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Hey Dave my fund did 161% last year. With a mutual Fund he has a better chance of picking a winner then with a stock. Self directed or not. He can also invest more up front and that is the real point. The 403b is deductable and deffered which to me has winner written all over it. The Roth is a great idea and to do them both would be heaven. When you can't do them both do the sponsored to the max. That's just my Foolish opinion (it has made me tons of dough).
P.S. I have both
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