Newbie With 457 Plan Options ?'s

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2BAMS
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Joined: Wed May 09, 2018 10:24 pm
Location: California

Newbie With 457 Plan Options ?'s

Post by 2BAMS » Fri May 11, 2018 1:43 pm

Good Morning All,

I've been lurking on this forum for many months now and I have read some very helpful information. This is my first post and I want to thank everyone in advance for any help I may receive. I am 33 years old, have a wife, and 2 children. We are more frugal than most but the cost of living in CA is high. I have read all of the "Getting Started" articles, etc. and I have a much better grasp of what I am doing now than I did just six months ago. My first task was to review my 457 plan through my employer, which is a local jurisdiction in the State of California. My current 457 plan is currently in Lincoln Financial. Lincoln, was just the recommended one when I started 8 years ago however, we have 3 available options. Lincoln, Nationwide and ICMA-RC. I have been asking each company questions for about two months now from the advisors from each company and you wouldn't believe how hard it was to acquire the fund fee expenses from the companies. I still have yet to receive the expense information from ICMA-RC. I know they use Vantagepoint Funds and I'm sure I could look up the specific expense ratio's online. However, I also believe in good customer service, so I have all but removed them from consideration. Unless you guys can convince me otherwise? So between Lincoln and Nationwide I have the following options:

Nationwide

I took out all of the return yields and left only the fund name and ER.

Target Date Funds

Nationwide Destination 2015 Fund - Institutional Service Class 0.64%
Nationwide Destination 2020 Fund - Institutional Service Class 0.64%
Nationwide Destination 2025 Fund - Institutional Service Class 0.64%
Nationwide Destination 2030 Fund - Institutional Service Class 0.65%
Nationwide Destination 2035 Fund - Institutional Service Class 0.65%
Nationwide Destination 2040 Fund - Institutional Service Class 0.64%
Nationwide Destination 2045 Fund - Institutional Service Class 0.64%
Nationwide Destination 2050 Fund - Institutional Service Class 0.64%
Nationwide Destination 2055 Fund - Institutional Service Class 0.64%
Nationwide Destination 2060 Fund - Institutional Service Class 0.64%

Asset Allocation Funds

Nationwide Investor Destinations Aggressive Fund: Service Class 0.92%
Nationwide Investor Destinations Conservative Fund: Service Class 0.87%
Nationwide Investor Destinations Moderate Fund: Service Class 0.91%
Nationwide Investor Destinations Moderately Aggressive Fund: Service Class 0.94%
Nationwide Investor Destinations Moderately Conservative Fund: Service Class 0.88%

Specialty

Cohen & Steers Real Estate Securities Fund, Inc. - Class A 1.19%

International Stocks

Invesco International Growth Fund - Class R5 1.00%
JPMorgan International Equity Fund - Class I 1.07%
MFS International Value Fund - Class R3 1.01%
Nationwide International Index Fund 0.71%
New World Fund(SM) - Class R4 0.98%
Oppenheimer Global Fund 1.15%
Templeton Foreign Fund 1.19%

Small Cap Stocks

Nationwide Small Cap Index Fund 0.68%
Nationwide Small Company Growth Fund Institutional Service Class 1.21%
Nationwide US Small Cap Value Fund - Institutional Service Class 1.25%
Nationwide Variable Insurance Trust: Nationwide Multi-Manager NVIT Small Company Fund 1.17%
Neuberger Berman Equity Trust(R) - Genesis Fund 1.09%

Mid Cap Stocks

JPMorgan Mid Cap Value Fund 1.26%
Nationwide Mid Cap Market Index Fund 0.69%
Wells Fargo Discovery Fund - Administrative Class 1.13%

Large Cap Stocks

American Century Value Fund 0.98%
Dreyfus S&P 500 Index Fund 0.51%
Fidelity Contrafund 0.68%
Invesco Growth and Income Fund - Class A 0.82%
Nationwide Fund - Institutional Service Class 0.71%
Nationwide Large Cap Growth Portfolio 0.95%
Nationwide S & P 500 Index Fund 0.42%
Neuberger Berman Equity Funds(R) - Socially Responsive Fund 0.85%
T.Rowe Price Growth Stock Fund 0.93%

Bonds

Lord Abbett High Yield Fund - Class R5 0.68%
Nationwide Bond Index Fund 0.66%
Nationwide Loomis Core Bond Fund - Institutional Service Class 0.73%
PIMCO Foreign Bond Fund (U.S. Dollar-Hedged) - Class A 0.95%

