I have about 70k currently in a rollover IRA (vanguard 500 index fund). I am thinking to rollover this amount to my work's 403b so taht I can start doing backdoor roth IRA. We make too much to contribute to a Roth IRA. We both maximize our 403b and 401k (DH). But I think it would be good to contribute to a Roth IRA but in order to do that I would need to have no IRA. But my concern is that current 403b's return isn't as good as the Vanguard 500 index fund. I am currently 39 years old so there is a long time before I will need to retire.
