HELP!
I'm 53 & still working. Would love to RE but realistically will be working another 7-9 years due to poor saving in my 20s/30s and lower expectations on returns over the next decade. So I'm doing everything within my control to improve post-retirement situation (budgeting, increasing savings). But would appreciate advice on how to diversify savings & allocate future deposits within the limited choices of my 403b.
(edited to add: I have a small Roth account with T Rowe Price. But this 403b & SS will provide the majority of my retirement income. Working on budgets & estimates. Thinking that SS might meet 50% and 3% WR from savings would provide other 50%.)
What would you do if these were your options with expense ratios (gross%/net%)........
TFLICGuarPool - Interest rate 3.5% for deposits 1/1/2010-12/31/2010
TAP Instl Mny Mkt (0.62/0.50)
PIMCO Totl Rtrn (0.89/0.71)
Black Rck Eqty Div (1.11/1.11)
Vanguard 500 Index (0.18/0.18)
Amer Fds Grwth Fd (0.70/0.70)
TAP Instl Mid Value (1.05/0.90)
Vanguard MdCap Idx (0.27/0.27)
Frst Amer MdCap Gr (1.23/1.23)
Vanguard SmCap Idx (0.28/0.28)
Virtus Qual SmCp (1.84/1.45)
Baron SmCap (1.34/1.34)
Amer Fds Europac (0.86/0.86)
Amer Fds Income (0.70/0.70)
Black Rck LP 2020 (1.19/0.85)
Black Rck LP 2030 (1.20/0.85)
Black Rck LP 2040 (1.20/0.85)
Black Rck LP Retire (1.20/0.85)
Thanks!
want2er
I'm 53 & still working. Would love to RE but realistically will be working another 7-9 years due to poor saving in my 20s/30s and lower expectations on returns over the next decade. So I'm doing everything within my control to improve post-retirement situation (budgeting, increasing savings). But would appreciate advice on how to diversify savings & allocate future deposits within the limited choices of my 403b.
(edited to add: I have a small Roth account with T Rowe Price. But this 403b & SS will provide the majority of my retirement income. Working on budgets & estimates. Thinking that SS might meet 50% and 3% WR from savings would provide other 50%.)
What would you do if these were your options with expense ratios (gross%/net%)........
TFLICGuarPool - Interest rate 3.5% for deposits 1/1/2010-12/31/2010
TAP Instl Mny Mkt (0.62/0.50)
PIMCO Totl Rtrn (0.89/0.71)
Black Rck Eqty Div (1.11/1.11)
Vanguard 500 Index (0.18/0.18)
Amer Fds Grwth Fd (0.70/0.70)
TAP Instl Mid Value (1.05/0.90)
Vanguard MdCap Idx (0.27/0.27)
Frst Amer MdCap Gr (1.23/1.23)
Vanguard SmCap Idx (0.28/0.28)
Virtus Qual SmCp (1.84/1.45)
Baron SmCap (1.34/1.34)
Amer Fds Europac (0.86/0.86)
Amer Fds Income (0.70/0.70)
Black Rck LP 2020 (1.19/0.85)
Black Rck LP 2030 (1.20/0.85)
Black Rck LP 2040 (1.20/0.85)
Black Rck LP Retire (1.20/0.85)
Thanks!
want2er
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