Maxed IRAs, 403B, and HSA. My next option is either a taxable account or 457B. I need some help choosing between the two.
Vanguard S&P ETF
15% tax bracket
tax deferred until withdrawal, can withdraw at anytime with no penalties as far as I understand, I plan on being in the same 15% tax bracket when I withdraw it.
Limited investment options but they do have vanguard VTSMX(total stock market index fund) so I would probably use that.
Overall administrative fees = almost 1% a year(charged by the company that manages it + the .18% vanguard fee)
So if I plan on needing this money in 15 years... which account am I better off putting the money into?