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Hi Paul,

Thanks for your reply.

"Traditional" means "Guaranteed" in TIAA/CREF.

I see what you mean, it depends on my situation and my goals -- I am concerned about having too much in equities, especially since my other retirement income will come only from Social Security (no pension).

I'm going to do some more research and maybe try to find a fee-only financial advisor who can help.

Thanks again!


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