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Hey guys, I'm a novice at investing, and I was wondering if anyone can give recommendations regarding which fund is best from the options available for my 403b. I currently have a Roth IRA (about 11k) in the Target Retirement Fund 2055. Since I didn't start investing until later, I am OK with being more aggressive with my investment (probably 90% stocks and 10% bonds). Here are 2 options I was thinking of doing:
1) 403b: 21% (VBTIX) Vanguard Total Bond Market Index Fund Institutional Shares (0.06%)
Then, split my Roth IRA to (VTSMX) Vanguard Total Stock Market Index Fund Investor Shares (0.17%) and (VGTSX) Vanguard Total International Stock Index Fund Investor Shares (0.22%).
OR
2) 403b: TIAA Traditional Annuity and keep my Roth IRA as is.
Here are other 403b fund options that have lower expense ratios that I can choose from:
1) Vanguard International Index Fund (VINIX): Expense ratio 0.04%
2) Vanguard Total International Stock Index Fund (VTSNX): 0.12%
3) TIAA-CREF Lifecycle Index 20-- Fund: Gross/net expense ratio 0.65%/0.15%
4) TIAA-CREF Large Cap Growth Index Fund (TILIX): 0.06%
5) TIAA-CREF Large Cap Value Index Fund (TILVX): 0.06%
Thanks!
1) 403b: 21% (VBTIX) Vanguard Total Bond Market Index Fund Institutional Shares (0.06%)
Then, split my Roth IRA to (VTSMX) Vanguard Total Stock Market Index Fund Investor Shares (0.17%) and (VGTSX) Vanguard Total International Stock Index Fund Investor Shares (0.22%).
OR
2) 403b: TIAA Traditional Annuity and keep my Roth IRA as is.
Here are other 403b fund options that have lower expense ratios that I can choose from:
1) Vanguard International Index Fund (VINIX): Expense ratio 0.04%
2) Vanguard Total International Stock Index Fund (VTSNX): 0.12%
3) TIAA-CREF Lifecycle Index 20-- Fund: Gross/net expense ratio 0.65%/0.15%
4) TIAA-CREF Large Cap Growth Index Fund (TILIX): 0.06%
5) TIAA-CREF Large Cap Value Index Fund (TILVX): 0.06%
Thanks!