Tiaa Traditional Fact Sheet

Tiaa traditional preserves the value of your savings. I wrote that tiaa cref the retirement plan of many university professors and administrators as well as others has escaped much of the increasing criticism of 401 k type plans. I recommend to clients that have tiaa traditional available and are conservative investors to consider allocating somewhere between 25 to 50 of their fixed income allocation to tiaa traditional.

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To clear up this issue it s helpful to explain the annuity as two separate phases with the first being the investment s accumulation phase and the second as the payout phase.

Tiaa traditional fact sheet. Tiaa cref traditional is just what it says a traditional old school gic from one of the three aaa rated insurance companies in the us. How in the world one would ever value the black box that is tiaa traditional is beyond me. Well it would be aaa but it seems companies can t be rated higher than their country and there s that s p treasury rating the lock up is not on the rate but on withdrawals which must be via annuitization or ten annual payments. For example younger investors with a 20 total allocation to fixed income might want to consider allocating 5 of their portfolio to tiaa traditional equivalent to 25 of their total fixed income.

Many upcoming retirees who have tiaa cref encounter confusion about how the tiaa traditional annuity option works and in particular how it works when you want to take your money out. So while i have little idea what exactly tiaa traditional holds the fact that it held up perfectly fine during the 2008 2009 meltdown is good enough for me. Tiaa cref lifecycle funds tiaa cref lifecycle funds retirement share class target date as of 09 30 2019 lifecycle 2025 fund 2 lifecycle 2020 fund 2 lifecycle 2015 fund lifecycle 2010 fund birth year 1959 1963 1954 1958 1949 1953 earlier 1948. Interest on accumulations credited to tiaa traditional annuities in the accumulating stage includes a.

Sipc only protects customers securities and cash held in brokerage accounts. In fact your balance will grow every day guaranteed. Request printed copy. I can t speak to the op s question regarding fair value vs.

Annuity contracts and certificates are issued by teachers insurance and annuity association of america tiaa and college retirement equities fund cref new york ny. A tiaa traditional ra contract prior to 2000 is currently credited with a 3 75 total interest rate. Our unique approach consistent with tiaa s overall mission may reward you with additional amounts of lifetime income the longer you have contributed to tiaa traditional. Tiaa cref individual institutional services llc member finra and sipc distributes securities products.

A number of academics with tiaa cref are even unaware that it is a 401 k type plan thinking that the growing criticisms of 401 k s don t apply to their situation.