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Reply to "which 403b vendor has the lowest expense ratios?"
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[quote=Anonymous]In my 403(b) plans, once you hit retirement, you can choose to buy an annuity with the money, but don't have to. If I die, my DH gets the 403(b) money. If we both die, our children get it (or rather a family trust does on their behalf). You specify heirs for a 403(b), so it is not true that when you die, your heirs get nothing. We have both a 403(b) and a 457 - both are good options.[/quote]
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