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PIXY, Thank you for your answer.
More questions--1. how long does an employer have to invest employee contributions? ( 1 mo., 3mo,?)
2.Can a employer act as trustee?
3. Can employer determine if a employee may take a loan other than for hardship?
4. Can a employer determine when distributions can be made, except at retirement?
You can have ---reg. ira, Roth ira, and 401k as long as you meet requirements as to income and amount invested?
Thank you in advance. Regards, Mary

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