![Voya 457b [Which Funds Should I Pick?]](https://i.ytimg.com/vi/WjERRBX0bRg/maxresdefault.jpg "Voya 457b [Which Funds Should I Pick?]")
A subscriber who has a Voya 457b plan asked me to review some funds I would pick. I also have a Voya 457b, so it was easy for me. I know the funds I currently use and have used in the past. I review some differences in Expense ratios.
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Thanks for the video! After you have some funds you like, if you want to compare them based on the expenses, would you use the net or gross exp ratio? I noticed that the net discounts what appears on the right as "waiver expense ratio". So my questions is am I charged the net or the gross?
I am asking since the VOYA products seems to always have that waiver (bringing down the net expense) but other 3rd party has no waiver (making the gross=net).
Thanks!
I have about 13k in my account how can I withdraw that amount? I'm 27 an just got let go because of the vaccine mandate
Thank you for sharing this informative video!
Voya is just too expensive.
Do u think its better to just put my money into a vanguard index fund and not use my voya 457 b plan? ( i want the most out of my money i just started an am 20 years old)
How do I get my money out, it’s not even worth 1k, I need Busch light and new four wheeler parts
Thank you
I have a Voya 401k. I am financially ILLITERATE. Any pointers on how I can become more knowledgeable on what’s going on here?
I have a 457b AIG VALIC variable annuity with sub accounts. The S&P 500 index fee is 1.25%. Would you invest in this 457b or are the fees too high?
So which vanguard will generate the most money ?
Have you always chose your funds manually? Or did you opt in for an account manager?
I like your channel. May I ask you where you are ? New Jersey or Newyork?
Brad,
I am also an Oregon FF with 6 years left. my department also has a Voya 457 and a few years ago we renegotiated our deferred comp and made some big changes. 1st we now have predominately Vanguard funds!!!!! 2nd our contributions became a % instead of just a fixed amount and lastly, we added the 457-Roth to our options. These three things where a massive game-changer for our accounts and I saw the benefits almost immediately.
Thanks for sharing. I am curious to get your take on how SS will fit into your retirement plan? Particularly with potentially not having any SS contributions for close to a decade before you can claim.
I would also love to get your perspective on the current Oregon PERS IAP situation? Have you made adjustments for this? Are you considering using the IAP redirect? I contribute the full 6% (employee-paid) and as a Tier 2 employee am losing almost 2.5% contribution for the next 6 years.
Thanks and I look forward to more great content!!
Thank you so much for this information. I want to retire by 2022. I want to take some risk in investing. I have 50% stable fund, 50% mid-cap. I want to go maybe 80/20. 20% being stable fund, and try to stack up some money in investing. What do you recommend or suggest? Thanks again.
Hi Brad. Thank you for sharing. Love your channel. I have a 457b and I’m about a year from retirement. Do you have any suggestions or strategies for handing a 457b in retirement? Some suggest living by the 4% rule, with a goal of having the funds last at least 30 years. I’ve also heard someone suggest moving funds away from 457b’s in retirement because of the expenses associated with these plans.
Thank you so much!! I actually have the majority of my plan in the large cap index fund, so I’m glad to see others like that one too. Voya isn’t the best for low fee funds, but it’s all we’re offered, so I’ll take what I can get. Thanks again for another great video!
Thanks for info.
I also have Voya for my 457.