d**********1
发帖数: 267 | 1 新人一枚，大学ORP，退休金403B，一半选了tiaa-cref，全买的2050 life cycle
funds，今天看到有人说他家的annuity特别合适，但是我查了半天没查出个所以然来，
有人了解这个东西么？ |
d**********1
发帖数: 267 | 2 自己顶一下，求前辈讲讲。。。
【在 d**********1 的大作中提到】
: 新人一枚，大学ORP，退休金403B，一半选了tiaa-cref，全买的2050 life cycle
: funds，今天看到有人说他家的annuity特别合适，但是我查了半天没查出个所以然来，
: 有人了解这个东西么？
|
c***0
发帖数: 449 | 3 看看吧
http://www1.tiaa-cref.org/public/products-services/retirement/s
【在 d**********1 的大作中提到】
: 新人一枚，大学ORP，退休金403B，一半选了tiaa-cref，全买的2050 life cycle
: funds，今天看到有人说他家的annuity特别合适，但是我查了半天没查出个所以然来，
: 有人了解这个东西么？
|
c***0
发帖数: 449 | 4 Eligibility is a bit more permissive than has been indicated.
Here's the language re IRAs:
Am I eligible to open an Investment Solutions IRA?
You are eligible to open an Investment Solutions IRA if you meet one or more
of the following requirements:
You’re currently an employee or trustee of an institution eligible for TIAA
-CREF retirement plans including all nonprofit institutions and government
entities organized in the United States.
You’re over 55, retired, and have worked for an eligible institution for at
least 5 years.
You have an existing TIAA-CREF Retirement, Group Retirement, or Supplemental
Retirement Annuity, Keogh, Teachers Personal Annuity or a TIAA Life
Insurance policy.
You’re the spouse or domestic partner of someone described in 1, 2, or 3
above. You’re also eligible if you received funds through a Qualified
Domestic Order (QDRO).
If you’re rolling over an account from an eligible institution that is
currently held with another investment company, you can open a new IRA to
receive the funds. This can include annual contributions made to a
Traditional IRA. Remember, a spouse or former spouse is not eligible to open
an IRA until the participant has established an IRA with TIAA-CREF.
It should be note that TIAA Traditional comes in multiple versions:
TIAA Traditional Annuity
Current
Rates 6 Rates of Return ending 02/28/2010 7
1 Year 3 Year 5 Year 10 Year Since
Inception 8
TIAA Traditional Annuity
Retirement Annuity and Group Retirement Annuity 4.00% 4.00% 4.92%
4.56% 6.57% --
Supplemental Retirement Annuity and Group Supplemental Retirement Annuity
3.00% 3.00% 4.17% 3.60% 5.99% --
IRAs and Keoghs 3.00% 3.00% 4.17% 3.60% 5.99% --
Retirement Choice 4.00% 4.00% 4.92% -- -- 4.55%
Retirement Choice Plus 3.00% 3.00% 4.17% -- -- 4.36%
Bob U.
【在 d**********1 的大作中提到】
: 新人一枚，大学ORP，退休金403B，一半选了tiaa-cref，全买的2050 life cycle
: funds，今天看到有人说他家的annuity特别合适，但是我查了半天没查出个所以然来，
: 有人了解这个东西么？
|
d**********1
发帖数: 267 | 5 恩4%-6%的长期收益率，其实很一般吧？？
more
TIAA
at
【在 c***0 的大作中提到】
: Eligibility is a bit more permissive than has been indicated.
: Here's the language re IRAs:
: Am I eligible to open an Investment Solutions IRA?
: You are eligible to open an Investment Solutions IRA if you meet one or more
: of the following requirements:
: You’re currently an employee or trustee of an institution eligible for TIAA
: -CREF retirement plans including all nonprofit institutions and government
: entities organized in the United States.
: You’re over 55, retired, and have worked for an eligible institution for at
: least 5 years.
|
M******e
发帖数: 4179 | 6 我理解是，
离退休很远的话，这个没优势。
如果快要退休了，既想保守安稳，又想有不错的收益，那就可以买这个annuity，比
bond的收益高一些。
【在 d**********1 的大作中提到】
: 恩4%-6%的长期收益率，其实很一般吧？？
:
: more
: TIAA
: at
|
g*********r
发帖数: 403 | |
x*******o
发帖数: 2581 | 8 Life cycle 比较好吧。而且他家对于大学的403B收取的手续费还特别低 |
