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Which bond fund
Old 06-09-2010, 01:30 PM   #1
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Which bond fund

I have been procrastinating, but am now seriously thinking of rolling my 403B over to my 457 for convenience of one statement. The mutual funds I have in my current 403B account are available through my 457, so it would simplify things into one statement.
Currently through the 403B fund I am in the Fidelity U.S. Bond Index. (expense ration 0.38%) If I roll to the 457, I could choose between these two: PIMCO Total Return and/or Vanguard Total Bond Market Index. Thoughts as to which one I should get into?
Vanguard expense ratio: 0.07
PIMCO Total Return 0.77
Does the expense ratio say it all? Just go with Vanguard? Thanks.
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Old 06-09-2010, 01:46 PM   #2
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Just a question about your rollover. The 403b and 457 have different rules regarding withdrawals so will you be able to do the rollover. Even if it's possible I think it's best not to co-mingle these accounts.
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Old 06-09-2010, 02:15 PM   #3
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Quote:
Originally Posted by nun View Post
Just a question about your rollover. The 403b and 457 have different rules regarding withdrawals so will you be able to do the rollover. Even if it's possible I think it's best not to co-mingle these accounts.
The 403B would and can be rolled over into Oh Def Comp, I have already contacted them to confirm this. The 403B account would remain a 403B. I would receive one statement showing both the 457 and 403B accounts from Oh Def Comp.
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Old 06-09-2010, 04:00 PM   #4
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I'm with Fido, but wanted the Vanguard Bond fund. I ended up just buying the Vanguard ETF BND.
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Old 06-09-2010, 04:34 PM   #5
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While I prefer to slice and dice my bonds into short/int gov't and TIPS where that isn't possible I use Vanguards Total Bond Fund - even where I have access to PIMCO's Total Return. I prefer to take my risk in equities and stick to conservative bonds. It served me well 2008-present doing what it was supposed to do.

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Old 06-09-2010, 04:46 PM   #6
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You will never get a consensus on your question. See, for example,
Bogleheads :: View topic - Among 3 choices, which bond fund please for 401(k)?
and the more recent:
Bogleheads :: View topic - Opinions Re: My 2 401K Bond Fund Choices
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Old 06-09-2010, 08:25 PM   #7
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Thanks for the links. You are right, will never get a consensus but I have appreciated and learned from the opinions of all who have responded here as well as reading those from the links you provided. Thanks to all.
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