Search found 198 matches

by need403bhelp
Tue Jun 27, 2017 8:16 am
Forum: Personal Finance (Not Investing)
Topic: Public University (Texas) Retirement Options
Replies: 25
Views: 2184

Re: Public University (Texas) Retirement Options

txres wrote:Thank you so much. This helps a ton.I think you've answered all my questions so hopefully ill be good to go.


You're welcome and good luck with your new job!
by need403bhelp
Mon Jun 26, 2017 9:06 pm
Forum: Personal Finance (Not Investing)
Topic: Public University (Texas) Retirement Options
Replies: 25
Views: 2184

Re: Public University (Texas) Retirement Options

Thank you for the informative reply! Sounds like Fidelity it is. Can you tell me what it means when you are putting the ratios such as 3:1 FSIVX:DFEMX and 4:1 FSAIX:FSEVX. Also, how did you figure out that it would be those 5? I was struggling to get to that point, so this has been a huge help. Sor...
by need403bhelp
Mon Jun 26, 2017 8:41 pm
Forum: Personal Finance (Not Investing)
Topic: Public University (Texas) Retirement Options
Replies: 25
Views: 2184

Re: Public University (Texas) Retirement Options

Thank you for the informative reply! Sounds like Fidelity it is. Can you tell me what it means when you are putting the ratios such as 3:1 FSIVX:DFEMX and 4:1 FSAIX:FSEVX. Also, how did you figure out that it would be those 5? I was struggling to get to that point, so this has been a huge help. Sor...
by need403bhelp
Mon Jun 26, 2017 7:46 pm
Forum: Personal Finance (Not Investing)
Topic: Public University (Texas) Retirement Options
Replies: 25
Views: 2184

Re: Public University (Texas) Retirement Options

I'm new to bogleheads but as I'm a new employee of the UT System (previously a student) I had a few questions and came across this post in a search. I'll be going the ORP route as I'll only be with the institution for 4 years, so my question is whether to go with Fidelity, Voya, Lincoln, TIAA, or V...
by need403bhelp
Tue Jun 20, 2017 11:04 am
Forum: Investing - Theory, News & General
Topic: TREA/TIAA Real Estate - is investing without planning to "market time" ok?
Replies: 79
Views: 3899

Re: TREA/TIAA Real Estate - is investing without planning to "market time" ok?

To be fair, my TIAA-CREF rep hasn't been super helpful to date, although we've had limited interactions. Below is the exact email I sent him. I'm guessing he's going to want to chat on the phone, as seems to be his style. (The Fidelity rep seems much better about answering my questions promptly and...
by need403bhelp
Sun Jun 18, 2017 5:10 pm
Forum: Personal Consumer Issues
Topic: Password Managers
Replies: 58
Views: 2758

Re: Password Managers

I am also cheap! I'm a 1Password fan and I didn't know you could still get the "pay one time" version. Do you know if it syncs over iCloud as well? I may consider it—although my current setup is free and acceptable to me (see below). Looks like they do have an iCloud option. I've never us...
by need403bhelp
Sun Jun 18, 2017 3:47 pm
Forum: Personal Consumer Issues
Topic: Password Managers
Replies: 58
Views: 2758

Re: Password Managers

I am also cheap! I'm a 1Password fan and I didn't know you could still get the "pay one time" version. Do you know if it syncs over iCloud as well? I may consider it—although my current setup is free and acceptable to me (see below). Looks like they do have an iCloud option. I've never us...
by need403bhelp
Sun Jun 18, 2017 2:58 pm
Forum: Investing - Help with Personal Investments
Topic: TIAA Traditional Annuity - New 401a/403b option
Replies: 5
Views: 402

