bright eyed
Thinks s/he gets paid by the post
- Joined
- Jan 4, 2007
- Messages
- 1,891
Ok,
Soooo...i've nearly maxed out my 403b (must be some lame psych reason i haven't - only off by like $50 a check) and started my Roth. yay for me.
Questions:
*Should I max my 403b next year w/ any raise/bonus - OR - put it in after tax investment (more mutual funds? what are other options?).
*Suzie on Oprah said something about Roth being better than 401k and only invest up to your match - but to me it seems the tax benefits don't match (and i recall some of you saying the same thing when i complained about the fees before)? However, my 403b stinks w/ the 1.2 annuity fee on top of each funds fees (about .4-.9 each).
Anyhow, that point is a little moot, since i will max the Roth, so i'm asking what to do with the raise/ bonus - which i'd usually split and put half in my 403b and the rest in my savings. Since i'm almost maxed out, i need new options.
What say ye?
Soooo...i've nearly maxed out my 403b (must be some lame psych reason i haven't - only off by like $50 a check) and started my Roth. yay for me.
Questions:
*Should I max my 403b next year w/ any raise/bonus - OR - put it in after tax investment (more mutual funds? what are other options?).
*Suzie on Oprah said something about Roth being better than 401k and only invest up to your match - but to me it seems the tax benefits don't match (and i recall some of you saying the same thing when i complained about the fees before)? However, my 403b stinks w/ the 1.2 annuity fee on top of each funds fees (about .4-.9 each).
Anyhow, that point is a little moot, since i will max the Roth, so i'm asking what to do with the raise/ bonus - which i'd usually split and put half in my 403b and the rest in my savings. Since i'm almost maxed out, i need new options.
What say ye?