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<PAGE> PAGE 2
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<PAGE> PAGE 3
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<PAGE> PAGE 4
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<PAGE> PAGE 5
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<PAGE> PAGE 6
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<PAGE> PAGE 7
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<PAGE> PAGE 8
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<PAGE> PAGE 9
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<PAGE> PAGE 10
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<PAGE> PAGE 11
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<PAGE> PAGE 12
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<PAGE> PAGE 13
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<PAGE> PAGE 14
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<PAGE> PAGE 15
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<PAGE> PAGE 16
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<PAGE> PAGE 17
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<PAGE> PAGE 18
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<PAGE> PAGE 19
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<PAGE> PAGE 20
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028 C010400 23361
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<PAGE> PAGE 21
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068 A000400 N
<PAGE> PAGE 22
068 B000400 N
069 000400 N
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070 A020400 N
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070 E020400 N
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070 F020400 N
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070 G020400 N
070 H010400 Y
070 H020400 N
070 I010400 Y
070 I020400 N
070 J010400 Y
070 J020400 N
070 K010400 Y
070 K020400 N
070 L010400 Y
070 L020400 Y
070 M010400 Y
070 M020400 Y
070 N010400 Y
070 N020400 N
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070 O020400 N
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070 P020400 N
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070 Q020400 N
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070 R020400 N
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<PAGE> PAGE 23
072 J000400 0
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<PAGE> PAGE 24
074 U010400 21709
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015 A000501 STATE STREET BANK AND TRUST COMPANY
