On page 14 of "TIAA-CREF RETIREMENT STRATEGIES," 15-20% allocation to either REA or ILB is recommended as a "hedge against inflation," "WHEN YOUR ESTIMATED INCOME IS ABOUT WHAT YOU'LL NEED." I guess the 35-40% recommendation for CREF stock is also for inflation protection, but obviously not as smooth as the others. I'm a 20% REA man, holding steady as she goes...

Henry