Re: TIAA Traditional Annuity - New 401a/403b option

A fairly recently thread on TIAA Traditional: https://www.bogleheads.org/forum/viewtopic.php?t=211688 Blog post regarding how it is similar to and different from a total US bond fund: http://collegeretirement.blogspot.com/2011/09/is-tiaa-traditional-good-deal.html Pertinent chart from above blog pos...
by need403bhelp
Sat Jun 17, 2017 8:00 pm
Forum: Investing - Help with Personal Investments
Topic: Annuities/Fixed Value instead of bonds as fixed income
Replies: 9
Views: 896

Re: Annuities/Fixed Value instead of bonds as fixed income

FYI, I am not 100% clear whether you are talking about the TIAA Traditional Annuity or some other fund. If you ARE talking about the TIAA Traditional Annuity, at least in our 403b/457 plan, the fully liquid GSRA version is a good deal, there are no commissions or fees to speak of, and I am using it ...
by need403bhelp
Sat Jun 17, 2017 7:13 pm
Forum: Personal Consumer Issues
Topic: Password Managers
Replies: 58
Views: 2758

Re: Password Managers

I really like the offline/standalone version of 1Password. Pay one time to buy it and use it forever (~$40). Can sync over Wifi or over Dropbox automatically between all devices. With that said, they are no longer "marketing" this option - still available but you have to email support to b...
by need403bhelp
Fri Jun 16, 2017 1:16 pm
Forum: Investing - Theory, News & General
Topic: TREA/TIAA Real Estate - is investing without planning to "market time" ok?
Replies: 79
Views: 3899

Re: TREA/TIAA Real Estate - is investing without planning to "market time" ok?

One of the first things that affects how you might want to react when (not if) TREA or any other investment drops ("want" meaning what your rational self puts in your IPS) is your need, willingness, and ability to take risk. If you are very close to retirement (so perhaps little or no nee...
by need403bhelp
Thu Jun 15, 2017 9:48 pm
Forum: Investing - Help with Personal Investments
Topic: TIAA traditional - what is it?
Replies: 16
Views: 913

Re: TIAA traditional - what is it?

I recently had to learn about the TIAA Traditional as well. The below thread is very helpful: https://www.bogleheads.org/forum/viewtopic.php?t=211688 The main caution is that there are many different types of TIAA Traditional. Some are illiquid so once you put money in you can only take it out over ...
by need403bhelp
Thu Jun 15, 2017 2:53 pm
Forum: Investing - Help with Personal Investments
Topic: Disability Ins- Resident physician
Replies: 5
Views: 473

Re: Disability Ins- Resident physician

insuringincome.com , recommended by WCI, has a useful feature in that they will show you recent DI quotes that they have provided for different medical sub specialties. Beyond that, you could also post in the WCI forum, and some of the site-recommended disability insurance agents will likely chime in.
by need403bhelp
Thu Jun 15, 2017 12:25 pm
Forum: Investing - Theory, News & General
Topic: TREA/TIAA Real Estate - is investing without planning to "market time" ok?
Replies: 79
Views: 3899

Re: TREA/TIAA Real Estate - is investing without planning to "market time" ok?

It does not look like TIAA-CREF Lifecycle funds use TIAA Real Estate. In the recent past, they have used TH Real Estate: http://www.planadviser.com/TIAA-TDFs-Aim-for-Direct-Real-Estate/ a joint venture between Henderson and TIAA-CREF which TIAA-CREF now fully owns: https://realestate.ipe.com/news/f...
by need403bhelp
Thu Jun 15, 2017 9:36 am
Forum: Investing - Theory, News & General
Topic: TREA/TIAA Real Estate - is investing without planning to "market time" ok?
Replies: 79
Views: 3899

Re: TREA/TIAA Real Estate - is investing without planning to "market time" ok?

Thank you, bayview, for your thoughts and ResearchMed, for the information that the once-per-quarter withdrawals were present before 2008. Bayview, I do know that I need to decide ahead of time what to do with TREA in my IPS. That was what I was trying to say. Specifically, If you believe in TREA's ...
by need403bhelp
Wed Jun 14, 2017 9:09 pm
Forum: Investing - Theory, News & General
Topic: TREA/TIAA Real Estate - is investing without planning to "market time" ok?
Replies: 79
Views: 3899

Re: TREA/TIAA Real Estate - is investing without planning to "market time" ok?

