I decided that I would look up my fees today -- just to see how bad they were. I knew that my Vanguard funds would be pretty good, but I figured that my old 403b and my HSA account would be pretty bad. This is what I came up with:
I was astounded. Especially by my old 403b and the HSA! I honestly didn't even think that 0.02% was possible.
So I had always intended on transferring my old 403b into my new 403b so that everything would be at Vanguard and I wouldn't have to log into JPMorgan when looking at my accounts and figuring out my allocation, but now I'm not so sure. Is it worth it to take my Total US Stock at 0.02% and turn it into Total US Stock at 0.18%? I thought I would do it for sure, but now I'm having second thoughts. Even the 0.18% is so low, though, maybe I'm just kidding myself?
And on another note, I read so many threads about people who have terrible 401k and 403b fund options, and I feel so very lucky that I am able to say that 0.22% is my highest fee. I wish everyone's company provided such great low cost options.
So would you guys switch your fund over to Vanguard if you were in my shoes? Or just let it hang out at JPMorgan for the next thirty years?
(FYI "Her Bonds" is at zero because I just changed my contribution today to add it in next paycheck. That's what prompted me to look everything up. I'm trying to get bonds back up before they get off by more than 5%. This damn up market is making it tough!