Question in title.
Context: Beginning career lecturer at a large public university, current mandatory retirement contributions are 4% employee + 12% employer to a 403b (not Roth). 16% savings rate, looking to increase my total rate to \~30%. Planning to retire in 20-25 years at approximately age 50.
Considering current income/tax brackets and future expected earnings I am looking for my best Roth option vs further increasing my 403b contribution.
Fees and fund options are the same for all accounts.
I see that the Roth 457b avoids early withdrawal fees/taxes and that seems to be a clear advantage over the Roth 403b. Is there some advantage to the Roth 403b that I'm missing or is the Roth 457b simply the better option?