Dear ***, Thank you, again, for your past advice! I had two questions about TIAA Real Estate. I realize this may result in a "let's schedule a phone call" reply ;) , but I thought I'd at least outline them below. Several individuals have advised me to allocate some assets to TIAA Real Est...
by need403bhelp
Wed Jun 14, 2017 9:08 pm
Forum: Investing - Theory, News & General
Topic: TREA/TIAA Real Estate - is investing without planning to "market time" ok?
Replies: 79
Views: 3899

Re: TREA/TIAA Real Estate - is investing without planning to "market time" ok?

This is just a general post, not in response to a particular post... 1. If you feel that real estate should be represented more specifically in your portfolio, and you are eligible for TIAA funds, TREA is an interesting option, quite different from REITs. 2. There does seem to be a possibility of s...
by need403bhelp
Wed Jun 14, 2017 8:44 pm
Forum: Investing - Theory, News & General
Topic: TREA/TIAA Real Estate - is investing without planning to "market time" ok?
Replies: 79
Views: 3899

Re: TREA/TIAA Real Estate - is investing without planning to "market time" ok?

I am going to talk to my TIAA-CREF rep I regret talking to TIAA-CREF reps. There's rarely any point. My TIAA rep is knowledgeable and can connect to other people at TIAA for answers to any questions. Realistically TIAA is amazingly complicated and most people including me can't navigate the complet...
by need403bhelp
Wed Jun 14, 2017 2:34 pm
Forum: Investing - Theory, News & General
Topic: TREA/TIAA Real Estate - is investing without planning to "market time" ok?
Replies: 79
Views: 3899

Re: TREA/TIAA Real Estate - is investing without planning to "market time" ok?

On the other hand, the TREA market timers seem to suggest, SELLING TREA if TREA begins to drop significantly. The Market timing idea for TRE is just based on what happened in 2008/2009. I think in every other financial downturn since TRE was created, applying this market timing procedure would have...
by need403bhelp
Wed Jun 14, 2017 9:17 am
Forum: Investing - Theory, News & General
Topic: TREA/TIAA Real Estate - is investing without planning to "market time" ok?
Replies: 79
Views: 3899

Re: TREA/TIAA Real Estate - is investing without planning to "market time" ok?

Ok, thank you all for your very helpful replies. It sounds like TREA may not be a horrible investment and that most of you are not "actively" market timing it, at the very least, but may potentially respond to clues on bogleheads and/or Morningstar's forums to sell and may or may not do so...
by need403bhelp
Tue Jun 13, 2017 9:51 pm
Forum: Investing - Theory, News & General
Topic: TREA/TIAA Real Estate - is investing without planning to "market time" ok?
Replies: 79
Views: 3899

Re: TREA/TIAA Real Estate - is investing without planning to "market time" ok?

Why is this incorrect given your suggestion to "market time" TREA? I do not recall suggesting to "market time" TREA. I don't do it myself and have never done it myself. Thank you for the information. I guess I was actually referring to what you said in this post from your Madoff...
by need403bhelp
Tue Jun 13, 2017 9:31 pm
Forum: Investing - Theory, News & General
Topic: TREA/TIAA Real Estate - is investing without planning to "market time" ok?
Replies: 79
Views: 3899

Re: TREA/TIAA Real Estate - is investing without planning to "market time" ok?

You don't seem to be understanding the point others have made regarding TREA and timing. In theory - and this did work the in the one case where it came into play - you should be able to avoid losses almost entirely. You watch the commercial property price index (or your choice of measurement) and ...
by need403bhelp
Tue Jun 13, 2017 6:42 pm
Forum: Investing - Theory, News & General
Topic: TREA/TIAA Real Estate - is investing without planning to "market time" ok?
Replies: 79
Views: 3899

Re: TREA/TIAA Real Estate - is investing without planning to "market time" ok?

