newbie here, 457b plan

Have a question about your personal investments? No matter how simple or complex, you can ask it here.
BashDash
Posts: 902
Joined: Mon Nov 28, 2016 12:31 pm

Re: newbie here, 457b plan

Post by BashDash »

OP: you struck gold with who responded to your posts. Many have helped me in past and recently. I set up that amazing 457 plan six years ago and also transferred my clunker 403b to a low cost version. For now, I use Roth IRAs too and in 4 years I plan to use the Roth 403b and 457 too to help diversify. I realize this won't be perfect but I don't want a massive traditional account with two pensions for us. I have all this on autopilot and don't pay attention to market ups and downs.
Topic Author
enkuero
Posts: 33
Joined: Sun May 02, 2021 8:47 am

Re: newbie here, 457b plan

Post by enkuero »

BashDash wrote: Tue May 11, 2021 6:03 pm OP: you struck gold with who responded to your posts. Many have helped me in past and recently. I set up that amazing 457 plan six years ago and also transferred my clunker 403b to a low cost version. For now, I use Roth IRAs too and in 4 years I plan to use the Roth 403b and 457 too to help diversify. I realize this won't be perfect but I don't want a massive traditional account with two pensions for us. I have all this on autopilot and don't pay attention to market ups and downs.

Crazy, never registered an online account for my 403b, never opened an emeail statement from them until the end of last month after i bought the book, didn't know how much money i had, nothing, Now, im checking everyday like if somebody is going to steal my money. lol
retire2022
Posts: 2001
Joined: Tue Oct 02, 2018 6:10 pm
Location: NYC

Re: newbie here, 457b plan

Post by retire2022 »

enkuero wrote: Tue May 11, 2021 7:34 pm
BashDash wrote: Tue May 11, 2021 6:03 pm OP: you struck gold with who responded to your posts. Many have helped me in past and recently. I set up that amazing 457 plan six years ago and also transferred my clunker 403b to a low cost version. For now, I use Roth IRAs too and in 4 years I plan to use the Roth 403b and 457 too to help diversify. I realize this won't be perfect but I don't want a massive traditional account with two pensions for us. I have all this on autopilot and don't pay attention to market ups and downs.

Crazy, never registered an online account for my 403b, never opened an emeail statement from them until the end of last month after i bought the book, didn't know how much money i had, nothing, Now, im checking everyday like if somebody is going to steal my money. lol
It is a good obsession, being self aware and learning from the wiki getting started is all part of the education.

best of luck in 30 plus years or so you will be FIRE.
Topic Author
enkuero
Posts: 33
Joined: Sun May 02, 2021 8:47 am

Re: newbie here, 457b plan

Post by enkuero »

Hi once again, big dilemma, I kindly asked the school district if they can add vanguard or fidelity to the vendor's list and I guess I was lucky that the answer was a big 'YES', now should I contribute to the 457b or vanguard? i can only contribute 14k to one of them , thanks


Money Market-Taxable

VANGUARD CASH RESERVES FEDERAL MONEY - VMRXX
10/3/1989 5/31/2021 0.00 0.00 0.07 1.39 1.26 0.69 2.99
VANGUARD FEDERAL MONEY MARKET FUND - VMFXX
7/13/1981 5/31/2021 0.00 0.00 0.05 1.25 1.07 0.55 3.99
VANGUARD TREASURY MONEY MARKET-INVESTOR - VUSXX
12/14/1992 5/31/2021 0.01 0.00 0.05 1.26 1.07 0.55 2.35
Morningstar US Cash T-bill TR USD 5/31/2021 0.02 0.01 0.09 1.32 1.11 0.58
Short Government

VANGUARD SHORT-TERM FEDERAL FUND ADMIRAL - VSGDX
2/12/2001 5/31/2021 0.21 0.12 1.44 3.47 2.19 1.71 3.11
Morningstar US 1-5Y Tsy&Gv Bd TR USD 5/31/2021 -0.19 0.28 0.17 3.45 2.09 1.68
Short-Term Bond

VANGUARD SHORT-TERM INVESTMENT-GRADE FUN - VFSUX
2/12/2001 5/31/2021 0.26 0.42 3.24 4.21 2.98 2.59 3.61
Morningstar US 1-5Y Core Bd TR USD 5/31/2021 -0.40 0.02 0.47 3.60 2.33 2.06
Intermediate Government

VANGUARD INTERMEDIATE-TERM TREASURY FUND - VFIUX
2/12/2001 5/31/2021 -1.40 0.37 -0.85 5.24 2.79 2.92 4.57
Morningstar US 5-10Y Tsy&Gv Bd TR USD 5/31/2021 -3.05 0.05 -2.88 5.50 2.91 3.47
Intermediate Core Bond

VANGUARD CORE BOND FUND ADMIRAL SHARES - VCOBX
3/28/2016 5/31/2021 -2.21 0.14 1.15 6.10 3.93 3.97
VANGUARD INTERMEDIATE-TERM BOND INDEX FU - VBILX
11/12/2001 5/31/2021 -2.61 -0.14 0.24 6.35 3.78 4.10 5.05
VANGUARD TOTAL BOND MARKET INDEX FUND AD - VBTLX
11/12/2001 5/31/2021 -2.45 -0.17 -0.49 5.12 3.23 3.24 4.16
Morningstar US Core Bd TR Hdg USD 5/31/2021 -2.33 0.10 -0.49 5.03 3.21 3.23
Inflation-Protected Bond

VANGUARD INFLATION-PROTECTED SECS - ADM - VAIPX
6/10/2005 5/31/2021 1.08 2.38 6.90 6.42 4.36 3.34 4.06
Morningstar US TIPS TR USD 5/31/2021 1.07 2.78 6.87 6.25 4.33 3.32
Corporate Bond

VANGUARD INTERMEDIATE-TERM INVESTMENT-GR - VFIDX
2/12/2001 5/31/2021 -1.69 0.33 3.23 6.80 4.42 4.48 5.50
Morningstar US Corp Bd TR Hdg USD 5/31/2021 -2.90 0.51 3.60 6.87 4.89 4.75
World Bond-USD Hedged

VANGUARD TOTAL INTERNATIONAL BOND INDEX - VTABX
5/31/2013 5/31/2021 -2.78 -0.50 -0.22 3.82 3.06 3.62
BBgBarc Global Aggregate TR Hdg USD 5/31/2021 -2.00 0.09 0.09 4.49 3.27 3.80
High Yield Bond

VANGUARD HIGH-YIELD CORPORATE FUND ADMIR - VWEAX
11/12/2001 5/31/2021 1.30 1.24 10.77 6.81 6.43 6.03 6.60
ICE BofA US High Yield TR USD 5/31/2021 2.31 1.56 15.18 6.79 7.24 6.25
Long-Term Bond

VANGUARD LONG-TERM INVESTMENT-GRADE FUND - VWETX
2/12/2001 5/31/2021 -6.88 -0.44 -0.48 9.02 6.26 7.17 7.23
Morningstar US 10+Y Corp Bd TR USD 5/31/2021 -6.34 0.58 3.16 9.14 6.89 7.03
Allocation--15% to 30% Equity

VANGUARD LIFESTRATEGY INCOME FUND - VASIX
9/30/1994 5/31/2021 0.20 1.61 7.45 6.81 5.56 4.80 6.25
Morningstar Con Tgt Risk TR USD 5/31/2021 0.82 2.46 8.80 7.03 5.63 4.50
Target-Date Retirement

VANGUARD INSTL TARGET RET INCOME FUND - VITRX
6/26/2015 5/31/2021 2.54 2.88 12.80 7.84 6.79 6.03
Morningstar Lifetime Mod Incm TR USD 5/31/2021 4.13 4.35 16.46 8.34 7.19 5.62
Allocation--30% to 50% Equity

VANGUARD LIFESTRATEGY CONSERVATIVE GROWT - VSCGX
9/30/1994 5/31/2021 3.00 3.36 15.76 8.88 7.96 6.47 7.11
VANGUARD WELLESLEY INCOME FUND ADMIRAL S - VWIAX
5/14/2001 5/31/2021 4.56 5.22 13.53 9.66 7.85 7.67 7.22
Morningstar Mod Con Tgt Risk TR USD 5/31/2021 3.65 4.16 16.87 9.25 8.17 6.35
Target-Date 2015

VANGUARD INSTL TARGET RET 2015 FUND - VITVX
6/26/2015 5/31/2021 2.93 3.10 14.45 8.20 7.83 6.63
Morningstar Lifetime Mod 2015 TR USD 5/31/2021 3.88 4.83 18.31 9.54 8.50 6.84
Target-Date 2020

VANGUARD INSTL TARGET RET 2020 FUND - VITWX
6/26/2015 5/31/2021 4.57 4.21 20.10 9.65 9.38 7.81
Morningstar Lifetime Mod 2020 TR USD 5/31/2021 4.26 5.21 20.18 10.10 9.20 7.38
Target-Date 2025

VANGUARD INSTL TARGET RET 2025 FUND - VRIVX
6/26/2015 5/31/2021 5.65 5.00 24.11 10.69 10.49 8.61
Morningstar Lifetime Mod 2025 TR USD 5/31/2021 5.05 5.71 22.93 10.68 10.05 8.01
Allocation--50% to 70% Equity

VANGUARD BALANCED INDEX FUND ADMIRAL SHA - VBIAX
11/13/2000 5/31/2021 6.30 5.47 24.61 13.18 11.84 9.99 7.18
VANGUARD LIFESTRATEGY MODERATE GROWTH FU - VSMGX
9/30/1994 5/31/2021 5.78 5.12 24.48 10.80 10.28 8.10 8.01
VANGUARD STAR FUND - VGSTX
3/29/1985 5/31/2021 6.31 4.36 31.00 13.93 12.93 9.90 9.87
VANGUARD WELLINGTON FUND ADMIRAL SHARES - VWENX
5/14/2001 5/31/2021 8.79 8.39 25.75 12.96 11.79 10.18 8.37
Morningstar Mod Tgt Risk TR USD 5/31/2021 6.56 5.93 25.54 10.93 10.34 7.83
Target-Date 2030

