Author Topic: Assistance with investment options  (Read 1952 times)

Katsumoto

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Assistance with investment options
« on: May 30, 2014, 02:10:09 AM »
Hello all, was hoping for some advice so I can start putting away more and being more involved in my investments. I currently work for a municipality and pay into a pension which will allow retire with 20 years on (14 years from now). I put 7.5% income into that.

I have a little over 60K in a Supplemental State annuity with 6% contribution and a 6% match.
It is currently invested 99% into the Alaska Long Term Balanced Trust & 1% in the Russell 3000

I would like to start contributing to a governmental 457 Deferred Comp, but am unsure which funds to choose. Here are the following options for both the annuity and the 457.

Fund Overview

Domestic Equity
Russell 3000 Index
S & P 500 Stock Index Fund
Allianz/RCM Socially Responsible Invest
US Small Cap Trust
International Equity
World Equity Ex-US Index
Brandes International Eq Fund Fee CL - 1

Domestic Fixed Income
Government/Credit Bond Index Fund
Intermediate Bond Fund
Long US Treasury Bond Index
US Treasury Inflation Protected Sec Indx
International Fixed Income
World Government Bond Ex-US Index
Stable Value/Money Market
Stable Value Fund
State Street Inst Treasury Money Market

Balanced
Alaska Balanced Trust
Alaska Long-Term Balanced Trust
SSgA Global Balanced Fund
Target Date
Alaska Target Date Retirement 2010,2015,2020, etc

Real Estate
US Real Estate Investment Trust Index


What are some sensible positions? I am also considering a Roth through Vanguard as well.

Thank you for your time,

butchmonkey

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Re: Assistance with investment options
« Reply #1 on: May 30, 2014, 08:13:13 PM »
Without the expense ratios this is unanswerable.

With the expense ratios, it depends.


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Another Reader

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Re: Assistance with investment options
« Reply #2 on: May 30, 2014, 09:27:19 PM »
Who is the plan provider and what companies run the funds?  What are the expenses and returns of these funds?  The easiest and usually the least expensive choices are index funds.  However, before you select any funds, read up on investing and decide how you want your money invested (allocation of your paper assets).

Deferred compensation plans offered by government employers are great for early retirement.  You can access the holdings in the account once you separate service before age 59.5 because 457 plans are deferred compensation, not qualified retirement plans.

arebelspy

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Re: Assistance with investment options
« Reply #3 on: June 06, 2014, 10:42:35 PM »
Your 457 might have multiple plan provider options - find out what companies your employer works with to figure out your various options.  Start with that and then move to deciding which option within that company to choose, IMO.
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