This plan allows you to receive a cash withdrawal. The personalized services used most often are: In addition, for more information on fees and investments, refer to "Mutual Funds and In-Plan Annuities" via TIAA.org/performanceOpens in a new window which is a good source for additional plan and investment-related information. 1998-2023 Baylor College of Medicine | One Baylor Plaza, Houston, Texas 77030 | (713)798-4951Have an edit or suggestion for this page? (1973-2009)B.A., Southern Methodist U.; M.A., U. of Texas; Ph.D.,ibid. (1977-2015)B.A., Ohio U.; M.A.,ibid. (1984-1996)B.A., Baylor U.; M.A., U. of Illinois; Ph.D., U. of Colorado. Consider adding annuities1 to your retirement plan so you can create a foundation of guaranteed monthly income for life when you stop working. Institution makes . Your RMD Applicable Age was 70 if you were born before 7/1/49; 72 if you were born on or after 7/1/49 or in 1950; 73 if you were born between 1951 and 1958; 75 if you were born in 1960 or later. ), Northwestern U.; Ph.D. Your own Plan account may earn more or less than this example. Steve Driese, Professor of Geosciences (2004-2022)B.S., Southern Illinois U.; M.S., U. of Wisconsin-Madison; Ph.D., ibid. Ronald Beal, LL.M., Professor of Law. Elizabeth Farren, Ph.D., Professor of Nursing. Thomas R Hunt, III, MD, DSc, FACHE Hand/Wrist/Elbow Surgeon - Educator, Author, Innovator - Fmr. (1979-2020)B.S., U. of Houston; M.S., ibid. (1956-1995)B.S., Auburn U.; M.A., U. of Alabama. (1981-1997)B.A., Baylor U.; M.A., Southern Methodist U.; Ph.D., Texas Womans U. Phyllis S. Karns, Ph.D., Professor of Nursing. Krassimira Jordan, Professor of Piano (1989-2021)Diploma, Sofia Conservatory of Music; M.M.A., Vienna Academy of Music and Dramatic Arts. (1958-2002)B.A., Ouachita Baptist U.; M.A., Louisiana State U.; Ph.D.,ibid. Larry J. Browning, Ed.D., Professor of Curriculum and Instruction. Stephen Heyde, Professor and Director of Orchestral Activities, The Mary Franks Thompson Professor of Orchestral Studies, and Conductor-in-Residence (1984-2021)B.M., Capital U.; M.M., Carnegie Mellon U. Thomas S. Hibbs, Ph.D., Dean Emeritus and Distinguished Professor of Ethics and Culture. L. Kent Gilbreath, Ph.D., Professor of Economics. David W. Eldridge, Ph.D., Professor of Biology. A. Dale Allen, Ph.D., Professor of Management. In some cases, an investment provider may pay a portion of an investment's expense ratio to TIAA, the recordkeeper, to help offset the cost of plan administration. ; Ph.D., Emory U. Robert S. Baldridge, Ph.D., Professor of Biology. (1980-2008)B.S., Virginia Polytechnic Institute and State U.; M.S.,ibid. (1961-1996)B.A., New Mexico Highlands U.; M.A.,ibid. ; D.M., Florida State U. Robert W. Vargas, Ph.D., Professor of Computer Science. Tillman B. Rodabough, Ph.D., Professor of Sociology. ; Ph.D., U. of Texas. The office is committed to fostering an environment in which faculty can develop, succeed, and realize their full professional potential. TIAA-CREF Individual & Institutional Services, LLC serves as a broker-dealer with respect to underlying mutual funds only, and does not offer, market or sell interests in such plans or otherwise provide broker-dealer services with respect to the interests in such plans. Other benefits may be available, such as pre-tax and tax-deferred contributing, which could help maximize your savings. Baylor College of Medicine and Department Summary: Baylor (www.bcm.edu) is recognized as one of the nation's premier academic health science centers and is known for excellence in education, research, and healthcare and community service. (1980-2013)B.S., College of Idaho; M.S., Baylor U.; Ph.D.,ibid. Donald R. Farris, Ph.D., Professor of Electrical and Computer Engineering. ), Lamar U.; M.S. By Name By School Faculty Emeriti. Walter C. Holmes, Ph.D., Professor of Biology. Your employer will typically