Search found 4682 matches

by Duckie
Sat Apr 29, 2017 4:05 pm
Forum: Investing - Help with Personal Investments
Topic: Helping Adult Child with Investment Plan
Replies: 6
Views: 549

Re: Helping Adult Child with Investment Plan

Desired Asset Allocation: 80% Stocks, 20% Bonds Desired International allocation: 20% of stocks That breaks down to 64% US stocks, 16% international stocks, and 20% bonds. Taxable at AUM firm (RJ) (42K)-Recently transferred to Fidelity DIY in-kind: 36%-Franklin Income Fund-Class C (FCISX) (1.11) 31...
by Duckie
Sat Apr 29, 2017 2:15 pm
Forum: Personal Finance (Not Investing)
Topic: Moving money from 401k rollover IRA to a Roth IRA possible?
Replies: 9
Views: 273

Re: Moving money from 401k rollover IRA to a Roth IRA possible?

The previous employer's 401k is rolled over already so does that mean I can't take advantage of the backdoor roth? Find out if your current 401k plan will take incoming rollovers. If it will, and if the options/costs are reasonable, you can roll the Rollover IRA over to the current 401k. Then you c...
by Duckie
Sat Apr 29, 2017 1:41 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio feedback for recent grad!
Replies: 10
Views: 536

Re: Portfolio feedback for recent grad!

At what portfolio size, if any, would you suggest we add REITs? Get to at least $50K before adding REITs. By then at least one Roth IRA will be suitable for two funds. You mentioned the portfolio you proposed is "temporarily" long on bonds, and short on stocks. Is your suggestion to rebal...
by Duckie
Fri Apr 28, 2017 6:26 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio feedback for recent grad!
Replies: 10
Views: 536

Re: Portfolio feedback for recent grad!

Current Retirement Assets Taxable at Vanguard (40/60 stock/bond AA for conservative growth for future home down payment) 35% cash (15k) Proposed fund: 14% total stock (VTSMX), 21% TIPS (VIPSX) Since this is for a future house down-payment it is not part of your retirement assets. If you expect to n...
by Duckie
Fri Apr 28, 2017 5:16 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Suggestion
Replies: 14
Views: 751

Re: Portfolio Suggestion

Does above breakdowns seem reasonable? Your proposed AA appears to be 97% stocks, 3% bonds with 33% of stocks in international. That breaks down to 65% US stocks, 32% international stocks, and 3% bonds. There are some issues: ⋅ Large caps are about 80% of US stocks and mid/small caps abou...
by Duckie
Tue Apr 25, 2017 7:05 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review: Early 30s (401k, 457b, 403b)
Replies: 12
Views: 1277

Re: Portfolio Review: Early 30s (401k, 457b, 403b)

My 401K: Recordkeeping Costs: 0.20% for funds in SDBA through TDAmeritrade (+TDA fees) 0.30% for investments in “core funds”+ all dividend payouts kept by plan administrator for administrative costs Ouch! If going through SDBA does the plan administrator keeps the dividends there, too? The best opt...
by Duckie
Mon Apr 24, 2017 4:10 pm
Forum: Personal Finance (Not Investing)
Topic: 403 (b) After tax contribution (to a Roth IRA) and backdoor Roth IRA in the same year?
Replies: 1
Views: 158

Re: 403 (b) After tax contribution (to a Roth IRA) and backdoor Roth IRA in the same year?

If I do the above, would I still be allowed to contribute $5500 to a traditional IRA and convert that to a Roth IRA (back-door Roth IRA) in the same year even though my 403(b) after-tax contribution is getting rolled over into my Roth IRA? Yes. Whether the after-tax amount goes directly to the Roth...
by Duckie
Mon Apr 24, 2017 3:05 pm
Forum: Investing - Theory, News & General
Topic: foreign tax credit for international stocks
Replies: 12
Views: 913

Re: foreign tax credit for international stocks

so are you saying that holding international stocks in taxable is not recommended? my tax protected space is limited and filled with generally bonds, therefore i was planning to keep the international stocks in the taxable using the Vanguard total international stock index fund. The dividends for T...
by Duckie
Mon Apr 24, 2017 2:57 pm
Forum: Investing - Help with Personal Investments
Topic: Help with Ticker Symbols on 401k Northern Trust Funds
Replies: 13
Views: 6050