Thank you, livesoft and grok87, for your replies. For now, I am planning to hold my entire 9-10% fixed income allocation in 3% guaranteed fully liquid GSRA traditional annuity, so no risk of loss per se with inflation. For TIAA real estate, what about the following guideline for a 10% allocation: - ...
by need403bhelp
Tue Jun 13, 2017 4:42 pm
Forum: Investing - Theory, News & General
Topic: TREA/TIAA Real Estate - is investing without planning to "market time" ok?
Replies: 79
Views: 3899

Re: TREA/TIAA Real Estate - is investing without planning to "market time" ok?

You are missing that most people invested in a TIAA 403(b) don't pay any attention to their 403(b) investments. This is well documented. Your "everyone" doing market timing of TREA is probably less than 0.1% of the people who own bits of it. I see. That would still make it a bad (or uneth...
by need403bhelp
Tue Jun 13, 2017 4:31 pm
Forum: Investing - Theory, News & General
Topic: TREA/TIAA Real Estate - is investing without planning to "market time" ok?
Replies: 79
Views: 3899

Re: TREA/TIAA Real Estate - is investing without planning to "market time" ok?

Last post in this thread, and then I'll be patient and wait for a reply before posting again :wink: Basically, here is my concern with T-REA/TREA/TRE. My understanding of the three-fund portfolio and rebalancing is: if your investment in X is starting to decrease because prices for X are decreasing,...
by need403bhelp
Tue Jun 13, 2017 3:23 pm
Forum: Investing - Theory, News & General
Topic: TREA/TIAA Real Estate - is investing without planning to "market time" ok?
Replies: 79
Views: 3899

Re: TREA/TIAA Real Estate - is investing without planning to "market time" ok?

Along the lines of "what would TIAA do?," some interesting food for thought. I looked at the summary prospectus dated 10/01/2016 for the Lifecycle 2045 Fund ( http://prospectus-express.newriver.com/summary.asp?clientid=tiaabdpre&fundid=886315589 , bold added for emphasis): "Princi...
by need403bhelp
Tue Jun 13, 2017 1:18 pm
Forum: Investing - Theory, News & General
Topic: TREA/TIAA Real Estate - is investing without planning to "market time" ok?
Replies: 79
Views: 3899

Re: TREA/TIAA Real Estate - is investing without planning to "market time" ok?

This phrase caught my eye: "TIAA research showed that a 5% allocation to direct real estate improved risk-adjusted returns and retirement accumulations in most scenarios, while also reducing risk." What is the advantage of using 10% allocation, if TIAA uses a 5% allocation for their targe...
by need403bhelp
Tue Jun 13, 2017 10:11 am
Forum: Investing - Theory, News & General
Topic: TREA/TIAA Real Estate - is investing without planning to "market time" ok?
Replies: 79
Views: 3899

Re: TREA/TIAA Real Estate - is investing without planning to "market time" ok?

It is somewhat diversifying but not hugely so. Have to disagree with that. In 2008/2009 stocks were well into recovery mode by the time TRE was well into its downdraft. While the following is not a portfolio to hold, the diversification benefit is demonstrated by considering a 50-50 mix of VTSMX (t...
by need403bhelp
Tue Jun 13, 2017 9:39 am
Forum: Investing - Theory, News & General
Topic: TREA/TIAA Real Estate - is investing without planning to "market time" ok?
Replies: 79
Views: 3899

Re: TREA/TIAA Real Estate - is investing without planning to "market time" ok?

