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Xnocturnal,

You're received a couple of very good suggestions from intercst and TMFPixy which I feel you should look into.

That is to first look into whether or not your employer will allow/help you go outside and set up an account using mutual funds instead. You're employer has to be willing to set up the payroll deductions . . . .just be aware too that they may not even know that they can do this outside of the annuity program.

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