Re: Help with Ticker Symbols on 401k Northern Trust Funds

I am having a hell of a time trying to use these tickers. I love the idea of tracking another fund that tracks the same index as the NT funds, and figuring out the share price ratio. Because your 401k options are Collective Investment Trusts instead of mutual funds you have units instead of shares....
by Duckie
Sun Apr 23, 2017 6:16 pm
Forum: Investing - Help with Personal Investments
Topic: 403B
Replies: 12
Views: 590

Re: 403B

These are the funds on the voluntary 403B. The best options (best being relative) are: ⋅ (NEIAX) Columbia Large Cap Index A (0.45%) -- Large cap US stocks ⋅ (NTIAX) Columbia Mid Cap Index A (0.45%) -- Mid cap US stocks ⋅ (NMSAX) Columbia Small Cap Index A (0.45%) -- Sm...
by Duckie
Sun Apr 23, 2017 4:33 pm
Forum: Investing - Help with Personal Investments
Topic: Help with Ticker Symbols on 401k Northern Trust Funds
Replies: 13
Views: 6050

Re: Help with Ticker Symbols on 401k Northern Trust Funds

I am having this exact issue with our new 401K fund options. Glad to be pointed to this thread. Similar funds with ticker symbols are: ⋅  VBTLX = Northern Trust Aggregate Bond Index Fund Non Lending ER .06 ⋅  VFIAX = NT Collective S&P 500 Index Fund Non-Lending ER .04 ⋅...
by Duckie
Sat Apr 22, 2017 5:23 pm
Forum: Investing - Help with Personal Investments
Topic: No clue where to start
Replies: 9
Views: 996

Re: No clue where to start

I have retirement account with my place of work which is pension and I am already vested. I have contributed about 70,000 in that. Does your job also offer a voluntary plan like a 401k or a 457b? i am thinking of investing 1000 monthly in roth IRA ,529, and IRA. At age 43 the yearly maximum contrib...
by Duckie
Sat Apr 22, 2017 4:14 pm
Forum: Personal Finance (Not Investing)
Topic: Need help setting up backdoor Roth IRA
Replies: 28
Views: 1589

Re: Need help setting up backdoor Roth IRA

Since you both have TSPs you can roll your pre-tax TIRA assets over the the TSPs. Any non-deductible basis cannot be rolled to the TSP but can be converted without taxes. Would I need to sell the current holdings in my Trad IRA since the TSP is limited to the 5 funds? Yes. You would liquidate the c...
by Duckie
Fri Apr 21, 2017 7:32 pm
Forum: Personal Finance (Not Investing)
Topic: Need help setting up backdoor Roth IRA
Replies: 28
Views: 1589

Re: Need help setting up backdoor Roth IRA

My wife and I both have incomes over the limit for Roth contributions. Unless you are filing separately, it's your joint income that counts. So your joint income for 2017 will be more than $196K? HUSBAND Trad IRA Value: $15,700 Contribution: $10,300 (from years 2012/2013) Gain: $5,400 Were the cont...
by Duckie
Fri Apr 21, 2017 6:39 pm
Forum: Investing - Help with Personal Investments
Topic: Investment Advice new member 30 years old
Replies: 11
Views: 1651

Re: Investment Advice new member 30 years old

However I'm not completely convinced its a better route than US stocks. Seems like Bogle believes in Americas growth over adding an international fund. However I do see the case for more exposure and limiting risks by doing this. Having an international allocation is a personal preference. Vanguard...
by Duckie
Fri Apr 21, 2017 6:24 pm
Forum: Investing - Help with Personal Investments
Topic: Advice for a young couple starting investing and financial plan?
Replies: 14
Views: 1829

Re: Advice for a young couple starting investing and financial plan?

So, when I need to buy more bond funds, does buying the higher cost GBIAX in a 401k outweigh buying the lower cost BND in a Roth. In other words, while we have these plans, should I serve all my future bond needs with GBIAX in the 401k, or should I also look to buy some bond funds in the Roths as w...
by Duckie
Thu Apr 20, 2017 4:16 pm
Forum: Investing - Help with Personal Investments
Topic: SP500, Russel 2000 and mid caps?
Replies: 24
Views: 1772

Re: SP500, Russel 2000 and mid caps?

