(https://www.audits2.ga.gov/reports/summaries/retirement-income-exclusion/)
Published: February 3, 2023.. QUOTE: "In 1981, Georgia enacted an income tax exclusion for retirement income received by taxpayers aged 62 years and over. Currently, taxpayers aged 65 and over may exclude up to $65,000, while those 62 to 64 (as well as those permanently and totally disabled) may exclude up to $35,000. The exclusion applies to retirement income such as capital gains, interest, and pensions, as well as up to $4,000 of earned income. Limits apply to individual taxpayers, so a married couple filing jointly may exclude twice the given limit. The exclusion is intended to induce retirees to live in Georgia and provide a boost to economic growth."
=================
Even if the difference is 0.2-0.4% annually why bother? I look for an easy way to trade without any hurdles. MM is a great holding place until the next trade and when I'm in, I invest at 99+%.
Most of our money is in IRAs (Roth+Rollover) anyway.

"Cutting losses quickly and letting profits run" is the right way.
1) It took me about 18 years (1995-2013) to get it until I got to a nice-size portfolio. In those years I was invested at 99+%. When the funds I owned lagged, I just switched to better-performing risk/reward funds.
2) In 2013, I added 2 new rules based on quicker market movements. Sell any stock/allocation fund if it loses more than 6% from the last top and sell any bond fund with more than 3% loss.
3) In 2017, one year prior to retirement, I implemented a new system, trading mostly bond funds. I would sell any bond fund before it reaches a 1% loss from the last top. Trading in/out is based on the big picture(risk is very high=out, otherwise=in) + uptrends.
Basically, I could be 99+% in or out. It's not about relative performance anymore, it's about protecting my portfolio first.