VANGUARD INSTL TARGET RET 2030 FUND - VTTWX
6/26/2015 5/31/2021 6.72 5.67 27.61 11.42 11.36 9.19
Morningstar Lifetime Mod 2030 TR USD 5/31/2021 6.43 6.42 27.05 11.31 11.07 8.68
Target-Date 2035

VANGUARD INSTL TARGET RET 2035 FUND - VITFX
6/26/2015 5/31/2021 7.80 6.35 31.04 12.10 12.22 9.76
Morningstar Lifetime Mod 2035 TR USD 5/31/2021 8.24 7.24 32.14 11.90 12.05 9.24
Allocation--70% to 85% Equity

VANGUARD LIFESTRATEGY GROWTH FUND - VASGX
9/30/1994 5/31/2021 8.65 6.92 33.73 12.65 12.55 9.58 8.65
Morningstar Mod Agg Tgt Risk TR USD 5/31/2021 9.45 7.53 34.76 12.44 12.49 9.18
Target-Date 2040

VANGUARD INSTL TARGET RET 2040 FUND - VIRSX
6/26/2015 5/31/2021 8.86 7.00 34.56 12.75 13.06 10.29
Morningstar Lifetime Mod 2040 TR USD 5/31/2021 9.87 7.96 36.77 12.35 12.75 9.57
Target-Date 2045

VANGUARD INSTL TARGET RET 2045 FUND - VITLX
6/26/2015 5/31/2021 9.94 7.70 38.22 13.46 13.67 10.78
Morningstar Lifetime Mod 2045 TR USD 5/31/2021 10.86 8.37 39.72 12.60 13.10 9.66
Target-Date 2050

VANGUARD INSTL TARGET RET 2050 FUND - VTRLX
6/26/2015 5/31/2021 10.08 7.81 38.57 13.56 13.72 10.83
Morningstar Lifetime Mod 2050 TR USD 5/31/2021 11.23 8.49 40.92 12.65 13.19 9.61
Target-Date 2055

VANGUARD INSTL TARGET RET 2055 FUND - VIVLX
6/26/2015 5/31/2021 10.08 7.82 38.57 13.57 13.73 10.84
Morningstar Lifetime Mod 2055 TR USD 5/31/2021 11.29 8.49 41.33 12.60 13.19 9.52
Target-Date 2060

VANGUARD INSTL TARGET RET 2060 FUND - VILVX
6/26/2015 5/31/2021 10.09 7.83 38.61 13.60 13.74 10.84
Morningstar Lifetime Mod 2060 TR USD 5/31/2021 11.28 8.46 41.55 12.53 13.15 9.42
Target-Date 2065+

VANGUARD INSTL TARGET RET 2065 FUND - VSXFX
7/12/2017 5/31/2021 10.08 7.81 38.56 13.52 13.12
Morningstar Lifetime Mod 2060 TR USD 5/31/2021 11.28 8.46 41.55 12.53 13.15 9.42
Large Value

VANGUARD EQUITY INCOME FUND ADMIRAL SHAR - VEIRX
8/13/2001 5/31/2021 17.02 13.72 37.77 13.06 12.87 12.45 8.74
VANGUARD VALUE INDEX FUND ADMIRAL SHARES - VVIAX
11/13/2000 5/31/2021 18.20 13.41 41.58 13.36 13.54 12.16 7.41
VANGUARD WINDSOR FUND ADMIRAL SHARES - VWNEX
11/12/2001 5/31/2021 20.70 13.81 54.24 14.04 14.40 12.28 8.56
VANGUARD WINDSOR FUND INVESTOR SHARES - VWNDX
10/23/1958 5/31/2021 20.63 13.81 54.13 13.93 14.28 12.17 11.48
VANGUARD WINDSOR II FUND ADMIRAL SHARES - VWNAX
5/14/2001 5/31/2021 18.74 11.96 53.53 17.58 15.42 12.73 8.36
Morningstar US Large Value TR USD 5/31/2021 15.68 12.09 35.14 11.79 11.83 10.58
Large Blend

VANGUARD 500 INDEX FUND ADMIRAL SHARES - VFIAX
11/13/2000 5/31/2021 12.62 10.71 40.29 17.97 17.13 14.35 7.75
VANGUARD DIVIDEND GROWTH FUND - VDIGX
5/15/1992 5/31/2021 10.95 13.23 32.38 17.13 15.02 13.36 9.33
VANGUARD FTSE SOCIAL INDEX - ADMIRAL - VFTAX
2/7/2019 5/31/2021 10.77 9.57 41.72 19.60 18.77 15.52 25.15
VANGUARD GROWTH AND INCOME FUND ADMIRAL - VGIAX
5/14/2001 5/31/2021 13.55 11.59 41.80 17.41 16.83 14.50 8.15
VANGUARD PRIMECAP CORE FUND - VPCCX
12/9/2004 5/31/2021 17.60 8.50 50.40 16.30 17.38 14.57 11.83
VANGUARD TOTAL STOCK MARKET INDEX FUND A - VTSAX
11/13/2000 5/31/2021 12.38 9.27 43.97 18.02 17.36 14.20 8.27
Morningstar US Large-Mid TR USD 5/31/2021 11.71 9.73 41.57 18.46 17.44 14.42
Large Growth

VANGUARD CAPITAL OPPORTUNITY FUND ADMIRA - VHCAX
11/12/2001 5/31/2021 13.70 6.21 51.58 17.65 19.72 16.03 12.30
VANGUARD GROWTH INDEX FUND ADMIRAL SHARE - VIGAX
11/13/2000 5/31/2021 6.97 7.12 41.14 23.39 21.46 16.61 8.46
VANGUARD U.S. GROWTH FUND ADMIRAL SHARES - VWUAX
8/13/2001 5/31/2021 2.72 0.98 45.18 26.10 23.78 17.97 9.18
Morningstar US Large Growth TR USD 5/31/2021 5.39 5.85 34.04 22.18 21.92 17.43
Mid-Cap Value

VANGUARD MID-CAP VALUE INDEX FUND ADMIRA - VMVAX
9/27/2011 5/31/2021 21.56 13.37 54.62 12.14 12.59 11.79 14.42
VANGUARD SELECTED VALUE FUND - VASVX
2/15/1996 5/31/2021 24.98 15.22 74.90 13.14 12.97 11.42 9.48
Morningstar US Mid Val TR USD 5/31/2021 25.91 14.09 61.44 10.67 12.19 11.91
Mid-Cap Blend

VANGUARD MID-CAP INDEX FUND ADMIRAL SHAR - VIMAX
11/12/2001 5/31/2021 13.27 8.18 47.12 16.16 15.32 12.65 11.00
VANGUARD STRATEGIC EQUITY FUND - VSEQX
8/14/1995 5/31/2021 21.94 11.12 60.24 12.96 14.68 13.01 11.17
Morningstar US Mid Cap TR USD 5/31/2021 14.46 8.97 50.41 16.93 16.19 13.35
Mid-Cap Growth

VANGUARD EXTENDED MARKET INDEX FUND ADMI - VEXAX
11/13/2000 5/31/2021 11.59 3.12 62.58 17.62 18.00 13.38 9.69
VANGUARD MID-CAP GROWTH FUND - VMGRX
12/31/1997 5/31/2021 3.64 0.17 37.29 17.55 16.91 12.97 11.25
VANGUARD MID-CAP GROWTH INDEX FUND ADMIR - VMGMX
9/27/2011 5/31/2021 5.70 3.21 39.94 19.75 17.80 13.30 15.84
Morningstar US Mid Core TR USD 5/31/2021 15.93 12.20 50.29 15.94 14.61 13.09
Small Value

VANGUARD SMALL-CAP VALUE INDEX FUND ADMI - VSIAX
9/27/2011 5/31/2021 24.29 11.92 70.71 11.33 13.04 11.71 14.55
Morningstar US Small Val TR USD 5/31/2021 31.53 16.26 83.20 9.76 11.31 10.51
Small Blend

VANGUARD EXPLORER VALUE FUND - VEVFX
3/30/2010 5/31/2021 24.97 10.93 71.62 10.95 13.06 11.37 12.45
VANGUARD SMALL-CAP INDEX FUND ADMIRAL SH - VSMAX
11/13/2000 5/31/2021 14.75 5.79 58.22 14.48 15.69 12.50 10.21
VANGUARD STRATEGIC SMALL-CAP EQUITY FUND - VSTCX
4/24/2006 5/31/2021 25.58 10.81 69.74 11.14 13.74 11.99 8.63
Morningstar US Small Cap TR USD 5/31/2021 16.04 5.88 61.09 12.71 14.54 11.61
Small Growth

VANGUARD EXPLORER FUND ADMIRAL SHARES - VEXRX
11/12/2001 5/31/2021 9.86 2.79 52.94 18.73 20.32 14.10 10.99
VANGUARD SMALL-CAP GROWTH INDEX FUND ADM - VSGAX
9/27/2011 5/31/2021 3.59 -1.81 43.33 17.45 18.39 13.10 16.04
Morningstar US Small Growth TR USD 5/31/2021 -1.55 -5.98 41.13 15.63 18.05 13.00
World Large-Stock Blend

