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Stable-Value (SV) Rates, 7/1/25

yogibearbullyogibearbull
edited June 28 in Fund Discussions
Stable-Value (SV) Rates, 7/1/25
TIAA Traditional Annuity (Accumulation) Rates
Across the board decreases of -25 bps.
Restricted RC 5.25%, RA 5.00%
Flexible RCP 4.50%, SRA 4.25%, IRA-101110+ 4.50%
TSP G Fund pending (previous 4.500%).

Options outside of workplace retirement plans include m-mkt funds, bank m-mkt accounts (FDIC insured), T-Bills, short-term brokered CDs.
#StableValue #401k #403b #TIAA #TSP
https://ybbpersonalfinance.proboards.com/post/2062/thread

Comments

  • Old_JoeOld_Joe
    edited June 27
    @yogibearbull- I dunno about that link that you posted up above... something about a com/post thread just doesn't smell right. On the other hand it is a stable-value situation, so maybe it's just normal.
  • yogibearbullyogibearbull
    @Old_Joe, this is posted monthly. I did notice that Category was wrong & I fixed it. Link should be open.
  • Old_JoeOld_Joe
    @yogibearbull- That was just a rather poor attempt at a pun. You should know better than to take me seriously by now. (I apologize for the annoyance.)
  • msf
    Until recently TIAA and CREF portfolios were only through work or to relatives.
    https://www.tiaa.org/public/pdf/e/eligibility_flyer_external.pdf (See green box)

    In March, TIAA opened up these investments to everyone via IRAs.
    https://www.tiaa.org/public/about-tiaa/news-press/press-releases/2025/03-10

    That makes it worth paying more attention to TIAA Traditional IRA rates. Also available now are TREA (TIAA Real Estate) and CREF portfolios including CREF Stock. I've always been fond of it (1/3 foreign, 2/3 domestic), though these days one can find similar funds, e.g. TQGEX.
  • yogibearbullyogibearbull
    edited June 29
    Great comments by @msf.

    TIAA has been changing with times. It has expanding into corporate 401ks, and as @msf mentioned, opened previously restricted TIAA IRA to all - TIAA Traditional (SVs), private real estate T-REA (not to be confused with REITs), CREF VAs.

    I call TIAA "Vanguard" of annuities. Many think that annuities are expensive, but the giant CREF Stock VA (a $125 billion fund you haven't heard about) has low-ERs to beat many regular/taxable funds: QCSTRX 40 bps, QCSTPX 30, QCSTIX 26. TIAA follows a combo approach so that portions of the portfolio are purely-indexed, enhanced-indexed and active. I think that IRAs can use only QCSTRX (40 bps) regardless of how much money you accumulate/rollover - may be that will change in future too*.

    Thanks to @Charles, since 2024, these tickers are also recognized by MFOP.

    *Edit/Add. I found that after 8/1/25, R3 classes will be used for CREF VAs in TIAA IRAs, so it will be QCSTIX (26 bps). See pg A3 in link below,
    https://www.tiaa.org/public/pdf/c/cref_rules_of_the_fund.pdf
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