Would a rather large portion of mid caps be cut out of the mix, or would only a trivially small percentage be left out? Only a small percentage would be left out. If you type in 88% VFINX and 12% VRTIX into the free Morningstar Instant X-Ray calculator you get: 25 25 25 05 05 03 03 04 04 If you typ...
by Duckie
Wed Apr 19, 2017 10:08 pm
Forum: Investing - Help with Personal Investments
Topic: Advice for a young couple starting investing and financial plan?
Replies: 14
Views: 1829

Re: Advice for a young couple starting investing and financial plan?

That being the case, how does the GBIAX bond fund in my wife's 401k compare to Vanguard's BND? They're similar funds but of course BND is a lot cheaper. If I want to keep bonds primarily in pre-tax accounts, should I just buy GBIAX in her 401k and ditch the SP500 index fund to cover as much of the ...
by Duckie
Wed Apr 19, 2017 4:23 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement Allocation
Replies: 8
Views: 1166

Re: Retirement Allocation

and they advised us to allocate our funds 10%cash; 35% US Govt/Corp Bonds; 35%US Large Cap Stocks; 10%US Small Cap Stocks and Real Estate; and 10% Int'l Stocks. (about $800,000.00). Assuming this is a tax-sheltered account, using the above percentages you could have: Rollover IRA at Vanguard -- 100...
by Duckie
Tue Apr 18, 2017 8:07 pm
Forum: Investing - Help with Personal Investments
Topic: 401k Options - "Core Four"
Replies: 6
Views: 543

Re: 401k Options - "Core Four"

I also went ahead and put the last 5% in C&S US Realty B (I didn't originally list it). The expense ratio is a bit higher (0.55%), but I read that it is a decent REIT...? I don't care how decent it is. At 0.55% you can put extra REITs in your Vanguard IRA and skip this. That's the problem with ...
by Duckie
Tue Apr 18, 2017 7:52 pm
Forum: Investing - Help with Personal Investments
Topic: Advice on my current portfolio, and moving to VanGuard
Replies: 8
Views: 646

Re: Advice on my current portfolio, and moving to VanGuard

NicholasCageFree , welcome to the forum. I also have a Roth IRA that was gifted to me, which is held at Johnson Mutual Funds. What do you mean by gifted? Is it possible this is inherited? Age: 32 Desired Asset Allocation: 95% stocks, 5% bonds 5% bonds is very, very aggressive. Desired International...
by Duckie
Tue Apr 18, 2017 7:13 pm
Forum: Investing - Help with Personal Investments
Topic: 401k Options - "Core Four"
Replies: 6
Views: 543

Re: 401k Options - "Core Four"

I'm comfortable with my IRA account (Vanguard), but am unfamiliar with these. Any help is appreciated. If you're wondering what the funds are: ⋅ Russell 3000 Index Fund M - .04% -- Almost total US stocks ⋅ Equity Index Fund T - .03% -- Large caps, 80% of US stocks ⋅ Ru...
by Duckie
Tue Apr 18, 2017 7:04 pm
Forum: Investing - Help with Personal Investments
Topic: Investment Advice new member 30 years old
Replies: 11
Views: 1651

Re: Investment Advice new member 30 years old

swolesavage , welcome to the forum. I was thinking of consolidating my accounts into 3-4 index funds. Total or S&P500 fund 60%, small cap 20%, international 10%, bonds 10%. Would this be a good portfolio? Schwab has limited index funds/ETFs. If you stay at Schwab, for US stocks go with SWTSX or...
by Duckie
Tue Apr 18, 2017 5:55 pm
Forum: Investing - Help with Personal Investments
Topic: alternatives/suggestions
Replies: 12
Views: 902

Re: alternatives/suggestions

Question is, what do these numbers mean? How do I learn how to read that box? I entered my current portfolio and the numbers are: 24 21 18 12 9 4 6 4 1 The top line is large caps, the middle is mid caps, and the bottom is small caps. The left column is value, the middle is core, and the right is gr...
by Duckie
Tue Apr 18, 2017 4:18 pm
Forum: Investing - Help with Personal Investments
Topic: Looking for portfolio advice to make sure that I am on the right track!
Replies: 4
Views: 405

Re: Looking for portfolio advice to make sure that I am on the right track!

