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  1. Welcome! Equitable/AXA, Valic and Voya most likely are going to be more expensive than TIAA. For example, Equitable/AXA charges 1.2% before you even chose investments https://www.403bcompare.com/products/153#/fees. It looks to me like the Equity 500 index fund via Equitable/AXA charges .58% https://www.403bcompare.com/products/153#/investmentoptions so your total costs would be at least 1.7%. Plus there are surrender charges lasting 6years https://www.403bcompare.com/products/153#/fees Yikes! TIAA charges a management fee between 0.01 to 1% (if choosing the CREF Equity Index I have to believe the charge would be closer to 0.01%. Is there a way to find out?) : https://www.403bcompare.com/products/154#/fees CREF Equity Index charges 0.26% https://www.403bcompare.com/products/154#/investmentoptions Do you work at a school district? Do you have a 457(b) available? Here is info on the 457(b) https://403bwise.org/education/other including a 403(b)/457(b) side by side comparison chart: https://403bwise.org/pdf/403bwise_457b_Comparison.pdf The 457(b) is often a better choice (lower cost investments). Here are two podcasts we have done on the 457(b) https://teachandretirerich.libsyn.com/the-457b-plan-63 https://teachandretirerich.libsyn.com/457b-403b-94 Dan p.s. We also have a very active Facebook Group called the 403bwise Facebook Group https://www.facebook.com/groups/349968819000560/
  2. Admin

    Test

    Hi All, We just upgraded board to newest version. This is a test.
  3. Get Wise to Investing and Asset Allocation Hope to "see" you there! - Dan
  4. Hi all, Hope you and your colleagues can join us this week and next for the following - Dan Get Wise to the 403(b): Interactive introduction to the 403(b) [Zoom + Nearpod] Wednesday, April 29, 4-5pm PT https://403bwise.org/events/details/event-get-wise-to-the-403b042920 Get Wise to Investing and Asset Allocation: Interactive introduction to investing and asset allocation [Zoom + Nearpod] Thursday, April 30, 4-5pm PT https://403bwise.org/events/details/event-get-wise-to-investing-and-asset-allocation043020 Get Wise to Working with a Fiduciary Advisor: Interactive panel discussion with fiduciary advisors [Zoom + Nearpod] Thursday, May 6, 4-5pm PT https://403bwise.org/events/details/event-get-wise-to-working-with-a-fiduciary-advisor Office Hours with Dan & Scott: Bring your 403(b) and investing questions [Zoom + Nearpod] Thursday, May 7, 4-5pm PT https://403bwise.org/events/details/event-office-hours-with-dan-and-scott05.07.20
  5. Hi all, Sorry for late notice but Scott and I are doing a Video Conference on Investing and Market Turbulence today at 10am PAC/1pm EST. We will be doing more of these. Check our Events page: https://403bwise.org/events for details. Session Description Investing & Market Turbulence (Session 2) Tuesday, March 24 at 10am Join us for an interactive presentation and discussion on the recent market turbulence and what it means for saving for retirement. Zoom + Nearpod Using Zoom The event will be conducted via Zoom. If you have used this platform before simply click on the “Join Zoom Meeting” link. If you haven’t used Zoom before, click on the link now to download the software. This only takes a few moments. Here’s an excellent short tutorial on joining a Zoom Meeting for the first time https://support.zoom.us/hc/en-us/articles/201362193-Joining-a-Meeting JoinZoom Meeting https://zoom.us/j/208040088?pwd=WDVJRWFTTUczVDNsTXlvK0k1ZmRIUT09 Using Nearpod You don't have to have any experience with Nearpod to participate. Nearpod is a web-based teaching application integrated into the presentation that allows participants to engage in polls, questions, view , and share their opinions. Ideally you have two screens (one for Zoom and one for Nearpod). We will explain at outset. Please know you don't need two screen if using a laptop or desktop where you can open a second window.
  6. The formula for educating teachers... https://403bwise.org/blog/entry/blog-model-403b-education-plan
  7. 403b Explainer Video by 403bwise.org Can be used to educate about the 403(b) and advocate for better investment choices. - Dan
  8. Welcome Lorirae, Thanks for joining the board. The good news is that you have Aspire which will give you access to Vanguard for a small fee and you have Fidelity Investments which offers direct access to very low costs. You are most likely paying about 1% in fees. Via Fidelity you can get their Freedom Fund 2050 fund (index fund version) for 0.12% https://fundresearch.fidelity.com/mutual-funds/summary/315793869 Do you feel like you are getting good service for 0.78%. Here's a chart showing impact of fees on returns: https://403bwise.org/education#fee-impact Keep the questions coming. We also have the 403bwise.org Facebook page https://www.facebook.com/groups/349968819000560/?ref=web_social_plugin Dan
  9. Rick - When you register in the Facebook Group mention that you are a spouse helping your wife. Also answer the 3 questions for her as well. Email me at dan@403bwise.org if you have any questions. - Dan
  10. Welcome, Costantino, Yes, this looks very overwhelming. It looks like you have Target Date Mutual Funds available (under Asset Allocation). This can be a pretty simple, straightforward way to invest. Here's an investing primer which includes mention of target date funds: https://403bwise.org/education/investment
  11. Admin

    So Many choices

    Welcome KingCabrera, Great feedback everyone. Thanks! - Dan
  12. Such great interaction here. Thanks everyone for assisting. And Paige, thanks for being such a great advocate for yourself. - Dan
  13. Office hours with Dan & Scott: Ask us your 403(b) questions via Zoom on 10/2 from 4-5PM Pacific. Limited to first 10 who sign up. https://403bwise.org/events/details/event-office-hours
  14. It is as conflicted as you would expect: 403(b) Plan "Enhancement" Guide
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