I have a very old 403(b) at TIAA from a former employer. I could not buy more TIAA Real Estate (TREA) so readily because I had only 2 investments in that 403(b) and could not add more. The two investments were the Real Estate Account and some TIAA Traditional Annuity that was undergoing a transfer ...
by need403bhelp
Tue Jun 13, 2017 9:31 am
Forum: Investing - Theory, News & General
Topic: TREA/TIAA Real Estate - is investing without planning to "market time" ok?
Replies: 79
Views: 3899

Re: TREA/TIAA Real Estate - is investing without planning to "market time" ok?

The "less of a downside" didn't help one unless they did market timing. Both VTSMX and TRE lost a lot of money ... just at different times. My reality was a that I didn't market time TIAA real estate, so when it dropped, I participated in that full drop. And I didn't market time VTSMX eit...
by need403bhelp
Tue Jun 13, 2017 9:15 am
Forum: Investing - Theory, News & General
Topic: TREA/TIAA Real Estate - is investing without planning to "market time" ok?
Replies: 79
Views: 3899

Re: TREA/TIAA Real Estate - is investing without planning to "market time" ok?

In unconventional success, david swensen argues for the following long-term portfolio: 30% us stocks 20% international stocks 20% real estate 15% treasuries 15% tips His argument is that, regardless of recent short term correlatiOns, these are distinct asset classes that give you the best shot at d...
by need403bhelp
Tue Jun 13, 2017 9:14 am
Forum: Investing - Theory, News & General
Topic: TREA/TIAA Real Estate - is investing without planning to "market time" ok?
Replies: 79
Views: 3899

Re: TREA/TIAA Real Estate - is investing without planning to "market time" ok?

It is somewhat diversifying but not hugely so. Have to disagree with that. In 2008/2009 stocks were well into recovery mode by the time TRE was well into its downdraft. While the following is not a portfolio to hold, the diversification benefit is demonstrated by considering a 50-50 mix of VTSMX (t...
by need403bhelp
Tue Jun 13, 2017 9:12 am
Forum: Investing - Theory, News & General
Topic: Emerging markets fund: DFEMX vs DFEVX vs FPMAX
Replies: 8
Views: 566

Re: Emerging markets fund: DFEMX vs DFEVX vs FPMAX

I overweight EM and almost all of it is in DFEVX. Value works well for EM and DFEVX has significant small exposure as well. DFEVX has a cap on single country exposure which mainly serves to limit your exposure to China. DFA also uses a negative momentum filter and patient trading. Overall, I think ...
by need403bhelp
Mon Jun 12, 2017 6:25 pm
Forum: Investing - Theory, News & General
Topic: Emerging markets fund: DFEMX vs DFEVX vs FPMAX
Replies: 8
Views: 566

Re: Emerging markets fund: DFEMX vs DFEVX vs FPMAX

DFEVX has a Morningstar style box of 45 20 05 14 03 01 09 02 00 That's certainly a value tilt. Is the small tilt significant? It's >3x the amount of small cap of the corresponding indexes, but still only 11%. I'm unclear when a tilt becomes significant. Thank you for your thoughts. Just so that you...
by need403bhelp
Mon Jun 12, 2017 5:34 pm
Forum: Investing - Theory, News & General
Topic: Emerging markets fund: DFEMX vs DFEVX vs FPMAX
Replies: 8
Views: 566

Re: Emerging markets fund: DFEMX vs DFEVX vs FPMAX

Well there's a downside to it. EM Value is a rough ride, even by EM standards. Got it, thank you so much. To be fair, my overall exposure would be low. Looking at international only (75% TCIEX/FSIVX plus 25% emerging markets fund), for DFEMX I have: 0% for all 3 of small value, core, and growth For...
by need403bhelp
Mon Jun 12, 2017 2:08 pm
Forum: Investing - Theory, News & General
Topic: Emerging markets fund: DFEMX vs DFEVX vs FPMAX
Replies: 8
Views: 566

Re: Emerging markets fund: DFEMX vs DFEVX vs FPMAX

Actually, the DFA funds have far less turnover than the Fidelity index - 4-6% vs 25%. The value fund is the most diversified in terms of number of companies and is the only one to get you Small Cap EM exposure (all Value). Got it, thank you so much. So do I understand correctly that I would have br...
by need403bhelp
Mon Jun 12, 2017 1:31 pm
Forum: Investing - Theory, News & General
Topic: TREA/TIAA Real Estate - is investing without planning to "market time" ok?
Replies: 79
Views: 3899

Re: TREA/TIAA Real Estate - is investing without planning to "market time" ok?

