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Teachers

 

As a Miami-Dade teacher your retirement is based on a three-legged stool:

Retirement Income = FRS Pension, DROP funds, 403(b) Supplemental Funds

It is unlikely your FRS pension will be sufficient to live on, especially if you decide to stay in high-cost Miami-Dade County.

Therefore, it is of paramount importance that your DROP and 403(b) funds are wisely invested. Before committing to any 403(b) investment option ask:

  1. Will I be penalized for pulling my money out?
  2. What are my investment choices?
  3. What annual fees will I pay?
  4. How is the insurance company rated?
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