allow you to withdraw funds once you've reached 62. ; Ph.D., U. of South Florida. An annuity is an insurance contract with one or more fixed-rate and variable investment options. The following three categories of services are provided to your plan: 1. Harry Elzinga, Ph.D., Professor of Musicology. Emeriti, TIAA-CREF, Savitz, Aetna Life Insurance Company, and HealthPartners are independent corporations and are not legally affiliated. They offer several payment options, including lifetime income. More information about retirement plan fees and expenses is available at TIAA.org/fees. Fidelity Investment Options. Charles M. Tolbert, Ph.D., Professor of Sociology. (1958-1999)B.S., Baylor U.; M.Ed., U. of Texas. (1986-2000)B.A., Baylor U.; J.D.,ibid. (1972-2006)B.A., Baylor U.; B.D., Southwestern Baptist Theological Seminary; M.A., Baylor U.; M.A., Cornell U.; Ph.D.,ibid. (1986-2021)B.A., Baylor U.; J.D.,ibid. Both options receive favorable tax treatment under the plan. *Investment advice is available through TIAA using an advice methodology from Morningstar Investment Management, LLC. Don F. Parker, Jr., Ph.D., Professor of Geology. Your employer adopts an Emeriti Retiree Health Plan and ; Ph.D., Texas A&M U. Michael D. Morrison, J.D., Professor and The Jo Murphy Chair International Education and the William J. Boswell Professor of Law. This material is for informational or educational purposes only and does not constitute fiduciary investment advice under ERISA, a securities recommendation under all securities laws, or an insurance product recommendation under state insurance laws or regulations. Provides routine updates and reporting to the Senior Associate for Research Compliance - RCOI to ensure timely communication regarding the status . If 10-15% is an amount you can't afford right now, contribute as much as you can comfortably afford. ; Ph.D., U. of Texas. Tenured professors with at least one year of service at BCM and tenured associate professors with at least 10 years of service at BCM and who have remained on active status until retirement may be eligible for "Emeritus" appointment upon retirement following recommendation by the head of the Academic Unit in which the candidate has his or her primary appointment and upon formal action by the President and the Board of Trustees. (1984-2018)B.B.A., Texas A&M. Roger Olson, Professor of Theology, Truett Seminary (1999-2021)B.A., Open Bible College; M.A., North American Baptist Seminary; M.A., Rice U.; Ph.D., ibid. (1973-2011)B.S. Withdrawals of earnings are subject to ordinary income tax plus a possible federal 10% penalty if made before age 59. Now is a great time to understand what is offered - think about taking advantage of any opportunities to save and invest for the future. During enrollment, once you choose your contribution amount, you can direct your contributions to a range of investment options. ; Ph.D., U. of Texas. (1981-2017)B.S., Southern Methodist U.; M.S.,ibid. Who can participate in this plan? Located in the heart of the world's largest medical center (Texas Medical Center), Baylor is affiliated . (1989-2015)B.F.A., U. of Texas; M.F.A., Cornell U. John Van Cura, D.M., Professor of Vocal Studies. (1979-1999)B.S. (1989-2014)B.A., Duke U.; M.S., U. of Cincinnati; Ph.D., Texas A&M U. Eric C. Rust, Professor of History (1984-2022)B.A. (1963-1995)B.A., Cornell U.; M.S.,ibid. Investment, insurance and annuity products are not FDIC insured, are not bank guaranteed, are not deposits, are not insured by any federal government agency, are not a condition to any banking service or activity, and may lose value. Summary Plan DescriptionOpens pdf in new window. 