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I have an IRA and it is on track to max out. I'm just looking to sock away more money.

I plan to investigate all my options regarding funds and fees, and I will check out the other two places the university has a deal with: TIAA-CREF and Fidelity. I warned Valic's rep that I am not looking to sign any papers until at least August, which should give me plenty of time to investigate their offerings. I also plan to call Fidelity and TIAA-CREF and arrange meetings with their local reps.

As for Valic, if I go with them there won't be an annual fee as long as I keep employed by the university. The U does not match funds, but it will pay the fees and her commission. (If I leave the U, there is only a fee if I keep adding money to the account.)

I'm looking at Valic, because they offer a 457 plan, and they have a large variety of funds I can investigate.

At this point, I'm just trying to decide what is better for me, a 403 or a 457.

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