I have no advice sarameg, I should have considered my options more carefully but I had no Intel to go on. So um, best advice is find a financial advisor who is actually trustworthy?
Cordelia: I get it now. You're all spies. Probably all Russian. And you've brainwashed me, and want me to believe we're friends so I'll spill the beans about some nano-technology thingy that you want. Gunn: So I look Russian to you? Cordelia: Black Russian. Angel: That's a drink.
'Hell Bound'
Natter 74: Ready or Not
Off-topic discussion. Wanna talk about corsets, duct tape, butt kicking, or physics? This is the place. Detailed discussion of any current-season TV must be whitefonted.
Burrell - Apr 13, 2016 4:32:02 pm PDT #19538 of 30003
Why did Darth Vader cross the road? To get to the Dark Side!
msbelle - Apr 13, 2016 4:42:36 pm PDT #19539 of 30003
I remember the crazy days. 500 posts an hour. Nubmer! Natgbsb
I had both at some point Sara. I know some TIAA accounts have limits on transferring them if you ever want to do that, but it was only some of the ones I had.
sarameg - Apr 13, 2016 4:44:04 pm PDT #19540 of 30003
I've got a couple weeks to call both companies and get info on fees and shit. I have NOT been proactive up until now, but now that I'll seriously be close to hitting IRS max for retirement thanks to the 401,I'm trying to get on a new path. But not so much I'm trading or anything, just sign up for a plan. And then after I figure that out, transfer most savings to the credit union I'm now eligible for.
Kate P. - Apr 13, 2016 4:44:21 pm PDT #19541 of 30003
That's the pain / That cuts a straight line down through the heart / We call it love
I'd pick TIAA, personally (that's where my current job's retirement fund is, plus I have a Roth IRA with Vanguard), though I'm not sure it will make much difference either way. Do you have info as to when/how/how much each one charges in various fees? I feel like I picked TIAA because the fee structure made more sense to me, but I don't remember specifics now.
But probably more important is your choice of funds. (Do you have a way to see which specific funds are available to you in TIAA vs. Fidelity?) My preference is for low-fee index funds that track a broad section of the market; I'm sure both TIAA and Fidelity offer several that do this.
sarameg - Apr 13, 2016 4:46:14 pm PDT #19542 of 30003
Money into retirement= money I pretend I don't have, until retirement. Which reminds me, also will need to rollover my 401(k) into the 403. I think?
sarameg - Apr 13, 2016 4:48:09 pm PDT #19543 of 30003
I have a gazillion options. It's overwhelming. I need a spreadsheet, but like I have the time.
Kate P. - Apr 13, 2016 4:53:32 pm PDT #19544 of 30003
That's the pain / That cuts a straight line down through the heart / We call it love
Yeah. I kind of love thinking about this stuff (nerd alert!), but it can definitely be overwhelming. If you know both TIAA and Fidelity offer a ton of fund options, though, then probably either one would be fine. Would it help if you just flipped a coin? Or is there something specific you want to look for (or avoid)?
Hil R. - Apr 13, 2016 4:57:31 pm PDT #19545 of 30003
Sometimes I think I might just move up to Vermont, open a bookstore or a vegan restaurant. Adam Schlesinger, z''l
Hil, do you want to see it opening night and/or a different date? I'm probably going to get tickets soon-ish, so let me know. (By "opening night," I mean Friday, probably a 9-ish show, given how long it takes Tim to leave work.)
Sure! Email me to work out details.
sarameg - Apr 13, 2016 4:59:01 pm PDT #19546 of 30003
I just want to not be a slackards by default! I want to inform myself enough that I'm at least making a better decision than coin flip, but not striving for perfect. I love data, but I actually hate dealing with finances. Because I feel like an idiot (because I am, beyond 'save a lot.')
sarameg - Apr 13, 2016 5:03:48 pm PDT #19547 of 30003
Meanwhile, here I am planning more phone calls when I still have holes in my ceiling because...I haven't had time to make phone calls...