All,

I've been lurking for quite some time since my last posts, but not
have reason to pose a question. I just received my benefits
information from my employer yesterday and I noted that starting in
2009 they will have a Roth 403b. I have been fully funding my and my
wife's Roth IRAs for years and putting 11% of my gross income into my
403b. I am 41 1/2 years old and my employer still (surprisingly)
provides a defined benefit pension plan. What are the pros and cons
of switching to the Roth 403b?

On another note, I saw on Bankrate.com the other day a suggestion to
get into WIP ETF to help hedge against international inflation. I
keep about 12 moths of expenses in my new car/emergency fund and don't
really understand what role WIP might possibly play in that portfolio
(where I have about 25% money market, 25% laddered CDs (about a 2 year
ladder), 25% large cap stocks, 12% floating rate bank loans, 12% short
bond fund, and 10% 'risky' stocks).

Thanks,

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