You have as much control over the money as any mutual fund investment. You can start with your money in a Fidelity S&P500 index. If you don't like that, you can move it to a different fund - maybe TIAA-CREFF's small cap blend index, or maybe Voya's GNMA income fund (bond fund).Not quite. I'm allowed one change in what I'm invested in per year. PSU
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