Here is the menu at major Ed institution. This is my employer. I am a registered nurse. I am trying to come up with a rationale for this menu so that I can begin to invest in a sensible way. But I just do not know which to choose or in what %. Age 40. Right now I just contribute 3% to the 403(b). Any advice will be sincerely appreciated. Fidelity record keeper.

401(a) employer contribute = 6.2% 100% vested. Employee contrib optional. Wages exempt from FICA.

403(b) match 3%

457(b). Employee option

Brokerage option