Tom -403b plans can be very useful (even "bad" ones) for accumulating pre-tax deposits that grow tax-deferred for retirement. You wife's account must have several different subaccounts to select for investment...Make an appointment with a representative from the company that manages the retirement plan (John Hancock?) and discuss your needs & preferences for your retirement dollars.If you get no satisfaction after such a meeting, you could arrange for periodic partial transfers from the 403b plan to another 403b or 403b(7) account with another vendor (insurer or mutual fund company). This can be done while still working for the same employer.After terminating service from that employer your wife may opt to "rollover" the 403b account to an IRA of your choice. A little paperwork, perhaps, but it can be arranged to your satisfaction.Good luck, PP
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