WSJ provides a broader societal perspective - https://www.wsj.com/us-news/hyundai-raid-rattles-a-hot-spot-of-growth-in-georgia-d1fcd585?st=BMFs3C&reflink=article_email_share
Are these the ones that are “eating the dogs… eating the cats” ?

@hank, Can you explain how you can turn off tax withholding "totally"?

@Derf - Ummm - I just stumbled through it after succeeding (over an hour or longer) to set up the online account. Once in the door it wasn’t hard. There’s an option somewhere to “Edit Voluntary Withholding”. After selecting that option you should see several withholding choices. Select “0” amount.
Here’s a cut & paste from a screen shot I captured: New Tax Withholding Rate: 0% (No withholding)
I had elected 15% in some prior year. Everybody’s tax situation is different. But I’ve always preferred to owe some $$ to the Feds April 15 rather than to get a refund which many prefer. Other than that I’ll refrain from commenting as not qualified on tax matters.

I have been filing Estimated Taxes forever and never thought of having social security withhold taxes. I do try to plan so that come April I owe nothing. I have been using a site called TAXCASTER during the year to estimate how we are doing. This year with all the changes I have found EFILE.Com which has something called “Tax Return Calculator Estimator for 2025.” May or may not be accurate. At least you have an idea what your Fed tax liability might be . YMMV.

@larryB I think were safe or so it seems.
Income Limits and Phase-Out Rules for Seniors
The new deduction for seniors is subject to income limits:
Full Deduction: Available to single filers with modified adjusted gross income (MAGI) of $75,000 or less, and to joint filers with $150,000 or less.
Phase Out: The deduction is gradually reduced at a rate of 6% of income above those thresholds. For example, a single filer age 65 with $100,000 of income would lose $1,500 of the $6,000 deduction, leaving $4,500.
Cutoff: This new deduction is eliminated entirely once income reaches $175,000 for single filers and $250,000 for joint filers.
I see nothing about working income.

From Nationwide's website:
https://nationwide.onlineprospectus.net/NW/921925608NW/index.php
...
"Vanguard Variable Insurance Fund Equity Index
Portfolio"

I think you meant:
https://nationwide.onlineprospectus.net/NW/921925301NW/index.php
The Nationwide link provided is to Vanguard VIF Equity Income not Equity Index
I'm also guessing that your Nationwide annuity is the (formerly Jefferson National) Monument Advisor annuity.
https://www.nationwide.com/nationwide-advisory/products/annuities/pages/monument-advisor
In looking at the prospectus, I see that Nationwide adds a 0.35% "low cost platform fee" to the fund's 0.14% ER for a total 0.49% annual fee including the annuity wrapper. Still low, but something to keep in mind if you look at the fund performance in isolation rather than at the fund performance inside the annuity.
(For other readers - Monument Annuity charges a flat $240/year for the annuity but for lower cost funds adds what amounts to a service fee. Other annuities usually charge a percentage fee for the annuity rather than a flat fee. And, like Monument, they may get also get kickbacks from various funds, e.g. from 12b-1 fees.)

TIAA/CREF VAs at MFO are longer than elsewhere, including at the TIAA website
TIAA website shows CREF Stock Account (all classes) back to fund inception, 7/31/1952. Like M*, for newer share classes, "the performance shown prior to the [share class'] inception date ... is based on the performance of the investment's older share class. "
All the CREF VAs (tickers, performance since inception, etc.) are shown here:
https://www.tiaa.org/public/investment-performance?defaultview=vaonly
You can find an individual page for any CREF fund at TIAA by inserting its ticker in the URL below. That page in turn contains a link to a factsheet for the particular fund.
https://www.tiaa.org/public/investment-performance/investment/profile?ticker=QCSTFX
Unlike most VAs, M* does serve up a separate page for each CREF VA (and for TIAA Real Estate). You need to enter the name in the search box and press enter. For example, searching for CREF Stock returns links to pages for each share class, R1 - R4.
https://www.morningstar.com/search?query=CREF Stock
These also go back to 7/31/1952. Unfortunately, the data M* provides once you go back a few decades is only monthly. So you won't be able to tell what the performance was between, say, 7/31/1952 and 8/15/1952. Still, given that qualification, the M* chart will give you a CREF fund's performance between any two months of your choosing.
I'd forgotten that the M* search also recognizes some Fidelity VIP for the Fidelity annuity funds. For example, M* uses FVIDX for Fidelity VIP Total Market Index, Initial Class. No one else, not even Fidelity, recognizes that pseudo-ticker. For that exact share class, Fidelity uses FTMKC internally.

