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Old 01-27-2011, 05:20 PM   #21
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Originally Posted by U1964 View Post
I second this recommendation. Opened an account there for my wife's 403 (b).

There is some related info on the 403bwise forums (

You get access to a limited number of Vanguard funds. Last I checked it was:
Vanguard Institutional Index
Vanguard Mid-Cap Index
Vanguard Small-Cap Index
Vanguard Total Stock Market Index
Vanguard Inflation-Protected Securities
Vanguard Short-Term Bond Index

The plan tags on a 0.33% fee to the fund expenses. Example: Vanguard Total Stock Market Index 0.06% + 0.33% -> 0.39%
I will definitely check into teh STRS plan. I only read good things about Vanguard. I will also look into controlling the plan myself and save the advisor fee. I like numbers anyways! lol

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Old 01-27-2011, 06:30 PM   #22
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Originally Posted by bcinvest View Post
"Is it a technical/tax issue with the difference between 403b/457 and 401ks and IRAs?"
One significant difference between a 457 and an IRA relates to minimum age for penalty-free withdrawals. A 457 can be withdrawn penalty- (but not-tax-) free anytime after separation from service. Roll it over to an IRA, however, and that flexibility is lost.

I have no information on 403b's. They may be different.

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Old 01-27-2011, 07:40 PM   #23
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"I seem to recall some participants can roll out of the mandated plan into an IRA, but I'm not sure if all plans permit this or what the limitations might be. Perhaps there is a vesting period involved."

A 403(b) can be rolled over into a 401(k), IRA, 403(b), 457, Roth IRA and several other plans. Definitely on termination and possibly for other events. (I much more familiar with qualified plans.) Employee deferrals are always non forfeitable, any employer match may be subject to a vesting schedule.

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