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3 years ago my husband started a new job and I just ran across a retirement statement and am horrified to realize that he has been invested in a short term fund all of this time.

I have now set up an online registration for him through Fidelity (where his retirement is housed) and am being given the option of a 403b or a 457b plan.

I don't know anything about either of these. Can you give me some ideas on what might be better for me to put him in?

A little background: We are in our 50s, we have no kids and both of us have Roth IRAs through Vanguard. He netted about $40,000 for this past tax year.

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