Thank you for sharing your thoughts. This was my worry about the ability to market time TREA - that if I don't market time it, I am basically subsidizing the market timers. How exactly do you market time it then? Or is it best NOT to own it at all if I don't want to market time (again, I was recomm...
by need403bhelp
Mon Jun 12, 2017 1:23 pm
Forum: Investing - Theory, News & General
Topic: Emerging markets fund: DFEMX vs DFEVX vs FPMAX
Replies: 8
Views: 566

Emerging markets fund: DFEMX vs DFEVX vs FPMAX

Dear All: Thank you so much for your help! I started a new thread as this is a pretty compartmental & separate question from my prior questions. If this is not appropriate, I am happy to delete/merge it- please let me know. I just realized, after some careful examination and discussion with Fide...
by need403bhelp
Mon Jun 12, 2017 11:31 am
Forum: Investing - Theory, News & General
Topic: TREA/TIAA Real Estate - is investing without planning to "market time" ok?
Replies: 79
Views: 3899

Re: TREA/TIAA Real Estate - is investing without planning to "market time" ok?

Perhaps the biggest appeal of TREA over other real estate investments is the ability to market time it. The quarterly appraisals necessarily lag the CRE market, so market timing to avoid the big drops is not rocket science. .20 of the .85 expense ratio of TREA is the liquidity guarantee from TIAA, ...
by need403bhelp
Mon Jun 12, 2017 9:46 am
Forum: Investing - Help with Personal Investments
Topic: Help w/403b & 457 - TIAA-CREF or Fidelity
Replies: 27
Views: 1441

Re: Help w/403b & 457 - TIAA-CREF or Fidelity

Since I will be rebalancing annually anyway, should I just move my and DW's Roth IRAs to VTSAX (ER 0.04) for simplicity? I guess the only issue is that, due to doing a backdoor into a new Roth account yearly (in case of any need to re-characterize, etc., which I admit is a little bit of a big hedge)...
by need403bhelp
Mon Jun 12, 2017 8:31 am
Forum: Personal Finance (Not Investing)
Topic: Public University (Texas) Retirement Options
Replies: 25
Views: 2184

Re: Public University (Texas) Retirement Options

Your TSA 403b can be Roth or pretax. That's the only one that has a Roth option. Thanks for the helpful information! For someone making $270k+, is there any reason to use the Roth option, when presumably one's income and thus tax rate in retirement will be lower? My understanding is that making thi...
by need403bhelp
Sun Jun 11, 2017 4:38 pm
Forum: Investing - Theory, News & General
Topic: TREA/TIAA Real Estate - is investing without planning to "market time" ok?
Replies: 79
Views: 3899

Re: TREA/TIAA Real Estate - is investing without planning to "market time" ok?

Ok, got it. I will be just starting to invest in TREA in late August and will plan to have it as 10% of my portfolio, which means it will be pretty small for at least the next few years (~$7200 invested per calendar year). I don't plan to exceed 10%. Again, my thinking was just a way to get slightl...
by need403bhelp
Sun Jun 11, 2017 2:24 pm
Forum: Investing - Theory, News & General
Topic: TREA/TIAA Real Estate - is investing without planning to "market time" ok?
Replies: 79
Views: 3899

Re: TREA/TIAA Real Estate - is investing without planning to "market time" ok?