Short-Term Investments

Federated U.S. Government Securities Fund: 2-5 Years 0.87%
Nationwide Government Money Market Fund - Investor Class 0.68%


These are the options for Lincoln:
Fund name and then ER

AB VPS Global Thematic Growth Portfolio (Class B)1.31%
American Funds Global Growth Fund (Class 2) 0.81%
American Funds Growth Fund (Class 2) 0.60%
American Funds Growth-Income Fund (Class 2) 0.54%
American Funds International Fund (Class 2) 0.79%
BlackRock Global Allocation V.I. Fund (Class III) 0.99%
Delaware VIP® Diversified Income Series (Service Class) 0.92%
Delaware VIP® High Yield Series (Service Class) 1.00%
Delaware VIP® REIT Series (Service Class) 1.08%
Delaware VIP® Small Cap Value Series (Service Class)1.04%
Delaware VIP® Smid Cap Core Series (Service Class)1.07%
Delaware VIP® Value Series (Service Class) 0.95%
Deutsche Alternative Asset Allocation VIP Portfolio (Class B)1.61%
Fidelity® VIP Contrafund® Portfolio (Service Class 2) 0.88%
Fidelity® VIP Growth Portfolio (Service Class 2) 0.89%
LVIP Baron Growth Opportunities Fund (Service Class)1.21%
LVIP BlackRock Dividend Value Managed Volatility Fund 0.96%
LVIP BlackRock Inflation Protected Bond Fund (Service Class) 0.76%
LVIP BlackRock Scientific Allocation Fund (Service Class) 0.98%
LVIP Blended Large Cap Growth Managed Volatility Fund(Service Class) 1.00%
LVIP Blended Mid Cap Managed Volatility Fund (Service Class) 1.02%
LVIP Clarion Global Real Estate Fund (Service Class) 1.03%
LVIP Delaware Bond Fund (Service Class) 0.73%
LVIP Delaware Diversified Floating Rate Fund (Service Class) 0.88%
LVIP Delaware Social Awareness Fund (Service Class) 0.82%
LVIP Delaware Special Opportunities Fund (Service Class) 0.82%
LVIP Delaware Wealth Builder Fund (Service Class) 0.96%
LVIP Dimensional U.S. Core Equity 1 Fund (Service Class) 0.78%
LVIP Franklin Templeton Global Equity Managed Volatility Fund (Service Class) 1.01%
LVIP Global Conservative Allocation Managed Risk Fund(Service Class) 0.98%
LVIP Global Growth Allocation Managed Risk Fund (Service Class) 0.97%
LVIP Global Income Fund (Service Class) 0.94%
LVIP Global Moderate Allocation Managed Risk Fund(Service Class) 0.99%
LVIP Government Money Market Fund (Service Class) 0.72%
LVIP JPMorgan Retirement Income Fund (Service Class) 0.97%
LVIP JPMorgan Select Mid Cap Value Managed Volatility Fund (Service Class) 1.06%
LVIP Managed Risk Profile 2010 Fund (Service Class) 0.97%
LVIP Managed Risk Profile 2020 Fund (Service Class) 0.95%
LVIP Managed Risk Profile 2030 Fund (Service Class)0.97%
LVIP Managed Risk Profile 2040 Fund (Service Class)0.98%
LVIP Managed Risk Profile 2050 Fund (Service Class) 0.99%
LVIP Mondrian International Value Fund (Service Class) 1.01%
LVIP SSGA Bond Index Fund (Service Class) 0.60%
LVIP SSGA Emerging Markets 100 Fund (Service Class) 0.72%
LVIP SSGA Global Tactical Allocation Managed Volatility Fund (Service Class) 0.88%
LVIP SSGA International Index Fund (Service Class)0.66%
LVIP SSGA International Managed Volatility Fund (Service Class) 0.88%
LVIP SSGA S&P 500 Index Fund (Service Class) 0.49%
LVIP SSGA Small-Cap Index Fund (Service Class) 0.65%
LVIP T. Rowe Price Structured Mid-Cap Growth Fund (Service Class) 1.03%
LVIP Vanguard Domestic Equity ETF Fund (Service Class) 0.60%
LVIP Vanguard International Equity ETF Fund (Service Class)0.67%
MFS® VIT Utilities Series (Service Class)1.03%
PIMCO VIT Total Return Portfolio (Administrative Class) 0.66%


