AXA Equitable offers investment grade bonds for TSA as well as guaranteed interest plans. Compare pros, cons.?

Investment Grade Bond:
1. You receive interest income from companies issued the bond (IOU)
2. Price of the shares you purchased (Principal) can fluctuate due to:
A. Rating of these companies financial strengh.
B. Current Interest Rate.
C. Current Market situation.
D. Politics
Guaranteed interest plans:
1. You will receive a fix amount of interest income.
2. Your principal is guaranteed.
Beware of the lock up period of your principal and interest. Check with the TSA company if you can switch all of your money in this subaccount to another subaccount without penalty.
Don't get a Fix TSA, get a Variable TSA, it is a Fix TSA with more options.

Personally, I would seek out lower cost mutual funds from a lower cost provider like a Fidelity or Vanguard if they are approved for your 403b plan, and if you are 15+ years from retirement. I see people pay huge fees to the AXA, Hartford, and other 'insurance' based groups instead of chosing similar investments through lower cost providers. Or they offer these 'recommended' plans that have rediculously high fees for what you get.

I have a TSA where I have to use a high cost provider. Their costs on a broad market index fund is nearly THREE times what I would pay from Vanguard or the like. It just kills me, but it was by far the best choice available. However, you can only use the providers approved for your plan, so you might be stuck.