Introduction: A preview of retirement
Getting there: a look in the rearview mirror
How much do I need to save?
Do investment costs matter?
Should I invest in index or actively managed funds?
What should my mix of assets be?
What investing principles would serve me well?
How do I build an investment portfolio?
What role should TIAA-CREF retirement annuities play in my investment portfolio?
What role should TIAA-CREF retirement class mutual funds play in my investment portfolio?
Should I purchase an annuity?
When should I start taking social security?
Do I need long-term care insurance?
How much should I set aside for health insurance?
How do I put my financial house in order?
Should we sell our home and relocate?
Is a reverse mortgage right for me?
How should I use a financial planner?
Can I count on TIAA-CREF's financial services?
How do I maximize my retirement income and financial security?
What are my income options with TIAA-CREF?
Should I incorporate a TIAA traditional payout annuity into my pension plan?
Should I incorporate a TIAA-CREF variable-income annuity into my pension plan?
Should I use systematic withdrawal as a major source of my pension income in retirement?
Mirror, mirror on the wall, what is the greatest threat of all?
How can I protect my nest egg against huge losses?
How can I protect my nest egg against fraud?
What if I finish in the black?
Money, happiness, and a fulfilling retirement
Appendixes: A. Illustration
B. Possible questions to ask when seeking financial advice
C. Experiences with Vanguard's financial planning services
D. Planning tools & calculations
E. Special issues for women
F. Must reading for an informed investor
G. Determining minimum distribution requirement
H. Operating expenses for CREF variable annuity accounts, 1997-2008
I. Total investment costs for the CREF variable equity accounts
K. TIAA-CREF: strengths, shortcomings, and needed changes
L. Formula for calculating annual income increases/decreases from variable annuities
M. Historic returns: worst case, one year
N. Annual income changes for TIAA-CREF variable annuity accounts, 1996-2005
O. TIAA-CREF variable income changes, 2001-2003
P. Annual review of your savings and retirement plan.