https://www.sec.gov/Archives/edgar/data/1480207/000119312523215984/d505325d497.htm
DoubleLine Multi-Asset Growth Fund
DoubleLine Funds Trust (the “Trust”)
DoubleLine Multi-Asset Growth Fund (the “Fund”)
Supplement dated August 18, 2023 to the Fund’s Summary Prospectus (the “Summary Prospectus”), Prospectus (the “Prospectus”) and Statement of Additional Information (the “SAI”), each dated August 1, 2023
This supplement provides new and additional information beyond that contained in the Summary Prospectus, Prospectus and SAI and should be read in conjunction with the Summary Prospectus, Prospectus and SAI.
The Board of Trustees of DoubleLine Funds Trust has approved a plan of liquidation for the Fund. The liquidation of the Fund is expected to take place on or about October 31, 2023 (the “Liquidation Date”). Effective after the close of business on September 1, 2023, the Fund’s shares will no longer be available for purchase by new investors or existing investors (other than qualified plans). Dividend reinvestments (where applicable) will continue until the Liquidation Date.
The proceeds per share to be distributed to each shareholder of record on the Liquidation Date will be the net asset value per share of the relevant class of shares of the Fund less any required tax withholdings, after all expenses and liabilities of the Fund have been paid or otherwise provided for. For U.S. federal income tax purposes, the receipt of liquidation proceeds will generally be treated as a taxable event and may result in a gain or loss. At any time prior to the Liquidation Date, shareholders of the Fund may redeem or, subject to investment minimums and other applicable restrictions on exchanges, exchange their shares of the Fund for shares of the appropriate class of another DoubleLine fund (if available) pursuant to the procedures set forth under “Other Account Policies—Exchange Privilege” in the Prospectus.
In anticipation of the liquidation of the Fund, DoubleLine Capital LP, the Fund’s investment adviser, may manage the Fund in a manner intended to facilitate its orderly liquidation and the Fund’s portfolio may be reduced to cash, cash equivalents or other short-term investments on or prior to the Liquidation Date. As a result, during this time, all or a portion of the Fund may not be invested in a manner consistent with the Fund’s stated investment strategies, which may prevent the Fund from achieving its investment objective.
The sale of portfolio holdings will result in the Fund realizing gains or losses, and the proceeds payable to shareholders will generally be subject to federal (and state or local, if applicable) income taxes if the redeemed shares are held in a taxable account and the proceeds exceed your adjusted basis in the shares redeemed. The Fund may also make a distribution of undistributed net income or capital gains prior to the Liquidation Date.
If the redeemed shares are held in a qualified retirement account, your account may not be subject to tax withholdings if you take certain actions. For example, if you hold your shares in an individual retirement account (an “IRA”), you have 60 days from the date you receive your proceeds to reinvest or “roll over” your proceeds into another IRA to maintain their tax-deferred status and avoid any required tax withholdings. You must notify the Fund’s
transfer agent at 877-DLine11 (877-354-6311) prior to the Liquidation Date of your intent to roll over your IRA account to avoid the automatic deduction of tax withholdings from your proceeds. If you do not notify the Fund’s transfer agent of your intent to roll over your IRA account prior to the Liquidation Date, the Internal Revenue Service requires that U.S. federal income tax of 10% be withheld from your account proceeds, and your account may also be subject to state or local required withholdings. You should consult with your tax advisor on the consequences of the redemption to you and any actions you may need to take.
Please contact DoubleLine Funds Trust at 877-DLine11 with any requests for additional information.
INVESTORS SHOULD RETAIN THIS SUPPLEMENT FOR FUTURE REFERENCE
-2-
==================================================================
https://www.sec.gov/Archives/edgar/data/1480207/000119312523215986/d514005d497.htm
DoubleLine Real Estate and Income Fund
497 1 d514005d497.htm 497
DoubleLine Funds Trust (the “Trust”)
DoubleLine Real Estate and Income Fund (the “Fund”)
Supplement dated August 18, 2023 to the Fund’s Summary Prospectus (the “Summary Prospectus”), Prospectus (the “Prospectus”) and Statement of Additional Information (the “SAI”), each dated August 1, 2023
This supplement provides new and additional information beyond that contained in the Summary Prospectus, Prospectus and SAI and should be read in conjunction with the Summary Prospectus, Prospectus and SAI.
The Board of Trustees of DoubleLine Funds Trust has approved a plan of liquidation for the Fund. The liquidation of the Fund is expected to take place on or about October 31, 2023 (the “Liquidation Date”). Effective after the close of business on September 1, 2023, the Fund’s shares will no longer be available for purchase by new investors or existing investors (other than qualified plans). Dividend reinvestments (where applicable) will continue until the Liquidation Date.
The proceeds per share to be distributed to each shareholder of record on the Liquidation Date will be the net asset value per share of the relevant class of shares of the Fund less any required tax withholdings, after all expenses and liabilities of the Fund have been paid or otherwise provided for. For U.S. federal income tax purposes, the receipt of liquidation proceeds will generally be treated as a taxable event and may result in a gain or loss. At any time prior to the Liquidation Date, shareholders of the Fund may redeem or, subject to investment minimums and other applicable restrictions on exchanges, exchange their shares of the Fund for shares of the appropriate class of another DoubleLine fund (if available) pursuant to the procedures set forth under “Other Account Policies—Exchange Privilege” in the Prospectus.
In anticipation of the liquidation of the Fund, DoubleLine Alternatives LP, the Fund’s investment adviser, may manage the Fund in a manner intended to facilitate its orderly liquidation and the Fund’s portfolio may be reduced to cash, cash equivalents or other short-term investments on or prior to the Liquidation Date. As a result, during this time, all or a portion of the Fund may not be invested in a manner consistent with the Fund’s stated investment strategies, which may prevent the Fund from achieving its investment objective.
The sale of portfolio holdings will result in the Fund realizing gains or losses, and the proceeds payable to shareholders will generally be subject to federal (and state or local, if applicable) income taxes if the redeemed shares are held in a taxable account and the proceeds exceed your adjusted basis in the shares redeemed. The Fund may also make a distribution of undistributed net income or capital gains prior to the Liquidation Date.
If the redeemed shares are held in a qualified retirement account, your account may not be subject to tax withholdings if you take certain actions. For example, if you hold your shares in an individual retirement account (an “IRA”), you have 60 days from the date you receive your proceeds to reinvest or “roll over” your proceeds into another IRA to maintain their tax-deferred status and avoid any required tax withholdings. You must notify the Fund’s
transfer agent at 877-DLine11 (877-354-6311) prior to the Liquidation Date of your intent to roll over your IRA account to avoid the automatic deduction of tax withholdings from your proceeds. If you do not notify the Fund’s transfer agent of your intent to roll over your IRA account prior to the Liquidation Date, the Internal Revenue Service requires that U.S. federal income tax of 10% be withheld from your account proceeds, and your account may also be subject to state or local required withholdings. You should consult with your tax advisor on the consequences of the redemption to you and any actions you may need to take.
Please contact DoubleLine Funds Trust at 877-DLine11 with any requests for additional information.
INVESTORS SHOULD RETAIN THIS SUPPLEMENT FOR FUTURE REFERENCE
-2-