VANGUARD GLOBAL EQUITY FUND - VHGEX
8/14/1995 5/31/2021 11.00 7.04 48.15 16.13 16.40 11.29 9.84
VANGUARD TOTAL WORLD STOCK INDEX FUND AD - VTWAX
2/7/2019 5/31/2021 11.25 8.70 43.20 13.94 14.42 9.86 20.07
Morningstar Gbl Mkts Large Cap NR USD 5/31/2021 10.16 8.68 39.90 14.01 14.29 9.63
Foreign Large Value

VANGUARD INTERNATIONAL VALUE FUND - VTRIX
5/16/1983 5/31/2021 12.65 9.46 49.16 9.00 10.99 5.92 8.90
Morningstar Gbl Mkts xUS GR USD 5/31/2021 10.25 7.83 44.01 9.59 11.59 6.43
Foreign Large Blend

VANGUARD DEVELOPED MARKETS INDEX FUND AD - VTMGX
8/17/1999 5/31/2021 11.15 9.71 42.00 8.99 10.64 6.36 5.02
VANGUARD FTSE ALL-WORLD EX-US INDEX FUND - VFWAX
9/27/2011 5/31/2021 10.00 7.63 42.60 9.26 11.12 5.59 8.26
VANGUARD TOTAL INTERNATIONAL STOCK INDEX - VTIAX
11/29/2010 5/31/2021 10.21 7.85 43.05 9.02 11.00 5.61 6.54
Morningstar Gbl Mkts xUS GR USD 5/31/2021 10.25 7.83 44.01 9.59 11.59 6.43
Foreign Large Growth

VANGUARD INTERNATIONAL GROWTH FUND ADMIR - VWILX
8/13/2001 5/31/2021 2.81 0.49 59.94 21.86 22.48 12.01 9.93
Morningstar Gbl Mkts xUS GR USD 5/31/2021 10.25 7.83 44.01 9.59 11.59 6.43
Foreign Small/Mid Blend

VANGUARD FTSE ALL WRLD EX-US SM CAP -ADM - VFSAX
2/7/2019 5/31/2021 12.04 9.11 49.25 7.42 10.36 5.65 16.49
Morningstar Gbl Mkts SMID Cap GR USD 5/31/2021 13.59 8.36 51.42 12.44 13.59 9.78
Foreign Small/Mid Growth

VANGUARD INTERNATIONAL EXPLORER FUND - VINEX
11/4/1996 5/31/2021 9.31 7.78 46.10 5.69 9.97 7.15 9.43
Morningstar Gbl Mkts xUS GR USD 5/31/2021 10.25 7.83 44.01 9.59 11.59 6.43
Europe Stock

VANGUARD EUROPEAN STOCK INDEX FUND ADMIR - VEUSX
8/13/2001 5/31/2021 14.14 13.03 44.26 9.40 10.21 5.99 6.39
Morningstar Gbl Mkts xUS GR USD 5/31/2021 10.25 7.83 44.01 9.59 11.59 6.43
Diversified Emerging Mkts

VANGUARD EMERGING MARKETS STOCK INDEX FU - VEMAX
6/23/2006 5/31/2021 7.35 2.60 46.59 9.38 12.71 3.60 6.64
Morningstar EM GR USD 5/31/2021 8.06 4.09 52.99 10.73 14.36 4.90
Real Estate

VANGUARD REAL ESTATE INDEX - ADMIRAL - VGSLX
11/12/2001 5/31/2021 18.27 14.40 34.14 12.51 7.96 9.08 10.52
Morningstar US Real Estate TR USD 5/31/2021 16.68 14.11 33.22 11.66 8.24 8.76
Health

VANGUARD HEALTH CARE FUND ADMIRAL SHARES - VGHAX
11/12/2001 5/31/2021 5.74 7.70 13.52 14.03 10.94 14.04 10.99
Morningstar US Healthcare TR USD 5/31/2021 7.70 7.38 22.96 17.04 14.37 15.70
Equity Energy

VANGUARD ENERGY FUND ADMIRAL SHARES - VGELX
11/12/2001 5/31/2021 16.78 10.49 18.68 -10.62 -2.26 -2.87 6.38
Morningstar US Energy Capped TR USD 5/31/2021 40.15 10.38 45.84 -7.61 -1.10 -0.91
lakpr
Posts: 7968
Joined: Fri Mar 18, 2011 9:59 am

Re: newbie here, 457b plan

Post by lakpr »

That is an excellent and very welcome news! I would still go with the 457 plan, if you can’t max out the annual $19,500 limit. BlackRock, the provider in NY state 457 plan, is a very reputable firm, with cost ratios rivaling Vanguard’s.

But surely in the future when your income increases and/or you could save more, you can resume contributing to the 403b plan and have choice to invest with Vanguard funds.
retiredjg
Posts: 44887
Joined: Thu Jan 10, 2008 12:56 pm

Re: newbie here, 457b plan

Post by retiredjg »

enkuero wrote: Sat Jun 12, 2021 10:24 pm Hi once again, big dilemma, I kindly asked the school district if they can add vanguard or fidelity to the vendor's list and I guess I was lucky that the answer was a big 'YES', now should I contribute to the 457b or vanguard? i can only contribute 14k to one of them , thanks
It still depends on which has the lower fees.

It is great that you got them to add a better vendor. However, that does not mean the Vanguard 403b total fees are lower than the 457 total fees.

For example, they could both offer an S&P 500 index fund for about the same expense ratio. But if the 403b has an administrative fee (common) and the 457 does not, you should use the 457.


But...I think you are allowed to move the money you already have in the bad 403b to the probably better Vanguard 403b. If you can, do that no matter which plan you choose for your future contributions.
Topic Author
enkuero
Posts: 33
Joined: Sun May 02, 2021 8:47 am

Re: newbie here, 457b plan

Post by enkuero »

retiredjg wrote: Sun Jun 13, 2021 7:07 am
enkuero wrote: Sat Jun 12, 2021 10:24 pm Hi once again, big dilemma, I kindly asked the school district if they can add vanguard or fidelity to the vendor's list and I guess I was lucky that the answer was a big 'YES', now should I contribute to the 457b or vanguard? i can only contribute 14k to one of them , thanks
It still depends on which has the lower fees.

It is great that you got them to add a better vendor. However, that does not mean the Vanguard 403b total fees are lower than the 457 total fees.

For example, they could both offer an S&P 500 index fund for about the same expense ratio. But if the 403b has an administrative fee (common) and the 457 does not, you should use the 457.


But...I think you are allowed to move the money you already have in the bad 403b to the probably better Vanguard 403b. If you can, do that no matter which plan you choose for your future contributions.
yes, 457b fees are lower, also im in the process of transferring from AXA to vanguard but let me tell you, AXA is finding every excuse and making it harder for me to leave them. they also sent me the wrong forms after 21 days requested. unreal
Topic Author
enkuero
Posts: 33
Joined: Sun May 02, 2021 8:47 am

Re: newbie here, 457b plan

Post by enkuero »

lakpr wrote: Sun Jun 13, 2021 2:48 am That is an excellent and very welcome news! I would still go with the 457 plan, if you can’t max out the annual $19,500 limit. BlackRock, the provider in NY state 457 plan, is a very reputable firm, with cost ratios rivaling Vanguard’s.

But surely in the future when your income increases and/or you could save more, you can resume contributing to the 403b plan and have choice to invest with Vanguard funds.

thanks. just going to transfer the money to vanguard and let it ride
User avatar
ruralavalon
Posts: 21725
Joined: Sat Feb 02, 2008 10:29 am
Location: Illinois

Re: newbie here, 457b plan

Post by ruralavalon »

enkuero wrote: Sat Jun 12, 2021 10:24 pm Hi once again, big dilemma, I kindly asked the school district if they can add vanguard or fidelity to the vendor's list and I guess I was lucky that the answer was a big 'YES', now should I contribute to the 457b or vanguard? i can only contribute 14k to one of them , thanks


Money Market-Taxable

VANGUARD CASH RESERVES FEDERAL MONEY - VMRXX
10/3/1989 5/31/2021 0.00 0.00 0.07 1.39 1.26 0.69 2.99
VANGUARD FEDERAL MONEY MARKET FUND - VMFXX
7/13/1981 5/31/2021 0.00 0.00 0.05 1.25 1.07 0.55 3.99
VANGUARD TREASURY MONEY MARKET-INVESTOR - VUSXX
12/14/1992 5/31/2021 0.01 0.00 0.05 1.26 1.07 0.55 2.35
Morningstar US Cash T-bill TR USD 5/31/2021 0.02 0.01 0.09 1.32 1.11 0.58
Short Government

VANGUARD SHORT-TERM FEDERAL FUND ADMIRAL - VSGDX
2/12/2001 5/31/2021 0.21 0.12 1.44 3.47 2.19 1.71 3.11
Morningstar US 1-5Y Tsy&Gv Bd TR USD 5/31/2021 -0.19 0.28 0.17 3.45 2.09 1.68
Short-Term Bond

VANGUARD SHORT-TERM INVESTMENT-GRADE FUN - VFSUX
2/12/2001 5/31/2021 0.26 0.42 3.24 4.21 2.98 2.59 3.61
Morningstar US 1-5Y Core Bd TR USD 5/31/2021 -0.40 0.02 0.47 3.60 2.33 2.06
Intermediate Government

VANGUARD INTERMEDIATE-TERM TREASURY FUND - VFIUX
2/12/2001 5/31/2021 -1.40 0.37 -0.85 5.24 2.79 2.92 4.57
Morningstar US 5-10Y Tsy&Gv Bd TR USD 5/31/2021 -3.05 0.05 -2.88 5.50 2.91 3.47
Intermediate Core Bond

