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Treasury bonds, which are generally considered among the safest of investments, face the risk that inflation will erode their principal and interest over time. Some kinds of risk apply to all investments; other risks only apply to certain types of securities. For example, the price of any publicly traded security, such as a stock or bond, may decline in response to general market or economic conditions.

In general, accounts that invest in stocks are subject to market risk and company risk. Bond accounts are subject to market risk, company risk, interest-rate risk and credit risk.

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An account that operates in a limited area of either the stock or bond markets is subject to additional, special risks. The glossary below describes the general risks outlined above, as well as the special risks described in the discussions of each account. We hope this information will help you make the investment choices best suited to your financial situation.

Extension risk is the risk that the value of certain fixed-income securities will decline because principal payments have not been made as early as possible.

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Foreign investment risks are the risks of investing in securities of foreign issuers, in securities or contracts traded on foreign exchanges or in foreign markets, or in securities or contracts payable in foreign currency. Foreign investing involves special risks, including erratic market conditions, economic and political instability, and fluctuations in currency exchange rates.

These investment risks may be magnified in emerging markets. Growth investing risks include the risk that, due to their relatively high valuations, growth stocks will be more volatile than value stocks. In addition, the value of growth stocks is generally a function of their expected earnings growth.

If that growth fails to occur or to be sustained, share prices can be adversely affected. Illiquid security risk is the risk that investments in illiquid securities may be difficult to sell for their fair market value. Income volatility risk is the risk that the level of current income from a portfolio of fixed-income securities may decline in certain interest-rate environments. Although certain accounts attempt to closely track the investment performance of their indexes, they may not duplicate the composition of these indexes.

Large-cap risk is the risk that, by focusing on investments in securities of larger companies, an account may have fewer opportunities to identify securities that the market misprices. In addition, larger companies may grow more slowly than the economy as a whole or not at all. Market risk is the risk that the price of securities may decline in response to general market and economic conditions or events. Reorganization risk is the risk that the stock of a company will lose value because the company is involved in a reorganization or some other special situation.

Risk of socially screened investing is the possibility that, because its social screens exclude some investments, an account will not be able to take advantage of the same opportunities or market trends as accounts that do not use such criteria.

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Also, the inflation index that a bond is intended to track may not accurately reflect the true rate of inflation. If the market perceives that an index does not accurately reflect inflation, the market value of inflation-indexed bonds could be adversely affected. In addition, an investment in an account that invests in inflation-indexed bonds is subject to certain special tax considerations.

Small-cap risk is the risk that the securities of smaller companies may experience steeper fluctuations in price than those of larger companies. These securities may also have to be sold at a discount from their current market prices or in small lots over an extended period. As a participant in any of the CREF accounts, you incur only one of two potential types of costs. You incur no transaction costs , including sales charges loads on purchases, on reinvested dividends or on other distributions. There are also no redemption fees or exchange fees.

However, you do incur ongoing costs , including investment advisory fees, administrative expenses, distribution 12b-1 fees, and mortality and expense risk charges. The examples that appear on the performance pages are intended to help you understand your ongoing costs in dollars of investing in each account. The examples are also designed to help you compare these costs with the ongoing costs of investing in other variable annuity accounts and mutual funds.

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You may use the information in this line, together with the amount you invested at the beginning of the period, to estimate the expenses that you paid over the six-month period. Do not use the hypothetical account values and hypothetical expenses to estimate the actual expenses you paid for the period. Instead, you can use this information to compare the ongoing costs of investing in an individual account with the ongoing costs of other variable annuity accounts and mutual funds.

Lifted by a strong global economy and robust corporate earnings growth, both U. The broad-based Russell Index climbed 5. Stocks reversed course in the second quarter, however, in reaction to worldwide concerns about higher energy prices and tightening credit. The Russell fell 1. Emerging-market stocks suffered the sharpest reversal, declining 4.

By maintaining nearly a quarter of its total assets in foreign stocks, the account produced a return that was higher than the 3. However, the account lagged its composite benchmark primarily due to several stocks that did not perform as anticipated. Teva was held as an American Depositary Receipt a receipt for shares of a foreign stock traded on a U. The negative effects of these holdings were partly offset by positive contributions from overweights in well-performing stocks such as Finnish energy company Fortum, French industrial giant Alstom and Italian car maker Fiat.

This variable annuity account seeks a favorable long-term rate of return through capital appreciation and investment income by investing primarily in a broadly diversified portfolio of common stocks.

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In addition to the risks of any equity investment, the account is subject to special risks, including foreign investment risks and small-cap risk. For a further discussion of risk, please see page 8. You cannot invest directly in these indexes. Performance as of June 30, Russell Index 1. Peer groups:. Morningstar Large Blend VA. The returns quoted represent past performance, which is no guarantee of future results.

Returns and the principal value of your investment will fluctuate. Current performance may be higher or lower than that shown above, and you may have a gain or a loss when you redeem your accumulation units. For current performance information, including performance to the most recent month-end, please visit www. CREF used the provisional version from July 1, through May 31, , and the returns shown above reflect this. Best quarter: The examples that appear below are intended to help you understand your ongoing costs in dollars of investing in the account.

They are also designed to help you compare these costs with the ongoing costs of investing in other variable annuity accounts and mutual funds. Please see page 10 for a full description of the assumptions on which these examples are based and an explanation of how you can use this expense information.

Actual return. We estimate expenses for the coming year based on projected expenses, asset levels and other relevant factors. These adjustments are made in equal daily installments over the remaining days of the new quarter. Portfolio breakdown by company size. Inception date. Diversification among world markets.