If your employer matches any part of your 403b money, be sure you contribute enough to get the maximum. You can also have a Roth if your adjusted gross income is less than $150000, married. You can contribute $2000 a year to the Roth independent of what you do with the 403b. If your Roth is with a mutual fund company, you will likely put mutual funds in it. If you go that way, Vanguard is a good choice, Janus is another. If you go with a discount broker, you might choose the Foolish Four. Only problem is that $2000 divided among 4 stocks can be a significant amount of trading costs. My suggestion would be to start with one of the Vanguard index funds, and after the account has grown to $10000 or so, switch to individual stocks. Best wishes, Chris
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