I have a state retirement and a savings in a 457 with the same state. My 457 has around 100k in it,which I have in a stable fixed income fund that makes about 3.5 to 4.0% a yr. but has .56% fees pre yr. should I move some or all to a TIP fund with them , the fees are .55% pre yr. the TIP fund has been making about 4.5 to 5.0%. How safe are these funds. This is my short term money for the next 10 years.