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Rob · 02-08-2009, 07:59 AM

Most of my money with TIAA-CREF are self-remitters. The only 403(b) I have is from a school I taught a in the early 1980's. Therefore, the options you have I clearly do not have. I will not elaborate here, but suffice to say, I am limited. Period.

I will get social security, I have a considerable amount in my CREF portion of TIAA-CREF which will not be touched until I am past 70, and part-time teaching or even full time teaching for short periods overseas is a distinct possibility. My question is if it is worth playing games and doing the "interest only" for a year or two only to find out that the annuity payouts have not changed much over two years due to TIAA investing in long term low interest investments. I would think that would limit what TIAA can pay out EVEN if interest rates rise dramatically.

Rob

02-08-2009, 07:59 AM	#4
Rob Recycles dryer sheets Join Date: Nov 2004 Posts: 83	Most of my money with TIAA-CREF are self-remitters. The only 403(b) I have is from a school I taught a in the early 1980's. Therefore, the options you have I clearly do not have. I will not elaborate here, but suffice to say, I am limited. Period. I will get social security, I have a considerable amount in my CREF portion of TIAA-CREF which will not be touched until I am past 70, and part-time teaching or even full time teaching for short periods overseas is a distinct possibility. My question is if it is worth playing games and doing the "interest only" for a year or two only to find out that the annuity payouts have not changed much over two years due to TIAA investing in long term low interest investments. I would think that would limit what TIAA can pay out EVEN if interest rates rise dramatically. Rob