Reply to which 403b vendor has the lowest expense ratios?

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[quote=Anonymous][quote=Anonymous]I'm 11:09 above - our financial planner (fee based, so not making commissions off of us) emphasizes that one needs to look at the performance of the plan as well as the fees.  He also emphasizes not having all your eggs in one basket.  We have TIAA-CREF and Fidelity as well as some older plans from a previous job that we no longer contribute to (Lincoln, Nationwide, and VALIC).  He has encouraged us to hang onto all of them as he says they give us a diversified portfolio.

We have Vanguard funds within our VALIC plan (Windsor and Wellington).  Look at the individual offering of some options and see if Vanguard funds are part of them.

Our planner encouraged us to add Fidelity some years back and it has done great (although as our planner would say - you need to think long term and not get to excited over the current good times).

[/quote]

I agree that you should have a diversified portfolio and look at the underlying options being offered, but it doesn't really make sense to me to say that you should be diversified across different fund companies or even funds.

You could have a  total stock market fund with one fund and be investing in 4000+ companies, or you could have 4 funds with 4 different companies that all end up in the same 40 companies.  I can't imagine what risk you are reducing by diversifying across different plans (your funds should all be segregated even in the unlikely event a company went under).[/quote]

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