No. of Recommendations: 0
Personally, I'm swinging my investments away from a mediocre set of funds managed by Vantagepoint (ICMA Retirement Corp.), and more toward individual stocks in a Roth IRA.

However, I would recommend you pay attention to, and ask questions about two main areas; (1) performance and (2) fees.

Performance: Be aware that past performance has no bearing on what you'll do in the future, but it gives you a benchmark to compare to. You can compare funds to those offered by either other deferred comp. plans or to numerous other investment vehicles. My employer makes more than on plan provider available to us, and you may have more than one available. If the fund your thinking about isn't doing as well as the Dow, consider investing in an index fund. They generally have much lower fees.

Fees: here's where it can get interesting. Each fund will charge you a certain percentage of your money to administer the plan (invest your money). Fees vary within a plan, and if you choose a low fee index fund within a plan, you may do quite a bit better over the long run by plowing more of YOUR money into the investments instead of the fund manager's pocket.


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