So after showing all of my available options with both companies, my current Lincoln plan advisor has had my asset allocations as follows:

AMERICAN FUNDS GLOBAL GROWTH 40% It has an ER of 0.81%
DELAWARE VIP DIVERSIFIED INCOME 10% It has an ER of 0.92%
DELAWARE VIP REIT 10% It has an ER of 1.08%
DELAWARE VIP SMALL CAP VALUE 13% It has an ER of 1.04%
DELAWARE VIP SMID CAP CORE 12% It has an ER of 1.07%
LVIP SSGA EMERGING MARKETS 100 5% It has an ER of 0.72%
MFS UTILITIES 10% It has an ER of 1.03%


So I am obviously wanting to create a 3-fund portfolio with index funds.

My current thought process is to include the following indexes and allocations in my "new" portfolio:
S&P 500 Index -50%
International Index - 25%
Bond Index 25%
Maybe even 30% bonds and 20% international ?

So my questions are:
I believe I am currently paying too much for what Lincoln has me investing in and that I should switch to the 3-fund portfolio?

If above is yes, then does the asset allocation above and type of funds seem like my best options available?

Should I add any of the LVIP Vanguard Domestic Equity ETF Fund (Service Class) 0.60% or LVIP Vanguard International Equity ETF Fund (Service Class)0.67% to my 457 portfolio?

Am I better off staying with Lincoln when 3 out of the 4 funds have cheaper ER's than Nationwide?

LVIP SSGA Bond Index Fund (Service Class) 0.60% VS. Nationwide Bond Index Fund 0.66%
LVIP SSGA S&P 500 Index Fund (Service Class) 0.49% VS. Nationwide S & P 500 Index Fund 0.42%
LVIP SSGA Small-Cap Index Fund (Service Class) 0.65% VS. Nationwide Small Cap Index Fund 0.68%
LVIP SSGA International Index Fund (Service Class) 0.66% Nationwide International Index Fund 0.71%

Is there anything I'm missing, maybe my lack of knowledge wit history or fund names and performances has me missing the obvious? That's what i'm hoping some of the "seasoned" people can help me with.

Should I add a small-cap index fund because it's available? Am I way off here? I am super nervous to even post this but after reading everything and analyzing my options available the butterflies in my stomach have still not gone away.

I do match my employers contributions but that is in a separate retirement fund.

Once again I appreciate anyone who's read all of this and I look forward to reading your opinions.

Thank you,

2BAMS
Last edited by 2BAMS on Fri May 11, 2018 5:08 pm, edited 1 time in total.

Silk McCue
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Re: Newbie With 457 Plan Options ?'s

Post by Silk McCue » Fri May 11, 2018 4:31 pm

Hopefully others will come along shortly and provide insight on your overall question. The one thing I wanted to share with you is that my wife has a 457 with ICMA-RC in Florida and last fall of all but one of the VantagePoint overpriced funds were removed as offerings. In their place is the full lineup of Vanguard Target date funds and LifeStrategy Funds as well as a number of equity funds including Vanguard and others. The fees on the VG funds are the same as if you were buying them at VG. ICMA RC now charges .14% annually/charged monthly to cover their administration of the plan. Wow was that ever an unexpected and welcome change.

Now my point. I wouldn't exclude ICMA RC due to poor customer service as you won't need much customer service from them - we don't as their website is easy to use. For this decision I would stay focused on offerings and expenses to drive my decision across all three potential providers.

Cheers

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Duckie
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Re: Newbie With 457 Plan Options ?'s

