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2. Yes, it is TIAA "Traditional." I misspoke. And it does have a payout calendar, although I need to check the details on that. (I started this back in 1975.) Maybe keeping a portion of it in a TIAA annuity will make sense after all.

You may not have a choice. The TIAA Tradition is not like an annuity where you can simply pay a surrender charge and get out early. If you are in the 'wrong' traditional account, there is simply no way around the 10 year withdrawal period.*

*It is actually 9 years and some number of days because of how they let you take money out, but basically no more than 10% withdrawal per year.

5. Absolutely agree: it is an awful time to put money to work, hence my dilemma. I stand at the plate with my bat on my shoulder waiting for the right pitch. And wait and wait.

If nothing else, absolutely get started on withdrawing from the TIAA Traditional. Get your 10% out while you decide what to do with that portion. No reason to delay that 10 year clock.
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