6.3% increase for Dental Plan. E. Jeter Basden, Ed.D., Professor of Religion. U. of Mary Hardin-Baylor; M.S.W., Our Lady of the Lake U.; Ph.D., U. of Mary Hardin-Baylor. (1994-2020)B.S., Julliard School of Music; M.M.,ibid; D.M.A.,ibid. Contribute the maximum annual amount to your retirement savings. Each is solely responsible for its own financial condition and contractual obligations. How can I see my accounts and perform transactions online? Waco, Texas, BaylorUniversity Waco,Texas76798 1-800-229-5678, Departmental Resources: Tenure & Promotion, Evaluation, Tenure, Promotion, and Compensation, Policies and Procedures Related to Employment at Baylor, Course Actions, Revisions and New Proposals, BUPP 706 Faculty Workload and Merit Evaluation, BUPP 717 Academic Credentials for Faculty and Graduate Teaching, Strategic Enrollment Management (SEM) Plan, Baylor/Xavier University Exchange Program, Discipline-Specific Diversity, Equity, Inclusion, & Belonging Training and Education Proposals, HR Resources for Managers & Academic Leaders, Electronic Course Action System (ECAS) User's Guide, Robbins College of Health and Human Sciences, George W. Truett Theological Seminary Admissions. The full name of Emeriti Retirement Health Solutions is The Emeriti Consortium for Retirement Health Solutions, an Illinois Nonprofit Corporation. (1980-2003)B.A., Case Western Reserve U.; M.L.S., U. of North Texas; Ph.D., U. of North Texas. Based on community levels of COVID-19, Baylor Medicine no longer requires masks while in our clinics. Mary L. Herrington, Ed.D., Associate Professor of Curriculum and Instruction. Founded in 1860, New York Medical College (NYMC), one of the nation's largest private health sciences universities, is the leading academic biomedical research university between New York City and the state capital of Albany, NY. Is there a tax advantage to owning variable annuities versus mutual funds? Delton L. Chesser, Ph.D., Professor of Accounting. Baylor College of Medicine contributes 8% of your base annual earnings to the plan. Password: Use 6 to 20 letters, numbers and/or special characters, Baylor College of Medicine 403(b) Tax Deferred Investment Plan, Baylor College of Medicine 401(a) Retirement Plan, Enrolling is fast and easy: Simply select. If you make a withdrawal prior to age 59, you may be subject to a 10% penalty in addition to ordinary income tax. You can receive the current interest earned on your TIAA Traditional Account in monthly payments. Western Illinois U.; M.S., U. of Missouri, Rolla; Ph.D.,ibid. (2000-2015)B.A., Wichita State U.; B.D., Yale U.; M.A., Wichita State U.; Ph.D., Yale U. William C. Robinson, M.M., Associate Professor of Music. Each is solely responsible for its own financial condition . Contact Fidelity for a prospectus or, if available, a summary prospectus containing this information. Many participants enjoy the diversity of investing in mutual funds in their retirement plans. (1981-83, 1985-2001)B.S.N., U. of Texas, Arlington; M.S.N.,ibid. (1976-2017)B.A., Washington U.; M.A.,ibid. When you enroll online, you create an individual account where you can view your balances, change your investment mix, make transfers and other transactions. D.E. Kathy Whipple, Ph.D., Professor of Communication Sciences and Disorders. (1968-1985)B.S.Ed., State College, Indiana, Pa.; M.A., Ohio U.; Ph.D.,ibid. There are a number of important differences between mutual funds and annuities when they are offered under a retirement plan. John D. Martin, Ph.D., Professor of Finance, Insurance, and Real Estate. Rayzor Lounge, Noon-3 p.m. Research Compliance Services offers educational opportunities forindividuals engaged in research at Baylor, from those new to research to seasoned investigators, and anyone needing a "refresher," or an update on current regulatory or institutional requirements. Call today to schedule an appointment or fill out an online request form. If requested before 2 p.m. you will receive a response today. Username: Your username (up to 15 characters) can be a customer ID that you've chosen