Thanks, Caat.It looks like tiaa would be better for me to start. I'm better off there until I accumulate 10k or more to avoid vanguard's fees. I'll be putting in 5k for 2001 & 2002, 3k in 2003. I figure I'll have 10k or more by 2004. But what are the costs of transferring to vanguard in 2-3 years? Are there xfer fees?Since I'm sortof new to this, it's hard for me to tell if i'm better off starting with vanguard from the get go. I may decide later to transfer to a totally different company but for arguments sake, I'm thinking tiaa now vanguard later? or just vanguard now?Also keep in mind, I don't want to have to create my own mutual funds portfolio yet. I don't know enough to do it! I want at least for the first year or so, to have it done for me.... some kind of mixture, if you will. IOW, some fixed mixtures of funds.. (hope that makes sense)What do you think?-T
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