Hi-

You might remember my posts as a high school science teacher teaching overseas for 35+ years and now teaching for one year in Vermont.  After this year, I'll be 62+, and would like to annuitize my TIAA Traditional (almost all of it after-tax).  It will give me what I feel is a very comfortable retiremment or semi-retirement  (working part-time or not at all, and traveling). About 90% of my funds in TIAA-CREF are from sefl-remitters.

My confusion comes with my other funds- TIAA-RE funds ($150,000+, also after tax), and a small amount in Stocks ($20,000).  I really don't want to use these two funds until I'm 70. Do you recommend leaving the RE funds intact and just waiting out the real estate slump, or putting all that money in the bond market, or somehow splitting it up?

My ATRA TIAA Traditional cannot be split, so opening up a new TIAA acoount is impossible.  I'm very happy with the amount I currently have in the TIAA Traditional and do not need anymore.  I'm just concerned about the security and growth of the rest of my funds for late use.

Thank you so much for any advice.

Regards, Rob