Greg Shepard – S&A Financial Services, Inc.

The purpose of this video is to attempt clarifying the “guarantees” of TIAA Traditional in an intelligent manner.

A lot of you have done a great job in researching and doing your due diligence when it comes to the restrictions and rules surrounding TIAA Traditional, but get a little tripped up when it comes to the “guarantees.” This is absolutely understandable because the nuances of TIAA Traditional can be very confusing.

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email: greg@shepardfinancial.com

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*Disclosure* S&A Financial Services, Inc. is a registered investment advisor. Content presented is for informational purposes only and should not be considered as investment advice or as an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Always consult with your tax advisor or attorney regarding your specific situation….(read more)

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TIAA Traditional Guaranteed Explained

Are you looking for a secure and predictable way to invest your retirement savings? If so, you may want to consider TIAA Traditional Guaranteed, a fixed annuity offered by TIAA-CREF.

TIAA Traditional Guaranteed is a deferred annuity, which means that you contribute money now and receive payments later, typically in retirement. What sets TIAA Traditional Guaranteed apart from other annuity products is its guarantees. TIAA guarantees that your principal and interest will never decrease, no matter how the market performs. This means that your retirement savings are safe and secure, regardless of economic conditions.

How Does TIAA Traditional Guaranteed Work?

TIAA Traditional Guaranteed works by pooling the contributions of all investors. TIAA then invests the funds in a diversified mix of fixed income assets, such as bonds and mortgages. TIAA’s investment strategy focuses on generating consistent returns over the long-term, while minimizing risk.

In addition to the guarantees of principal and interest, TIAA Traditional Guaranteed also offers a minimum interest rate guarantee. Every year, TIAA declares a minimum interest rate that it will pay on all contributions made before that date. This means that even in low interest rate environments, TIAA Traditional Guaranteed provides a competitive return.

When you are ready to retire, TIAA Traditional Guaranteed provides several different payout options. You can receive a guaranteed income stream for life, or you can choose a lump-sum payout. You can also customize your payout options to include inflation protection or survivor benefits.

Why Choose TIAA Traditional Guaranteed?

There are several reasons why you may choose TIAA Traditional Guaranteed as a retirement savings vehicle. First and foremost, the guarantees of principal and interest provide peace of mind and security. TIAA has a long history of financial stability and has consistently met its obligations to its annuity holders.

Secondly, TIAA Traditional Guaranteed provides a competitive interest rate, even in low interest rate environments. This means that your retirement savings will grow over time, providing a steady source of income in retirement.

Thirdly, TIAA Traditional Guaranteed provides flexibility and customization in payout options, allowing you to tailor your retirement income to meet your specific needs.

Conclusion

TIAA Traditional Guaranteed is a fixed annuity that provides a safe and secure way to invest your retirement savings. With guarantees of principal and interest, a competitive interest rate, and flexible payout options, TIAA Traditional Guaranteed is a compelling option for those looking for a predictable and reliable source of retirement income. So, if you want to ensure a secure future, TIAA Traditional Guaranteed may be the right choice for you!