Need Help With Retirement Options (Investing) [TIAA-CREF]

OK, I found the expense rations for all of the accounts and I am posting them now:

EQUITIES:
Variable Annuity:
CREF Equity Index Account 0.43%
CREF Global Equities Account 0.52%
CREF Growth Account 0.50%
CREF Stock Account 0.48%
Mutual Fund:
TIAA-CREF International Equity Index Fund 0.43%
TIAA-CREF Large-Cap Value Index Fund 0.35%
TIAA-CREF Mid-Cap Blend Index Fund 0.53%
TIAA-CREF Mid-Cap Growth Fund 0.81%
TIAA-CREF Mid-Cap Value Fund 0.80%
TIAA-CREF S&P 500 Index Fund 0.33%
TIAA-CREF Small-Cap Blend Index Fund 0.43%

REAL ESTATE:
Variable Annuity:
TIAA Real Estate Account 0.63%

FIXED INCOME:
Variable Annuity:
CREF Bond Market Account 0.47%
CREF Inflation-Linked Bond Account 0.47%

MONEY MARKET:
Variable Annuity:
CREF Money Market Account 0.42%

GUARANTEED:
Guaranteed Annuity:
TIAA Traditional Account

N/A but it states the following if it means anything:

The TIAA Traditional Annuity guarantees principal and a specified interest rate (based on TIAA's claims paying ability). It also offers the potential for greater growth through additional amounts, which may be declared on a year-by-year basis by the TIAA Board of Trustees. If you have an RA account, the TIAA annuity contract does not allow lump-sum cash withdrawals from the TIAA Traditional Annuity and transfers are spread over a 10 year period. If you have a GRA account, lump-sum withdrawals are available from the TIAA Traditional Annuity only within 120 days after termination of employment and are subject to a surrender charge. All other withdrawals and all transfers to the Real Estate Account or to CREF must be spread over a 10 year period (five years for withdrawals after termination of employment.

MULTI-ASSET:
Variable Annuity:
CREF Social Choice Account 0.44%

Mutual Fund:
TIAA-CREF Lifecycle Fund 2010 0.75%
TIAA-CREF Lifecycle Fund 2015 0.76%
TIAA-CREF Lifecycle Fund 2020 0.79%
TIAA-CREF Lifecycle Fund 2025 0.83%
TIAA-CREF Lifecycle Fund 2030 0.86%
TIAA-CREF Lifecycle Fund 2035 0.95%
TIAA-CREF Lifecycle Fund 2040 0.92%

Any more advice would be greatly appreciated. Thanks alot!

 

This is true but at the same time I am getting some other sweet deals and to be honest this is the most money I have ever made per hour and that may be sad to some but it is good to me and the cost of living in this area is not too bad either..

1. My health care benefits cost about $60 a month which is not bad at all.

2. I can and am taking classes for 25% the cost of regular students. A 3 credit hour class at Arkansas State University costs a little more than $600 and with my employee discount I can take it and pay only $150.

3. I get to park where the professors and staff do during class. HUGE HELP!

4. I get discounts all around town.

 

Not to me. As I stated I am making the most I ever have. To be honest though, I am using this job as a setup. I am taking some classes, at a huge discount, to get into the nursing program here and then hopefully after spending sometime in the nursing field I will be able to go to the CRNA program here as well.

 

No. LOL!