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I'm sure we've all re-evaluated out AA and investing methods over the last couple of months. I've always been a fairly conservative investor in the 60/40 to 50/50 range, but even so I'm down around $150k and thinking about other investments.
I have access to a TIAA Traditional retirement annuity that is currently paying 5%. If I was to divert my savings to it from my current allocation of 50% Bond Market, 25% US Equity, and 25% International Equity index funds, I'd have an annuity that would pay me $17k a year at retirement. My annual expenses will be in the $30k range and I'll also have $15k from rent. I'm also fully funding a 457 and with my IRA I should have $500k in other investments at retirement.
I'm inclined to keep my funds out of the annuity as I like having access to my capital, does anyone differ?
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