Long time reader, first time poster, thank you in advance.
In short my wife, a PGY3 in a 4 year program, has a small amount (~5k) in a traditional IRA account. I am graduating residency this year and our income will force us to start the backdoor Roth contribution process in 2018.
In short, I am not sure if this is a good 403b or should I hope for a better option to rollover into in the future?
Plan Information
403b via Lincoln Financial. Quarterly fee of 0.0313%. Accepts transfers with no processing fees (but may have one on the existing IRA end).
Has a lot of funds available but I will highlight the ones I currently use and expense ratios:
Thank you very much for your input!
In short my wife, a PGY3 in a 4 year program, has a small amount (~5k) in a traditional IRA account. I am graduating residency this year and our income will force us to start the backdoor Roth contribution process in 2018.
In short, I am not sure if this is a good 403b or should I hope for a better option to rollover into in the future?
Plan Information
403b via Lincoln Financial. Quarterly fee of 0.0313%. Accepts transfers with no processing fees (but may have one on the existing IRA end).
Has a lot of funds available but I will highlight the ones I currently use and expense ratios:
- Vanguard 500 Index Admiral, 0.04%
- Vanguard Total Intl Stock Index, 0.09%
- Vanguard Small Cap Index, 0.05%
- Vanguard Total Bond Market Index, 0.04%
Thank you very much for your input!
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