Post by Duckie » Fri May 11, 2018 7:26 pm

2BAMS, welcome to the forum.
2BAMS wrote:Nationwide
The better options are:
  • Nationwide S&P 500 Index Fund 0.42% -- Large caps, 80% of US stocks
  • Nationwide Mid Cap Market Index Fund 0.69% -- Mid caps, 6% of US stocks
  • Nationwide Small Cap Index Fund 0.68% -- Small caps, 14% of US stocks
  • Nationwide International Index Fund 0.71% -- Developed markets, 75% of international stocks
  • Nationwide Bond Index Fund 0.66% -- US bonds
These are the options for Lincoln:
The better options are:
  • SSGA S&P 500 Index Fund 0.49% -- Large caps
  • SSGA Small-Cap Index Fund 0.65% -- Small caps
  • SSGA International Index Fund 0.66% -- Developed markets
  • SSGA Bond Index Fund 0.60% -- US bonds
There are a couple of cheaper options but the index funds are easier to rebalance because you know exactly what is held.
My current thought process is to include the following indexes and allocations in my "new" portfolio:
S&P 500 Index -50%
International Index - 25%
Bond Index 25%
Maybe even 30% bonds and 20% international ?
Both 50/25/25 and 50/20/30 are reasonable.
I believe I am currently paying too much for what Lincoln has me investing in and that I should switch to the 3-fund portfolio?
Yes.
If above is yes, then does the asset allocation above and type of funds seem like my best options available?
Yes.
Should I add any of the LVIP Vanguard Domestic Equity ETF Fund (Service Class) 0.60% or LVIP Vanguard International Equity ETF Fund (Service Class)0.67% to my 457 portfolio?
No.
Am I better off staying with Lincoln when 3 out of the 4 funds have cheaper ER's than Nationwide?
Yes.
Is there anything I'm missing, maybe my lack of knowledge wit history or fund names and performances has me missing the obvious? That's what i'm hoping some of the "seasoned" people can help me with.
This is only one account in your retirement portfolio. Any IRAs, old employer plans, or taxable accounts should all be considered.
Should I add a small-cap index fund because it's available?
Not should but you could. If your US AA is 50% then using the 85/15 ratio you could make it 42% large caps and 8% small caps.

billfromct
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Re: Newbie With 457 Plan Options ?'s

Post by billfromct » Fri May 11, 2018 9:32 pm

If I was in my 30s, with 30-35 years until retirement, I would be 100% stocks in my retirement accounts. You can start to move into your retirement bond allocation in your mid/late 40s, 15-20 years before retirement.

You can have your fixed income allocation in your taxable account where you can get at it if needed.

Over the long term, stocks will provide a better return, especially since interest rates are likely to move higher over the next few years. Not like the 10 year Treasury bond that was about 14% in 1982 & bottomed @ 1.46% in the Summer of 2016. The 10 year Treasury bond is now about 2.97%.

You just need to "stay the course" when the next correction or bear market starts. Others will say by having money in bonds will allow you to rebalance from bonds to stocks during the next bear market. That's true, but the general trend is for stock market to go up as the economy grows.

Since 1940, the S&P 500 or it's equivalent before 1957, had a positive return in 75% of those 76 years. Of course past performance is no guarantee of future returns.

bill

krow36
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Location: WA

Re: Newbie With 457 Plan Options ?'s

Post by krow36 » Sat May 12, 2018 1:39 am

2BAMS wrote:
Fri May 11, 2018 1:43 pm
Lincoln, Nationwide and ICMA-RC. I have been asking each company questions for about two months now from the advisors from each company and you wouldn't believe how hard it was to acquire the fund fee expenses from the companies. I still have yet to receive the expense information from ICMA-RC. I know they use Vantagepoint Funds and I'm sure I could look up the specific expense ratio's online. However, I also believe in good customer service, so I have all but removed them from consideration. Unless you guys can convince me otherwise?
In addition to the expense ratios, are there other fees? Is the Lincoln 457 an annuity-based plan? I think you are making a mistake in not getting the details on the ICMA-RC 457. The funds offered and the fees charged could be unique to your employer's 457 plan.

bob60014
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Re: Newbie With 457 Plan Options ?'s

Post by bob60014 » Sat May 12, 2018 8:31 am

The dedicated advisor from ICMA for your agency should be able to provide the list of investments and fees for each.
Fyi I looked up current expenses from my ICMA plan:
VP S&P 500- 0.19%.
VP BROAD MKT IDX - 0.19% (similar to Russell 3000)
VP OVERSEAS INDEX FUND -0.29%
VP CORE BOND INDEX - 0.19%

As always, YMMV!

2BAMS
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Joined: Wed May 09, 2018 10:24 pm
Location: California

Re: Newbie With 457 Plan Options ?'s

Post by 2BAMS » Sat May 12, 2018 9:44 am

Thank you everyone for your replies. I will continue to try and get a hold of the ICMA-RC advisor and hopefully their indexes are cheaper. In the mean time I will re-balance my Lincoln account with my current options.

