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Old 11-25-2014, 06:43 AM   #21
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Ok target2019, thank you so much. If I'm understanding everyone correctly, stay away from the target date funds and focus on low cost index funds...correct?

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Old 11-25-2014, 06:54 AM   #22
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Originally Posted by target2019 View Post
Here's a link to all the TIAA-CREF funds:

That should help the discussion.

You mentioned a target date fund, and it looks like a pretty hefty expense ratio on those. You can do much better by setting your allocation and picking from the lowest cost index funds available.
Unfortunately we can't see the expenses of the non-TIAA-CREF funds available.

Yeah avoid the "lifecycle" funds they are expensive.

I'd probably use TIAA-CREF S&P500 Index as a core fund.

For the conservatively minded there is TIAA-Traditional Group Annuity which is probably paying close to 4% right now, but that varies according to plan. This is a low cost deferred income annuity and many people use it as their fixed income. In times of higher interest rates the declared rate goes up and I've see it at 8%. But don't use it until you understand exactly what you are buying and the restrictions it has.

“So we beat on, boats against the current, borne back ceaselessly into the past.”

Current AA: 75% Equity Funds / 15% Bonds / 5% Stable Value /2% Cash / 3% TIAA Traditional
Retired Mar 2014 at age 52, target WR: 0.0%,
Income from pension and rent
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Old 11-25-2014, 06:56 AM   #23
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Originally Posted by Bri Bri Burgs View Post
Ok target2019, thank you so much. If I'm understanding everyone correctly, stay away from the target date funds and focus on low cost index funds...correct?
I think nun has a similar idea. This should give you a 10-year graph of three index funds.

You would allocate your contributions to those three funds, for example. If you look at your other account where you have a target fund, or look at a specific target date fund anywhere, you'll see exactly how that fund allocates things. Take a look at the 2060 fund, and click on the portfolio tab. That shows something like 90% allocated to stock mutual funds, and 10% to bond index fund. Read up on allocations, and see what level of risk fits you.

You can always change your choices...
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Old 11-25-2014, 08:21 AM   #24
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Look at the Real Estate offering, but only if you have no other investment property. It holds actual real estate.

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