Jump to content
Sign in to follow this  
MovingOn

Choosing a 403b Provider

Recommended Posts

First, I would like to say that I began exploring investing through Calstrs over spring break and found it such a confusing mess that I gave up....until I found your site last night!  I stayed up until 2 a.m. reading all of the posts back several years.  This finally helped put all of the puzzle pieces together for me and gave me some clarity.  So, I really appreciate this!  

 

Now that I have a better understanding of what I'm diving into, I would like to ask some advice.  My school district in CA offers 403b choices of Vanguard Fiduciary and Calpension 2, which also has Vanguard options.  I first thought I would prefer to open directly with Vanguard, but it looks like I'm limited to Target date funds.  With Cal2, I can choose any Vanguard investments, correct?  Although, maybe I would be better with a Target fund (2040).  Any suggestions?  

 

Also, if you were in a 35% tax bracket, would you choose a Roth or regular 403B?  I want a Roth because I have already accounted for the taxes I'll owe in my current budget, but not sure if that is an unwise move.  Thanks!

 

 

Share this post


Link to post
Share on other sites

Join the conversation

You can post now and register later. If you have an account, sign in now to post with your account.

Guest
Reply to this topic...

×   Pasted as rich text.   Paste as plain text instead

  Only 75 emoji are allowed.

×   Your link has been automatically embedded.   Display as a link instead

×   Your previous content has been restored.   Clear editor

×   You cannot paste images directly. Upload or insert images from URL.

Loading...
Sign in to follow this  

×
×
  • Create New...