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However, she read me the list of providers that mgmt gave her and it was loaded with the likes of Merrill Lynch, Prudential, Paine Webber, VALIC, etc. The only real palatable choice was Fidelity

From Fidelity: SPARTAN 500 INDEX

That's where my 403(b) money is.

It's got a 0.40% expense ratio, so it's no Vanguard, but it's not too shabby.

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