Check MFO Premium (MFOP) for insurance funds (IFs).
https://ybbpersonalfinance.proboards.com/thread/539/mfo-premium
"MULTISEARCH can used for fund listed funds (OEFs, ETFs, CEFs) and proprietary Insurance Funds (IF-xxxx). For insurance funds, use Asset Universe – Insurance Funds and firm’s Name(s) – e.g. TIAA (or CREF or both separated by comma), Fidelity, Vanguard, Pimco (or Allianz or both separated by comma), etc. MultiSearch will only find tickers for the oldest classes (default, typically the investor or institutional classes; use More Basic Information to override); a click on a fund ticker will show its other classes along with lots of other information. There is also a QuickSearch with fewer options.
TIAA/CREF VAs are available for quotes, charting, portfolios/watchlists. Information on their Q-tickers (Yahoo Finance, StockCharts, TIAA website, etc) and MFO/Lipper IF-tickers is in the links below. Names for the CREF R1 and R3 classes are incorrectly switched. Histories available for TIAA/CREF VAs at MFO are longer than elsewhere, including at the TIAA website (now).
https://ybbpersonalfinance.proboards.com/thread/536/tiaa-cref-vas-mfo
https://www.mutualfundobserver.com/discuss/discussion/61774/tiaa-cref-vas-at-mfo"
In a later update, 6-characters Q-tickers for TIAA & CREF VAs are now recognized by MFOP,
https://ybbpersonalfinance.proboards.com/post/1405/thread

Wondering if anyone has a way of finding ticker symbols for mutual funds that are held in a variable annuity. In our case, these funds are held through Nationwide Annuity.
Here's one example:
From Nationwide's website:
https://nationwide.onlineprospectus.net/NW/921925608NW/index.php
From Vanguard's website:
Vanguard describes the fund as,
"Vanguard Variable Insurance Fund Equity Index
Portfolio"
https://advisors.vanguard.com/investments/products/0107/vanguard-variable-insurance-fund-equity-index-portfolio
The mutual fund equivalent ticker would be VEIPX / VEIRX, but the variable annuity has its own ticker which I would like to track daily on Yahoo Finance.

Fidelity has a free fund screener.
I looked for all bond fund (risk tab) + sorted by Sharpe ratio(risk/reward) + SD<2.
See this (<a href="https://fundresearch.fidelity.com/fund-screener/results/table/risk/sharpeRatio3Yr/desc/1?assetClass=TBND&amp;category=BL,CI,CL,CS,EB,GI,GL,GS,HY,IB,IP,MU,NT,PI,RR,TP,TW,UB,WH,XF,XP&amp;order=assetClass,category,standardDeviation&amp;standardDeviation=LS,2">link)
Then I switch to the overview tab, see (link).
To see 1,3,5 year performance.
The best funds for 3 years are
HOSIX leads the pack by a wide margin with Sharpe>3 and SD=1.28 and 3 years average of 9.1%. $49.95 fee at Schwab
LCTRX is great too. NTF at Schwab
CBLDX, SEMIX, SCFZX, DHEAX
The best for one year
HOSIX+DHEAX
For YTD
DHEAX, CBLDX, HOSIX

