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Tom F

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  1. I teach in Indiana and had a question about contribution limits. I understand that both plan types have limits. What I am not sure about is if those limits are considered separate or if they are combined. In other words is my total contribution limit $19,000, or could I contribute $19,000 + $19,000 = $38,000? Also a related question. If I am putting $6,000 in ROTH IRA with Vanguard do I need to subtract that from my 403B/457 limits? $19,000 - $6,000 = $13,000?
  2. yes, I caught that mistake as well. I have Lincoln Financial. My understanding is that I am not investing in any annuities. I have a variety of funds, 5 of them are index from Vanguard and DFA. Lincoln hits us with an annual custodial fee of about .35% otherwise all the funds I am looking at are very low in fees.
  3. Afraid we are not on the 457 list. We are both public schools. School along with union picks a single provider. I am with Lincoln and she is with Nationwide. As you can see with the list. She does have a single Vanguard option, but they hit it with a big add on fee to knock down the savings.
  4. I am in Indiana. The two schools that my wife and work for both have a single provider.
  5. Through my wife's school we have Nationwide through a third party. We currently max out our ROTHS and go beyond the match on our 403B. My employer has a slightly better plan. We are considering putting extra money into mine instead of her plan. I thought I would see what everyone thought about the Nationwide offerings first. Fund Name Net Expense Ratio AMC/Net Asset Fee Total Fee PIMCO AllAsst AllAthrity A 2.74% 0.35% 3.09% GdmnScs SmCap Val A 1.34% 0.35% 1.69% TRowePR Mdcap Gr R 1.27% 0.35% 1.62% Okmrk Intl II 1.22% 0.35% 1.57% Loomis Bd Admn 1.16% 0.35% 1.51% Okmrk Fd II 1.14% 0.35% 1.49% Cariln Eagle SmCap Gr A 1.08% 0.35% 1.43% Harbor Cap App Inv 1.03% 0.35% 1.38% FidAdv Free 2040 A 1.00% 0.35% 1.35% FidAdv Free 2045 A 1.00% 0.35% 1.35% FidAdv Free 2050 A 1.00% 0.35% 1.35% FidAdv Free 2055 A 1.00% 0.35% 1.35% FidAdv Free 2035 A 0.99% 0.35% 1.34% FidAdv Free 2030 A 0.95% 0.35% 1.30% FidAdv Free 2025 A 0.91% 0.35% 1.26% AmFds EuroPacfc Gr R6 0.49% 0.75% 1.24% FidAdv Free 2020 A 0.86% 0.35% 1.21% MetWest Ttl Rtn Bd I 0.45% 0.75% 1.20% FidAdv Free 2015 A 0.82% 0.35% 1.17% FidAdv Free Inc A 0.72% 0.35% 1.07% BlkRk Low Dur Bd Inv A 0.66% 0.35% 1.01% Vngrd MdCap Val Indx Adml 0.07% 0.75% 0.82% NW Gov Mny Mkt R6 0.44% 0.35% 0.79%
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