I would transfer it all into the TIAA Access TIAA-CREF Equity Index fund. From what I can tell, I think that one basically tries to track the entire US stock market, so it would be very similar to your investments in your nonretirement account. But if you had the ticker symbol for that fund, we could confirm this.
While the CREF funds have lower management fees, when I looked up the tickers for the CREF funds you provided, they all seem to be variable annuities, which I don’t really understand and so I stay away from.
So, if this:
TIAA Access TIAA-CREF Equity Index T4 (Level 4) (--) 0.80% / 0.80%
is the same as this fund:
https://www.tiaa.org/public/pdf/ffs/87244W508.pdfthen this is what I would move everything into.
As you get closer to retirement, you’ll probably want to add some bonds in.
Again if this:
TIAA Access TIAA-CREF Bond Plus T4 (Level 4) (--) 1.05% / 1.05%
is the same as this fund:
https://www.tiaa.org/public/pdf/ffs/886315506.pdfthen this is what I would use.
You would want to hold bonds only in your retirement account as opposed to your nonretirement account: since they generate taxable income it’s more advantageous to hold them in the tax deferred accounts.
Hope this helps! Good luck!