Hey hvyevy2 , I will be 70 on 4/1/00!!! Yeah, I know, April Fool, but it is true, that's my birthday.So, how DO you know if someone is sincere when they wish you a "happy birthday"? Do you then adjust each year from the mandatory IRA, 403(b) withdrawals? Let me know. Are you going to "roll" your 403(b) to a self-directed IRA? That's my plan even though I'm not at all disappointed with Vanguard. Most of my sheltered funds are in VFINX. I have a SEP IRA with Waterhouse and plan to move all of the 403(b) (Lincoln National, Growth and Income) and 403(b)7 (Vanguard, Index 500) funds I have into that IRA. Then I'll set up a strategy yet to be finalized. Probably be some Spiders, Diamonds, Qcubed, and maybe Webs amongst the equities. So far, the Rule Maker (old Cash King) has pleased me in my after-tax Waterhouse account.Cheers.FoolishProf
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