I currently have VTSAX (ER= .04%) and VMVFX (ER= .25%) with Vanguard. This is my 403b.
Vanguard recently changed their structure (outsourcing to Newport Group as the custodians) to where it will be $60 annually to have the 403b account, on top of the ERs so you can now buy their admiral shares.
Fidelity is a flat $24 annually, plus the low ERs, plus a Roth 403b option, and still offers you access to their premium shares without a minimum amount required.
Their version of total stock market is FSTVX (ER= .035%), whereas Vanguard is .04%.
I also have a Nationwide 457b account with the Fidelity s&p fund (FUSVX: ER= .28% after fees).
I'm considering keeping the s&p 457b fund, transfer over the Vanguard 403b fund to Fidelity for their FSTPX technology fund (ER= .77%) for diversity.
There will be only one fund in my 403b with Fidelity. I also have a Roth IRA with Vanguard that has VGHAX (ER= .32%) only.
What do you think about this strategy?
I really want to get the technology index VITAX but would need 100k in my Vanguard account. Fidelity has it available in their 403b options.
What would you do?
Summary plan: 403b- FSPTX 457b- FUSVX Roth IRA- VGHAX Taxable- FB
Submitted October 31, 2017 at 01:16PM by fat-stanley http://ift.tt/2hre19C
