I have some TIAA Traditional in a pre-2010 IRA with guaranteed minimum rate of 3%. A few years ago I learned that if I were to convert it to a Roth IRA, I would lose the 3% minimum guarantee.
My question is about what happens to the 3% guarantee if I die (sole beneficiary is my wife). There are several ways she can inherit the IRA... does it matter?
Thanks in advance,
See if this link is helpful.
Otherwise, call TIAA.