TIAA Self-Directed Brokerage Overview And Account Setup - USG
TIAA Self-Directed Brokerageoverview and account setup1.25"Your guide to the enhanced brokerage programCo-branding Logo placedflush bottom and right4.5"
About this guideBefore you beginOpening an accountAccess your accountBuy and sellAutomatic investmentsResearch & performanceView historyFAQsFeesFor investors with specialized investing needs, more choice can meanmore opportunity to direct retirement investments across marketsand asset classes outside of your plan’s core lineup.The TIAA Self-Directed Brokerage account is an optional feature made available by PlanSponsor . With this account, you can direct your retirement plan contributions among avariety of investment choices beyond the ones offered through your current plan.A wide range of investment choicesWith your brokerage account, you can independently research and select from thousandsof mutual funds, including from some well-known fund families.Flexibility and simplicityWith TIAA Brokerage, there are multiple ways you can get information on your accountand place orders to buy, sell or transfer investments.WWDo it all yourself by logging in to your account at TIAA.org/ microsite .WWContact a TIAA financial consultant by calling 800-927-3059. They can place ordersor answer any brokerage questions.Details and step-by-step instructions to open an account are on the following pages.TIAA Self-Directed Brokerage1
About this guideBefore you beginOpening an accountBefore you beginThere are certain requirements and important considerations for opening a TIAABrokerage account.WWYou’ll need both a legitimate U.S. residential address and legitimate U.S. mailingaddress. (P.O. boxes are not acceptable as a residential address but may be usedfor mailing if a residential address exists.)Buy and sellWWYou’ll need an established retirement account in the Plan Sponsor plan name(s) for each brokerage account you want to open.Automatic investmentsWWThere’s an initial minimum transfer of X,XXX , up to 100% , from yourretirement account to establish the brokerage account.Research & performanceWWThere will be a minimum initial investment of 250 or the required prospectusminimum, whichever is greater, and additional minimums may apply forsubsequent investments.WWThis account is self-directed. The investments in the brokerage account are notmonitored by the Plan Sponsor .WWThere’s no minimum balance requirement, annual fee or maintenance fees; however,some mutual funds do have investment minimums.1WWTransaction fees may apply. See the Fees section for complete details.WWReturns for mutual funds and other securities are not guaranteed, and you assumeall the risks associated with investing in them.1.These minimum fees and expenses, including those which apply to a continued investment in a fund,are described in the fund’s current prospectus.Access your accountView historyFAQsFeesTIAA Self-Directed Brokerage2
About this guideBefore you beginOpening an accountAccess your accountBuy and sellAutomatic investmentsResearch & performanceView historyFAQsOpening your brokerage accountOnce you’ve reviewed the requirements and considerations on theprevious page, you’re ready to begin.Step 1:Log in to your online retirement plan at TIAA.org/ microsite .Step 2:On your home page,select Change investmentsfrom the available actionbuttons, then Choose futureinvestments. Next, selectthe retirement account towhich you want to add abrokerage account.FeesStep 3:Scroll down to the bottomof the page and selectOpen a Brokerage Account.Please note: All referenced materials are samples only.TIAA Self-Directed Brokerage3
About this guideBefore you beginOpening an accountAccess your accountBuy and sellStep 4:At this point, you’ll haveto sign a consent forelectronic delivery of yourimportant documents.To do so, check I haveread and accept theseterms and conditions,then select Continue.Automatic investmentsResearch & performanceStep 5:View historyNext, enter youremployment data,affiliations and investmentprofile. When all thedata is entered andverified, select Continue.FAQsFeesTIAA Self-Directed Brokerage4
About this guideBefore you beginOpening an accountAccess your accountBuy and sellStep 6:Next, you need to reviewthe Brokerage AccountAgreement. Once youhave completed yourreview, check I haveread and accept theseterms and conditions,then select I Agree.Automatic investmentsResearch & performanceView historyFAQsFeesStep 7:Congratulations,you’re finished with theaccount-opening process.You’ll see a message thatyour brokerage accountapplication has beenreceived and is beingprocessed. This typicallytakes two business days.Once completed, you’ll beable to begin trading withinyour brokerage account.TIAA Self-Directed Brokerage5
