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DH has an annuity with TIAA CREF through his employer (his employer contributes 10% of his salary to the annuity without him needing to match it). So far, he hasn't contributed at all to this fund, but wants to start saving for his retirement (he's 30).


Yes your husband has a VA with TIAA-CREF, but most of the negative things regarding VAs disappear when you deal with them.

Most of their VAs have no surrender charges, they all have low fees and low cost index funds.

I would suggest funding the Roth to the max and then look at funding your TIAA-CREF plan.

buzman
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