VANGUARD CORE BOND FUND ADMIRAL SHARES - VCOBX
3/28/2016 5/31/2021 -2.21 0.14 1.15 6.10 3.93 3.97
VANGUARD INTERMEDIATE-TERM BOND INDEX FU - VBILX
11/12/2001 5/31/2021 -2.61 -0.14 0.24 6.35 3.78 4.10 5.05
VANGUARD TOTAL BOND MARKET INDEX FUND AD - VBTLX
11/12/2001 5/31/2021 -2.45 -0.17 -0.49 5.12 3.23 3.24 4.16
Morningstar US Core Bd TR Hdg USD 5/31/2021 -2.33 0.10 -0.49 5.03 3.21 3.23
Inflation-Protected Bond

VANGUARD INFLATION-PROTECTED SECS - ADM - VAIPX
6/10/2005 5/31/2021 1.08 2.38 6.90 6.42 4.36 3.34 4.06
Morningstar US TIPS TR USD 5/31/2021 1.07 2.78 6.87 6.25 4.33 3.32
Corporate Bond

VANGUARD INTERMEDIATE-TERM INVESTMENT-GR - VFIDX
2/12/2001 5/31/2021 -1.69 0.33 3.23 6.80 4.42 4.48 5.50
Morningstar US Corp Bd TR Hdg USD 5/31/2021 -2.90 0.51 3.60 6.87 4.89 4.75
World Bond-USD Hedged

VANGUARD TOTAL INTERNATIONAL BOND INDEX - VTABX
5/31/2013 5/31/2021 -2.78 -0.50 -0.22 3.82 3.06 3.62
BBgBarc Global Aggregate TR Hdg USD 5/31/2021 -2.00 0.09 0.09 4.49 3.27 3.80
High Yield Bond

VANGUARD HIGH-YIELD CORPORATE FUND ADMIR - VWEAX
11/12/2001 5/31/2021 1.30 1.24 10.77 6.81 6.43 6.03 6.60
ICE BofA US High Yield TR USD 5/31/2021 2.31 1.56 15.18 6.79 7.24 6.25
Long-Term Bond

VANGUARD LONG-TERM INVESTMENT-GRADE FUND - VWETX
2/12/2001 5/31/2021 -6.88 -0.44 -0.48 9.02 6.26 7.17 7.23
Morningstar US 10+Y Corp Bd TR USD 5/31/2021 -6.34 0.58 3.16 9.14 6.89 7.03
Allocation--15% to 30% Equity

VANGUARD LIFESTRATEGY INCOME FUND - VASIX
9/30/1994 5/31/2021 0.20 1.61 7.45 6.81 5.56 4.80 6.25
Morningstar Con Tgt Risk TR USD 5/31/2021 0.82 2.46 8.80 7.03 5.63 4.50
Target-Date Retirement

VANGUARD INSTL TARGET RET INCOME FUND - VITRX
6/26/2015 5/31/2021 2.54 2.88 12.80 7.84 6.79 6.03
Morningstar Lifetime Mod Incm TR USD 5/31/2021 4.13 4.35 16.46 8.34 7.19 5.62
Allocation--30% to 50% Equity

VANGUARD LIFESTRATEGY CONSERVATIVE GROWT - VSCGX
9/30/1994 5/31/2021 3.00 3.36 15.76 8.88 7.96 6.47 7.11
VANGUARD WELLESLEY INCOME FUND ADMIRAL S - VWIAX
5/14/2001 5/31/2021 4.56 5.22 13.53 9.66 7.85 7.67 7.22
Morningstar Mod Con Tgt Risk TR USD 5/31/2021 3.65 4.16 16.87 9.25 8.17 6.35
Target-Date 2015

VANGUARD INSTL TARGET RET 2015 FUND - VITVX
6/26/2015 5/31/2021 2.93 3.10 14.45 8.20 7.83 6.63
Morningstar Lifetime Mod 2015 TR USD 5/31/2021 3.88 4.83 18.31 9.54 8.50 6.84
Target-Date 2020

VANGUARD INSTL TARGET RET 2020 FUND - VITWX
6/26/2015 5/31/2021 4.57 4.21 20.10 9.65 9.38 7.81
Morningstar Lifetime Mod 2020 TR USD 5/31/2021 4.26 5.21 20.18 10.10 9.20 7.38
Target-Date 2025

VANGUARD INSTL TARGET RET 2025 FUND - VRIVX
6/26/2015 5/31/2021 5.65 5.00 24.11 10.69 10.49 8.61
Morningstar Lifetime Mod 2025 TR USD 5/31/2021 5.05 5.71 22.93 10.68 10.05 8.01
Allocation--50% to 70% Equity

VANGUARD BALANCED INDEX FUND ADMIRAL SHA - VBIAX
11/13/2000 5/31/2021 6.30 5.47 24.61 13.18 11.84 9.99 7.18
VANGUARD LIFESTRATEGY MODERATE GROWTH FU - VSMGX
9/30/1994 5/31/2021 5.78 5.12 24.48 10.80 10.28 8.10 8.01
VANGUARD STAR FUND - VGSTX
3/29/1985 5/31/2021 6.31 4.36 31.00 13.93 12.93 9.90 9.87
VANGUARD WELLINGTON FUND ADMIRAL SHARES - VWENX
5/14/2001 5/31/2021 8.79 8.39 25.75 12.96 11.79 10.18 8.37
Morningstar Mod Tgt Risk TR USD 5/31/2021 6.56 5.93 25.54 10.93 10.34 7.83
Target-Date 2030

VANGUARD INSTL TARGET RET 2030 FUND - VTTWX
6/26/2015 5/31/2021 6.72 5.67 27.61 11.42 11.36 9.19
Morningstar Lifetime Mod 2030 TR USD 5/31/2021 6.43 6.42 27.05 11.31 11.07 8.68
Target-Date 2035

VANGUARD INSTL TARGET RET 2035 FUND - VITFX
6/26/2015 5/31/2021 7.80 6.35 31.04 12.10 12.22 9.76
Morningstar Lifetime Mod 2035 TR USD 5/31/2021 8.24 7.24 32.14 11.90 12.05 9.24
Allocation--70% to 85% Equity

VANGUARD LIFESTRATEGY GROWTH FUND - VASGX
9/30/1994 5/31/2021 8.65 6.92 33.73 12.65 12.55 9.58 8.65
Morningstar Mod Agg Tgt Risk TR USD 5/31/2021 9.45 7.53 34.76 12.44 12.49 9.18
Target-Date 2040

VANGUARD INSTL TARGET RET 2040 FUND - VIRSX
6/26/2015 5/31/2021 8.86 7.00 34.56 12.75 13.06 10.29
Morningstar Lifetime Mod 2040 TR USD 5/31/2021 9.87 7.96 36.77 12.35 12.75 9.57
Target-Date 2045

VANGUARD INSTL TARGET RET 2045 FUND - VITLX
6/26/2015 5/31/2021 9.94 7.70 38.22 13.46 13.67 10.78
Morningstar Lifetime Mod 2045 TR USD 5/31/2021 10.86 8.37 39.72 12.60 13.10 9.66
Target-Date 2050

VANGUARD INSTL TARGET RET 2050 FUND - VTRLX
6/26/2015 5/31/2021 10.08 7.81 38.57 13.56 13.72 10.83
Morningstar Lifetime Mod 2050 TR USD 5/31/2021 11.23 8.49 40.92 12.65 13.19 9.61
Target-Date 2055

VANGUARD INSTL TARGET RET 2055 FUND - VIVLX
6/26/2015 5/31/2021 10.08 7.82 38.57 13.57 13.73 10.84
Morningstar Lifetime Mod 2055 TR USD 5/31/2021 11.29 8.49 41.33 12.60 13.19 9.52
Target-Date 2060

VANGUARD INSTL TARGET RET 2060 FUND - VILVX
6/26/2015 5/31/2021 10.09 7.83 38.61 13.60 13.74 10.84
Morningstar Lifetime Mod 2060 TR USD 5/31/2021 11.28 8.46 41.55 12.53 13.15 9.42
Target-Date 2065+

VANGUARD INSTL TARGET RET 2065 FUND - VSXFX
7/12/2017 5/31/2021 10.08 7.81 38.56 13.52 13.12
Morningstar Lifetime Mod 2060 TR USD 5/31/2021 11.28 8.46 41.55 12.53 13.15 9.42
Large Value

VANGUARD EQUITY INCOME FUND ADMIRAL SHAR - VEIRX
8/13/2001 5/31/2021 17.02 13.72 37.77 13.06 12.87 12.45 8.74
VANGUARD VALUE INDEX FUND ADMIRAL SHARES - VVIAX
11/13/2000 5/31/2021 18.20 13.41 41.58 13.36 13.54 12.16 7.41
VANGUARD WINDSOR FUND ADMIRAL SHARES - VWNEX
11/12/2001 5/31/2021 20.70 13.81 54.24 14.04 14.40 12.28 8.56
VANGUARD WINDSOR FUND INVESTOR SHARES - VWNDX
10/23/1958 5/31/2021 20.63 13.81 54.13 13.93 14.28 12.17 11.48
VANGUARD WINDSOR II FUND ADMIRAL SHARES - VWNAX
5/14/2001 5/31/2021 18.74 11.96 53.53 17.58 15.42 12.73 8.36
Morningstar US Large Value TR USD 5/31/2021 15.68 12.09 35.14 11.79 11.83 10.58
Large Blend

