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"SRA" in this case means Supplemental Retirement Annuity. I am allowed to start contributing to one of the TIAA-CREF funds from the 1st day of work. The company doesn't kick in anything until after 2 years of work, whereupon it starts kicking in 10% of my salary to the TIAA-CREF fund of my choice.

The CoolNewJob offers its retirement plans (403b's) thru TIAA-CREF - you were right on the money with that. I will make certain that I examine expenses as well as tax savings.

I have a Roth IRA at Citibank that has been sitting there for 5 years - 700 bucks untouched, underutilized. I would like to take that and roll it into a Vanguard index fund, but I'm probably a year away from funding that properly, as I have debt to eliminate.

I have heard bad things about annuities, which is why I avoid looking at them.
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