What is TIAA Traditional currently paying for new deposits?The longest possible delay for some flavors of TIAA Traditional is nine years and a day to withdraw 100% of the amount. (Of course I mean "change investment", not talking about withdrawal and paying income tax to put your hands on the money.) If you begin RMD's (just to note another example of accessing TIAA Traditional, and you tell TIAA that you want your RMD to be proportional segments of your entire account, they will take that amount out of a liquidity-restricted TIAA Traditional without any special paperwork on your part.Putting money into TIAA's Trad Ann is usually (perhaps always) an irrevocable choice IF it's in the part of TIAA where your Employer contributed the money (vs. where the money is that *you* contributed). You'd then have some significant restrictions on how you could get your money out if you decided *not* to annuitize.
The biggest problem would be a full rollover of a restricted TIAA Traditional balance into another company's Rollover IRA. That could take as long as nine years. But it is not "irrevocable." Some TIAA Traditional accounts, like in an IRA, are completely liquid.
Statistics: Posted by GaryA505 — Thu Aug 28, 2025 9:27 am — Replies 32 — Views 4424