Search found 9 matches

by PDXBogle
Mon Aug 07, 2017 4:58 pm
Forum: Investing - Help with Personal Investments
Topic: How or if to use TIAA annuity
Replies: 32
Views: 2170

Re: How or if to use TIAA annuity

The TIAA.org web site has a page / PDF that explains all the versions of TIAA traditional that you have in less that 2 pages of tables. Can you find it? No I didn't find this. I found a wordy 15 page doc, that seemed to break it down but very confusing. https://www.tiaa.org/public/pdf/RC_Comparison...
by PDXBogle
Mon Aug 07, 2017 4:49 pm
Forum: Investing - Help with Personal Investments
Topic: How or if to use TIAA annuity
Replies: 32
Views: 2170

Re: How or if to use TIAA annuity

House Blend wrote: The ones paying 3.25% you can transfer in/out.
Thanks, that was what I was beginning to suspect.
by PDXBogle
Mon Aug 07, 2017 4:48 pm
Forum: Investing - Help with Personal Investments
Topic: How or if to use TIAA annuity
Replies: 32
Views: 2170

Re: How or if to use TIAA annuity

livesoft wrote:The TIAA.org web site has a page / PDF that explains all the versions of TIAA traditional that you have in less that 2 pages of tables. Can you find it?
No I didn't find this. I found a wordy 15 page doc, that seemed to break it down but very confusing.
by PDXBogle
Mon Aug 07, 2017 4:46 pm
Forum: Investing - Help with Personal Investments
Topic: How or if to use TIAA annuity
Replies: 32
Views: 2170

Re: How or if to use TIAA annuity

If this account has $75K, wouldn't it exceed your current allocation to fixed income if you moved it all into 4% Traditional? My intent was not to move it all. Don't think I stated I would. I explained the higher ERs of this account because the non-annuity funds would have to be in those. What I'm ...
by PDXBogle
Mon Aug 07, 2017 3:04 pm
Forum: Investing - Help with Personal Investments
Topic: How or if to use TIAA annuity
Replies: 32
Views: 2170

Re: How or if to use TIAA annuity

ResearchMed wrote:
BTW, are you sure the 4% is *guaranteed* or is it a guaranteed 3% with the extra 1% for current money invested?

RM


I believe you are correct, looks like 3% guaranteed. Current it 4%.
by PDXBogle
Mon Aug 07, 2017 2:42 pm
Forum: Investing - Help with Personal Investments
Topic: How or if to use TIAA annuity
Replies: 32
Views: 2170

Re: How or if to use TIAA annuity

I'm combing through the docs and found this:
"all withdrawals and transfers from the account must be paid in ten annual installments". Which if I'm reading right means I can't move money around on a whim...not that I do normally.
by PDXBogle
Mon Aug 07, 2017 2:15 pm
Forum: Investing - Help with Personal Investments
Topic: How or if to use TIAA annuity
Replies: 32
Views: 2170

Re: How or if to use TIAA annuity

depends upon the particular flavor of TIAA Traditional that your plan has access to. That hits at my next question, she has a variety of plans available. The differences aren't clear to me. This account in question has: 1) TIAA Traditional Annuity - Group Retirement Annuity 4% 2) TIAA Traditional A...
by PDXBogle
Mon Aug 07, 2017 1:20 pm
Forum: Investing - Help with Personal Investments
Topic: How or if to use TIAA annuity
Replies: 32
Views: 2170

How or if to use TIAA annuity

Wife (43yo) and I (45yo) have ~$650k spread across variety of 401k, 403b and rIRAs. 69% US, 21% Intl and 10% Bond. Plus I have a "portable" pension account from a previous employer which is really a 4% annuity, which I consider a bond substitute worth ~$45k and a traditional pension that will pay $1...
by PDXBogle
Fri Aug 04, 2017 1:10 pm
Forum: Investing - Theory, News & General
Topic: Roth IRA vs 401k Asset Allocation
Replies: 10
Views: 1618

Re: Roth IRA vs 401k Asset Allocation

Sorry to dredge this one up from the past, but it seems like people are getting wrapped around issues that don't matter. Pre and post retirement tax rates don't matter. In any scenario you are maxing your 401k and Roth IRA so lets say $18000 and $5500 respectively. And you want 10% in bonds and 90% ...