About this guideHow to access your brokerage accountBefore you beginStep 1:Opening an accountAccess your accountBuy and sellGo to TIAA.org/ microsite and select Log In. Enteryour user ID and password.You will be able to viewall of your account’sinvestments together withyour account details.Automatic investmentsResearch & performanceView historyFAQsFeesStep 2:Click on Accounts. Fromhere, your retirementaccount(s) will be listed.Step 3:Locate your account inwhich you have addedbrokerage investments.Use the tabs at thetop to explore andmanage your account.TIAA Self-Directed Brokerage6
About this guideHow to buy and sell in your brokerage accountBefore you beginOpening an accountAccess your accountStep 1:Once you have logged in atTIAA.org/ microsite , clickChange Investments.Buy and sellAutomatic investmentsResearch & performanceView historyStep 2:FAQsSelect Exchange topurchase a new fund.FeesStep 3:Select the plan in whichyou want to trade yourbrokerage assets.TIAA Self-Directed Brokerage7
About this guideBefore you beginOpening an accountAccess your accountBuy and sellAutomatic investmentsResearch & performanceView historyFAQsFeesStep 4:From there, you’ll seeyour Current Balanceby Asset Class withinthe particular plan. Youwill be able to confirmyour balance and whatcan be moved to a newinvestment opportunity.Step 5:Select where you wantthe money to comefrom. The source canbe either from yourRetirement Funds or otherBrokerage Funds withinthe brokerage account.Next, select the transfermethod, either a portion ofthe funds as a Percent ofassets or Dollar amount,or choose to Transfer All.TIAA Self-Directed Brokerage8
About this guideBefore you beginOpening an accountAccess your accountBuy and sellAutomatic investmentsStep 6:In the remaining steps,you’ll Choose theDestination Fund(s). Youcan select either coreRetirement assets orBrokerage. If a brokerageinvestment is theDestination Fund, thenyou will need to checkthe box to enablebrokerage selections.Research & performanceView historyFAQsFeesTIAA Self-Directed Brokerage9
About this guideStep 7:Before you beginNext, select the AddBrokerage Funds box.Opening an accountAccess your accountBuy and sellAutomatic investmentsResearch & performanceView historyFAQsFeesA pop-up window willappear for you to enterthe ticker symbol orsearch for the fund youwish to purchase.Step 8:You can review importantinformation for each optionon the right-hand side byselecting the fund name.Once you’ve decidedon a fund, click Add Fundto proceed.Step 9:You will see that the newfund has been added toyour list.Once you have your set ofdestination funds, you’lldecide how you want toallocate your assets. Youcan only allocate to onebrokerage fund at a time.Select the DestinationFund and fill in the radiobutton indicating 100%.Next, click Continue.TIAA Self-Directed Brokerage 10
About this guideBefore you beginOpening an accountAccess your accountBuy and sellAutomatic investmentsStep 10:A final verification pagewill appear asking you toconfirm you want to makethe trade. You’ll need toclick on the I understandbox, as well as ProspectusAcknowledgment.To execute the trade,select Submit.Research & performanceView historyFAQsFeesTIAA Self-Directed Brokerage 11
About this guideBefore you beginOpening an accountAccess your accountBuy and sellAutomatic investmentsResearch & performanceMutual fund automaticinvestment/allocation plansOnce you own a brokerage mutual fund, you have the ability to make additionalinvestments through your recurring contributions on an ongoing basis.Step 1:Once you have logged inat TIAA.org/ microsite ,find your retirementinvestments on the securehome page, then clickChange Investments.View historyFAQsFeesStep 2:From the Changeinvestments screen, selectChoose future investments.TIAA Self-Directed Brokerage 12
About this guideBefore you beginOpening an accountAccess your accountBuy and sellAutomatic investmentsResearch & performanceStep 3:To start, select the fundand percentage youwould like allocated tothat fund. Contributionscan go to both or eithercore and brokerageassets based upon yourstrategy. Whenallocating, it’s importantthat the final percentageis 100%. Once thepercentage equals100%, click Continue.View historyFAQsFeesTIAA Self-Directed Brokerage 13
About this guideBefore you beginOpening an accountAccess your accountBuy and sellStep 4:Next, you’ll see a Review &Submit screen to reviewyour allocations in assetclasses, distributionpercentages and effectivedate. You’ll need to clickon the I understand box,as well as the ProspectusAcknowledgment.Automatic investmentsResearch & performanceView historyFAQsFeesStep 5:You’ll see aconfirmation page thatshows the changes to theallocations for your futurecontributions havebeen received.TIAA Self-Directed Brokerage 14
