Franklin Templeton is a mutual fund family. Therefore, it is all mutual funds. I believe that you can direct transfer your SIMPLE IRA to another SIMPLE IRA custodian without tax penalty. I know you can do this with a SEP IRA.You cannot take a distribution from a SIMPLE within two years of setup without incurring a 25%? penalty. (More than 10% penalty, and I'm not confused and talking withholding).Whether or not you would have a back end load from Franklin T, I don't know.
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