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Greetings, Drgsu, and welcome. You asked:

<<currently i have apension plan that allows me to contribute 3ok a year this money is divided among several mutual funds co0rdinated by smith barney.. I wonder if I would be better off saving money yearly in an index fund and than annually putting this money in a dow 4 program.>>

Possibly. But make sure you do two things first before diverting money from your plan. First, contribute enough to get the maximum possible matching employer contributions. Second, after you have done that, do an analysis to see if additional money will be better invested outside the plan. See Step 4 of my 13 Steps to Foolish Retirement Planning at for an approach for that analysis.


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