I would take any numbers posted with a grain of salt.* I have not kept close track of my investments for the last 10 years.* The problem is that computers come and go, software comes and goes.* There are only a couple of accounts that I have not added to nor removed from in the past 10 years so that I can believe the numbers on the fund's web site.* I wasn't using Quicken years ago, then when I switched computers it came with Money.* I have not bothered to transfer entries from one to the other.
CREF stock: 8.9%, TIAA guaranteed: 6.9%
The 10-year return of VFINX is claimed to be 9.9%.
In recent years since I've been paying attention to this, we have done better than the market (take that with a grain of salt*
For example, VFINX has an annualized rate of return of -2.4% for the last 5 years while our software shows 1.3% annualized return. So we "beat" the average market by 3.7% a year on average. And that's with little fixed instrument allocation. Take that with a grain of salt, too.