QCSTFX

About QCSTFX

CREF Stock Account Class R4 is an actively managed variable annuity investment option designed to provide both long-term capital appreciation and investment income. The account primarily allocates at least 80% of its assets to a globally diversified portfolio of common stocks, spanning a wide range of market capitalizations and geographies. Portfolio management employs a multifaceted approach, blending active management, quantitative methods, and indexing strategies, which allows for flexibility and broad exposure to both domestic and international equity markets. This particular class, R4, is distinguished by its exceptionally low expense ratio, making it an attractive choice for institutional retirement plans seeking cost efficiency. It is engineered to support participants in building retirement savings and offers the unique feature of converting accumulations into lifetime income, thus addressing longevity risk for retirees. The account plays a significant role in the retirement savings landscape, especially among higher education and nonprofit institutions, by offering professionally managed, diversified equity exposure coupled with the potential for sustainable retirement income.