About this guideBefore you beginOpening an accountAccess your accountBuy and sellAutomatic investmentsResearch & performanceOne key to building a strategic investing plan is to be educated on your investingoptions and the performance of each of those options.Through TIAA.org, you’ll beable to educate yourself onfunds, and stay up-to-dateon current financial trendsand financial news. Clickon Resources and thenselect Mutual funds.Research & performanceView historyFAQsFeesBy selecting the Mutualfunds option, you’ll beable to see the variousfund options that youcan choose from to buildyour portfolio.To research funds, youcan click on the Screenertab. Here, you can set upcriteria to find funds thatsupport your strategy.You also have the ability toselect up to five funds andthen click Compare to seehow your options matchup, how share classescompare to one anotherand more, all designed tohelp you become bettereducated and a moreinformed manager of yourfinancial future.TIAA Self-Directed Brokerage 15
About this guideBefore you beginOpening an accountAccess your accountBuy and sellAutomatic investmentsResearch & performanceView historyFAQsFeesView transaction historyConfirmations are sent for every trade. You can view your entire transaction history bylogging in to your account at TIAA.org/ microsite or through your monthly brokerageand quarterly combined retirement account statements.Important notes:WWTrades placed before the investment trade cut-off time local time zone cut-off orET time zone will be executed that business day. Transfers between the brokerageaccount and another account or fund available through the retirement plan(s) aresubject to brokerage settlement periods and can take several days to complete.WWTransactions involving the sale of brokerage investments need to be placed 30minutes before the mutual fund’s cut-off time (see above) in order to be executedthat business day. Cut-off times can be found in the mutual fund’s prospectus.Transfers between the brokerage account and another account or fund availablethrough retirement plan(s) are subject to brokerage settlement periods and can takeseveral days to complete.TIAA Self-Directed Brokerage 16
About this guideFrequently asked questionsBefore you beginQ: How can I take a distribution or withdrawal from my brokerage account?Access your accountA: D istributions or withdrawals from your brokerage account aren’t made directly. Toreceive distributions or withdrawals from the funds in your brokerage account, youfirst must transfer the amount you wish to withdraw from your brokerage account tothe core menu, then request a withdrawal.Buy and sellQ: Are there any fees associated with my brokerage account?Automatic investmentsA: I f you open a brokerage account, you will be charged a commission on all applicabletransactions based upon the fees outlined in the Customer Account Agreement ordictated by the terms of the fund. Please see the Fees section that follows theseFAQs for more detailed information.Opening an accountResearch & performanceView historyFAQsFeesQ: Will my brokerage account be monitored by anyone besides me?A: No. Unlike the plan-sponsored retirement accounts, it is the responsibility of eachindividual to monitor and manage their own self-directed brokerage account. TIAA.orgprovides tools that allow individuals to compare investment options, review shareclasses available and other factors so that you can make informed decisions.Q: Will I receive confirmations of my trades?A: Yes, a confirmation for every trade is sent to you, according to your preferences. Youcan always view your transaction history or trade confirmations in the secure portionof TIAA.org/ microsite or on your monthly brokerage account statements.Q: Are brokerage services available to foreign address participants?A: N o. TIAA Brokerage is only available to enrolled plan participants with a permanentU.S. residential and mailing address.TIAA Self-Directed Brokerage 17
About this guideBefore you beginTransaction feesTransaction fees are charged in accordance with the TIAA Commission and FeeSchedule shown below.Opening an accountAccess your accountTIAA Self-Directed Brokerage Account Customer Account AgreementCommission and Fee ScheduleBuy and sellNot all fees apply or are pertinent to all employer-sponsored plans. See individual plan for investmentoption details.Automatic investmentsFor assistance:Research & performanceMutual fundsNo transaction-fee (NTF) fundsAutomatedTelephone System(ATS) 800-842-2252Client ServiceAssistance800-927-3059WW Minimum initial investment for most funds: 500. For subsequentinvestments, a minimum may apply.View historyWW Short-term redemption fee: 50 minimum for shares held less thanthree months (waived for shares transferred from another brokeragefirm or financial institution).FAQsFeesOnline TIAA.org/brokerageWW Dollar cost averaging transactions, no fee; minimum transaction 100.Transaction-fee (TF) fundsWW Transaction fee: 35 per trade regardless of order size.WW Minimum initial and additional investments typically based onamount listed in the fund’s prospectus.WW Dollar cost averaging transactions, no fee; minimum transaction 100.WW Exchanges: 8 per trade regardless of order size.For complete information about the brokerage account, read the TIAA BrokerageAccount Customer Account Agreement or visit TIAA Brokerage forms atTIAA.org/public/brokerage/custsvce/forms.html Additional fees and expenses apply to acontinued investment in the funds and are described in the funds’ current prospectus.TIAA Self-Directed Brokerage 18
