The TIAA-CREF Group Supplemental Retirement Annuity (GSRA) account has more flexibility than the TIAA-CREF Group Retirement Annuity (GRA) account. In the GSRA, money can be transferred between all funds including the traditional annuity, loans and hardship withdrawals are allowed in certain circumstances, and withdrawals can begin at 59 1/2 years old even if still actively working. The cost of the additional flexibility is a lower interest return on the TIAA Traditional Annuity fund in the GSRA than in the GRA.
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