OK, I'll concede that point. Though the TSA does offer some extras - a "fixed interest fund", and a guaranteed minimum payout in the event of death. Also some TSA offer a variety of funding choices provided by a variety of different fund managers (e.g. the TSA plan I use offers 5 Fidelity funds, a Janus, 2 T.Rowe Price, a Scudder, etc.), and I can switch among them ant time without cost. A 403b(7) mutual fund account requires me to select one fund family. :) PP
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