Introduction: A Preview of Retirement Part One: Saving for Retirement
1 Getting There: A Look in the Rearview Mirror
2 How Much Do I Need to Save?
3 Do Investment Costs Matter?
4 Should I Invest in Index or Actively Managed Funds? 3
5 What Should My Mix of Assets Be?
6 Why Should I Diversify?
7 What Investing Principles Would Serve Me Well?
8 How Do I Build an Investment Portfolio?
9 What Role Should TIAA-CREF Retirement Annuities Play in My Investment Portfolio?
10 What Role Should TIAA-CREF Retirement Class
Mutual Funds Play in My Investment Portfolio? Part Two: Preretirement Considerations
11 Can I Afford to Retire?
12 Should I Purchase an Annuity?
13 When Should I Start Taking Social Security?
14 Do I Need Long-Term Care Insurance?
15 How Much Should I Set Aside for Health Insurance?
16 How Do I Put My Financial House in Order?
17 Should We Sell Our Home and Relocate?
18 Is a Reverse Mortgage Right for Me?
19 How Should I Use a Financial Planner?
20 Can I Count on TIAA-CREF’s Financial Services? Part Three: Creating a Pension Plan
21 How Do I Maximize My Retirement Income and
22 What Are My Income Options With TIAA-CREF?
23 Should I Incorporate a TIAA Traditional Payout Annuity Into My Pension Plan?
24 Should I Incorporate a TIAA-CREF Variable-Income Annuity Into My Pension Plan?
25 Should I Use Systematic Withdrawal as a Major Source of My Pension Income in Retirement? Part Four: Remaining Solvent
26 Mirror, Mirror on the Wall, What Is the Greatest Threat of All?
27 How Can I Protect My Nest Egg Against Huge Losses?
28 How Can I Protect My Nest Egg Against Fraud? Part Five: Beyond Retirement
29 What If I Finish in the Black?
30 Money, Happiness, and a Fulfilling Retirement Appendixes
B Possible Questions to Ask When Seeking Financial Advice
C Experiences With Vanguard’s Financial Planning Services
D Planning Tools & Calculators
E Special Issues for Women
F Must Reading for an Informed Investor
G Determining Minimum Distribution Requirement
H Operating Expenses for CREF Variable Annuity Accounts, 1997–2008
I Total Investment Costs for the CREF Variable Equity Accounts
K TIAA-CREF: Strengths, Shortcomings, and Needed Changes
L Formula for Calculating Annual Income Increases/Decreases From Variable Annuities
M Historic Returns: Worst Case, One Year
N Annual Income Changes for TIAA-CREF Variable Annuity Accounts, 1996–2005
O TIAA-CREF Variable Income Changes, 2001–2003
P Annual Review of Your Savings and Retirement Plan
About the Authors