 500 15.75% -33.79%% Russell 2000 ® Index 25.51% -41.46% Russell Midcap ® Index 16.32% -37.31% Russell 3000 ® Index 8/31/2009 YTD 12/31/2008 YTD U.S. Equities Market Total Returns Russell Indices
  • FIXED INCOME Source: Barclays Capital 0 1 26.59% -16.16% Global Emerging Markets 7.22% -2.35% U.S. TIPS 7.85% 1.52% Municipal Bond 10-Year 12.90% -3.08% U.S. Credit -1.94% 12.39% U.S. Government 4.62% 5.24% U.S. Aggregate 8/31/2009 YTD 12/31/2008 YTD Fixed Income Market Total Returns Barclays Capital
  • THE VALUE OF THE DOLLAR Source: Morgan Stanley
  • PERSONAL INCOME Source: Bureau of Labor Statistics -2.2% 1.6% Ph.D. 5.6% 2.0% MBA, JD, MD -7.0% 8.9% Masters -5.6% 21.8% College Graduate -7.8% 27.9% Some College -3.9% 28.8% High School Graduate -0.1% 9.1% Not High School Graduate Earnings Growth Employment Share Group
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  • 1 You have to save to have savings THE NEW RULES OF INVESTING 2 You need a truly well-diversified portfolio 3 Understand your risk tolerance 4 Slow and steady wins the race 5 The goal is to replace income 6 Rely on a trusted advisor 05/05/10
  • IT’S NOT JUST “AFTER THE FALL” THAT’S IMPORTANT
  • Investments in variable annuities and mutual funds are subject to market risk and other risk factors. You should consider the investment objectives, risks, charges and expenses carefully before investing. Please call 877 518-9161 or log on to tiaa-cref.org for a current prospectus that contains this and other information. Please read the prospectus carefully before investing. This material has been prepared by and represents the views of Brett Hammond, and does not reflect the views of any TIAA-CREF affiliate. These views may change in response to changing economic and market conditions. The material is for informational purposes only and should not be regarded as a recommendation or an offer to buy or sell any product or service. TIAA-CREF Asset Management is a division of Teachers Advisors, Inc., a registered investment advisor and wholly owned subsidiary of Teachers Insurance and Annuity Association (TIAA). TIAA ® personnel in its investment management area provide investment advice and portfolio management services through the following entities: Teachers Advisors, Inc., TIAA-CREF Investment Management, LLC, and Teachers Insurance and Annuity Association® (TIAA ® ). TIAA, TIAA-CREF, Teachers Insurance and Annuity Association, TIAA-CREF Asset Management and FINANCIAL SERVICES FOR THE GREATER GOOD are registered trademarks of Teachers Insurance and Annuity Association. TIAA-CREF Individual & Institutional Services, LLC and Teachers Personal Investors Services, Inc., members FINRA, distribute securities products. ©2009 Teachers Insurance and Annuity Association-College Retirement Equities Fund, New York, NY 10017 C45732
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