c******r
发帖数: 48 | 1 403 B 里面，有Retirement Annuities (RA) and Supplemental Retirement
Annuities (SRA)两个选择，具体区别在哪里呢？应该把钱放哪个呢？ | c******r
发帖数: 48 | 2 ding!
【在 c******r 的大作中提到】
: 403 B 里面，有Retirement Annuities (RA) and Supplemental Retirement
: Annuities (SRA)两个选择，具体区别在哪里呢？应该把钱放哪个呢？
| c*****x
发帖数: 429 | | c******r
发帖数: 48 | 4 是啊！放哪个好呢？
【在 c*****x 的大作中提到】
: TIAA-CREF?
| r***e
发帖数: 2539 | 5 应该不能选吧？
你自己存的吗还是学校给的？
【在 c******r 的大作中提到】
: 是啊！放哪个好呢？
| c*****x
发帖数: 429 | 6 I believe RA is for your employer's contribution, and SRA is for your own
contribution. You can decide how much to put into SRA each month from your
salary, subject to an annual limit of $16500. Amount into RA is typically
determined by your employer, and subject to a different annual limit.
One major difference between RA and SRA is TIAA Traditional, which is a bond
-like annuity with guaranteed return. In RA, TIAA Traditional earns higher
return, but has less liquidity (if you want to withdraw it or even transfer
to other funds in RA, you have to do it over ten years, or more precisely,
nine years plus one day, one tenth at a time).
If you don't invest in TIAA traditional (which I think you shouldn't as
there are surely other fixed income choices), then RA and SRA are mostly the
same. | c******r
发帖数: 48 | 7 多谢回复！
bond
transfer
【在 c*****x 的大作中提到】
: I believe RA is for your employer's contribution, and SRA is for your own
: contribution. You can decide how much to put into SRA each month from your
: salary, subject to an annual limit of $16500. Amount into RA is typically
: determined by your employer, and subject to a different annual limit.
: One major difference between RA and SRA is TIAA Traditional, which is a bond
: -like annuity with guaranteed return. In RA, TIAA Traditional earns higher
: return, but has less liquidity (if you want to withdraw it or even transfer
: to other funds in RA, you have to do it over ten years, or more precisely,
: nine years plus one day, one tenth at a time).
: If you don't invest in TIAA traditional (which I think you shouldn't as
| H*********s
发帖数: 2724 | |
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