No. of Recommendations: 0

Congratulations on making the initial decision to invest for your future. The funds you have chosen are good funds, and (in my opinion) positioned well for the long-term. I would encourage you to do a Roth IRA (and your spouse if you are wed). The Roth's flexibility to address such events as college funding (removal of cost basis) is reason enough.

I do wonder why you have chosen Valic. Valic uses a variable annuity to wrap around the 'fund' choices. While this does include a death benefit, it is redundant use of tax deferral; for which you are paying. Are there no other choices besides an annuity?

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