I have three accounts at TIAA:
- GRA account from one prior employer - 56% of my total
- GSRA account from the same prior employer - 16% of my total
- RC account from a second employer - 28%
When it comes time to do my RMDs, will I have to take proportional withdrawals from each of my accounts? Or can I pick and choose, depending on fund performance? (I am assuming I don't need to include the assets I annuitized in my RMD calculations since the annuity is taxed as regular income, but I can't say I am 100% sure of this.)
I have some fixed income funds in each of the accounts but the biggest amount is in my smallest account, the GSRA -- where I can have fully liquid Traditional funds. (The Traditional funds I had in my other accounts were already annuitized).
I would like to just make the GSRA 100% Traditional funds and that would more than take care of my total fixed income allocation; I could drop the bond funds in the other two accounts. But before I do that, it would be good to know where my RMDs would need to come from.