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Dodgeball and mphipps,

Thanks for the advice, much appreciated.

I recognize now the lack of diversity between all those funds, and yep, I'll go take a look at what stocks they're actually invested in.

I think that yes, it probably does make sense, especially right now with the market no longer rip roaring into infinity and beyond to put the whole $3K in FUSEX index and then split future salary deposits between FUSEX, One Tech Fund and One "Other" Fund that's invested different to Tech Fund.

Regarding fees. I did check with my plan manager and no they don't waive the fees in our plan. Fidelity plans seem to have a typical expense ration of 1.2 to 1.4%.
There's often a 3% initial sales fee, and 0.75% redemption fee and a 0.3% management fee. Deferred, Admin and 12b-1 are typically 0%. The managers seem to have been managing that fund for typically 1 to 2 years.

I'm assuming that the expense ratio is a summary figure and that the other fees aren't in addtion to the expense ratio.

Thx, for your help.

Dr. C
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