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D.D.

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  1. My employer offers a traditional 403b and a ROTH 403b. We can participate in both plans with the employer match going into the pretax option. The investment company is Mass Mutual and I recently narrowed down that their operating fees are 0.7% which is fairly high from what I’m hearing. At this time, I don’t have plans to seek employment elsewhere so I’m trying to figure out what options are the best and in what order. I’ve considered opening up a ROTH outside of the company with Vanguard or Fidelity to avoid the high operating costs of Mass Mutual. The advisor for Mass Mutual has informed me that my investment is not an annuity. Any advice would be greatly appreciated. Thanks in advance!
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