Search found 11 matches

by mgrimace
Mon Feb 17, 2020 7:41 pm
Forum: Personal Investments
Topic: 3 fund portfolio with TIAA funds from specific plan
Replies: 28
Views: 1902

Re: 3 fund portfolio with TIAA funds from specific plan

Alright, First, a sincere thank you student, jjustice and everyone for your patient explanations and rationale! I hope others visiting this thread find the discussion interesting and useful in making their own choices. Especially around some of the alternative options we went over. I personally sele...
by mgrimace
Sun Feb 16, 2020 11:23 am
Forum: Personal Investments
Topic: 3 fund portfolio with TIAA funds from specific plan
Replies: 28
Views: 1902

Re: 3 fund portfolio with TIAA funds from specific plan

Equity Index uses Russell 3000 in both CREF version and the mutual fund version. Since the CREF annuity version is actually cheaper, just use that. Great thanks! I updated my post above and the total ER drops about a point. So really, both options are mainly annuities with the same overall composit...
by mgrimace
Sun Feb 16, 2020 10:44 am
Forum: Personal Investments
Topic: 3 fund portfolio with TIAA funds from specific plan
Replies: 28
Views: 1902

Re: 3 fund portfolio with TIAA funds from specific plan

Personally, I would not bother with social choice. I will keep it simple with TIAA Traditional as fixed income (assuming you are comfortable with it) and use equity index and global for equity since you do not have a "cheap" international fund. Thanks, I totally agree, it seems like it's more troub...
by mgrimace
Sat Feb 15, 2020 2:59 pm
Forum: Personal Investments
Topic: 3 fund portfolio with TIAA funds from specific plan
Replies: 28
Views: 1902

Re: 3 fund portfolio with TIAA funds from specific plan

I assume you want 60/40 equity/fixed and do not care too much about international. For the second model, if you want 10% traditional, then you need the other 10% from SC; so you have 10% - TIAA Traditional 25% - CREF Social Choice R2 65% - TIAA-CREF Equity Index Fund Note that out of the 25% in CRE...
by mgrimace
Sat Feb 15, 2020 9:49 am
Forum: Personal Investments
Topic: 3 fund portfolio with TIAA funds from specific plan
Replies: 28
Views: 1902

Re: 3 fund portfolio with TIAA funds from specific plan

If it's not clear from whatever documention you have, check with your institution's HR office to find out which version(s) of TIAA Traditional you can contribute to. At both of the colleges where I worked, employ er contributions went into an illiquid version (RA or GRA) and employ ee contributions...
by mgrimace
Fri Feb 14, 2020 2:35 pm
Forum: Personal Investments
Topic: 3 fund portfolio with TIAA funds from specific plan
Replies: 28
Views: 1902

Re: 3 fund portfolio with TIAA funds from specific plan

My previous question still stands, but in summary, hypothetically it looks I have two model portfolios: The JJustice-Student Model: 80% - CREF Stock R2 (QCSTPX) (0.35) 15% - TIAA Traditional 5% - TIAA Real Estate (QREARX) (0.83) Average ER = 0.3215; 80/20 equity/fixed; 70/30 US/Int. The aristotelian...
by mgrimace
Fri Feb 14, 2020 1:32 pm
Forum: Personal Investments
Topic: 3 fund portfolio with TIAA funds from specific plan
Replies: 28
Views: 1902

Re: 3 fund portfolio with TIAA funds from specific plan

Thank you all again for your advice! I took a closer look at the CREF Social Choice R2 (QCSCPX) (0.29%). This one is certainly interesting , it's an annuity made up of: 42% US equity 31% US fixed income 18% int. equity 9% int. fixed Is this meant to be more of a catch-all/all-in-one solution here? I...
by mgrimace
Thu Feb 13, 2020 4:44 pm
Forum: Personal Investments
Topic: 3 fund portfolio with TIAA funds from specific plan
Replies: 28
Views: 1902

Re: 3 fund portfolio with TIAA funds from specific plan

Interesting that CREF Social Choice has the lowest ER of the stock funds, albeit by only 1 basis point. This is a rare case where you would not be paying more to screen out certain companies, if that appeals to you. Otherwise your choices look good. I have most of my fixed income allocation in TIAA...
by mgrimace
Thu Feb 13, 2020 4:32 pm
Forum: Personal Investments
Topic: 3 fund portfolio with TIAA funds from specific plan
Replies: 28
Views: 1902

Re: 3 fund portfolio with TIAA funds from specific plan

Since you only have retirement class mutual funds, I would just go with CREF Stock R2 or (TIAA-CREF Equity Index Fund Retirement Class + CREF Global Equities Account Class R2). The second choice is slightly cheaper. You have to decide whether it is worth having an extra fund. I would not use CREF G...
by mgrimace
Thu Feb 13, 2020 2:40 pm
Forum: Personal Investments
Topic: 3 fund portfolio with TIAA funds from specific plan
Replies: 28
Views: 1902

Re: 3 fund portfolio with TIAA funds from specific plan

As someone who started with TIAA in 1978 and has been happily retired with CREF and TIAA annuities for over six years, I would suggest the following three-fund plan--which actually has a fourth component in it. 1) CREF stock annuity account. This is a well-diversified global fund with 70% domestic ...
by mgrimace
Thu Feb 13, 2020 11:03 am
Forum: Personal Investments
Topic: 3 fund portfolio with TIAA funds from specific plan
Replies: 28
Views: 1902

Re: 3 fund portfolio with TIAA funds from specific plan

Hello, and thank you for this post!. Even though it's a few years later it's helpful for me as someone who is setting up a new TIAA-CREF 403(b) with similar options. However, my options are not entirely the same, hence my question: I'm wondering if anyone would be willing to take a quick look to app...