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I have a 403b that is very limited to investment options. The performance of these funds have been very poor for the past 3 years.

I understand the 403b restricts investment to annuities and mutual funds. My employer matches to the legal limit only if investments are within their program.

I do have the option of choosing funds outside of the program but, again, I will lose the employer match.

I feel there is an opportunity with some stocks and would like to take advantage of that through dollar cost averaging. Ordinarily, this would not be
allowed because of investment restrictions in the employer's program. But, I have an idea...

Have all and future funds transferred to my money market annuity. This annuity allows me to transfer between my IRA and brokerage account.

I would set up a program that would draw funds on a regulary basis from the annuity money market. These withdrawals would be placed in the brokerage
account to fund my stock elections on a regular basis.

I feel as long as my stock elections continue to show a 25% to 60% return rather that the 12% I now receive, I should be ahead withing the first few weeks.



PS: I'm 10 to 15 years from retirement.
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