For questions about your brokerage account,please contact us at 800-927-3059.This material is for informational or educational purposes only and does not constitute investment advice under ERISA. This material doesnot take into account any specific objectives or circumstances of any particular investor, or suggest any specific course of action. Investmentdecisions should be made based on the investor’s own objectives and circumstances.You should consider the investment objectives, risks, charges, and expenses carefully before investing. Pleasecall 877-518-9161 for a prospectus that contains this and other information. Please read the prospectus carefullybefore investing.Investment, insurance, and annuity products are not FDIC insured, are not bank guaranteed, are not bank deposits, arenot insured by any federal government agency, are not a condition to any banking service or activity, and may lose value.TIAA Brokerage, a division of TIAA-CREF Individual & Institutional Services, LLC, Member FINRA/SIPC, distributes securities. Brokerage accountsare carried by Pershing, LLC, a subsidiary of The Bank of New York Mellon Corporation, Member FINRA, NYSE, SIPC.TIAA Brokerage reserves the right to change its fee and commission schedule at its discretion, subject to notification in accordance withapplicable laws and regulations.Some securities may not be suitable for all investors.TIAA-CREF Individual & Institutional Services, LLC, Teachers Personal Investors Services, Inc., and Nuveen Securities, LLC, Members FINRA andSIPC, distribute securities products. 2018 Teachers Insurance and Annuity Association of America-College Retirement Equities Fund, 730 Third Avenue, New York, NY 10017MT 689210[Clone #]141030607402821 550002(12/18)
With your brokerage account, you can independently research and select from thousands of mutual funds, including from some well-known fund families. . Brokerage. If a brokerage investment is the Destination Fund, then you will need to check the box to enable brokerage selections. TIAA Self-Directed Brokerage 10
ONLY my TIAA or CREF pension, annuity or IRA contract set(s) indicated below: TIAA Number CREF Number. TIAA Number CREF Number. TIAA Number CREF Number. Designations can only be at the contract and/or account level. Plan-based designations are not acceptable. NOTE: If you wish to make changes to other products you hold at TIAA, please visit us .
TIAA-CREF Fixed Income Mutual Funds (9) March 31, 2006 16,006 Real Estate TIAA Real Estate October 2, 1995 16,908 TIAA-CREF Real Estate 3.1% Securities Mutual Fund October 1, 2002 1,286 Multi-Asset CREF Social Choice March 1, 1990 13,341 5.5% Lifecycle funds (10) October 15, 2004 18,203 Lifestyle funds (5) December 9, 2011 243 TIAA-CREF .
investment advisor. Brokerage services are provided by TIAA Brokerage Services, a division of TIAA-CREF Individual & Institutional Services, LLC, a registered broker-dealer. TIAA-CREF Indivi
TIAA calls a "Transfer Payout Annuity" (TIAA 2018e). (Traditional actually comes in nine versions and a correspondingly complicated set of eligibility and withdrawal rules (see TIAA (2018a) and TIAA (2014)); we deal only with the "Retirement Annuity" ("RA") type, which is the variety which has the highest guaranteed minimum interest .
out of TIAA in roughly equal-sized periodic payments using a Transfer Payout Annuity (TPA), with the transferred amounts moved into other TIAA-CREF investments or taken out of the system, though the latter may depend on employer-specific plan rules.10 While the concepts b ehind TIAA are simple, features of the system make including a TIAA
The TIAA-CREF organization ("TIAA-CREF") is comprised of several distinct corporate entities. Teachers Insurance and Annuity Association of America ("TIAA") was founded in 1918 and is a life insurance company domiciled in the State ofNew York. TIAA operates on a nonprofit basis and issues fixed annuity contracts to its participants.
Yes, you can rollover to a self-directed IRA or SD 401k. I have a Traditional IRA with a bank or brokerage. Yes, you can transfer to a self-directed IRA or SD 401k. I have a Roth IRA with a bank or brokerage. Yes, you can transfer to a self-directed Roth IRA. I inherited an IRA and keep the account with a brokerage or bank as
Introduction, Description Logics Petr K remen petr.kremen@fel.cvut.cz October 5, 2015 Petr K remen petr.kremen@fel.cvut.cz Introduction, Description Logics October 5, 2015 1 / 118. Our plan 1 Course Information 2 Towards Description Logics 3 Logics 4 Semantic Networks and Frames 5 Towards Description Logics 6 ALCLanguage Petr K remen petr.kremen@fel.cvut.cz Introduction, Description Logics .
