TIAA offers two investment choices at present: the TIAA Traditional Annuity and the Real Estate Account. Both accounts are relatively stable investments.

The TIAA Traditional Annuity is the only investment option that offers a guaranteed return. The guaranteed level is generally low and can be changed, depending on prevailing market conditions. It provides an absolute bottom for those participants looking for a minimum return level, albeit well below existing market rates. (more…)

TIAA also offers the TIAA Real Estate Account. This option has been available since the fall of 1995. Although offered by TIAA, the Real Estate Account is a variable annuity. As one would expect, the Real Estate Account invests about 70 to 80% of its assets in real estate, with about 20% to 30% invested in bonds and money market instruments to provide short-term liquidity. Unlike the TIAA Traditional Annuity, TIAA Real Estate Account does not guarantee a return. (more…)

During your working career, your TIAA-CREF accounts will probably appear totally portable, subject to the incongruities between a Group Retirement Account and an Retirement Annuity accumulation. You may find that your investment choices at your new employer are more limited than they were formerly. Of course, when you are working at institution A, its rules will control the amounts of contributions and the vehicles available to you within and without TIAA-CREF. TIAA-CREF will keep track of all of your Retirement Annuity accumulations in both TIAA and CREF as you move from one institution to the next. (more…)

In this current mortgage crash situation, there is an increasing need to protect your home from foreclosure and to preserve your assets. In this case you need to find the information about some unemployment facts and figure. Perhaps unemployment protection insurance is the insurance that you are looking at the moment. But like many others, you are not sure about it and need to find lot of information prior to choose one.
Here are some basic facts of unemployment protection insurance you need to know.

The unemployment rate is increasing and the need for unemployment protection.

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