I have a 403(b), as I'm a school teacher. There's no matching, but I get a good pension. Say I want to invest $1,000 a month in retirement. I could have it put pre-tax in the 403(b), but the expense ratio for the target fund I want is kinda high (0.8%). Vanguard has some good ones with a much lower ratio, but it would be post-tax $1,000.
Because my district doesn't match any contributions I make to my 403(b), is there any real good reason to invest in it when the expense ratios are so high?