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TonyZ

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  1. TonyZ

    Aspire or NEA Direct Invest

    You did thank you I misread it.
  2. TonyZ

    Aspire or NEA Direct Invest

    Here is the funds provided by Direct Invest and fees. Any thoughts on what funds I should invest in. thank you
  3. TonyZ

    Aspire or NEA Direct Invest

    Tony thank you and thank you everyone.
  4. TonyZ

    Aspire or NEA Direct Invest

    I have had this account with AXA for 12 years. I understand the surrender fee I believe many have said its worth it and I agree. Tomorrow I’m going to download all paperwork from SB on DI and read it over and if I have any questions I will reach out. Thank you
  5. TonyZ

    Aspire or NEA Direct Invest

    Good afternoon any insight to the following information I received today would be greatly appreciated. I stopped all payments effective this month. According to Axa Rep: My fees for this year were 2.28% growth is 36% paid in 66k Currently have 88k After further investing approved 403b investors are (no Aspire even though one of my colleagues was put into it by Rep.) AXA Equitable Great American Lincoln Investment Metropolitan Life SecurityBenefits Life
  6. TonyZ

    Aspire or NEA Direct Invest

    Thank you again very informative. Great idea, I will find out what 403b plans are offered, right now no one knows if there are more providers than Axa Lincoln financial and Aspire. I’m 37yrs old and I can retire at 55 and will have 30 years service credit. I have no investment experience but I’m willing to learn and research if it can help me save more money. Is a one fund TR worth the extra cost of 2-3% total profits in comparison to a three fund portfolio?
  7. TonyZ

    Aspire or NEA Direct Invest

    Hey Everyone, Doing my research about Aspire to see what investment options they provide and I can’t find any forms with Fees or expense ratios just the investments? Do I have to contact them to get an investment and fee packet? Thank you
  8. TonyZ

    Aspire or NEA Direct Invest

    Guys, Thank you, I had to do more reading and researching but I’m starting to get it now and understand what you are saying about it being easier to roll it over into an IRA if there aren’t other options. I spoke with a co-worker who moved from Axa to Aspire using our districts TPA so I know my district has it available but they never told anyone. I looked it up online on Aspires website and my school district is there. I have a few more questions and thank you in advance. I’m reading the application as we speak. How do I get my money over? Would it be a transfer or roll over? How often do you rebalance? Is this to protect your risk or reward? I was thinking annually? Just want to make sure from what you are saying I shoud I fill out application on my own without the TPA or should I have him fill it out and say self direct and is he obligated to do it?
  9. TonyZ

    NEA Direct Invest 403b - NJ teacher

    I apologize I missed the post. Thanx
  10. Hello All, My question for the NEA Direct Invest for my 403b is “can I do this on my own or does this program need to be provided/allowed by my district?” Also, any insight to how it is and how difficult it may be to set up and maintain? Thank you, TonyZ
  11. TonyZ

    Aspire or NEA Direct Invest

    Thank you. Are these three good choices from Direct Invest from Vanguard? I have no problem with slow, steady, and safe investments.
  12. TonyZ

    Aspire or NEA Direct Invest

    Thank you. I wanted a low risk tolerance, does that change anything? I though I should still have made more.
  13. TonyZ

    Aspire or NEA Direct Invest

    Thank you very informative. TPA has also said if I move my money it’s not “protected” not sure what he means and he won’t expand so I feel it’s a bs scare tactic. Any thoughts? Also, my numbers: I have paid in 70 k and have 90k in the past ten years, any thoughts on that growth?
  14. TonyZ

    Aspire or NEA Direct Invest

    Why not transfer all my money into aspire or into NEA direct access? I have 90k in axa.
  15. NJ teacher. I currently have axa, the cats out of the bag about high fees. My school district only has two options axa or Lincoln(the bad one). Our TPA won’t answer my questions about following the money and explaining how much I’m paying in expense ratios. I emailed two months ago to him and have asked to open up more options/companies but haven’t heard anything back. I have heard that the TPA said that he can offer Aspire through axa but I’m not sure what this means or if Aspire is good. I want to move/change companies but I’m stuck between too high fee providers and I don’t know anything about Aspire. Also, any information about NEA Direct Invest would be great appreciated. Thank you,
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