TIAA-CREF this week will introduce live transactional capabilities on the Internet. Participants also will be able to get account information, perform asset allocation changes and change contribution levels. The same functions are available on a voice-response system. The Inter/ACT system will not, however, allow participants to request loans or transfer assets from TIAA-CREF to another manager. TIAA-CREF officials said the new system will create significant cost savings.