Early in 2014, I took money out of a deferred compensation plan (457b) and put that money into investments with Vanguard, where the majority of my investments are held. My rationale for making the switch over to Vanguard, at the time, was that the deferred compensation plan had, on average, higher expense ratios for its investments.
Well, now I have been thinking about putting some, or all, of my bond allocation into a stable value fund. I see that the deferred compensation plan offers a stable value fund. Annualized Returns Stable Value Fund- YTD 1.89, 1 year 2.52,3 year 2.95,5 year 3.51. The only somewhat similar fund that I could find with with Vanguard, was a Money Market fund VMMXX-
YTD 0, 1 Year .01, 5 Year .04, 10 Year 1.63.
Is it better to leave money in 401k/457b plan after you have left the employer? I thought by switching to Vanguard I was doing something smart, consolidating my investment portfolio and getting lower expense ratios.
Well, now I have been thinking about putting some, or all, of my bond allocation into a stable value fund. I see that the deferred compensation plan offers a stable value fund. Annualized Returns Stable Value Fund- YTD 1.89, 1 year 2.52,3 year 2.95,5 year 3.51. The only somewhat similar fund that I could find with with Vanguard, was a Money Market fund VMMXX-
YTD 0, 1 Year .01, 5 Year .04, 10 Year 1.63.
Is it better to leave money in 401k/457b plan after you have left the employer? I thought by switching to Vanguard I was doing something smart, consolidating my investment portfolio and getting lower expense ratios.