IMHO, it is always a good idea to worry about fees regardless of the amount invested. Most Fools try to keep their fees to 2% or less.Without knowing anything about your choice of funds, it seems as if you have quite a vast selection to choose from. Please keep in mind however, that an index fund may well hold 500 different companies.You may want to do a little more reserach in regard to the turnover rate of the funds that you have chosen.One more point: is your 403b an annuity or is it actually a 403b(7)? Keep in mind that a 403b which offers annuities may have "hidden" expenses.Good luck,Dave
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