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Subject:  Re: IRA vs. HSA? Date:  12/8/2004  3:34 AM
Author:  iamdb Number:  43464 of 88758

The decision function has sure changed since I began working in the 60s. My employer used TIAA-CREF for the 403B, and contributed, IIRC, a max of $3,000. My 403B went into a fund that tracked the S&P-500 without commission, and I maxed my contribution every year. My wife had a similar but less good plan with the county, but she also acquired a handsome pension. Our marginal fed+state tax rate was over 50%, so going with the tax deferred plans was a no brainer. Of course, appreciation of our property in the hills behind Stanford contributed more to our net assets than our investments during those years.

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