VANGUARD 500 INDEX FUND ADMIRAL SHARES - VFIAX
11/13/2000 5/31/2021 12.62 10.71 40.29 17.97 17.13 14.35 7.75
VANGUARD DIVIDEND GROWTH FUND - VDIGX
5/15/1992 5/31/2021 10.95 13.23 32.38 17.13 15.02 13.36 9.33
VANGUARD FTSE SOCIAL INDEX - ADMIRAL - VFTAX
2/7/2019 5/31/2021 10.77 9.57 41.72 19.60 18.77 15.52 25.15
VANGUARD GROWTH AND INCOME FUND ADMIRAL - VGIAX
5/14/2001 5/31/2021 13.55 11.59 41.80 17.41 16.83 14.50 8.15
VANGUARD PRIMECAP CORE FUND - VPCCX
12/9/2004 5/31/2021 17.60 8.50 50.40 16.30 17.38 14.57 11.83
VANGUARD TOTAL STOCK MARKET INDEX FUND A - VTSAX
11/13/2000 5/31/2021 12.38 9.27 43.97 18.02 17.36 14.20 8.27
Morningstar US Large-Mid TR USD 5/31/2021 11.71 9.73 41.57 18.46 17.44 14.42
Large Growth

VANGUARD CAPITAL OPPORTUNITY FUND ADMIRA - VHCAX
11/12/2001 5/31/2021 13.70 6.21 51.58 17.65 19.72 16.03 12.30
VANGUARD GROWTH INDEX FUND ADMIRAL SHARE - VIGAX
11/13/2000 5/31/2021 6.97 7.12 41.14 23.39 21.46 16.61 8.46
VANGUARD U.S. GROWTH FUND ADMIRAL SHARES - VWUAX
8/13/2001 5/31/2021 2.72 0.98 45.18 26.10 23.78 17.97 9.18
Morningstar US Large Growth TR USD 5/31/2021 5.39 5.85 34.04 22.18 21.92 17.43
Mid-Cap Value

VANGUARD MID-CAP VALUE INDEX FUND ADMIRA - VMVAX
9/27/2011 5/31/2021 21.56 13.37 54.62 12.14 12.59 11.79 14.42
VANGUARD SELECTED VALUE FUND - VASVX
2/15/1996 5/31/2021 24.98 15.22 74.90 13.14 12.97 11.42 9.48
Morningstar US Mid Val TR USD 5/31/2021 25.91 14.09 61.44 10.67 12.19 11.91
Mid-Cap Blend

VANGUARD MID-CAP INDEX FUND ADMIRAL SHAR - VIMAX
11/12/2001 5/31/2021 13.27 8.18 47.12 16.16 15.32 12.65 11.00
VANGUARD STRATEGIC EQUITY FUND - VSEQX
8/14/1995 5/31/2021 21.94 11.12 60.24 12.96 14.68 13.01 11.17
Morningstar US Mid Cap TR USD 5/31/2021 14.46 8.97 50.41 16.93 16.19 13.35
Mid-Cap Growth

VANGUARD EXTENDED MARKET INDEX FUND ADMI - VEXAX
11/13/2000 5/31/2021 11.59 3.12 62.58 17.62 18.00 13.38 9.69
VANGUARD MID-CAP GROWTH FUND - VMGRX
12/31/1997 5/31/2021 3.64 0.17 37.29 17.55 16.91 12.97 11.25
VANGUARD MID-CAP GROWTH INDEX FUND ADMIR - VMGMX
9/27/2011 5/31/2021 5.70 3.21 39.94 19.75 17.80 13.30 15.84
Morningstar US Mid Core TR USD 5/31/2021 15.93 12.20 50.29 15.94 14.61 13.09
Small Value

VANGUARD SMALL-CAP VALUE INDEX FUND ADMI - VSIAX
9/27/2011 5/31/2021 24.29 11.92 70.71 11.33 13.04 11.71 14.55
Morningstar US Small Val TR USD 5/31/2021 31.53 16.26 83.20 9.76 11.31 10.51
Small Blend

VANGUARD EXPLORER VALUE FUND - VEVFX
3/30/2010 5/31/2021 24.97 10.93 71.62 10.95 13.06 11.37 12.45
VANGUARD SMALL-CAP INDEX FUND ADMIRAL SH - VSMAX
11/13/2000 5/31/2021 14.75 5.79 58.22 14.48 15.69 12.50 10.21
VANGUARD STRATEGIC SMALL-CAP EQUITY FUND - VSTCX
4/24/2006 5/31/2021 25.58 10.81 69.74 11.14 13.74 11.99 8.63
Morningstar US Small Cap TR USD 5/31/2021 16.04 5.88 61.09 12.71 14.54 11.61
Small Growth

VANGUARD EXPLORER FUND ADMIRAL SHARES - VEXRX
11/12/2001 5/31/2021 9.86 2.79 52.94 18.73 20.32 14.10 10.99
VANGUARD SMALL-CAP GROWTH INDEX FUND ADM - VSGAX
9/27/2011 5/31/2021 3.59 -1.81 43.33 17.45 18.39 13.10 16.04
Morningstar US Small Growth TR USD 5/31/2021 -1.55 -5.98 41.13 15.63 18.05 13.00
World Large-Stock Blend

VANGUARD GLOBAL EQUITY FUND - VHGEX
8/14/1995 5/31/2021 11.00 7.04 48.15 16.13 16.40 11.29 9.84
VANGUARD TOTAL WORLD STOCK INDEX FUND AD - VTWAX
2/7/2019 5/31/2021 11.25 8.70 43.20 13.94 14.42 9.86 20.07
Morningstar Gbl Mkts Large Cap NR USD 5/31/2021 10.16 8.68 39.90 14.01 14.29 9.63
Foreign Large Value

VANGUARD INTERNATIONAL VALUE FUND - VTRIX
5/16/1983 5/31/2021 12.65 9.46 49.16 9.00 10.99 5.92 8.90
Morningstar Gbl Mkts xUS GR USD 5/31/2021 10.25 7.83 44.01 9.59 11.59 6.43
Foreign Large Blend

VANGUARD DEVELOPED MARKETS INDEX FUND AD - VTMGX
8/17/1999 5/31/2021 11.15 9.71 42.00 8.99 10.64 6.36 5.02
VANGUARD FTSE ALL-WORLD EX-US INDEX FUND - VFWAX
9/27/2011 5/31/2021 10.00 7.63 42.60 9.26 11.12 5.59 8.26
VANGUARD TOTAL INTERNATIONAL STOCK INDEX - VTIAX
11/29/2010 5/31/2021 10.21 7.85 43.05 9.02 11.00 5.61 6.54
Morningstar Gbl Mkts xUS GR USD 5/31/2021 10.25 7.83 44.01 9.59 11.59 6.43
Foreign Large Growth

VANGUARD INTERNATIONAL GROWTH FUND ADMIR - VWILX
8/13/2001 5/31/2021 2.81 0.49 59.94 21.86 22.48 12.01 9.93
Morningstar Gbl Mkts xUS GR USD 5/31/2021 10.25 7.83 44.01 9.59 11.59 6.43
Foreign Small/Mid Blend

VANGUARD FTSE ALL WRLD EX-US SM CAP -ADM - VFSAX
2/7/2019 5/31/2021 12.04 9.11 49.25 7.42 10.36 5.65 16.49
Morningstar Gbl Mkts SMID Cap GR USD 5/31/2021 13.59 8.36 51.42 12.44 13.59 9.78
Foreign Small/Mid Growth

VANGUARD INTERNATIONAL EXPLORER FUND - VINEX
11/4/1996 5/31/2021 9.31 7.78 46.10 5.69 9.97 7.15 9.43
Morningstar Gbl Mkts xUS GR USD 5/31/2021 10.25 7.83 44.01 9.59 11.59 6.43
Europe Stock

VANGUARD EUROPEAN STOCK INDEX FUND ADMIR - VEUSX
8/13/2001 5/31/2021 14.14 13.03 44.26 9.40 10.21 5.99 6.39
Morningstar Gbl Mkts xUS GR USD 5/31/2021 10.25 7.83 44.01 9.59 11.59 6.43
Diversified Emerging Mkts

VANGUARD EMERGING MARKETS STOCK INDEX FU - VEMAX
6/23/2006 5/31/2021 7.35 2.60 46.59 9.38 12.71 3.60 6.64
Morningstar EM GR USD 5/31/2021 8.06 4.09 52.99 10.73 14.36 4.90
Real Estate

VANGUARD REAL ESTATE INDEX - ADMIRAL - VGSLX
11/12/2001 5/31/2021 18.27 14.40 34.14 12.51 7.96 9.08 10.52
Morningstar US Real Estate TR USD 5/31/2021 16.68 14.11 33.22 11.66 8.24 8.76
Health

VANGUARD HEALTH CARE FUND ADMIRAL SHARES - VGHAX
11/12/2001 5/31/2021 5.74 7.70 13.52 14.03 10.94 14.04 10.99
Morningstar US Healthcare TR USD 5/31/2021 7.70 7.38 22.96 17.04 14.37 15.70
Equity Energy

VANGUARD ENERGY FUND ADMIRAL SHARES - VGELX
11/12/2001 5/31/2021 16.78 10.49 18.68 -10.62 -2.26 -2.87 6.38
Morningstar US Energy Capped TR USD 5/31/2021 40.15 10.38 45.84 -7.61 -1.10 -0.91
You did not list the expense ratios as charged in your employer's 403b plan. Also are there any additional fees you are charged by the plan?

In my opinion the better funds to consider using are in your 403b thru Vanguard are:
1) Vanguard Total Stock Market Index Fund (VTSAX) ER 0.04%;
2) Vanguard Total International Stock Index (VTIAX) ER 0.11%;
3) Vanguard Total Bond Market Index Fund (VBTLX) ER 0.05%.

I listed the normal retail fees for the Vanguard funds. It might be different in your employer's plan? Please check.

I think it's best to switch your existing 403b account over to Vanguard.

should I contribute to the 457b or vanguard? i can only contribute 14k to one of them , thanks
For future contributions it's still a question of whether the Vanguard 403b or BlackRock governmental 457b is the better choice on fees. You need to determine whether either plan charges you any fees in addition to the expense ratios. P!ease check.