I felt that government bonds would be lower risk than municipal bonds so I was not sure what the best way to handle something like that in taxable might be. Bonds in taxable as part of an emergency or short-term-needs fund are completely acceptable. If the 3% bonds in your taxable account are part ...
by Duckie
Tue Apr 18, 2017 4:09 pm
Forum: Investing - Help with Personal Investments
Topic: Advice for a young couple starting investing and financial plan?
Replies: 14
Views: 1829

Re: Advice for a young couple starting investing and financial plan?

The SP500 indexes are no-load. Yes, but the Nationwide Bond Index Fund has a load and you may need that fund. So check to see if the loads are waived in the plan. Use Roths to cover 30% VEU for international stock and any of the remaining 20% bonds as BND It's generally better to put assets with hi...
by Duckie
Tue Apr 18, 2017 3:44 pm
Forum: Investing - Help with Personal Investments
Topic: alternatives/suggestions
Replies: 12
Views: 902

Re: alternatives/suggestions

Is there any reason a lesser percentage of the "equities" portion is usually allocated to mid-cap? In the allocation by Duckie above, it's 80% VINIX(large-cap), while only 6% mid-cap and 14% small-cap. I got my percentages from the free Morningstar Instant X-Ray calculator . Looking at th...
by Duckie
Mon Apr 17, 2017 7:13 pm
Forum: Investing - Help with Personal Investments
Topic: Looking for portfolio advice to make sure that I am on the right track!
Replies: 4
Views: 405

Re: Looking for portfolio advice to make sure that I am on the right track!

halfandhalf , welcome to the forum. Desired Asset allocation: 78.25% stocks / 21.75% bonds (shooting for 0.75% * Age in bonds until age 50 then increase to 55% bonds by age 65, with the additonal 'emergency fund bonds' actually the acutal allocation that I am shooting for is 28%) If you want 28% bo...
by Duckie
Mon Apr 17, 2017 6:02 pm
Forum: Investing - Help with Personal Investments
Topic: alternatives/suggestions
Replies: 12
Views: 902

Re: alternatives/suggestions

Currently I have a 3 fund portfolio with my 40lk. Looking at the specific funds are there other alternatives? or is current funds ok? VINIX, VTIAX, and VBITX are all good. You're missing mid/small caps which are about 20% of US stocks so if you wanted to could make your US stock AA 80% VINIX, 6% VM...
by Duckie
Mon Apr 17, 2017 5:49 pm
Forum: Personal Finance (Not Investing)
Topic: IRS pro rata rule is the bane of my existence
Replies: 2
Views: 582

Re: IRS pro rata rule is the bane of my existence

Does it make sense to do so to lower our taxable income? How would this impact her Roth over the years and her ability to backdoor more Roth funds in the future? A SEP IRA would definitely affect future backdoor Roths. If her side job has no employees she could open a solo 401k and as the employER ...
by Duckie
Mon Apr 17, 2017 5:41 pm
Forum: Personal Finance (Not Investing)
Topic: taxes- electronic acceptance, but need to mail
Replies: 3
Views: 311

Re: taxes- electronic acceptance, but need to mail

I need to mail my tax check. is it reasonable to drop it in a mailbox tomorrow? is the postmark ok for being on time? The postmark is okay. But make sure the postman picks up from that particular mailbox in time. The one nearest my home has a 10 am pickup. If I mailed it at 11 am it wouldn't get po...
by Duckie
Mon Apr 17, 2017 5:16 pm
Forum: Personal Finance (Not Investing)
Topic: is it too late for backdoor roth?
Replies: 7
Views: 524

Re: is it too late for backdoor roth?

To be clear, I can file 8066 next year even though the contribution is for 2016. Is this correct? You fill out Part I of IRS Form 8606 and file it now for the 2016 contribution. This form is allowed to be filed on its own, so send it in via snail-mail. You will fill out Part II and file it next yea...
by Duckie
Sun Apr 16, 2017 5:43 pm
Forum: Investing - Help with Personal Investments
Topic: State tax on Roth 401k
Replies: 2
Views: 371

Re: State tax on Roth 401k

Will on retirement, my income from Roth 401k be subject to state tax if I stay in California since my current taxes do not include state taxes . No. California follows the IRS rules and does not tax qualified distributions from Roth plans. The fact that you paid no state taxes when contributing doe...
by Duckie
Sat Apr 15, 2017 6:10 pm
Forum: Investing - Help with Personal Investments
Topic: Advice for a young couple starting investing and financial plan?
Replies: 14
Views: 1829

Re: Advice for a young couple starting investing and financial plan?

