As a University employee, you have two options for retirement investment providers: Fidelity and TIAA. Have you ever wondered what the are the differences? In this informative guide, we give you our take on the key differences between the two so that you can make the best of your retirement options.
What’s in the guide? Here are the highlights:
Accidental disinheritance
Your beneficiary form, not your will, controls who gets your retirement money. If it hasn’t been updated in a while, the wrong person could inherit your account.
False diversification
You can own five funds and still be making one big bet. If they all drop at the same time, the different labels didn’t help.
Buy and hold without a plan
“Set it and forget it” works great until risk quietly drifts higher and a routine market dip hits harder than expected.
No income strategy
Saving gets you to the finish line, but nobody hands you a playbook for turning that savings into a monthly paycheck.
Nobody’s watching
Unless you’ve signed up for active management, no one is monitoring your account. Your provider has dashboards and charts, not a person assigned to you.
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Meet Jane
Jane is a university employee in her late 50s who’s been contributing to her plan for years. Money spread across multiple accounts at two providers. She figured she had it handled.
Turns out her beneficiary forms still listed her ex-husband, her “diversified” portfolio was basically five versions of the same large-cap fund, and nobody at TIAA or Fidelity had flagged any of it.
We wrote the book on
your University retirement!
Provizr is an independent advisory firm that works with university employees. We’re not TIAA, we’re not Fidelity, and we don’t hold your money. It stays with your current provider. We help you make better decisions with it.
✓ Independent. Not affiliated with TIAA or Fidelity.
✓ Not a custodian. Your money stays where it is.
✓ Can advise across providers when your plan uses more than one.
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