The BlackRock funds in your governmental 457b plan are:

1) NYSDCB Equity Index Unitized Account https://www.nysdcp.com/iApp/rsc/profile ... ndId=10052, BlackRock S&P 500 Index Fund, ER 0.01%.

2) International Equity Fund - Index Portfolio https://www.nysdcp.com/iApp/rsc/profile ... undId=5117, BlackRock MSCI EAFE Index Fund, developed markets only, ER 0.16%

3) NYSDCB US Debt Index Unitized Account
https://www.nysdcp.com/iApp/rsc/profile ... ndId=10069, BlackRock U.S. Aggregate Bond Index Fund, ER 0.02%.
"Everything should be as simple as it is, but not simpler." - Albert Einstein | Wiki article link:Getting Started
Topic Author
enkuero
Posts: 33
Joined: Sun May 02, 2021 8:47 am

Re: newbie here, 457b plan

Post by enkuero »

457b has lower expenses, with vanguard i have to pay $96/year plus expr ratio and with the 457b $26/year plus expr, tbh they are both very close, unfortunately i dont make enough to max them both out

quote=ruralavalon post_id=6063392 time=1623591379 user_id=5768]
enkuero wrote: Sat Jun 12, 2021 10:24 pm Hi once again, big dilemma, I kindly asked the school district if they can add vanguard or fidelity to the vendor's list and I guess I was lucky that the answer was a big 'YES', now should I contribute to the 457b or vanguard? i can only contribute 14k to one of them , thanks


Money Market-Taxable

VANGUARD CASH RESERVES FEDERAL MONEY - VMRXX
10/3/1989 5/31/2021 0.00 0.00 0.07 1.39 1.26 0.69 2.99
VANGUARD FEDERAL MONEY MARKET FUND - VMFXX
7/13/1981 5/31/2021 0.00 0.00 0.05 1.25 1.07 0.55 3.99
VANGUARD TREASURY MONEY MARKET-INVESTOR - VUSXX
12/14/1992 5/31/2021 0.01 0.00 0.05 1.26 1.07 0.55 2.35
Morningstar US Cash T-bill TR USD 5/31/2021 0.02 0.01 0.09 1.32 1.11 0.58
Short Government

VANGUARD SHORT-TERM FEDERAL FUND ADMIRAL - VSGDX
2/12/2001 5/31/2021 0.21 0.12 1.44 3.47 2.19 1.71 3.11
Morningstar US 1-5Y Tsy&Gv Bd TR USD 5/31/2021 -0.19 0.28 0.17 3.45 2.09 1.68
Short-Term Bond

VANGUARD SHORT-TERM INVESTMENT-GRADE FUN - VFSUX
2/12/2001 5/31/2021 0.26 0.42 3.24 4.21 2.98 2.59 3.61
Morningstar US 1-5Y Core Bd TR USD 5/31/2021 -0.40 0.02 0.47 3.60 2.33 2.06
Intermediate Government

VANGUARD INTERMEDIATE-TERM TREASURY FUND - VFIUX
2/12/2001 5/31/2021 -1.40 0.37 -0.85 5.24 2.79 2.92 4.57
Morningstar US 5-10Y Tsy&Gv Bd TR USD 5/31/2021 -3.05 0.05 -2.88 5.50 2.91 3.47
Intermediate Core Bond

VANGUARD CORE BOND FUND ADMIRAL SHARES - VCOBX
3/28/2016 5/31/2021 -2.21 0.14 1.15 6.10 3.93 3.97
VANGUARD INTERMEDIATE-TERM BOND INDEX FU - VBILX
11/12/2001 5/31/2021 -2.61 -0.14 0.24 6.35 3.78 4.10 5.05
VANGUARD TOTAL BOND MARKET INDEX FUND AD - VBTLX
11/12/2001 5/31/2021 -2.45 -0.17 -0.49 5.12 3.23 3.24 4.16
Morningstar US Core Bd TR Hdg USD 5/31/2021 -2.33 0.10 -0.49 5.03 3.21 3.23
Inflation-Protected Bond

VANGUARD INFLATION-PROTECTED SECS - ADM - VAIPX
6/10/2005 5/31/2021 1.08 2.38 6.90 6.42 4.36 3.34 4.06
Morningstar US TIPS TR USD 5/31/2021 1.07 2.78 6.87 6.25 4.33 3.32
Corporate Bond

VANGUARD INTERMEDIATE-TERM INVESTMENT-GR - VFIDX
2/12/2001 5/31/2021 -1.69 0.33 3.23 6.80 4.42 4.48 5.50
Morningstar US Corp Bd TR Hdg USD 5/31/2021 -2.90 0.51 3.60 6.87 4.89 4.75
World Bond-USD Hedged

VANGUARD TOTAL INTERNATIONAL BOND INDEX - VTABX
5/31/2013 5/31/2021 -2.78 -0.50 -0.22 3.82 3.06 3.62
BBgBarc Global Aggregate TR Hdg USD 5/31/2021 -2.00 0.09 0.09 4.49 3.27 3.80
High Yield Bond

VANGUARD HIGH-YIELD CORPORATE FUND ADMIR - VWEAX
11/12/2001 5/31/2021 1.30 1.24 10.77 6.81 6.43 6.03 6.60
ICE BofA US High Yield TR USD 5/31/2021 2.31 1.56 15.18 6.79 7.24 6.25
Long-Term Bond

VANGUARD LONG-TERM INVESTMENT-GRADE FUND - VWETX
2/12/2001 5/31/2021 -6.88 -0.44 -0.48 9.02 6.26 7.17 7.23
Morningstar US 10+Y Corp Bd TR USD 5/31/2021 -6.34 0.58 3.16 9.14 6.89 7.03
Allocation--15% to 30% Equity

VANGUARD LIFESTRATEGY INCOME FUND - VASIX
9/30/1994 5/31/2021 0.20 1.61 7.45 6.81 5.56 4.80 6.25
Morningstar Con Tgt Risk TR USD 5/31/2021 0.82 2.46 8.80 7.03 5.63 4.50
Target-Date Retirement

VANGUARD INSTL TARGET RET INCOME FUND - VITRX
6/26/2015 5/31/2021 2.54 2.88 12.80 7.84 6.79 6.03
Morningstar Lifetime Mod Incm TR USD 5/31/2021 4.13 4.35 16.46 8.34 7.19 5.62
Allocation--30% to 50% Equity

VANGUARD LIFESTRATEGY CONSERVATIVE GROWT - VSCGX
9/30/1994 5/31/2021 3.00 3.36 15.76 8.88 7.96 6.47 7.11
VANGUARD WELLESLEY INCOME FUND ADMIRAL S - VWIAX
5/14/2001 5/31/2021 4.56 5.22 13.53 9.66 7.85 7.67 7.22
Morningstar Mod Con Tgt Risk TR USD 5/31/2021 3.65 4.16 16.87 9.25 8.17 6.35
Target-Date 2015

VANGUARD INSTL TARGET RET 2015 FUND - VITVX
6/26/2015 5/31/2021 2.93 3.10 14.45 8.20 7.83 6.63
Morningstar Lifetime Mod 2015 TR USD 5/31/2021 3.88 4.83 18.31 9.54 8.50 6.84
Target-Date 2020

VANGUARD INSTL TARGET RET 2020 FUND - VITWX
6/26/2015 5/31/2021 4.57 4.21 20.10 9.65 9.38 7.81
Morningstar Lifetime Mod 2020 TR USD 5/31/2021 4.26 5.21 20.18 10.10 9.20 7.38
Target-Date 2025

VANGUARD INSTL TARGET RET 2025 FUND - VRIVX
6/26/2015 5/31/2021 5.65 5.00 24.11 10.69 10.49 8.61
Morningstar Lifetime Mod 2025 TR USD 5/31/2021 5.05 5.71 22.93 10.68 10.05 8.01
Allocation--50% to 70% Equity

VANGUARD BALANCED INDEX FUND ADMIRAL SHA - VBIAX
11/13/2000 5/31/2021 6.30 5.47 24.61 13.18 11.84 9.99 7.18
VANGUARD LIFESTRATEGY MODERATE GROWTH FU - VSMGX
9/30/1994 5/31/2021 5.78 5.12 24.48 10.80 10.28 8.10 8.01
VANGUARD STAR FUND - VGSTX
3/29/1985 5/31/2021 6.31 4.36 31.00 13.93 12.93 9.90 9.87
VANGUARD WELLINGTON FUND ADMIRAL SHARES - VWENX
5/14/2001 5/31/2021 8.79 8.39 25.75 12.96 11.79 10.18 8.37
Morningstar Mod Tgt Risk TR USD 5/31/2021 6.56 5.93 25.54 10.93 10.34 7.83
Target-Date 2030

VANGUARD INSTL TARGET RET 2030 FUND - VTTWX
6/26/2015 5/31/2021 6.72 5.67 27.61 11.42 11.36 9.19
Morningstar Lifetime Mod 2030 TR USD 5/31/2021 6.43 6.42 27.05 11.31 11.07 8.68
Target-Date 2035

VANGUARD INSTL TARGET RET 2035 FUND - VITFX
6/26/2015 5/31/2021 7.80 6.35 31.04 12.10 12.22 9.76
Morningstar Lifetime Mod 2035 TR USD 5/31/2021 8.24 7.24 32.14 11.90 12.05 9.24
Allocation--70% to 85% Equity

VANGUARD LIFESTRATEGY GROWTH FUND - VASGX
9/30/1994 5/31/2021 8.65 6.92 33.73 12.65 12.55 9.58 8.65
Morningstar Mod Agg Tgt Risk TR USD 5/31/2021 9.45 7.53 34.76 12.44 12.49 9.18
Target-Date 2040

