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I have went back and read other posts on this subject but am still confused. Is there any difference between a 403(b) and a variable annuity? I currently am involved in a 403(b) which I have invested in a stock index fund. After all, my 403(b) is also called a "tax-sheltered annuity." Please help. I read the "Smart Money" link on variable annuities and am still confused.

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