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You are absolutely right. The more he puts away today, the better off he will be. You are also correct in stating that other factors come into play when deciding between a 403b and Roth.

The school district I work in has some horrendous 403b/403b(7) plans. I am limited to annuities and high-load mutual funds, which is why I refuse to participate in one.

However, as I stated in my previous post, are you likely to see that 161% return again? The key to investing is to think long term. Over time, the S&P has beaten the majority of managed mutual funds. Individual stocks have done the same.

The best advice I or anyone else can provide is to do your own homework and decide what's best for themselves.

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