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Both Cigna and Aetna are large, well known insurance companies. They are not known for their low cost mutual funds. Look out; they could be offering you annuities instead.

If they are mutual funds, make sure you check them out on Morningstar.com available on line via the financial pages of Excite.com. Look into loads, expense ratios, and 12b-1 fees. Especially compare their performance compared to that of the respective indexes.

Other things being equal, I would go with the S&P 500 Index fund. Index funds usually have much lower expense ratios than managed funds. They also have lower trading expenses. And Fools believe, index funds usually outperform managed funds. So if you choose other than an index fund, make sure its a good one that consistently out performs. You are paying for that extra performance to have $200K/yr executives with fancy cars and big expense accounts and travel budgets manage your money. Hold their feet to the fire.

You mention a bond fund. It depends on how close you are to retirement and how comfortable you are with risk, but I would suggest no bonds unless you are within 10 years of retirement. Go 100% with equities.

Best of luck to you.
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