No. of Recommendations: 2
Hi Uhura

...because I really don't know what to do with it

I find this a particularly 'telling' statement.

Get yourself a 'plan'.
- Think about where you want to be in 25 or 30 years (or even 100 years :-).
- figure out the major steps to getting to that position- things you can accomplish in 5 year increments.
- break the current 5yr increment into 'yearly steps'
- determine which types of investments fit each step, at each level (1 year, 5 yr, 20 yr, etc).

THAT will give some feel for what is 'right' for you.

Life is NOT just about 'money'... it's what that money can do FOR you that counts :-)
By "get yourself a plan", I intend that you should examine YOUR needs, wants, goals, etc. Whatever they are (financial, health, lifestyle, quality of life, where you live, with whom and near whom you live, relationships with relatives, whatever topic is important to YOU!!)

WRITE em down.
Fit em together, rearrange them.
Look for ways to achieve each.

WRITE it down!!!
Go back, rethink each part...
make it as detailed as possible.

Each year or so, review your plan. Does it continue to adequately describe what you want? Does it need to be 'tweaked' here or there?

If you know where you want to go, you will know the questions you need to ask in order to get there :-)

Before you move the $$ from the 403-
403b's are usually from a government type position... some things to ponder:
- the bigger govts are LESS likely to go bankrupt than a private company. Is 'riskiness' a strong factor for you?
- Are there 'investment choices' within the 403b that fit YOUR plan? If you have access to Vanguard Index funds via the 403b - are you better off to move the $$ to Vanguard directly?

- WHY are you moving the $$? This is perhaps the most important question and your 'plan' will help answer it.

Use your 'plan' to help you decide if moving to a different investment is 'right' for you.

Part of investing and retirement (early or otherwise) is being able to sleep at night. If your 'investment choice' keeps you awake... change it.

Having a detailed plan to which you can refer to refresh your memory about your decisions can be a BIG help in helping you make choices that are 'right' for you and thereafter, keeping you on track.



btw -if you will go to the RECF board - and read through the posts BEFORE about year 2000... there is a lot of really good info about planning and achieving your FIRE goals :-)

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