Nonretirement stuff at TIAA is only for those with retirement accounts that WANT to stick around for consolidation of accounts.
Fer sure, mostly. Though TIAA does have a product or two that some without retirement accounts might want to buy. I've mentioned TREA (one only has to be related to someone with a retirement account, not be a retirement account owner to be eligible).
Another is TIAA's vanilla deferred VA, "Intelligent Variable Annuity", especially if one likes Vanguard funds. Vanguard no longer offers its own VA - it outsourced it to Transamerica. The Transamerica VA has base M&E expenses of 0.27%. The TIAA VA charges 0.35% for $100K-$500K, 0.25% for AUM above that. While that may be initially a bit higher than Transamerica, the kicker is that after 10 years, the wrapper fees drop to 10 basis points.
The TIAA VA offers most of the same Vanguard and DFA portfolios as Transamerica, while also offering a variety of TIAA portfolios (obviously) plus portfolios from Franklin, Janus, PIMCO, T. Rowe Price and others. All are low cost share classes (as opposed to other providers like Fidelity that may offer the same portfolios with higher ERs).
Transamerica VA offerings (see p. 3)
TIAA VA offerings
Fidelity VA offerings (compare PIMCO VIT Real Return 0.77% admin class E/R with TIAA's 0.52% inst class E/R)
Not that these are for most people. Just suggesting that TIAA products are not only for those with existing retirement accounts at TIAA.

TIAA Brokerage is via Pershing/BK. So, things are clunky.
Nonretirement stuff at TIAA is only for those with retirement accounts that WANT to stick around for consolidation of accounts. TIAA hasn't made serious efforts to attract general investors. Even some non-plan accounts require TIAA-eligibility.
TIAA is complicated, to say the least. I have started a "TIAA Group by YBB" on Facebook for those with TIAA needs and/or interests. Elsewhere, TIAA is misunderstood and may remain so.

Try finding information on other funds at the beginning of the month at Vanguard.
Poke me on Sept 1 and I'll give it a try (and also look at data available on other sites then).
Try finding information on other funds at the beginning of the month at Vanguard.
That's a bug in the screener. If it were a feature, it wouldn't show a fund category criterion. The tool fails to populate the category selections for all fund types, not just domestic funds. Whether that is a software bug or a data bug (Vanguard failing to supply the categories for each fund type) isn't clear.
Similarly, Fidelity failing to include D&C in its screener's fund family selection box is a bug.
And the [TIAA retirement] choices are strictly limited.
On the retirement side investment choices are limited by what the employer plan (e.g. 403(b)) offers, just as they are with most employer plans. OTOH, your wife has access to TIAA Trad and TREA which are unavailable on the retail side. Access to TREA makes opening an IRA on the retirement side almost worthwhile.
I can't imagine opening a brokerage account there based on my experiences logged into my wife's account.
TIAA has undoubtedly one of the worst sites I've ever seen. Trying to find something like the annuitization rate for a specific Trad annuity is nearly impossible. Last time I tried I think it took me around an hour.
All that said, TIAA does seem to provide access to some appealing funds that are difficult to find (NTF and low min) elsewhere. I haven't done a detailed comparison with E*Trade to see if the latter has everything that TIAA has. It does offer GLIFX with the same terms as TIAA - NTF, $10K min.
But unless one has a TIAA account (and is willing to navigate its website), one will never know what's there. Stupidity, ineptness, but not malice by TIAA.

Try finding information on other funds at the beginning of the month at Vanguard.
For old time's sake I tried to do a search for LC value funds. If you choose domestic funds you are now stuck with all fund categories. They're breaking it M* style.
I have been exploring Nuveen as an easier way to get readable information on TIAA funds than by going through TIAA. No screener at Nuveen. But I don't think they hold themselves out as a broker where you can buy other companies' products.
We are stuck with TIAA due to some of my wife's retirement assets. And the choices are strictly limited.
I can't imagine choosing to open a brokerage account there based on a drive-by of their website. I can't imagine opening a brokerage account there based on my experiences logged into my wife's account.

