I would second the idea of opening up a new Roth or moving your Roth. New York Life is an insurance company, not a brokerage, so you may want to check that your RIRA isn't actually an annuity. If you move your RIRA or open a new account to somewhere like ScottTrade or Fidelity, you will be able to buy and sell individual equities as well as mutual funds, if that is your goal. If you want to stick with mutual funds, you may want to consider Vanguard. FuskieWho notes that as expensive as your 403b is, the amount you can contribute is likely larger than your annual IRA contribution limit...
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