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My husband and I are both teachers. Ten years ago we were advised to put our money into a tax shelter that is designed for teachers.

Can you be a little more specific? When you say "tax shelter" I assume you are talking about a vehicle that permits tax deferred growth of your principal. Since you are teachers, I assume you are talking about an annuity of some type. Since you implied that you are getting a fixed rate of return (although maybe I read too much into your statement) I assume you are in a fixed annuity. What is the name of the vehicle? Is it part of a 403B (also known as a "salary reduction") plan through your employer or is it something you got into independent of your employer? Are there investment choices (subaccounts") within this vehicle other than the one you are in? Do you know if there is a back end load and, if so, for how many years? The answers to these questions will help folks on this board respond to your questions.

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