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Thank you for all the input so far. I really do appreciate it. I've been thinking about investing in an index fund thru vanguard with the extra $ sitting in the bank. I figure I would leave about 4 months emergency fund then rest into a mutual fund. Does vanguard have a good reputation? BTW, Caat--my portfolio at TIAA-CREF are in 35%stocks, 25% growth, 20%international growth, 10% real estate and 10% traditional annuities. Sound ok?
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