015 B000501 C
015 C010501 BOSTON
015 C020501 MA
015 C030501 02105
015 E010501 X
015 A000502 WESTPAC BANKING CORPORATIN
015 B000502 S
015 C010502 SYDNEY
015 D010502 AUSTRALIA
015 E040502 X
015 A000503 ERSTE BANK DER OESTERREICHISCHEN SPARKASEN AG
015 B000503 S
015 C010503 VIENNA
015 D010503 AUSTRIA
015 E040503 X
015 A000504 GENERALE BANK
015 B000504 S
015 C010504 BRUSSELS
015 D010504 BELGIUM
015 E040504 X
015 A000505 DEN DANSKE BANK
015 B000505 S
015 C010505 COPENHAGEN
015 D010505 DENMARK
015 E040505 X
015 A000506 MERITA BANK LIMITED
015 B000506 S
015 C010506 HELSINKI
015 D010506 FINLAND
015 E040506 X
015 A000507 BANQUE PARIBAS
015 B000507 S
015 C010507 PARIS
015 D010507 FRANCE
015 E040507 X
015 A000508 DRESDNER BANK AG
015 B000508 S
015 C010508 FRANKFURT
015 D010508 GERMANY
015 E040508 X
<PAGE> PAGE 25
015 A000509 STANDARD CHARTERED BANK
015 B000509 S
015 C010509 HONG KONG
015 D010509 HONG KONG
015 E040509 X
015 A000510 BANK OF IRELAND
015 B000510 S
015 C010510 DUBLIN
015 D010510 IRELAND
015 E040510 X
015 A000511 BANQUE PARIBAS
015 B000511 S
015 C010511 MILAN
015 D010511 ITALY
015 E040511 X
015 A000512 THE DAIWA BANK, LIMITED
015 B000512 S
015 C010512 TOKYO
015 D010512 JAPAN
015 E040512 X
015 A000513 STANDARD CHARTERED BANK MALAYSIA BERHAD
015 B000513 S
015 C010513 KUALA LUMPUR
015 D010513 MALAYSIA
015 E040513 X
015 A000514 MEESPIERSON N.V.
015 B000514 S
015 C010514 AMSTERDAM
015 D010514 NETHERLANDS
015 E040514 X
015 A000515 ANZ BANKING GROUP (NEW ZEALAND) LIMITED
015 B000515 S
015 C010515 WELLINGTON
015 D010515 NEW ZEALAND
015 E040515 X
015 A000516 CHRISTIANIA BANK OG KREDITKASSE
015 B000516 S
015 C010516 OSLO
015 D010516 NORWAY
015 E040516 X
015 A000517 BANCO COMERCIAL PORTUGUES
015 B000517 S
015 C010517 LISBON
015 D010517 PORTUGAL
015 E040517 X
015 A000518 THE DEVELOPMENT BANK OF SINGAPORE LTD.
015 B000518 S
015 C010518 SINGAPORE
015 D010518 SINGAPORE
015 E040518 X
015 A000519 BANCO SANTANDER, S.A.
<PAGE> PAGE 26
015 B000519 S
015 C010519 MADRID
015 D010519 SPAIN
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015 A000520 SKANDINAVISKA ENSKILDA BANKEN
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015 C010520 STOCKHOLM
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015 B000521 S
015 C010521 ZURICH
015 D010521 SWITZERLAND
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015 A000522 STATE STREET BANK AND TRUST COMPANY
015 B000522 S
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015 D010522 UNITED KINGDOM
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015 A000523 CANADA TRUSTCO MORTGAGE COMPANY
015 B000523 S
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015 D010523 CANADA
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015 A000524 NATIONAL BANK OF GREECE
015 B000524 S
015 C010524 ATHENS
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015 E040524 X
024 000500 Y
025 A000501 NOMURA SECURITIES
025 B000501 13-2642206
025 C000501 E
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025 B000502 13-5680329
025 C000502 E
025 D000502 48
025 A000503 DELETE
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<PAGE> PAGE 27
028 B020500 0
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<PAGE> PAGE 28
059 000500 Y
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<PAGE> PAGE 29
070 I010500 Y
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071 A000500 77368
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<PAGE> PAGE 30
072BB000500 4986
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015 A000601 STATE STREET BANK AND TRUST COMPANY
015 B000601 C
015 C010601 BOSTON
015 C020601 MA
015 C030601 02105
015 E010601 X
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<PAGE> PAGE 31
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<PAGE> PAGE 32
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<PAGE> PAGE 33
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<PAGE> PAGE 34
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<PAGE> PAGE 35
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SIGNATURE THOMAS LYNCH
TITLE VICE PRESIDENT
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<CIK> 0001030491
<NAME> TIAA-CREF
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<NAME> MONEY MARKET FUND
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<OVERDISTRIBUTION-GAINS> (406)
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<REALIZED-GAINS-CURRENT> (406)
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<DISTRIBUTIONS-OF-INCOME> (6976294)
<DISTRIBUTIONS-OF-GAINS> 0
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 231893540
<NUMBER-OF-SHARES-REDEEMED> (77118921)
<SHARES-REINVESTED> 6807830
<NET-CHANGE-IN-ASSETS> 161582043
<ACCUMULATED-NII-PRIOR> 0
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<TABLE> <S> <C>
<ARTICLE> 6
<CIK> 0001030491
<NAME> TIAA CREF
<SERIES>
<NUMBER> 2
<NAME> BOND PLUS
<S> <C>
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<SHARES-COMMON-STOCK> 15,052,690
<SHARES-COMMON-PRIOR> 5,788,193
<ACCUMULATED-NII-CURRENT> 21,632
<OVERDISTRIBUTION-NII> 0
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<OVERDISTRIBUTION-GAINS> (172,990)
<ACCUM-APPREC-OR-DEPREC> 2,015,947
<NET-ASSETS> 155,033,715
<DIVIDEND-INCOME> 0
<INTEREST-INCOME> 6,236,614
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<EXPENSES-NET> 315,088
<NET-INVESTMENT-INCOME> 5,921,526
<REALIZED-GAINS-CURRENT> 1,380,932
<APPREC-INCREASE-CURRENT> 1,588,693
<NET-CHANGE-FROM-OPS> 8,891,151
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<NUMBER-OF-SHARES-REDEEMED> (190,355)
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<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> (6,070)
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<PER-SHARE-NAV-BEGIN> 10.090
<PER-SHARE-NII> 0.560
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<PER-SHARE-DIVIDEND> (0.560)
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</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<CIK> 0001030491
<NAME> TIAA-CREF
<SERIES>
<NUMBER> 3
<NAME> GROWTH & INCOME
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<TABLE> <S> <C>
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<NAME> TIAA-CREF
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<NAME> GROWTH EQUITY
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<NAME> TIAA-CREF
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<NAME> INTERNATIONAL EQUITY
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<NAME> TIAA-CREF
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<NAME> MANAGED ALLOCATION
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