What is the difference between tiaa cref and fidelity

Domestic and international stock funds, bond funds, money market funds and real estate funds are available, along with a guaranteed fixed annuity and socially responsible funds. Several Vanguard funds are also available and a brokerage link is also available that allows you to select mutual funds outside the TIAA family. This is the share class with the lowest management fees and expenses TIAA offers.

The lower fees mean more of your money remains in your account to work toward your financial future, and your retirement account balances have more earning potential. Schedule a personal counseling appointment: , Monday - Friday, a.

TIAA tools and calculators. TIAA financial education. Withdrawals, rollovers, and direct transfers are available through the TIAA Transfer Payout Annuity, which makes payments over a nine-year and one day period ten payments. However, lump-sum or single-sum withdrawals and rollovers of these lump-sum or single-sum withdrawals are available to former employees if taken no later than days after termination of employment, subject to a 2. The lump-sum or single-sum withdrawal is not available beyond days after termination of employment.

In addition, at any point after termination of employment, distributions from the TIAA Group Retirement Annuity are available through a fixed period annuity that can last from five to thirty years, based on your choice of time periods and depending on availability according to IRS rules and regulations and subject to the limits on cash withdrawals to former employees. Distributions made through the fixed period annuity are eligible for rollover if the payment received is for a period of less than 10 years, according to current IRS rules and regulations.

For more information, contact TIAA at Fidelity Investments was founded in by Edward C. Johnson II and today is the largest mutual fund company in the world.

The University of Michigan added Fidelity Investments to its retirement plan in Fidelity Investments offers over mutual funds, including domestic and international stock funds, bond funds, money market funds and real estate funds. In addition, the Select Portfolio Funds allow you to invest in highly specialized sectors of the economy. Several Vanguard funds are also available and a brokerage link is also available that allows you to select mutual funds outside the Fidelity family.

View Fidelity investment options for the U-M retirement savings plans. Class W is the share class with the lowest management fees Fidelity offers for the Freedom Funds. The low fees mean that more of your money goes to purchasing investments and you keep a higher percentage of the potential returns generated, which can help you reach your retirement goals faster.

Twenty-nine Fidelity fund options are available through the institutional Class K shares. These 29 funds have lower fees and expenses than their non-Class K counterparts but have the same investment strategy and risk. Note: Because Vanguard advocates a long-term investment approach, you may not exchange into a fund account for 60 calendar days after an exchange out of that fund account occurred. Please be aware that Vanguard may limit exchange privileges if it is determined that a participant is exchanging to the detriment of a fund.

Refer to the fund prospectuses for more detailed information. Surrender charges or limitations Fidelity Investments Typically, there are no limits on moving mutual funds between investment options or to another provider.

TIAA There are no surrender charges or limitations on any variable annuity or mutual fund accounts. Balances in the Group Retirement Annuity contracts are fully available within the first days after termination of employment with a 2.

The Vanguard Group Typically, there are no limits on moving mutual funds between investment options or to another provider. Contact Vanguard for additional information. Participant Fee Disclosure Notice The Participant Fee Disclosure Notice, required by the Department of Labor, was developed to help ensure that participants and also employees who are not participating or not yet eligible to participate receive sufficient information regarding their plan and the investment options available to them.

This publication contains information that can help you make informed decisions about any account you may have in the retirement plan and includes: Fees and expenses related to plan accounts Participant rights under the plan Rules related to providing investment direction Details about the plan's investment options, including investment-related fees and restrictions For most participants, this notice will be provided annually.

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