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I work in a NJ school district with 5 choices of plan administrators for a 403b. I had called all 5 for info and rec'd info from only 3. Time was growing short as you had to be enrolled in the plan before xmas break to start in Jan, or wait til Sept. Of the 3 choices, all offered funds that have 12b1 fees and sales charges, with b and c funds that change into a funds in 7-8 years, and seemed quite confusing. I didn't see any plain index funds available. I was "steered into" Putnam Voyager and Putnam Health Sciences Trust funds by the advisor. Is anyone familiar with these? Should I have stuffed the $$ into my mattress and waited to hear from the others? If I change my mind and change companies, can I move the $$ into a new vehicle?
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