Age: 32 Desired Asset allocation: Help? At your age you could have 20% to 25% bonds. Desired International allocation: Also help? Vanguard has found between 20% and 40% of stocks in international to be the "sweet spot". See the Vanguard paper link and the discussion . I usually split the ...
by Duckie
Fri Apr 14, 2017 4:28 pm
Forum: Investing - Help with Personal Investments
Topic: Rebalance 401K for diversity and remaining Savings/Emergency fund advice.
Replies: 5
Views: 388

Re: Rebalance 401K for diversity and remaining Savings/Emergency fund advice.

Her rollover IRA is at Fidelity with funds and balances below: Fidelity Equity Dividend Income FEQTX $31,895 Fidelity Value FDVLX $39,198 Janus Triton Fund CLS T JATTX $26,065 Those are expensive funds. FEQTX costs 0.72%, FDVLX costs 0.67%, and JATTX costs 0.93%. She could have much cheaper index f...
by Duckie
Fri Apr 14, 2017 3:53 pm
Forum: Investing - Help with Personal Investments
Topic: Changing up 401k mix, taxable investment questions, and hoping for some advice
Replies: 6
Views: 437

Re: Changing up 401k mix, taxable investment questions, and hoping for some advice

What's the best avenue for taxable investing? If I'm able to contribute after tax to my 401k in addition to the $18k pre-tax max should I go that route? That would be good as long as you can roll the after-tax amount out to a Roth IRA at least once a year, or if the plan allows the after-tax amount...
by Duckie
Thu Apr 13, 2017 5:25 pm
Forum: Investing - Help with Personal Investments
Topic: international funds question
Replies: 14
Views: 1002

Re: international funds question

Dominic wrote:DM changed its index in 2015 to add Canadian exposure.

I didn't know that. :oops: Thanks.
by Duckie
Thu Apr 13, 2017 5:20 pm
Forum: Investing - Help with Personal Investments
Topic: Changing up 401k mix, taxable investment questions, and hoping for some advice
Replies: 6
Views: 437

Re: Changing up 401k mix, taxable investment questions, and hoping for some advice

Taxable investing. I'm very interested in the idea of doing this and honestly have no clue what the best track would be for me to consider. Do I just buy mutual funds? Individual stocks? This is one I'm kind of lost on so haven't offered much personal insight below. I'm willing to contribute an add...
by Duckie
Thu Apr 13, 2017 4:59 pm
Forum: Investing - Help with Personal Investments
Topic: Rebalance 401K for diversity and remaining Savings/Emergency fund advice.
Replies: 5
Views: 388

Re: Rebalance 401K for diversity and remaining Savings/Emergency fund advice.

3nickles , welcome to the forum. I'm honestly not sure WHAT if anything my wife can contribute to an IRA (or other retirement account) and gain tax savings? At your joint income she can contribute $6500 to either a TIRA or a Roth IRA. The TIRA may or may not be deductible but she can at least contr...
by Duckie
Thu Apr 13, 2017 4:24 pm
Forum: Investing - Help with Personal Investments
Topic: international funds question
Replies: 14
Views: 1002

Re: international funds question

jafcorrea wrote:trying to understand, what is the difference in TISM and EM + DM

Another difference is Canada. TISM has it at ~6%. Neither DM nor EM has it.
by Duckie
Wed Apr 12, 2017 7:51 pm
Forum: Investing - Help with Personal Investments
Topic: Backdoor ROTH questions
Replies: 12
Views: 796

Re: Backdoor ROTH questions

Wanttolearn wrote:My question is there was no 2016 or 2017 ask here - is this fine? Does all money into Roth go into one pile or is it supposed to be marked as '2016', '2017', etc?

