Hey,

My wife has the option to invest in her employer's 401a, 403b or 457 plans. I've done a bit a research but it seems like there's several camps here for 457 and not-457. Through my 401k and our IRAs, we try to follow a 3-fund portfolio strategy total index stock, total bond and international, in roughly this ratio 70%/10%/20%.

For what it's worth, each plan noted above has the following index options. These don't particular align neatly into our simple portfolio strategy, but they're still pretty good:

SPTN 500 INDEX INST (FXSIX)

VANG MIDCAP IDX INST (VMCIX)

VANG SM CAP IDX INST (VSCIX)

VANG TOT INTL STK IS (VTSNX)

VANG TOT WLD STK INV (VTWSX)

VANG TOT BD MKT INST (VBTIX)

Look forward to your opinions on 401a vs 403b vs 457b. Thanks!