TIAA/CREF 和fidelity有什么区别没有？-第1页

smallapple

0操作1 ^#

TIAA/CREF 和fidelity有什么区别没有？

学校的退休金好像是这两种，它们有什么区别么？对于我们中国人来说，哪一种更好一些呢？

la.confidential

0操作2 ^#

No real difference.

smallapple

0操作3 ^#

那要是选的话怎么选呢？50%TIAA/CREF加50%fidelity？老拉有没有经验分享分享啊？

la.confidential

0操作4 ^#

TIAA/CREF and Fidelity are two companies, or fund families. The name by themselves doesn't mean anyhting. There must be more specific/detailed info.

savannah

0操作5 ^#

我也有相同的问题. 因为不太懂这些东西, 所以想省事点,选个不用花太多时间的.不知道 Fidelity Freedon 系列Found 怎么样?

smallapple

0操作6 ^#

正是因为orientation的时候没有给什么detail才犯愁的呢。什么都不懂的说。学校给的退休金package就是自己出工资的x%，学校给match另外y%，但是这x和y里面都还要自己决定是选TIAA还是fidelity，另外还可以自己再额外买工资的z%的TIAA or fidelity or combination of these two。我的情况是刚工作，欠了一屁股债，还没有买房子。初步的想法是先把债还了，再把买房的downpay存出来。最近4年左右应该不会换工作，但是以后就不一定了，而且说不定以后还想回国。这种情况下，这两个冬冬的选择有什么区别么？还有和楼上的mm同问，Fidelity Freedon 系列，尤其是freedom 2035怎么样啊？比自己选会不会要吃亏一些啊？

cucumber

0操作7 ^#

I am wondering it too. It seems that TIAA is some teacher's association. Does it mean we can only participate in it while working in schools?

小豆乖乖

0操作8 ^#

Per what I have learned, the two companies may not matter that much. TIAA-CREF is specialized for academic and research professionals. It is a not-for-profit organization so it may have lower fees (of course this does not matter at all if you don't do a lot of transactions). If you change job between schools, TIAA-CREF very likely can help you transfer your account to your new school.

By the way, smallapple you should ask a rep. to make sure you can use the money for house downpayment - I was told I could only use up to $10,000 for the first home purchase.

Per what a financial advisor said, the critical thing is asset location - how you allocate your money into different categories - some are more riskier with potentially higher return rate, some are almost risk-free but conceivably, lower return. I am really puzzled by how I should do the allocation. Can anyone experienced share any thoughts? [em04]

therefore

0操作9 ^#

以下是引用小豆乖乖在2005-9-2 20:37:00的发言：

Per what I have learned, the two companies may not matter that much. TIAA-CREF is specialized for academic and research professionals. It is a not-for-profit organization so it may have lower fees (of course this does not matter at all if you don't do a lot of transactions). If you change job between schools, TIAA-CREF very likely can help you transfer your account to your new school.

By the way, smallapple you should ask a rep. to make sure you can use the money for house downpayment - I was told I could only use up to $10,000 for the first home purchase.

Per what a financial advisor said, the critical thing is asset location - how you allocate your money into different categories - some are more riskier with potentially higher return rate, some are almost risk-free but conceivably, lower return. I am really puzzled by how I should do the allocation. Can anyone experienced share any thoughts? [em04]

What if you no longer work at a school? can you transfer your TIAA?