Retirement Plans: TRS vs. ORP

[cisatra]

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Hi everyone, I'll be starting my intern year this coming month and we were asked to chose between the Optional Retirement Plan and Teacher Retirement System. From quick glance, it appears the TRS is less risk, less reward, and hands off while the ORP, you manage your investments, higher risk with higher reward, more portability (between states). I wanted to ask the community if anyone has a preference and why?

Thanks!

 

[Precedex]

I don't know those plans but I think you're probably not analyzing it correctly. Risk is a function of the nature of the investment. What are the fund options in each plan? It is also important to determine what the fees are too.