Date: Fri, 16 Jan 2004 04:02:59 CST
From: jkitchar@yahoo.com (John Kitchar)
Newsgroups: misc.invest.financial-plan
Subject:  Re: Tax deferred with load VS no load retirement options
Message-ID:  <91f9cb95.0401152310.59e21b4a@posting.google.com>
References:  <91f9cb95.0401150135.67540a76@posting.google.com> 
	iQBVAwUAQAe20/l/I4+O31e5AQGV7QIAsU1D4+gBCw3mcPRfR2gFuMZU/Jw8WM/B
	fibN2/GpJ7htXlljvtu7rKlrasr35bYmQjEHvaHdR9jc9fHMNDjQLg==
	=937y

"HW \"Skip\" Weldon"  wrote in message news:...
> On Thu, 15 Jan 2004 04:03:22 CST, jkitchar@yahoo.com (John Kitchar)
> wrote:

> Get back after you confirm a load, and ask for non-qualified
> alternatives.  At that time tell us what, if any, matching
> contribution your employer makes to the plan.
> 
> 
> -HW "Skip" Weldon
>  Columbia, SC

I'm pretty darn sure the guy at Asia Pacific said the 403B has a 5.57
percent load, but I've been wrong before so I'll check again tomorrow.

I don't think Gov Guam matches anything for a 403B...I'm under the
Government's "old" defined benefit plan. This has been replaced years
back with a defined contribution plan. They of course want me to
switch plans but I'm sticking to defined benefit.

I'm keeping my defined contribution...I believe it is the best plan
option. I was just thinking about adding another retirement plan...a
403B in addition to my defined benefit. My co-worker does this, he has
the defined benefit plus a 403B deducted from his paycheck. I just
worry that 5.75 percent load is too much to pay up front.

Thankyou very much for your advice; I'll answer those questions asap.

JMK