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Greetings, tie dye tri guy, and welcome. You asked:

<<My Question: is it true that one cannot invest 403b money in individual stocks as stated above?>>

Yes, it is true while you are working for the employer through whom the 403b plan is available. When you leave that job, then the 403b money may be transferred to a self-directed IRA within which you may trade in individual stocks. Until then, you are limited to an investment in annuities and/or mutual funds only.

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