Re: Information Overload
Thank you. I know 403bwise and it IS very informative. I will have to ask if there is a different consideration for money mkt. contributions. *I think, from my last conversation with the rep, that the provider won't let me transfer anything without paying at the door. Yes, that 5% goes away after 10 years!! I plan on being permanently out the door much sooner than that. I feel like a dope for having 30k in the money mkt, but I keep stalling on dollar cost averaging into 4-5 funds, thinking I'll find a lower cost solution. I probably just need to accept the current reality of this, limited, option. I could take all of my contributions out once a year and d.c.a. into a different account, but 1) it would have to give me a solid return to compensate for the 5% charge and 2) it would erase, I believe, the tax benefit (lower taxable income due to 403(b) contributions).
Thanks again for your interest and your help!