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Stable-Value (SV) Rates, 11/1/25

yogibearbullyogibearbull
edited October 31 in Fund Discussions
Stable-Value (SV) Rates, 11/1/25

TIAA Traditional Annuity (Accumulation) Rates
25 bps cuts
Restricted RC 4.75%, RA 4.50%
Flexible RCP 4.00%, SRA 3.75%, IRA-101110+ 3.75%
(TIAA Declaration Year 3/1 - 2/28)

TSP G Fund pending (previous 4.250%).

Options outside of workplace retirement plans include m-mkt funds, bank m-mkt accounts (FDIC insured), T-Bills, short-term brokered CDs.
#StableValue #401k #403b #TIAA #TSP
https://ybbpersonalfinance.proboards.com/post/2281/thread

Comments

  • MikeW
    Thanks @yogibearbull. I’m quite comfortable holding the G fund when I’m getting paid 4.25% for almost no risk. I’m curious what are your thoughts on the F fund in terms of risk/reward vs G?
  • yogibearbullyogibearbull
    TSP F Fund is total bond market (investment-grade) and is similar to AGG, BND, SCHZ.

    Stable-value TSP G Fund has no downside risk. Note that its crediting rate update hasn't been posted for 1+ month - 4.25% was the September rate.
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