or your Social Security number (SSN). McCormick Theological Seminary; D. Take advantage of it. (1973-2008)B.S., Oklahoma Christian U. of Science and Arts; M.A., North Texas State U.; Ph.D., U. of Missouri. You can increase, decrease or suspend the payments at any time. For more information about the terms of your individual contract, contact your plan sponsor or financial advisor. (1960-1961, 1968-2014)B.A., Baylor U.; M.A.,ibid. For IRAs (other than Roth IRAs), your required beginning date is April 1 of the year following the calendar year in which you reach your RMD Applicable Age. (2000-2018)B.A., Baylor Univ. Annuities are designed for retirement and other long-term goals. (2002-2020)B.A., California Baptist College; M.C.M., Southwestern Baptist Theological Seminary; D.M.A., ibid. The most you can contribute in 2023 is $22,500 per IRS rules. This will be identified as "TIAA Plan Servicing Credit" on your statements. ; Ph.D., U. of Texas. (1964-1997)B.S., U. of Arkansas; M.S., Kansas State U.; Ph.D.,ibid. Tenured professors who have served the College with special distinction at BCM for at least 10 years may be eligible for the position of "Distinguished Emeritus" Professor upon retirement and upon recommendation of the head of the Academic Unit in which the candidate has his or her primary appointment and formal action of the Faculty Appointments and Promotions Committee, the Academic Council, the President, and the Board of Trustees. Prof. & Chair, Dept of Orthopedic Surgery Baylor College of Med and Chief Physician Exec, Baylor St . (1969-2009)B.A., Baylor U.; M.S.W., Louisiana State U; Ph.D., Texas Womans U. Donald R. Edwards, Ph.D., Professor of Management. New bivalent COVID-19 vaccines and flu vaccines are available for patients with Baylor Medicine Primary Care Providers. (2000-2018)B.A., Wheaton College; M.A., Princeton U.; Ph.D.,ibid. (1971)B.B.A., Baylor U.; M.B.A., U. of Southern California; D.B.A.,ibid. What is the difference between a mutual fund and an annuity? The school has the lowest tuition rates among all private medical schools in the country ($29,900), resulting in an average student-loan debt of $108,136that's $95,000 less than the . Jeffrey S. Powers, M.M., Professor of Instrumental Studies. Each year UTHealth, The University of Texas MD Anderson Cancer Center, University of Houston - College of Medicine, UTMB-Galveston, and Baylor College of Medicine holds a one-day symposium. Pre-Medicine. A tax-free way to pay for other qualified out-of-pocket medical expenses - the Emeriti Reimbursement Benefit. Institute for Clinical & Translational Research, Feedback - Meeting the Obligation to Our Learners, Compact Between Teachers, Learners, and Educational Staff, Office of Title IX and Gender Discrimination, Comprehensive Academic Management System (CAMS), Faculty Performance Assessment and Development Planning, National Council for State Authorization Reciprocity Agreements, Coach Training for Healthcare Leaders Program. (1987-2018)B.S., Central Michigan U.; M.B.A ibid. A lump-sum payment, subject to a surrender fee, may be available depending on your plan rules and the terms of your contract. (1995- 2001)B.S., Baylor U.; M.S. (1981-2001)B.A., St. John's U.; M.A., U. of North Dakota; Ph.D., U. of Missouri. Check your investment mix. (1976-2010)B.F.A., Bethany College; M.F.A., U. of Iowa. B.A., U. of Michigan; M.A., ibid. Director of Neurovascular Surgery, Westchester Medical Center. A mutual fund is a pool of securities, such as stocks and bonds, managed by an investment company. Your right to a lump-sum distribution from your TIAA Traditional Account may be restricted to taking periodic payments under the terms of the contract. This fee will be deducted proportionally from each investment in your account Quarterly and identified as "TIAA Plan Servicing Fee" on your statements. those enrolled