I really appreciate all the help.

azFF
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Joined: Mon Feb 06, 2017 8:32 am

Re: Newbie With 457 Plan Options ?'s

Post by azFF » Sat May 12, 2018 9:59 am

@2bams, I had this exact same fund lineup in our 457 plan through Nationwide. We finally did our research and found that the funds are garbage and more importantly, the fees are ridiculous 0.5% annual plan fee! Our Chief allowed our committee to bid out our 457 plan and we found a much better 457 plan with Fidelity (Tried Vanguard, but didn't meet their asset requirement) with an annual fee of $24 and over 200 fund options including all the index options you could ask for! If the fees are anywhere close to where our plan was, I would heavily encourage you to speak with your union/leadership (if I'm assuming correctly) about changing to another 457 plan.

Cop51
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Re: Newbie With 457 Plan Options ?'s

Post by Cop51 » Sat May 12, 2018 11:11 am

I have ICMA-RC and the fees are extremely high. .90-1.1% ER for index funds. Each plan is created different. I cringe every time I see the ER, but the tax advantage is sill worth using the account.

2BAMS
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Joined: Wed May 09, 2018 10:24 pm
Location: California

Re: Newbie With 457 Plan Options ?'s

Post by 2BAMS » Tue May 15, 2018 1:22 pm

ICMA-RC just got back to me and the fund fees are as follows:

VT PLUS Fund1.37%
VT Cash Management 0.98%
VT Vantagepoint Cor Bnd Idx 0.94%
VT Western Asset Core Plus Bnd1.00%
VT Vantagepoint Infltn Focused 1.16%
VT PIMCO High Yield 1.35%

Guaranteed Lifetime Income

VT Retirement IncomeAdvantage 2.25%


VT Vantagepoint MS Ret Inc1.30%
VT Vantagepoint Milestone 2010 1.32%
VT Vantagepoint Milestone 2015 1.32%

VT Vantagepoint Milestone 2020 1.33%
VT Vantagepoint Milestone 2025 1.34%
VT Vantagepoint Milestone 2030 1.37%
VT Vantagepoint Milestone 2035C, 1.39%
VT Vantagepoint Milestone 2040C, 1.40%
VT Vantagepoint Milestone 2045C, 1.41%
VT Vantagepoint Milestone 2050C, 1.42%
VT Vantagepoint Milestone 2055C, 1.50%
VT Vantagepoint MP Cons GrowthC, 1.32%
VT Vantagepoint MP Trad GrowthC, 1.34%
VT Vantagepoint MP Lng-Trm GrC,1.35%
VT Vantagepoint MP Glbl Eq GrC,1.44%
VT Puritan® FundC, D, II, L 77241.10%


VT Vantagepoint Equity Income 1.26%
VT Invesco Diversified DivC, 1.13%
VT MFS® ValueC, 1.14%
VT Vantagepoint 500 Stk Idx 0.94%
VT Vantagepoint Brd Mkt Idx 0.94%
VT Vantagepoint Grwth & Income 1.24%
VT Parnassus Core Equity 1.42%
VT Oppenheimer Main Street 1.24%
VT Vantagepoint Growth 1.31%
VT Contrafund®C, D, II, L, M 1.29%
VT T Rowe Price® Growth StockC1.47%
VT Vantagepoint Select ValueC, 1.51%
VT Victory Sycamore Est ValueC 1.15%

VT Vantagepoint Aggressive Ops 1.30%
VT AMG TimesSquare Mid Cap Gr 1.73%
VT Carillon Eagle Mid Cap Gr1.34%
VT LSV Small Cap ValueC, 1.63%
VT Vantagepoint Md/Sm Co Idx 0.94%
VT Vantagepoint Discovery1.26%
VT Oppenheimer Discovery1.42%

International/Global Stock

VT Vantagepoint International 1.50%
VT Vantagepnt Ovrseas Eq Idx 1.04%
VT Harbor International 1.52%
VT Diversified Internationa 1.49%
VT Vantagepoint Emerging Mrkts1.68%

Specialty

VT Nuveen Real Estate Secs1.59%


So I believe that since i'm already in Lincoln's Plan and that the Lincoln and Nationwide Plan are so similar that Lincoln is my best bet.

Any last thoughts after seeing ICMA-RC's?

2BAMS
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Joined: Wed May 09, 2018 10:24 pm
Location: California

Re: Newbie With 457 Plan Options ?'s

Post by 2BAMS » Tue May 15, 2018 1:23 pm

Cop51 wrote:
Sat May 12, 2018 11:11 am
I have ICMA-RC and the fees are extremely high. .90-1.1% ER for index funds. Each plan is created different. I cringe every time I see the ER, but the tax advantage is sill worth using the account.
I think you and I have the same fee's. Luckily I have 2 more options.

