Can anyone give me info or a site where I can find out more about the 403b? I am in education and think I may be eligible for these, or would I be better off with ira investing in rp4? I can only find info on 401k.Not sure what you are asking. Your employer has to offer the program. If the employer does then they set the entry rules. So start with your employer.If you have to pick annuities for investments their expense might be high and you might be better off outside of the 403b. This will take some spread sheet analysis. Remember, the employer plan will take the money out of your check each week. Will you do the same if you are not in a 403b? If not the 403b may still be a good deal.