OP had a limited question. But posters have included broader solutions that may benefit general readers.
TIAA product that @msf mentioned is available only in TIAA plans and TIAA IRAs (recently made accessible to most). You will need an account at TIAA.
However, those inclined to go the annuity route may look at MYGAs - multi-year guaranteed annuities. Beware that once in an annuity, there are limited exists before 59.5 - not a limitation for older retirees. Insurance companies can offer better rates than CDs because the annuity money is almost captive, long-term money. Of course, 1035 exchanges are possible to other annuity providers on maturity or after the surrender periods expire.
https://www.annuityadvantage.com/annuity-rates-quotes/multi-year-guarantee-annuities/?sort=guarantee_period_yield&limit=20

DT:I am now considering adding some very low risk bond oefs

No fund achieved lower loss than 1.5% in 2020 + 2022 + performance over 4% since
1/1/2020.
Even RPHIX lost more than 3% in Q1/2020.
Since 2023, I no longer hold more volatile funds for months. Only short term for 1-2 weeks trades. Think ICMUX,PIMIX,RCTIX.
I have been holding funds with low SD with good performance.
Of course, I add timing and always near the exit.
Since early 2023 bond OEFS had one of the best performances for 2 years; several had very low SD and made 20% in 2 years. Think HOSIX, CLOZ which I held for many months.
ICMUX made more than HOSIX in these 2 years by 1%, but I preferred HOSIX.
chart (https://schrts.co/pMytFkvN)
2025 proved again that volatility can show up any time. The only way was to be out.
Since mid-April bond OEFs did great.
Bottom line: there are no funds with very low SD (under 1-1.5% loss any time) with good LT results that you can hold for years.
But, bond OEFs should perform well in the next 1-1.5 years.
So, looking at the last 3 years...
HOSIX would be a good choice with dist close to 6%. The manager, whom I spoke with, is about low SD.
SEMIX/SEMRX and DHEAX are also good and similar. SEMIX has lower SD per the chart.
Chart (https://schrts.co/CuANzpzj)
BUBIX looks good, but I prefer funds that can make 1-2, maybe 3% more annually.
Just YTD, the 3 funds I mentioned lost about 0.5%, but are 1-2% ahead of BUBIX.
Someone who is very risk averse and holds mostly bonds, would love to make another 2% more annually.
Disclaimer: currently, I don't own any of the funds above.

I'm not a big fan of ETFs, feeling that they have as many downsides as upsides. Still, trading high volume ultrashort ETFs seems to be much easier than trading most ETFs. Narrow spreads (a point or two) and good intraday price stability. So even market orders can get you fair prices. Just in case that is a concern of yours (it is for me).
A reason one might want to consider ETFs is that they open up a wider range of fund types. IG floating rate funds like FLOT and FLRN. (OEF floating rate funds are typically below IG.) AAA CLOs (I'm still on the fence with these and want to see how they react if/when the Fed drops rates) like PAAA.
Still thinking about what could replace CDs, you might also consider fixed annuities. They yield more than CDs. So they're reasonable substitutes in IRAs even though you don't get "extra" tax sheltering with them.
As yogi posted, TIAA's IRA annuity is currently yielding 4.0% and is liquid.
If you're looking to lock in rates for a few years, fixed rate annuities can get you rates north of 4% for 3+ years. See, e.g. Fidelity's rates. Fidelity sticks with sold rated issuers. You can get better rates by looking at less sound issuers, but that's taking on more risk.
Here are Schwab's rates. The first set of offerings, from Midland National, are somewhat higher. But Midland National is rated only A+ by all the ratings agencies, vs AA range or better for the other insurers.
The major downside of these fixed annuities is that you're locking in the investment for a period of years (3+ with Fidelity's offerings). Onerous penalties to get out early.

