I recently started a job with an employer that offers the choice of a 403b or 401k and a 457. I am aware that I can contribute the maximum to both a 403b/401k and a 457, but for now I would like to choose one to max as I am saving for a house down payment in a relatively high COL area.
Both the 457 and 401k are managed by Voya, and it looks like their 'PERAdvantage 2045' fund has combined fees/expenses of .12%.
The 403b is from TIAA CREF, and has a 'GROSS / NET EXPENSE RATIO of 0.09% / 0.09%' for a comparable 2045 fund according to what I find.
I'm not intimately familiar with the differences between the three, but the fees seem similar. I don't know much about either vendor though, my previous employer used Fidelity, and I use Vanguard for my IRA.
I am not planning on super early retirement as I do enjoy my career and I have always had a lot of vacation time, remote work opportunity, etc..., maybe 55 would be the earliest I would choose to retire.