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I want to thank you for your timely and most helpful post. My husband and I will roll our TSAs from VALIC to TIAA-CREF immediately. Wish we had done it years ago. We have been retired for 8 years, so we shouldn't have any penalties imposed by VALIC - hopefully.

The charts and employer letter we are passing on to a couple friends who are still teaching.

*Note: Windows 95 users. When I received the charts as an attachment, my computer couldn't read them. Sent them to my son who could read them on his Windows 98. He saved them to Windows 95 and sent them back to me - and I was able to read them.

Thank you. Charlotte
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