VANGUARD INSTL TARGET RET 2040 FUND - VIRSX
6/26/2015 5/31/2021 8.86 7.00 34.56 12.75 13.06 10.29
Morningstar Lifetime Mod 2040 TR USD 5/31/2021 9.87 7.96 36.77 12.35 12.75 9.57
Target-Date 2045

VANGUARD INSTL TARGET RET 2045 FUND - VITLX
6/26/2015 5/31/2021 9.94 7.70 38.22 13.46 13.67 10.78
Morningstar Lifetime Mod 2045 TR USD 5/31/2021 10.86 8.37 39.72 12.60 13.10 9.66
Target-Date 2050

VANGUARD INSTL TARGET RET 2050 FUND - VTRLX
6/26/2015 5/31/2021 10.08 7.81 38.57 13.56 13.72 10.83
Morningstar Lifetime Mod 2050 TR USD 5/31/2021 11.23 8.49 40.92 12.65 13.19 9.61
Target-Date 2055

VANGUARD INSTL TARGET RET 2055 FUND - VIVLX
6/26/2015 5/31/2021 10.08 7.82 38.57 13.57 13.73 10.84
Morningstar Lifetime Mod 2055 TR USD 5/31/2021 11.29 8.49 41.33 12.60 13.19 9.52
Target-Date 2060

VANGUARD INSTL TARGET RET 2060 FUND - VILVX
6/26/2015 5/31/2021 10.09 7.83 38.61 13.60 13.74 10.84
Morningstar Lifetime Mod 2060 TR USD 5/31/2021 11.28 8.46 41.55 12.53 13.15 9.42
Target-Date 2065+

VANGUARD INSTL TARGET RET 2065 FUND - VSXFX
7/12/2017 5/31/2021 10.08 7.81 38.56 13.52 13.12
Morningstar Lifetime Mod 2060 TR USD 5/31/2021 11.28 8.46 41.55 12.53 13.15 9.42
Large Value

VANGUARD EQUITY INCOME FUND ADMIRAL SHAR - VEIRX
8/13/2001 5/31/2021 17.02 13.72 37.77 13.06 12.87 12.45 8.74
VANGUARD VALUE INDEX FUND ADMIRAL SHARES - VVIAX
11/13/2000 5/31/2021 18.20 13.41 41.58 13.36 13.54 12.16 7.41
VANGUARD WINDSOR FUND ADMIRAL SHARES - VWNEX
11/12/2001 5/31/2021 20.70 13.81 54.24 14.04 14.40 12.28 8.56
VANGUARD WINDSOR FUND INVESTOR SHARES - VWNDX
10/23/1958 5/31/2021 20.63 13.81 54.13 13.93 14.28 12.17 11.48
VANGUARD WINDSOR II FUND ADMIRAL SHARES - VWNAX
5/14/2001 5/31/2021 18.74 11.96 53.53 17.58 15.42 12.73 8.36
Morningstar US Large Value TR USD 5/31/2021 15.68 12.09 35.14 11.79 11.83 10.58
Large Blend

VANGUARD 500 INDEX FUND ADMIRAL SHARES - VFIAX
11/13/2000 5/31/2021 12.62 10.71 40.29 17.97 17.13 14.35 7.75
VANGUARD DIVIDEND GROWTH FUND - VDIGX
5/15/1992 5/31/2021 10.95 13.23 32.38 17.13 15.02 13.36 9.33
VANGUARD FTSE SOCIAL INDEX - ADMIRAL - VFTAX
2/7/2019 5/31/2021 10.77 9.57 41.72 19.60 18.77 15.52 25.15
VANGUARD GROWTH AND INCOME FUND ADMIRAL - VGIAX
5/14/2001 5/31/2021 13.55 11.59 41.80 17.41 16.83 14.50 8.15
VANGUARD PRIMECAP CORE FUND - VPCCX
12/9/2004 5/31/2021 17.60 8.50 50.40 16.30 17.38 14.57 11.83
VANGUARD TOTAL STOCK MARKET INDEX FUND A - VTSAX
11/13/2000 5/31/2021 12.38 9.27 43.97 18.02 17.36 14.20 8.27
Morningstar US Large-Mid TR USD 5/31/2021 11.71 9.73 41.57 18.46 17.44 14.42
Large Growth

VANGUARD CAPITAL OPPORTUNITY FUND ADMIRA - VHCAX
11/12/2001 5/31/2021 13.70 6.21 51.58 17.65 19.72 16.03 12.30
VANGUARD GROWTH INDEX FUND ADMIRAL SHARE - VIGAX
11/13/2000 5/31/2021 6.97 7.12 41.14 23.39 21.46 16.61 8.46
VANGUARD U.S. GROWTH FUND ADMIRAL SHARES - VWUAX
8/13/2001 5/31/2021 2.72 0.98 45.18 26.10 23.78 17.97 9.18
Morningstar US Large Growth TR USD 5/31/2021 5.39 5.85 34.04 22.18 21.92 17.43
Mid-Cap Value

VANGUARD MID-CAP VALUE INDEX FUND ADMIRA - VMVAX
9/27/2011 5/31/2021 21.56 13.37 54.62 12.14 12.59 11.79 14.42
VANGUARD SELECTED VALUE FUND - VASVX
2/15/1996 5/31/2021 24.98 15.22 74.90 13.14 12.97 11.42 9.48
Morningstar US Mid Val TR USD 5/31/2021 25.91 14.09 61.44 10.67 12.19 11.91
Mid-Cap Blend

VANGUARD MID-CAP INDEX FUND ADMIRAL SHAR - VIMAX
11/12/2001 5/31/2021 13.27 8.18 47.12 16.16 15.32 12.65 11.00
VANGUARD STRATEGIC EQUITY FUND - VSEQX
8/14/1995 5/31/2021 21.94 11.12 60.24 12.96 14.68 13.01 11.17
Morningstar US Mid Cap TR USD 5/31/2021 14.46 8.97 50.41 16.93 16.19 13.35
Mid-Cap Growth

VANGUARD EXTENDED MARKET INDEX FUND ADMI - VEXAX
11/13/2000 5/31/2021 11.59 3.12 62.58 17.62 18.00 13.38 9.69
VANGUARD MID-CAP GROWTH FUND - VMGRX
12/31/1997 5/31/2021 3.64 0.17 37.29 17.55 16.91 12.97 11.25
VANGUARD MID-CAP GROWTH INDEX FUND ADMIR - VMGMX
9/27/2011 5/31/2021 5.70 3.21 39.94 19.75 17.80 13.30 15.84
Morningstar US Mid Core TR USD 5/31/2021 15.93 12.20 50.29 15.94 14.61 13.09
Small Value

VANGUARD SMALL-CAP VALUE INDEX FUND ADMI - VSIAX
9/27/2011 5/31/2021 24.29 11.92 70.71 11.33 13.04 11.71 14.55
Morningstar US Small Val TR USD 5/31/2021 31.53 16.26 83.20 9.76 11.31 10.51
Small Blend

VANGUARD EXPLORER VALUE FUND - VEVFX
3/30/2010 5/31/2021 24.97 10.93 71.62 10.95 13.06 11.37 12.45
VANGUARD SMALL-CAP INDEX FUND ADMIRAL SH - VSMAX
11/13/2000 5/31/2021 14.75 5.79 58.22 14.48 15.69 12.50 10.21
VANGUARD STRATEGIC SMALL-CAP EQUITY FUND - VSTCX
4/24/2006 5/31/2021 25.58 10.81 69.74 11.14 13.74 11.99 8.63
Morningstar US Small Cap TR USD 5/31/2021 16.04 5.88 61.09 12.71 14.54 11.61
Small Growth

VANGUARD EXPLORER FUND ADMIRAL SHARES - VEXRX
11/12/2001 5/31/2021 9.86 2.79 52.94 18.73 20.32 14.10 10.99
VANGUARD SMALL-CAP GROWTH INDEX FUND ADM - VSGAX
9/27/2011 5/31/2021 3.59 -1.81 43.33 17.45 18.39 13.10 16.04
Morningstar US Small Growth TR USD 5/31/2021 -1.55 -5.98 41.13 15.63 18.05 13.00
World Large-Stock Blend

VANGUARD GLOBAL EQUITY FUND - VHGEX
8/14/1995 5/31/2021 11.00 7.04 48.15 16.13 16.40 11.29 9.84
VANGUARD TOTAL WORLD STOCK INDEX FUND AD - VTWAX
2/7/2019 5/31/2021 11.25 8.70 43.20 13.94 14.42 9.86 20.07
Morningstar Gbl Mkts Large Cap NR USD 5/31/2021 10.16 8.68 39.90 14.01 14.29 9.63
Foreign Large Value

VANGUARD INTERNATIONAL VALUE FUND - VTRIX
5/16/1983 5/31/2021 12.65 9.46 49.16 9.00 10.99 5.92 8.90
Morningstar Gbl Mkts xUS GR USD 5/31/2021 10.25 7.83 44.01 9.59 11.59 6.43
Foreign Large Blend

VANGUARD DEVELOPED MARKETS INDEX FUND AD - VTMGX
8/17/1999 5/31/2021 11.15 9.71 42.00 8.99 10.64 6.36 5.02
VANGUARD FTSE ALL-WORLD EX-US INDEX FUND - VFWAX
9/27/2011 5/31/2021 10.00 7.63 42.60 9.26 11.12 5.59 8.26
VANGUARD TOTAL INTERNATIONAL STOCK INDEX - VTIAX
11/29/2010 5/31/2021 10.21 7.85 43.05 9.02 11.00 5.61 6.54
Morningstar Gbl Mkts xUS GR USD 5/31/2021 10.25 7.83 44.01 9.59 11.59 6.43
Foreign Large Growth