2BAMS
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Joined: Wed May 09, 2018 10:24 pm
Location: California

Re: Newbie With 457 Plan Options ?'s

Post by 2BAMS » Tue May 15, 2018 1:26 pm

krow36 wrote:
Sat May 12, 2018 1:39 am
2BAMS wrote:
Fri May 11, 2018 1:43 pm
Lincoln, Nationwide and ICMA-RC. I have been asking each company questions for about two months now from the advisors from each company and you wouldn't believe how hard it was to acquire the fund fee expenses from the companies. I still have yet to receive the expense information from ICMA-RC. I know they use Vantagepoint Funds and I'm sure I could look up the specific expense ratio's online. However, I also believe in good customer service, so I have all but removed them from consideration. Unless you guys can convince me otherwise?
In addition to the expense ratios, are there other fees? Is the Lincoln 457 an annuity-based plan? I think you are making a mistake in not getting the details on the ICMA-RC 457. The funds offered and the fees charged could be unique to your employer's 457 plan.
There are other fees. Most have a 55 basis points fee, or 55 cents on every hundred dollars for account management, etc.

I'm not sure what you mean by annuity-based? I believe it is just a typical employee sponsored 457 plan.

I did just receive the ICMA-RC fee's and they are double the other two companies.

krow36
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Re: Newbie With 457 Plan Options ?'s

Post by krow36 » Tue May 15, 2018 4:06 pm

2BAMS wrote:
Tue May 15, 2018 1:26 pm
I'm not sure what you mean by annuity-based? I believe it is just a typical employee sponsored 457 plan.
Because the “LVIP” means Lincoln Variable Insurance Product, I suspected that the Lincoln 457 is an annuity-based 457, not a mutual fund-based 457. It certainly looks better than the ICMA-RC 457. I’m not sure about the Nationwide 457 but it's likely annuity-based as well.
This is from the Summary Prospectus for the LVIP Vanguard Domestic Equity ETF:
Purchase and Sale of Fund Shares
Fund shares are available as underlying investment options for variable life insurance and variable annuity products issued by The Lincoln National Life Insurance Company (“Lincoln Life”), Lincoln Life & Annuity Company of New York (“LNY”), and unaffiliated insurance companies. These insurance companies are the record owners of the separate accounts holding the Fund’s shares. You do not buy, sell or exchange Fund shares directly – you choose investment options through your variable annuity contract or variable life insurance policy. The insurance companies then cause the separate accounts to purchase and redeem Fund shares according to the investment options you choose. Fund shares also may be available for investment by certain funds of the Lincoln Variable Insurance Products Trust.
LVIP Vanguard Domestic Equity ETF Fund
https://www.sec.gov/Archives/edgar/data ... 6d497k.htm

nwffdiver
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Re: Newbie With 457 Plan Options ?'s

Post by nwffdiver » Tue May 15, 2018 6:52 pm

Looks like your Nationwide options are very similar to my 401a NW fees. I use the NW 500 index, NW int. bond index, then fill my International in my Roth. All of there options are pretty high. Good luck :sharebeer

anonenigma
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Re: Newbie With 457 Plan Options ?'s

Post by anonenigma » Tue May 15, 2018 7:02 pm

Awful plan.

bob60014
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Re: Newbie With 457 Plan Options ?'s

Post by bob60014 » Tue May 15, 2018 7:44 pm

After seeing those fees from your ICMA plan I'm curious why there is a difference between my agency and yours. I would think they would be the same for all, guess not. The fees I'm paying, as indicated earlier, are substantially lower.

2BAMS
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Joined: Wed May 09, 2018 10:24 pm
Location: California

Re: Newbie With 457 Plan Options ?'s

Post by 2BAMS » Wed May 16, 2018 11:50 pm

Thanks again for the reply's. :beer

Yes, the ICMA was extremely high for some reason. They said it's based on plan size.

So i'm sticking with the Lincoln and using the following 3 funds with the following allocations since I have 25+ years of working left.
LVIP SSGA BOND INDEX 20%
LVIP SSGA INTERNATIONAL INDEX 20%
LVIP SSGA S&P 500 INDEX 60%

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