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Some of the information I've looked at seems to indicate that an annuity is the only choice in a 403(b); other information seems to indicate that there are index funds, etc. available. Who's right??

As I understand it, they're both right--it's just that one is outdated. 403b's were originally required to be annuities, but then mutual funds were added a few years ago.

If you have Vanguard and TIAA-CREF available, you have some good choices--not that the others you listed aren't also, but I'm just not familiar with them. Vanguard and TIAA-CREF are widely reputed to have the lowest expenses on their funds, which is what you look for if you go the index fund route. If you go the managed fund route, then I would look at long-term total returns, and check Morningstar reports to see if there have been any manager changes. It's tough to beat an index fund, but I believe there are a few people who can do it.

One other thing you may want to be aware of is that it is possible to open a 403b7 account as an individual with any mutual fund of your choosing--provided that the fund company offers them. With this arrangement, your payroll deductions would still initially need to go to one of the vendors your employer works with, but once the money is there you could transfer it to your 403b7 quarterly or annually. Of course, you want to check your plan to make sure you wouldn't owe any "surrender charges" for transferring the money--in some plans you do, some you don't. You can do that yourself directly with the 403b7 provider--your employer never even needs to know about it.
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