VANGUARD INTERNATIONAL GROWTH FUND ADMIR - VWILX
8/13/2001 5/31/2021 2.81 0.49 59.94 21.86 22.48 12.01 9.93
Morningstar Gbl Mkts xUS GR USD 5/31/2021 10.25 7.83 44.01 9.59 11.59 6.43
Foreign Small/Mid Blend

VANGUARD FTSE ALL WRLD EX-US SM CAP -ADM - VFSAX
2/7/2019 5/31/2021 12.04 9.11 49.25 7.42 10.36 5.65 16.49
Morningstar Gbl Mkts SMID Cap GR USD 5/31/2021 13.59 8.36 51.42 12.44 13.59 9.78
Foreign Small/Mid Growth

VANGUARD INTERNATIONAL EXPLORER FUND - VINEX
11/4/1996 5/31/2021 9.31 7.78 46.10 5.69 9.97 7.15 9.43
Morningstar Gbl Mkts xUS GR USD 5/31/2021 10.25 7.83 44.01 9.59 11.59 6.43
Europe Stock

VANGUARD EUROPEAN STOCK INDEX FUND ADMIR - VEUSX
8/13/2001 5/31/2021 14.14 13.03 44.26 9.40 10.21 5.99 6.39
Morningstar Gbl Mkts xUS GR USD 5/31/2021 10.25 7.83 44.01 9.59 11.59 6.43
Diversified Emerging Mkts

VANGUARD EMERGING MARKETS STOCK INDEX FU - VEMAX
6/23/2006 5/31/2021 7.35 2.60 46.59 9.38 12.71 3.60 6.64
Morningstar EM GR USD 5/31/2021 8.06 4.09 52.99 10.73 14.36 4.90
Real Estate

VANGUARD REAL ESTATE INDEX - ADMIRAL - VGSLX
11/12/2001 5/31/2021 18.27 14.40 34.14 12.51 7.96 9.08 10.52
Morningstar US Real Estate TR USD 5/31/2021 16.68 14.11 33.22 11.66 8.24 8.76
Health

VANGUARD HEALTH CARE FUND ADMIRAL SHARES - VGHAX
11/12/2001 5/31/2021 5.74 7.70 13.52 14.03 10.94 14.04 10.99
Morningstar US Healthcare TR USD 5/31/2021 7.70 7.38 22.96 17.04 14.37 15.70
Equity Energy

VANGUARD ENERGY FUND ADMIRAL SHARES - VGELX
11/12/2001 5/31/2021 16.78 10.49 18.68 -10.62 -2.26 -2.87 6.38
Morningstar US Energy Capped TR USD 5/31/2021 40.15 10.38 45.84 -7.61 -1.10 -0.91
You did not list the expense ratios as charged in your employer's 403b plan. Also are there any additional fees you are charged by the plan?

In my opinion the better funds to consider using are in your 403b thru Vanguard are:
1) Vanguard Total Stock Market Index Fund (VTSAX) ER 0.04%;
2) Vanguard Total International Stock Index (VTIAX) ER 0.11%;
3) Vanguard Total Bond Market Index Fund (VBTLX) ER 0.05%.

I listed the normal retail fees for the Vanguard funds. It might be different in your employer's plan? Please check.

I think it's best to switch your existing 403b account over to Vanguard.

should I contribute to the 457b or vanguard? i can only contribute 14k to one of them , thanks
For future contributions it's still a question of whether the Vanguard 403b or BlackRock governmental 457b is the better choice on fees. You need to determine whether either plan charges you any fees in addition to the expense ratios. P!ease check.

The BlackRock funds in your governmental 457b plan are:

1) NYSDCB Equity Index Unitized Account https://www.nysdcp.com/iApp/rsc/profile ... ndId=10052, BlackRock S&P 500 Index Fund, ER 0.01%.

2) International Equity Fund - Index Portfolio https://www.nysdcp.com/iApp/rsc/profile ... undId=5117, BlackRock MSCI EAFE Index Fund, developed markets only, ER 0.16%

3) NYSDCB US Debt Index Unitized Account
https://www.nysdcp.com/iApp/rsc/profile ... ndId=10069, BlackRock U.S. Aggregate Bond Index Fund, ER 0.02%.
[/quote]
User avatar
ruralavalon
Posts: 21725
Joined: Sat Feb 02, 2008 10:29 am
Location: Illinois

Re: newbie here, 457b plan

Post by ruralavalon »

enkuero wrote: Sun Jun 13, 2021 9:55 am 457b has lower expenses, with vanguard i have to pay $96/year plus expr ratio and with the 457b $26/year plus expr, tbh they are both very close, unfortunately i dont make enough to max them both out.
That is great news. Neither plan has a high administrative fee in addition to the expense ratios. Both plans offer good, diversified funds, with low expense ratios.

So that's a nice problem to have for your ongoing contributions of $12k annually, two very good plans to choose from :happy .

Do you plan on early retirement? If so at what age?
"Everything should be as simple as it is, but not simpler." - Albert Einstein | Wiki article link:Getting Started
Topic Author
enkuero
Posts: 33
Joined: Sun May 02, 2021 8:47 am

Re: newbie here, 457b plan

Post by enkuero »

Do you plan on early retirement? If so at what age?
[/quote]

i really dont know,
User avatar
ruralavalon
Posts: 21725
Joined: Sat Feb 02, 2008 10:29 am
Location: Illinois

Re: newbie here, 457b plan

Post by ruralavalon »

enkuero wrote: Sun Jun 13, 2021 11:10 am
ruralavalon wrote:Do you plan on early retirement? If so at what age?

i really dont know,
I asked because 457(b) plans have some benefits if retiring early.

If you don't know then it's still a toss up between the Vanguard funds in the 403b plan and the BlackRock funds in the governmental 457b plan, for your ongoing contributions of $12k annually.
"Everything should be as simple as it is, but not simpler." - Albert Einstein | Wiki article link:Getting Started
retiredjg
Posts: 44887
Joined: Thu Jan 10, 2008 12:56 pm

Re: newbie here, 457b plan

Post by retiredjg »

enkuero wrote: Sun Jun 13, 2021 9:55 am 457b has lower expenses, with vanguard i have to pay $96/year plus expr ratio and with the 457b $26/year plus expr, tbh they are both very close, unfortunately i dont make enough to max them both out
Well, if you are going to pay the $96 a year anyway for the money already in the 403b, you don't save anything by using the 457. You do, however, get the benefit of early withdrawal without penalty...which is probably worth it to many people.
Topic Author
enkuero
Posts: 33
Joined: Sun May 02, 2021 8:47 am

Re: newbie here, 457b plan

Post by enkuero »

ruralavalon wrote: Sun Jun 13, 2021 11:18 am
enkuero wrote: Sun Jun 13, 2021 11:10 am
ruralavalon wrote:Do you plan on early retirement? If so at what age?

i really dont know,
I asked because 457(b) plans have some benefits if retiring early.

If you don't know then it's still a toss up between the Vanguard funds in the 403b plan and the BlackRock funds in the governmental 457b plan, for your ongoing contributions of $12k annually.
i wonder if the ticker for the 457b index is BLK.
User avatar
ruralavalon
Posts: 21725
Joined: Sat Feb 02, 2008 10:29 am
Location: Illinois

Re: newbie here, 457b plan

Post by ruralavalon »

enkuero wrote: Mon Jun 14, 2021 9:30 am
ruralavalon wrote: Sun Jun 13, 2021 11:18 am
enkuero wrote: Sun Jun 13, 2021 11:10 am
ruralavalon wrote:Do you plan on early retirement? If so at what age?

i really dont know,
I asked because 457(b) plans have some benefits if retiring early.

If you don't know then it's still a toss up between the Vanguard funds in the 403b plan and the BlackRock funds in the governmental 457b plan, for your ongoing contributions of $12k annually.
i wonder if the ticker for the 457b index is BLK.
No, BLK is the ticker symbol for BlackRock Inc.

These three investments are Collective Investment Trusts, not mutual funds, and do not have ticker symbols.

The trusts are managed by BlackRock Institutional Trust Company, N.A.
"Everything should be as simple as it is, but not simpler." - Albert Einstein | Wiki article link:Getting Started
retire2022
Posts: 2001
Joined: Tue Oct 02, 2018 6:10 pm
Location: NYC

Re: newbie here, 457b plan

Post by retire2022 »

ruralavalon wrote: Mon Jun 14, 2021 9:59 am
enkuero wrote: Mon Jun 14, 2021 9:30 am
ruralavalon wrote: Sun Jun 13, 2021 11:18 am
enkuero wrote: Sun Jun 13, 2021 11:10 am
ruralavalon wrote:Do you plan on early retirement? If so at what age?

i really dont know,
I asked because 457(b) plans have some benefits if retiring early.

If you don't know then it's still a toss up between the Vanguard funds in the 403b plan and the BlackRock funds in the governmental 457b plan, for your ongoing contributions of $12k annually.
i wonder if the ticker for the 457b index is BLK.
No, BLK is the ticker symbol for BlackRock Inc.

These three investments are Collective Investment Trusts, not mutual funds, and do not have ticker symbols.

The trusts are managed by BlackRock Institutional Trust Company, N.A.
This is the link to the CIT's NAVS in NYSDCP website.

If you desire to update it every night onto your own spreadsheet, you can copy and paste these numbers. I find the website updates the NAV appear usually approx 11:45PM EST.

https://www.nysdcp.com/iApp/rsc/netAssetValue.x

Another's alternative which I have done is use VOO's as a proxy with dollar amount of CIT BlackRock SP500 and divided by VOO, Vanguard's SP500 to its closing share price usually approx 7:30PM to get within the ballpark of closing values.

I use Morningstar's Portfolio Watch as software to monitor daily closing prices, using VOO to self update approx value of Blackrock SP500 CIT.

I do the same as described above on Vanguard portfolio invest "outside" of account.
Post Reply