@Anna and @sma3 Dinging the thread a bit per Austin. I visited U-T friends there in 1972 for a few weeks, and Austin was an amazing city. I do believe I wouldn't want to live there now at my/our ages. In hindsight, if one had the monies and foresight at the time; purchasing 40 acres of land here and there around the city limits at that time would have provided for a handsome retirement nest egg. :)

PBI tracks down people & verifies if they are dead or alive without being obvious about it. So, it isn't a matter of - why they didn't just call me?
You may have heard of stories about people defrauding insurance & annuity co & retirement plans by continuing to collect payments when the legal recipient is dead.
A reverse problem is when these co don't determine when people have died. Of course, death benefits/claims must be initiated by executors and/or beneficiaries (who may not be aware in some cases).
This requires specialized knowledge & databases.
https://www.pbinfo.com/

List is useful but a rather odd setup
Fidelity is listed but link is only to Maine retirement Plan
Schwab only through TD Ameritrade

SECURE Act 2.0 Section 307 (see p 2237(!) here) amends IRC Section 408(d)(8) by adding a new subsection (F).
This new tax code provides for a QCD to any "split interest entity" (408(d)(8)(F)(ii)) including (I) a CRAT, (II) a CRUT, or (III) a charitable gift annuity. I haven't yet searched for mix-and-match restrictions, i.e. whether one can contribute to more than one gift annuity or, say a CRAT and a gift annuity. Fidelity seems to think that one cannot mix and match, though it is silent on making QCDs to two entities of the same type.
https://www.fidelitycharitable.org/articles/secure-act-2-0-retirement-provisions.html
Fidelity's page on charitable gift annuities says that they may have mins as low as $5K but depending on the annuity the min could be much higher. OTOH, it also says that CRTs typically have mins of $250K which would exclude most of them from this new section of the tax code.
https://www.fidelitycharitable.org/guidance/philanthropy/charitable-gift-annuity.html
A QCD donation to a split interest entity can only be done in one tax year, similar to the restriction about using an IRA to fund an HSA. You're allowed to make multiple contributions in the same tax year. Keep in mind that if you want the QCD to apply to an RMD, then it must be made before other distributions (standard QCD/RMD rule).
I can understand the loophole about treating the full amount as a QCD even though one receives a taxable benefit later (what Yogi labeled as (i)). Any other treatment would make this whole thing too complicated - that you would get only a partial QCD exemption from taxes. And that would defeat the objective of using a QCD for RMD purposes.
QCD decision flowchart (showing where CGA, CRAT, CRUT fit in, and a paragraph on each).

Thanks for clarification that FidSafe wasn't hacked. I am aware of similar digital-lock-boxes for important personal documents/data but I haven't use any. Looks like glorified Dropbox or OneDrive - I use both.
But Fido retirement plans were hit by MOVEit data transfer breach. As I mentioned in my related OP, we have been contacted only on behalf of PBI, and by no one else so far on the MOVEit breach list.
https://www.plansponsor.com/moveit-data-breach-hits-fidelity-via-vendor-pbi/
https://www.thewealthadvisor.com/article/moveit-data-breach-hits-fidelity-vendor-pbi

An actionable take from OJ was that funds within the T-IRA and 401k/403b cannot be touched, period, except by their owners. Even OJ's lawyer who were stiffed for their fees at some point (well, OJ was in jail) couldn't access OJ's retirement funds - they tried, including going through the courts.

We know that compounding on investments made early in one’s lifetime makes a huge difference in one’s financial success. Even though I was a very low earner when I started my career in 1970, we still were able to buy a house in 1973 based on my income alone. Interest rates were around 4%. I borrowed the 5% down payment from my father. My employer, despite paying me a pittance, paid 10% into my retirement account at TIAA. With one kid, one starter home, one car, and a frugality drummed into us by our Depression-era parents, we eventually realized quite amazing gains on what we honestly did not know would become our sources of “wealth.”
In today’s economy, as @Anna aptly points out, the young couple setting out on a path similar to ours, face overwhelming obstacles. The price of a starter home, in almost any part of the country, now presents the biggest barrier, to say nothing of the huge down payment. What employer these days would be paying 10% of base salary into retirement? It seems trite to say that our kids won’t do as well as their parents, a complete reversal of what had been accepted wisdom about the American economy. The American Dream, for a great many of our brethren, is nothing more than a chimera. The participants on MFO, IMHO, have a whole lot to be grateful for. I’m not sure that my kids, who are between 25 and 43, will be able to feel secure in their retirements.

