TIAA Creff
I worked all my career for higher education. They shared a retirement program under TIAA-Cref. Early on, that was only available to people in higher ed. I put part of my retirement money into safer lower earning annuity and part into riskier mutual funds. Very glad I did as my income is now about what it was while I was working.
TIAA is not available to the public. It is a low cost investment fund with billions under management. It is worth investigating online.
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