in Medicare but not collecting Social Security (1981-1997)B.S., U. of Kentucky; M.B.A., Syracuse U.; Ph.D., U. of Pennsylvania. (1995)B.S., Wayland Baptist U.; M.Ed., Texas Tech U.; Ed.D., U. of Colorado. ; D.B.A., Indiana U. Mary K. "Suzy" Weems, Ph.D., Professor of Nutrition Sciences. Gerald R. Powell, J.D., Professor and the Abner V. McCall Professor of Evidence. Post Graduate Training: 1967-68. As for income options, annuities offer you the opportunity for lifetime income with or without guaranteed payments for a fixed time period*. If your plan permits, you can withdraw some of the money you've put in over the years (but not earnings) due to financial hardship, such as medical or funeral expenses, while still employed. Investing involves risk, including risk of loss. Richard E. Duhrkopf, Ph.D., Associate Professor of Biology. 1Annuities are designed for retirement savings or for other long-term goals. After enrolling, you'll receive a TIAA Welcome Kit and a Legal Package including your contract and contract number. Many employers offer contribution matching. (1989-2004)B.F.A., Drake U.; M.A., U. of Iowa; Ph.D., U. of Texas. Teachers Insurance and Annuity Association (TIAA) will provide services to the plan and may issue plan communications on behalf of the plan sponsor, in its capacity as a plan recordkeeper. (1988-2015)B.B.A., U. of North Texas; M.B.A.,ibid., Ph.D., U. of Georgia.C. Thomas Harrison, Jr., Ph.D., Professor of Accounting. (2001-2012)B.S.N., Valdosta State U.; M.S.N., Troy State U.; D.S.N., U. of Alabama, Birmingham. (1978-2002)B.S., Indiana U.; M.B.A.,ibid. ; Ph.D.,ibid. Read it carefully. (1960-1990)B.B.A., U. of Texas; M.L.S., Texas Womans U.; Ph.D.,ibid. Then strive to increase that amount by putting raises toward it and small annual increases. J. T. Powers, Ed.D., Professor of Health, Human Performance and Recreation. Professional advice. For help and advice, call us anytime at800-842-2252. Randal L. Vaughn, Ph.D., Professor of Information Systems. (1988-2022)B.A., U. of Rhode Island; M.A., U. of Florida; Ph.D., ibid. Wilfrid Laurier U.; M.A., Lamar U.; Ph.D., U. Texas. The City College of New York 160 Convent Avenue New York, NY 10031 p: 212.650.7000. You may also review your existing accounts and make transactions online by logging into your secure account. TIAA-CREF Individual & Institutional Services, LLC serves as a broker-dealer with respect to underlying mutual funds only, and does not offer, market or sell interests in such plans or otherwise provide broker-dealer services with respect to the interests in such plans. (1974-2006)B.M., U. of Illinois; M.S. This practice is called "revenue sharing". The Office of Faculty Affairs & Faculty Development is committed to: Our office oversees administrative matters related to faculty recruitment and appointment, faculty development and promotion, faculty recognition and advancement, faculty evaluation, retention and transitions. Studying biology at Baylor is a journey that will give you a new perspective on the world. For employer-sponsored retirement plans, your required beginning date is April 1 of the year following the calendar year in which you reach your RMD Applicable Age or retire from the plan sponsor, if later. Mary A. Booras, M.A., Associate Professor of Speech Communication. Patricia A. ; Ph.D., U. of Florida. (1986-1987, 1988-2020)B.A., Northern Illinois U.; M.A., U. of Iowa; M.F.A., ibid. You can leave the tool now and go to Insights to read articles, use tools and see videos that will help you step forward. (1970-2015)B.A., U. of Texas; M.A.,ibid. Mutual funds offer systematic withdrawals. ; Ph.D., U. of Oklahoma. The mutual funds chosen for your retirement savings plan provide the opportunity to focus on specific market segments - all of which offer varying degrees of risk and reward opportunities. Lawrence