It all goes in one pile. The date only mattered for the contribution.
by Duckie
Wed Apr 12, 2017 7:18 pm
Forum: Investing - Help with Personal Investments
Topic: 401k advice for new investor
Replies: 6
Views: 410

Re: 401k advice for new investor

radore , welcome to the forum. From below I am currently 50/50 in: (PLFIX) LargeCap S&P 500 Index-Principal Global (0.16%) (PSSIX) SmallCap S&P 600 Index (0.21%) I also have a large portion from previous allocation: (VIGRX) Vanguard Growth Index Investor Fund (0.22%) First, large caps are a...
by Duckie
Wed Apr 12, 2017 7:01 pm
Forum: Investing - Help with Personal Investments
Topic: Help with Roth IRA
Replies: 6
Views: 546

Re: Help with Roth IRA

We already did are taxes earlier this year and have received our refund. Has anyone had any experience with this? Should we amend our taxes? If you quickly make the 2016 contributions to a Roth IRA there will be nothing to amend because direct Roth IRA contributions don't go on your tax forms. Also...
by Duckie
Wed Apr 12, 2017 6:53 pm
Forum: Investing - Help with Personal Investments
Topic: Rolling a traditional IRA into a 401(k)
Replies: 2
Views: 218

Re: Rolling a traditional IRA into a 401(k)

PI would appreciate your thoughts on whether I should roll these funds into my 401k to enable pursuit of a backdoor roth with minimal current tax liability. Depending on the plan expense ratios, yes, roll to the 401k. Overall, my current 401k plan options seem on par with what I have experienced at...
by Duckie
Wed Apr 12, 2017 5:17 pm
Forum: Investing - Help with Personal Investments
Topic: New 401(K) Fund Options & Overall Allocation
Replies: 5
Views: 366

Re: New 401(K) Fund Options & Overall Allocation

I'm not sure yet what my old 401(K) options will be in Vanguard. When I investigate my options for "Roll over or leave your plan," I'm told my waiting period for doing anything ends 4/24/2017. I'm currently all in Target Retirement 2050 Trust Plus at the low ER of .06%. Does that mean you...
by Duckie
Tue Apr 11, 2017 7:44 pm
Forum: Investing - Help with Personal Investments
Topic: Last 2 years performance & Portfolio Advice - 2017
Replies: 9
Views: 1150

Re: Last 2 years performance & Portfolio Advice - 2017

Based on the options and my current status, I think I need to create a 5 fund portfolio using all 5 Vanguard funds. If that's the right path, how should I distribute my allocation? Something like??? Bond - 20%, International: 25%, Small+Mid+Institutional => 55%? If that's your AA (55/25/20) and if ...
by Duckie
Tue Apr 11, 2017 7:22 pm
Forum: Investing - Help with Personal Investments
Topic: New 401(K) Fund Options & Overall Allocation
Replies: 5
Views: 366

Re: New 401(K) Fund Options & Overall Allocation

I'm looking for help with new employer 401(k) fund choices and overall asset allocation after starting a new job. What are the plan expense ratios in the new 401k? Now that the 401(K) will be converted to a Tradtional IRA in Vanguard, we will have access to the same funds as the Roth IRAs, so going...
by Duckie
Tue Apr 11, 2017 6:59 pm
Forum: Investing - Help with Personal Investments
Topic: Spring Cleaning my 401(k)
Replies: 8
Views: 805

Re: Spring Cleaning my 401(k)

WhataM wrote:I currently have no other investment accounts, however I will be rolling this account over at years end into a Roth IRA.

If you're going to be rolling this to an IRA soon, just make it 100% 500 Index.
by Duckie
Tue Apr 11, 2017 6:48 pm
Forum: Investing - Help with Personal Investments
Topic: Roth Vs Backdoor Roth
Replies: 4
Views: 447

Re: Roth Vs Backdoor Roth

pop77 wrote:Could I directly do backdoor Roth for the remaining amount (9500), though I am Roth eligible?

Yes. But you do need to be aware of the pro-rata rule.
by Duckie
Mon Apr 10, 2017 6:11 pm
Forum: Investing - Help with Personal Investments
Topic: Help Offsetting Bad 403(b) Options with Index Funds
Replies: 12
Views: 629

Re: Help Offsetting Bad 403(b) Options with Index Funds

TopplingGoliath , welcome to the forum. The 403(b) provider takes another 0.25%, for a total of 1.04%. We also contribute to a 457 that has several Vanguard Index funds available. List your options for both plans. We need the fund names, ticker symbols, and plan expense ratios. Does it make sense t...

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