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As a teacher, my school offers a 403b. I'm not exactly thrilled with my investment options because it appears to only be mutual funds with load fees and I have only gotten a return in the 4-8% range over the past ten years. My school does not match my 403 contributions.

I also have a Roth IRA with NY York Life but again appear to be stuck with only mutual funds with load fees with average to below average returns.

Where does a Motley Fool put their money based on that scenario?
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