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TIAA-Traditional as bond substitute
Old 10-24-2015, 10:28 AM   #1
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TIAA-Traditional as bond substitute

If you have access to TIAA-Traditional you should consider it as an alternative to bonds. Make sure you know the current rates, but locking your money up for 10 years in exchange for 4% interest looks like a good deal in today's bond rate environment.

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Retired Mar 2014 at age 52
Target AA: 70% equity funds / 28% TIAA-Traditional/ 2% cash
Target WR: 0.0%,
Income from pension, rent, and eventually SS
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Old 10-24-2015, 12:07 PM   #2
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If you have access to a supplemental plan the current rate is 3.25% without the withdrawal restrictions. TIAA can be a viable option for some of the fixed account funds.
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