{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "$id": "https://www.tiaa.org/schema/retirement-account",
  "title": "TIAA Retirement Account",
  "description": "JSON Schema representing a TIAA retirement account including plan type, investment allocations, and balance information",
  "type": "object",
  "required": ["accountId", "planType", "participantId"],
  "properties": {
    "accountId": {
      "type": "string",
      "description": "Unique TIAA account identifier"
    },
    "planType": {
      "type": "string",
      "enum": ["403b", "457b", "401k", "IRA_Traditional", "IRA_Roth", "529"],
      "description": "Retirement plan type"
    },
    "planSponsor": {
      "$ref": "#/$defs/PlanSponsor"
    },
    "participantId": {
      "type": "string",
      "description": "Participant's TIAA identifier"
    },
    "totalAccountBalance": {
      "type": "number",
      "minimum": 0,
      "description": "Total account balance across all investments"
    },
    "currency": {
      "type": "string",
      "const": "USD",
      "default": "USD"
    },
    "asOfDate": {
      "type": "string",
      "format": "date",
      "description": "Date of the account balance snapshot"
    },
    "investmentAllocations": {
      "type": "array",
      "description": "Investment allocations across TIAA/CREF accounts and other options",
      "items": { "$ref": "#/$defs/InvestmentAllocation" }
    },
    "annuityContracts": {
      "type": "array",
      "description": "Annuity contracts held in this account",
      "items": { "$ref": "#/$defs/AnnuityContract" }
    },
    "yearToDateContributions": {
      "type": "object",
      "properties": {
        "employeeContributions": { "type": "number", "minimum": 0 },
        "employerContributions": { "type": "number", "minimum": 0 },
        "rolloverContributions": { "type": "number", "minimum": 0 }
      }
    }
  },
  "$defs": {
    "PlanSponsor": {
      "type": "object",
      "description": "The institution sponsoring the retirement plan",
      "required": ["sponsorId", "name"],
      "properties": {
        "sponsorId": { "type": "string" },
        "name": { "type": "string" },
        "planName": { "type": "string" },
        "sector": {
          "type": "string",
          "enum": ["Higher Education", "Healthcare", "Non Profit", "Government", "Cultural", "Research"],
          "description": "Industry sector of the plan sponsor"
        }
      }
    },
    "InvestmentAllocation": {
      "type": "object",
      "description": "Allocation to a specific investment option",
      "required": ["investmentId", "investmentName"],
      "properties": {
        "investmentId": {
          "type": "string",
          "description": "TIAA investment product identifier"
        },
        "investmentName": {
          "type": "string",
          "description": "Investment option display name",
          "examples": [
            "TIAA Traditional",
            "CREF Stock Account",
            "CREF Bond Market Account",
            "CREF Social Choice Account",
            "CREF Global Equities Account",
            "CREF Equity Index Account",
            "CREF Money Market Account",
            "CREF Inflation-Linked Bond Account"
          ]
        },
        "investmentType": {
          "type": "string",
          "enum": ["FixedAnnuity", "VariableAnnuity", "MutualFund", "ETF", "MoneyMarket", "TargetDate", "SelfDirected"],
          "description": "Type of investment vehicle"
        },
        "balance": {
          "type": "number",
          "minimum": 0,
          "description": "Current balance in this investment"
        },
        "allocationPercentage": {
          "type": "number",
          "minimum": 0,
          "maximum": 100,
          "description": "Percentage of new contributions directed to this investment"
        },
        "units": {
          "type": "number",
          "description": "Number of units/shares held (for variable accounts)"
        },
        "unitValue": {
          "type": "number",
          "description": "Current unit value/NAV (for variable accounts)"
        },
        "isLifetimeIncome": {
          "type": "boolean",
          "default": false,
          "description": "Whether this investment provides guaranteed lifetime income"
        },
        "isESG": {
          "type": "boolean",
          "default": false,
          "description": "Whether this is an ESG/socially responsible investment"
        }
      }
    },
    "AnnuityContract": {
      "type": "object",
      "description": "An annuity contract providing guaranteed income",
      "required": ["contractId", "annuityType"],
      "properties": {
        "contractId": { "type": "string" },
        "annuityType": {
          "type": "string",
          "enum": ["TIAATraditional", "CREFVariableAnnuity", "LifetimeIncome", "TIAAMyChoiceMYGA", "SecureIncomeAccount"],
          "description": "Type of annuity contract"
        },
        "contractValue": {
          "type": "number",
          "minimum": 0
        },
        "guaranteedMinimumRate": {
          "type": "number",
          "minimum": 0,
          "description": "Guaranteed minimum annual interest rate"
        },
        "currentCreditedRate": {
          "type": "number",
          "minimum": 0,
          "description": "Currently credited rate (may exceed guaranteed minimum)"
        },
        "isAnnuitized": {
          "type": "boolean",
          "default": false,
          "description": "Whether this contract has been converted to income payments"
        },
        "monthlyIncomeAmount": {
          "type": "number",
          "minimum": 0,
          "description": "Monthly income payment amount if annuitized"
        }
      }
    }
  }
}