Row 42941

Row ID: 42941 | Dataset Entry | Axioma AXP Content Repository

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This page contains data entry 42941 from the Axioma AXP content repository. The structured data below represents the complete record for this entry.

The net is what you are paying. It looks like it goes up to .37 later this year. I'd personally just use the index funds.

Whether or not to roll it over is not always a straightforward decision. I'd have to look into any fees you might be paying (on top of the mutual fund expenses). Pros of keeping the money in your 403b is you keep the option open for doing a Mega-backdoor Roth conversations later on in life. Also, the 403b would most likely be more protected in the event you get sued for something. Cons of leaving it are obviously limited fund choices, potentially higher fees, and more complexity of having another account to manage. So it depends.

A lot of people keep the same asset allocation across accounts. I personally don't. I keep my really aggressive factor funds in my Roth IRA. This is an account I most likely will not even be touching in my lifetime. My 401k and traditional IRA are stock index funds and bonds, and my taxable account is all stock index funds with low dividends. Either way, you do need a set asset allocation across all of your accounts. I keep track of mine on a google spreadsheet.

FieldValue
text The net is what you are paying. It looks like it goes up to .37 later this year. I'd personally just use the index funds. Whether or not to roll it over is not always a straightforward decision. I'd have to look into any fees you might be paying (on top of the mutual fund expenses). Pros of keeping the money in your 403b is you keep the option open for doing a Mega-backdoor Roth conversations later on in life. Also, the 403b would most likely be more protected in the event you get sued …
label r/investing
dataType comment
communityName r/investing
datetime 2024-05-22
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Raw Record

{
  "text": "The net is what you are paying.  It looks like it goes up to .37 later this year.   I'd personally just use the index funds.\n\nWhether or not to roll it over is not always a straightforward decision.  I'd have to look into any fees you might be paying (on top of the mutual fund expenses).   Pros of keeping the money in  your 403b is you keep the option open for doing a Mega-backdoor Roth conversations later on in life.  Also, the 403b would most likely be more protected in the event you get sued for something.   Cons of leaving it are obviously limited fund choices, potentially higher fees, and more complexity of having another account to manage.  So it depends.\n\nA lot of people keep the same asset allocation across accounts.  I personally don't.  I keep my really aggressive factor funds in my Roth IRA.  This is an account I most likely will not even be touching in my lifetime.   My 401k and traditional IRA are stock index funds and bonds, and my taxable account is all stock index funds with low dividends.   Either way, you do need a set asset allocation across all of your accounts.   I keep track of mine on a google spreadsheet.",
  "label": "r/investing",
  "dataType": "comment",
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  "datetime": "2024-05-22",
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