G. Felice, Ph.D., Professor of Sociology. Jane Abbott-Kirk, M.M., Associate Professor of Keyboard Studies. If you need some of your retirement savings in cash, you can withdraw your TIAA Traditional Account balance through a Transfer Payout Annuity (TPA) under the terms of the contract. (1978-2018)B.S., Louisiana State U.; J.D., ibid; M.S., ibid. Think about using TIAAs online Retirement Advisor Tool to help you set goals and create a plan that may help achieve them. Retirement annuities can help replace your salary with monthly income thats guaranteed for life. ; D.B.A., Indiana U. Michael W. Mansfield, Ph.D., Professor of Political Science. Dr. (1957-1993)B.A., Mississippi College; M.A., U. of North Carolina; Ph.D., Louisiana State U. Charles M. Tolbert II, Professor of Sociology (2000-2021)B.A., Baylor U.; M.A., ibid. Bob E. Patterson, Ph.D., Distinguished Professor of Religion. G.W.K. (1981-2018)B.A., Baylor U.; B.D., Southern Baptist Theological Seminary; Ph.D.,ibid. General record keeping and other plan services. (2004-2012)B.S.N., Baylor; M.S.N., U. of Texas; Ph.D.,ibid. Many participants enjoy the diversity of investing in mutual funds in their retirement plans. Carolyn A. Backus, D.M.A., Professor of Vocal Studies. Letter of Request from head of Academic Unit that includes a summary of the candidates contributions to the College, 2. (1966-2003)B.A., International Christian U., Tokyo, Japan; Ph.D., Yale U. James M. Warren, Ph.D., Professor of Engineering. Emeriti, TIAA-CREF, Savitz, Aetna Life Insurance Company, and HealthPartners are independent corporations and are not legally affiliated. Southern Baptist Theological Seminary; Ph.D.,ibid. Mutual funds offer diversification, professional management, relatively low investment minimums and fees, and a range of choices among different asset classes. Many financial planners estimate that youll need 80-90% of your pre-retirement income to maintain your lifestyle in retirement. Find out why.Get to Know Houston. The following documents are required from the Academic Unit for appointment to this rank: 1. Login now. To recap, here's what you'll want to think about when you enroll: Think how long your retirement savings will need to last. This will help guide which investments you choose. ; Ph.D., U. of Texas, Arlington. Wickramasinghe Ariyasinghe, Associate Professor of Physics (1988-2021).B.S., U. of Sri Lanka; M.S, Bowling Green State U.; Ph.D., Baylor U. David M. Arnold, Ph.D., Professor and the Ralph Jean Storm Professor of Mathematics. (1974-2010)B.S., Florida Atlantic U.; Ph.D., Florida State U. Marianna S. Busch, Ph.D., Professor of Chemistry. ; M.A., ibid. Emeriti Retirement Health Solutions is not an insurance company, insurance broker or insurance provider. Julian F. Watkins II, Ph.D., Professor of Biology. Wood, Ph.D., Professor of Religion. . . Then, determine your comfort level with risk and reward. William Thomas, Professor of Accounting and Business Law and Master Teacher. Patricia D. Wallace, Ph.D., Professor of History. Mark Anderson, M.F.A., Professor of Art and Art History. Helen E. Benedict, Ph.D., Professor of Psychology. Baylor College of Medicine 401 (a) Retirement Plan This Plan is funded entirely by BCM; there are no employee contributions made to this Plan. increase substantially for the following groups: new retirees. (1973-2009)B.A., Texas Womans U.; M.L.S.,ibid. Rotating Internship in General Surgery, Internal Medicine, Obstetrics and Gynecology at the Government General Hospital, Madras, India. The mutual funds chosen for your retirement savings plan provide the opportunity to focus on specific market segments - all of which offer varying degrees of risk and reward opportunities. ; D.B.A., U. of Colorado; Ph.D.,ibid. No, there is no tax advantage to owning variable annuities or mutual funds in your TIAA-funded retirement plan. Barbara and Corbin