Here are a few other "low risk" bond oefs that I have retained on my M* Watchlists. You should remember that the M* risk numbers, noted by msf, are relative to the category the fund is in:
DBLSX, short term bond, Risk Score 5
BSBIX, short term bond, Risk Score 6
LALDX short term bond, Risk Score 9
FPFIX, nontraditional, Risk Score 9
HOSIX, Multisector, Risk Score 10
RSIIX, High Yield, Risk Score 8
WDHYX, High Yield, Risk Score 12
Ultra Short Term Bond funds are in a very low risk category, but I wonder if their total returns will start decreasing and fall below my 4% TR threshold, much like fixed income categories like CDs, due to their high usage of treasuries and investment grade bonds. If you subscribe to the falling interest rate scenarios, then maybe junkier bond oefs will benefit due to their higher correlation to equities. The M* risk numbers largely shadow Standard Deviation scores over past 3 years, but some of the riskier categories have some standout funds that handled risk much better than others.

Just posted all ratings to MFO Premium site, using Refinitiv data drop through Friday, 5 September 2025. Monthly flow tools updated through August and the daily FLOW tool updated through Friday.

These websites are using dynamic pages and blocking tools, so best to use a financial data API. You sign up for a free (or paid) key, and they provide you with structured, easy-to-parse data in a format like JSON.
Here is one example from
Alpha Vantage
You sign up on their website for a free API key. Then you make a simple HTTP request to a URL they provide, including the ticker symbol and your key. There is a limit on calls per day on free tier.
curl "https://www.alphavantage.co/query?function=TIME_SERIES_DAILY_ADJUSTED&symbol=VTI&apikey=YOUR_KEY&outputsize=full&datatype=csv"
Financial Modeling Prep (FMP) - free tier gets you 250 calls a day, which should be enough. If you want more it’s $240 a year.
This call gets from/to prices.
curl -s "https://financialmodelingprep.com/api/v3/historical-price-full/VTI?from=2024-01-01&to=2024-12-31&apikey=YOUR_API_KEY"

Lots of good funds mentioned here. We went through this exercise not too long ago. Here's my post from Aug 9 where I suggest PYLMX (mentioned by WABAC in this thread) and BBBIX and RPHIX (mentioned by Chinfist here). I also commented on the apparently ever popular NEAR.
https://www.mutualfundobserver.com/discuss/discussion/comment/196330/#Comment_196330
The testfolio comparison of those funds from my post: https://testfol.io/?s=0BFRT0Myjgd
Many of the funds mentioned in this thread have M* risk scores around 3-5 (out of 100). ICMUX (13) and RCTIX (9) are a little higher as reflected in their std of 3+. Of course the funds with intermediate durations, WCPNX (14), FSEC (16), and DODLX (21) tend to have a bit more risk.

A thought:
Putin has in his possession huge piles of kompromat on the Orange weasel. This is a sideswipe, indirect sabotage job on the US/S.Korea alliance. Putin wants to dismember any beneficial political and military arrangements which rival his own Mafia Don authority.
Also, this is the very reason why Orange Weasel hosted a War Crimes felon and offered him the red carpet, in Alaska.
https://icon2.cleanpng.com/20180629/krl/kisspng-otter-computer-icons-clip-art-weasel-5b36c495c7bfb6.1339408415303159258182.jpg

@Mark This NYT article seems to answer your questions with a yes and, then again, no. It may be a product of our outdated immigration policies and procedures that don't adequately accommodate foreign investment in factories and jobs inside the US. My comment related to the strategic importance of South Korea and, also, my own personal opinion that South Korea would work with the US to correct objectional business practices inside the US. We are still, so far as I know, intertwined.
South Koreans Are Swept Up in Immigration Raid at Hyundai Plant in Georgia

Warnock is spot-on. A dose of TRUTH. ...For a change.
*******************
I hope this thing is viewable for you all:

Look at WCPNX. I used to own it, but it was going nowhere fast. It was too tame for me. Solid, low risk. 4.85% current yield. Top 10 in portfolio is all Treasuries, except one listing of Fannie Mae.
https://www.morningstar.com/funds/xnas/wcpnx/risk

Thanks, I will take a closer look at this fund