Countermoon wrote:For bonds, VBMPX is a good choice?
And finally, it makes sense to stick with Roth in my situation, right? As I said I'm 24, gross income is $45K/year. I really don't expect to be in a lower tax bracket at retirement. Seems like the logical choice for both IRA and 457.
What usually makes sense is to use traditional 457 and Roth IRA. There are some exceptions. If you expect to have a pension in retirement, you might choose to use some or maybe all Roth 457. Or if you are just starting a high paying career and expect big increases in your tax bracket in the future, you might want to use Roth 457 because now could be your best opportunity to get something into Roth status.http://thefinancebuff.com/case-against-roth-401k.htmlhttp://thefinancebuff.com/most-tsp-part ... h-tsp.html
Otherwise, consider traditional 457 and Roth IRA combined. Or some combination of traditional and Roth 457 if you don't make enough to completely fill both the 457 and the IRA.