As for TREA, the more you have in it as a percentage of your portfolio and/or as a dollar amount, the more you might want to consider keeping an eye on it with an exit strategy. I've been over 30% TREA but moved a bit into junk bonds recently and am now closer to 25%. I'm still over the $150k mark,...
by need403bhelp
Sun Jun 11, 2017 1:56 pm
Forum: Investing - Theory, News & General
Topic: TREA/TIAA Real Estate - is investing without planning to "market time" ok?
Replies: 79
Views: 3899

Re: TREA/TIAA Real Estate - is investing without planning to "market time" ok?

livesoft wrote:Ha! Ha! I recommend market timing bonds routinely on the forum. There will be an interesting opportunity this week with the FOMC meeting. :twisted:


Ok, got it. In that case, maybe I have just been reading the wrong threads :happy
by need403bhelp
Sun Jun 11, 2017 1:48 pm
Forum: Investing - Theory, News & General
Topic: TREA/TIAA Real Estate - is investing without planning to "market time" ok?
Replies: 79
Views: 3899

Re: TREA/TIAA Real Estate - is investing without planning to "market time" ok?

As such, I don't see any point in market timing bonds as they are basically meant to buffer against the above during accumulation. And that's your answer for TREA, too. Ok, thank you so much for the clarification! I was asking as I have never seen someone recommend market timing for bonds on this f...
by need403bhelp
Sun Jun 11, 2017 1:40 pm
Forum: Investing - Theory, News & General
Topic: TREA/TIAA Real Estate - is investing without planning to "market time" ok?
Replies: 79
Views: 3899

Re: TREA/TIAA Real Estate - is investing without planning to "market time" ok?

It is certainly not necessary to market time TREA. But the reason so many do is because it is so very easy to do and get good results. TREA lags behind the overall REIT market, so if the market is up or down, you can buy or sell TREA accordingly. But if you don't want to do this and simply want rea...
by need403bhelp
Sun Jun 11, 2017 1:38 pm
Forum: Investing - Theory, News & General
Topic: TREA/TIAA Real Estate - is investing without planning to "market time" ok?
Replies: 79
Views: 3899

Re: TREA/TIAA Real Estate - is investing without planning to "market time" ok?

I think it is OK, but let me ask a question for you: Do you think it is OK to invest in bond funds without planning to "market time"? Thank you for your thoughts. My approach to bonds is one that I inherited from someone's advice in a past thread. Basically, their point was that the bond ...
by need403bhelp
Sun Jun 11, 2017 12:33 pm
Forum: Investing - Theory, News & General
Topic: TREA/TIAA Real Estate - is investing without planning to "market time" ok?
Replies: 79
Views: 3899

TREA/TIAA Real Estate - is investing without planning to "market time" ok?

Dear All: Thank you so much for your past helpful replies! I have more or less figured out my allocations for my 403b (Fidelity) & 457 (TIAA-CREF) starting in late August. As I have access to TREA/TIAA Real Estate, it was suggested by a respected forum member that I allocate ~10% of my overall p...
by need403bhelp
Sat Jun 10, 2017 7:20 pm
Forum: Personal Finance (Not Investing)
Topic: Debit charge I didn't make ...
Replies: 20
Views: 1988

Re: Debit charge I didn't make ...

Another plug for capital one 360 (can you tell I love my account?). My debit card is always paused/disabled. If I need to use it for anything, I can instantly enable from the app or website, then disable again when I am done. Super convenient and avoids any possibility of fraud except during the few...
by need403bhelp
Sat Jun 10, 2017 8:53 am
Forum: Investing - Help with Personal Investments
Topic: Help w/403b & 457 - TIAA-CREF or Fidelity
Replies: 27
Views: 1441

Re: Help w/403b & 457 - TIAA-CREF or Fidelity

For completeness sake, I added all available offerings from both TIAA-CREF (excluding Traditional) and Fidelity below and in my original post. Thank you so much! TIAA-CREF: TIAA-CREF S&P 500 Index Fund (Institutional) (TISPX) (0.05%) Vanguard Short-Term Bond Index Fund Institutional (VBITX) (0.0...

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