J. Robertson, Jr. Presidential Award for Excellence in Education, Ben and Margaret Love Foundation Bobby Alford Award for Academic Clinical Professionalism (Center for Professionalism), Norton Rose Fulbright Faculty Excellence Award, Faculty Awards for Excellence in Patient Care. Your Account: Select the account you would like to log in to. (1985-2005)B.S., Southern Methodist U.; M.S.,ibid., Ph.D.,ibid. What are the benefits of owning mutual funds? Elizabeth S. Githens, M.A., Professor of English. Louisiana Tech U.; M.A., U. of Denver, Ph.D.; Indiana U. Ken-Hsi Wang, Ph.D., Professor of Physics. Tell us about your future goals and well help you plan. David E. Pennington, Ph.D., Professor of Chemistry and Biochemistry and Master Teacher. Actual account balances will be determined by the contributions made and any investment gains or losses. Rinn M. Cloud, Ph.D., Professor of Family and Consumer Sciences. (1997-2014)B.S., U. of Texas; M.S., Sacred Heart U.; M.Ph., Columbia U.; Ph.D.,ibid. Lewis M. Barker, Ph.D., Professor of Psychology and Neuroscience. Call 713-798-1000 Monday - Friday 8 a.m. - 5 p.m. ONLINE Request Now Request non-urgent appointments Find a Physician (1997-2020)B.A. (Hon. CMS will require Medicare Advantage plans that cover emergency services worldwide to cover urgent care worldwide . Many services are necessary for the day-to-day operation of your employer's retirement plan. Update my fund choices or provider to help meet my financial goals. (1975-2017)B.F.A., U. of Kansas; M.F.A., Indiana U. Robert B. Kruschwitz, Ph.D., Professor of Philosophy. (2003-2018)B.S., Texas A&M U.; M.S.,ibid. Strive for a smart balance of aggressive and conservative investments that fit your needs. Weeks, D.B.A., Professor of Marketing. (1981-2003)B.S., U. of Wisconsin, River Falls; M.M., Indiana U.; Ph.D.,ibid. *Guarantees are subject to the claims-paying capability of the insurer. William Bellinger, Professor of Hebrew Bible/Old Testament (1985-2021). (1973-2011)B.A., Baylor U.; M.A.,ibid. Who would benefit most from owning mutual funds? may. Martin Medhurst, Distinguished Professor of Rhetoric and Communication (2003-2021)B.A., Wheaton College; M.A. David M. Guinn, L.L.M., Professor of Law and Master Teacher. ; Ph.D., ibid. If you're married, you may be required to get spousal consent to receive any distribution option other than a qualified joint and survivor annuity. (1971-2016)B.S., Furman U.; Ph.D., Vanderbilt U. Deborah Johnston, Associate Professor of Health, Human, Performance and Recreation (1981-1987, 1988-2021)B.A., Northwest Missouri State U.; M.S.Ed., Baylor U., Ed., U. of Arkansas. Lyle C. Brown, Ph.D., Professor of Political Science. A mutual fund is a pool of securities, such as stocks and bonds, managed by an investment company. Linda F. Garner, Ph.D., Professor of Nursing. Franklin Potts, Professor of Finance (1968-2021)B.B.A., Baylor U., M.S., ibid. Your contributions will be automatically invested in the State Street Target Retirement Funds Class K with Fidelity unless you choose another investment at Fidelity or TIAA. Roger L. Brooks, Ph.D., Professor of English. Emeriti Plan View plan details Take charge of your future today. 2021 Teachers Insurance and Annuity Association of America-College Retirement Equities Fund, 730 Third Avenue, New York, NY 10017. For financial guidance, call 800-842-2252 to speak to a TIAA financial consultant. Any savings have the potential to help in the future, but ideally, you still should aim for 10-15% of your pre-tax income annually. By owning a combination of funds with different investment characteristics, you may be able to offset the poor performance of one asset class with another that is benefiting from an upward trend. (1965-2008)B.A., Peru State College; M.A., Oklahoma State U.; Ph.D., U. of Maryland.

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