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Greetings Rebecca,

My specific question about the 1% fees is in relationship to 3 index funds (large, mid, and small cap) offered by ING.

They aren't your regular index funds as each states that the goal is to OUTPERFORM the index which is unlike a regular index fund if you look at Vanguard or TIAA-CREF describe their index funds which usually state that the fund seeks to mimic the return of the index.

From http://home.ingdirect.com/products/mutualfunds.html :
"The goal of this fund is to outperform the S&P 500. We can work towards this return because, unlike an ordinary index fund, we're not required to include poor performers that can limit growth potential."

There was a post I did about these that can be found on the index funds board at http://boards.fool.com/Message.asp?mid=16242954 fyi.

JB
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