Hm, if she's not at the college level, she probably will not be able to do better than any member of the general public does with TIAA-CREF mutual funds. Most likely (and I'm just guessing here), her pension is locked into the state or municipal syatem she's in, and the vesting rules are whatever they are.But TIAA's Web site is www.tiaa-cref.org, and that's the place to start.
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