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Charlotte - Thanks for the info. You're right about fees & returns; they both can vary widely! Some 403b plans offer one or more index funds, and they can do a good job of accumulating retirement money. Teachers can take advantage of the 403b programs to supplement (social security and) state retirement plans in a big way. An now adding Roth/IRA's makes for a pretty good variety for most people. Vanguard's program is pretty good! PP
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