Rebalancing TIAA-CREF Holdings

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southpaw328
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Location: Pasadena, CA

Rebalancing TIAA-CREF Holdings

Post by southpaw328 » Wed Jan 31, 2018 12:55 pm

I am rebalancing my 403b offered by my employer. I felt pretty good about doing this on my own but thought I would ask to be sure.

Currently, my account is invested in these:

Equities:
CREF Global Equities R1 QCGLRX: ER 0.72%
CREF Growth R1 QCGRRX: ER 0.65%
CREF Stock R1 QCSTRX: ER 0.71%
TIAA Access Mid-Cap Growth Fund T4: ER 1.22%
Fixed Income:
CREF Inflation-Linked Bond R1 QCILRX: ER 0.65%
Guaranteed:
TIAA Traditional: ER n/a
Real Estate:
TIAA Real Estate QREARX: ER 0.85%

I want to rebalance (in order to make my families overall portfolio in the correct stock:bond ratio we desire of 80:20 and to reduce the expenses) to this:

Equity:
CREF Equity Index Account (R1) QCEQRX: ER 0.61%.

But on bond allocation, I can't decide between these two and would like input on which to use...

CREF Bond Market Account (R1) QCBMRX: ER 0.68%
or
CREF Inflation-Linked Bond Account (R1) QCILRX: ER 0.63%

They both seem to track pretty well with VBMFX (Vanguard Total Bond Market Index Fund Investor Shares). Do I simply go with the fund with a lower ER?

Thanks!

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Duckie
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Re: Rebalancing TIAA-CREF Holdings

Post by Duckie » Wed Jan 31, 2018 6:02 pm

southpaw328 wrote:I want to rebalance (in order to make my families overall portfolio in the correct stock:bond ratio we desire of 80:20 and to reduce the expenses) to this:

Equity:
CREF Equity Index Account (R1) QCEQRX: ER 0.61%
Good choice.
But on bond allocation, I can't decide between these two and would like input on which to use...

CREF Bond Market Account (R1) QCBMRX: ER 0.68%
or
CREF Inflation-Linked Bond Account (R1) QCILRX: ER 0.63%
I'd go with CREF Bond Market. I don't think you need a TIPS fund even though it is a smidgeon cheaper.

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Tyler Aspect
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Re: Rebalancing TIAA-CREF Holdings

Post by Tyler Aspect » Wed Jan 31, 2018 7:08 pm

TIAA-CREF Traditional is one of their best offerings. What is the guaranteed return on the CREF Traditional? You might find the guaranteed return higher than the current yield of the total bond market.
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The Wizard
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Re: Rebalancing TIAA-CREF Holdings

Post by The Wizard » Wed Jan 31, 2018 7:25 pm

Put half of your fixed income in restricted TIAA Traditional, paying 4.0% presently.
You're welcome...
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bikechuck
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Re: Rebalancing TIAA-CREF Holdings

Post by bikechuck » Wed Jan 31, 2018 7:34 pm

Tyler Aspect wrote:
Wed Jan 31, 2018 7:08 pm
TIAA-CREF Traditional is one of their best offerings. What is the guaranteed return on the CREF Traditional? You might find the guaranteed return higher than the current yield of the total bond market.
I could be wrong but I don't think there is a CREF Traditional. My understanding is that traditional is offered through TIAA and their mutual funds etc are considered CREF.

southpaw328
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Location: Pasadena, CA

Re: Rebalancing TIAA-CREF Holdings

Post by southpaw328 » Wed Jan 31, 2018 10:33 pm

I don't know much about the TIAA Traditional fund. There's not a lot of information about it. Just that it averages a 4% return.

As for my bond %, put half in TIAA Traditional and half into CREF Bond Market, or is the TIAA Traditional a different AA?

student
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Re: Rebalancing TIAA-CREF Holdings

Post by student » Wed Jan 31, 2018 10:51 pm

I use TIAA Traditional as my fixed income. Take a look at these threads.

viewtopic.php?t=211688

viewtopic.php?t=205688

viewtopic.php?t=214076

soulrebel
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Re: Rebalancing TIAA-CREF Holdings

Post by soulrebel » Thu Feb 01, 2018 1:44 am

FWIW, I just rebalanced mine. I'm no expert, but I've got about 31% guaranteed, 60% equities, 8% real estate*, 1% bond. The equities are split between VINIX (most), and VTSNX / VIEIX. Before, I had had a bigger split between TIAA traditional and bonds, but decided (after reading some threads here) to switch to that.

*Note: I have this high a percentage of it because I don't have much real estate in my other investment accounts, and because I've heard good things about the TIAA fund.

southpaw328
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Location: Pasadena, CA

Re: Rebalancing TIAA-CREF Holdings

Post by southpaw328 » Fri Feb 02, 2018 12:51 am

student wrote:
Wed Jan 31, 2018 10:51 pm
I use TIAA Traditional as my fixed income. Take a look at these threads.

viewtopic.php?t=211688

viewtopic.php?t=205688

viewtopic.php?t=214076
Perfect. Thank you so much and thank you to everyone else. I love these forums.

Sounds i'll likely be putting my 403b bond allocation into the TIAA Trad. or at least split 50/50 with the bond market fund.

southpaw328
Posts: 33
Joined: Wed May 10, 2017 11:33 am
Location: Pasadena, CA

Re: Rebalancing TIAA-CREF Holdings

Post by southpaw328 » Tue Feb 13, 2018 1:38 pm

Currently TIAA Trad is a Guarantee of 3% but currently yielding 3.834% according to my plan/contract info on My TIAA website.

Decided to put 20% of my 403b contributions into TIAA Trad and the other 80% in the CREF Equity Index.
Thanks for all the input.

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