Pjrn77: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?--WauseonFox--
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