Thank you for your input. I have a pension which covers all my retirement expenses but does not have inflation protection (COLA). The 403b money is just sitting there and I plan to use it down the road to fill in the gap that inflation causes. I am risk aversive by nature and that is why I keep all my money in a fixed account. I hate to give up 1% to move my money to TIAA-CREF but if things go south I assume there will be no US bail out for ING because it is a Dutch company. I am financially naïve and do not follow these things closely. If things start going very badly for ING do you think I’ll have enough warning so I can get my money out without losing any of my principal?
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