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Subject:  Re: Variable Annuities Date:  1/15/2001  4:58 PM
Author:  Mark0Young Number:  27204 of 80511

Currently, a little more than half of my retirement is going into CREF variable annuities

I have all of my 403(b) going into TIAA-CREF's "Group Supplemental Retirement Annuity" (TIAA-CREF-speak for 403(b) plans). They seem to be a pretty decent choice: decent "investment accounts", very low M&E fees (0.005%), low investment management expenses (almost as good as Vanguard), and web access for checking one's accounts and reblancing between "investment accounts".

Now they do tend to be somewhat on the conservative side, so if one wants to pick up aggressive, or a heavier weighting in small and mid caps, one has to look elsewhere. (I have taxable investments and Roth IRA elsewhere, where I can get more small, mid, and aggressive exposure.)

Like many 403(b) providers, they offer a range of "investment accounts", some stock based, some bond based, a real estate