Just purchased a 6 figure CD for my IRA, paying 5.2%, over an 18 month term--my first CD with a Maturity Date in 2025. I have 3 more CDs maturing in 2023, and 9 CDs maturing in 2024. When these remaining CDs mature, I will seriously consider buying replacement CDs, if they are paying 5+%. If CD rates start tanking before my remaining CDs mature, I will have to carefully evaluate my options at that point in time. "Making a lot more money in bonds than CDs" is not very important to me, as long as CDs pay a rate I consider attractive. Low risk and low stress are very important to me in retirement, but I do prefer at least a 4% to 6% TR, to replace RMD distributions, and I will look for the lowest risk investment options to meet that objective.

Not too long ago we were all talking in a thread about "the market" going sideways for a decade, or more.
Now we're being told that we should all invest in the 500, like Buffet "advises" his wife to do when he dies. Which sort of misses the point that she is likely to inherit a crap-ton of Berkshire shares, and heaven knows what else. Who is going to tell her to sell all that so she can plunk it all down on the 500?
Well. I don't have those resources. Sometimes the goal of investing is not to "beat the market" but to preserve capital that can be put to work to sustain a certain level of comfort in retirement.
As the man said after he fell from the roof:

Just to clarify- I'm not at all suggesting that CD or Treasury ladders are the only way to do things. I have about half in a CD/Treasury ladder through Schwab, and about half in a couple of MMKT funds.
Like @dtconroe said, "Before retirement, I was very aggressive with a ton of Equity oriented holdings (Sector holdings, Value and Growth Equity Funds, some balanced funds, Global and International Equity holdings, etc.)."
Same here- before retirement, made the stash. After retirement, protecting the stash.
Also, as @BenWP said above: "I do worry about leaving a complicated portfolio for my wife, say, who has no interest in investing. I assume that your ladders could be passed to a joint owner of the account with no problem."
Again, same here. My wife, joint owner, understands CDs and MMKT accounts, so we don't need anything fancy, and we really don't care about "beating" anything.

@dtconroe: I am intrigued by your explanation of how you use of CDs and their multiple maturity dates. I spend what some would probably call an excessive amount of my free time juggling MFs and ETFs. However, I did put $10K into a CD for the very first time a few months back. Most of my cash is in MM funds, namely SWVXX. Do you not spend any time on the equity side of your portfolio in favor of monitoring what appears to my inexperienced eye a complex operation devoted to CDs, ladders, and redemptions? For my part, I am content with the pretty generous yield on my MM stash, which allows me to buy and sell assets quickly and effortlessly, without worrying if I'm getting the last 1/10% out of the dough. FWIIW, I recall hearing it said about a stock trader in old days when stocks were priced in fractions that, "He'd sell his grandmother for an eighth." I guess I can accept my mileage varying a bit lest I become become too obsessive.

BenWP, I am 75 years old, devoted to preserving my accumulations with moderate TR, so my investments are relatively low risk now. Before retirement, I was very aggressive with a ton of Equity oriented holdings (Sector holdings, Value and Growth Equity Funds, some balanced funds, Global and International Equity holdings, etc.). After I retired, my investment emphasis changed dramatically to lower risk funds, focusing on Bond Oefs with low SD and solid momentum--my favorites were multisector and nontraditonal and HY bond oefs. In March of 2022, I sold everything, was totally in MMs, and started investing in CDs as my chosen option for risk management to produce guaranteed income. CDs require a special set of investing skills, and I chose to spread my cash around to multitude of CDs, in a short term laddering system. 90% of my CDs are in six figure CDs, but I do have a small number of 5 figure CDs. All of my CDs stay within the FDIC insured amounts, but my CD selections are more short term (2 years or less) with banks with high quality ratings. At 75, I don't have that many years left, have plenty of money to live comfortably, and have no interest in taking "unnecessary" risks, and am more focused on a retirement life, with minimal stress, and as much joy as I can muster.
I wish you well, but I suspect you are in a different life situation, with a different set of investing objectives!

@Hank. You got me laughing at myself. Still thinking about going to Vwinx. Like everyday. Got distracted by ever increasing risk free yields and our retirement burn rate is very minimal. But going forward my motivation is an autopilot situation for my wife. I have heard people say that nobody ever got fired for buying from IBM and Wellesley as a one fund solution would not be the worst thing to do. Except in a taxable account.

Nothing new and is especially rampant in the USA. No need to go further than Toyota CEO compared to the USA car company CEOs, while Toyota is a much better company.
But, the solution is simpler in the US. Join the best stock market in the world and enjoy your retirement, you don't need to make a lot of money, just start young and invest 10+% of your salary in the SP500. The US has the lowest fees and the lowest min to start on mutual funds + ETFs.