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Sort of depends on your situation. If you get matching money for investing in a 401k, 403b and if the expenses are low, it is hard to beat. It pays to double check the returns of your funds against the returns reported in the paper. Excess fees exist for some retirement type accounts. Just a post or two back (6944) there is a link to TMFPixy's retirment investing basics that will answer a lot of questions.

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