Complexities in managing TIAA-CREF contracts are reviewed. Attention is directed toward participation, period considerations, selection of retirement age, retirement income transition, estate considerations and beneficiaries, voluntary additional contributions, and supplemental retirement annuity contracts. (LBH)

A comparison of the benefits of participating in TIAA and CREF retirement programs is offered with emphasis on differences in payout rates and in overall financial performance. (LBH)

Figures are offered on the expense charges and cashability feature of the supplemental retirement annuities (SRA's) of the Teachers Insurance and Annuity Association (TIAA) retirement program. (LBH)

Progress made by academic women in eliminating discriminatory policies and practices once prevalent in higher educational institutions is reviewed. Of substantial distinction have been Committee W's efforts to seek economic parity and financial equity for academic women. (LBH)