Has anyone begun a discussion on retirement options that TIAA-CREF offers?
1. Annuities - Not all are the same. Some are for life but if you die early you lose the rest. Payments continue even if you live longer than expected. Guaranteed regardless of whether the market goes up or down. Some with and without survivor rights.
2. Self management - Take out a monthly amount. Rebalance and reevaluate annually. Principal could go down and so could monthly check.
3. What advantages are there to keeping the funds at TIAA vs transferring them to say, Fidellity where there may be more options?
Just curious what others are doing and whether the choices they made are working or not working or whether they wish they had taken another approach.
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