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Thank you. I know 403bwise and it IS very informative. I will have to ask if there is a different consideration for money mkt. contributions.  I think, from my last conversation with the rep, that the provider won't let me transfer anything without paying at the door. Yes, that 5% goes away...

Thanks to you both. I will check out the Bogle article. Alec, thanks for further clarification. I should clarify my use of the term "rep." I'm referring to the 403(b) rep. and the stock funds would be for the 403(b). Turns out the funds are not front-loaded, but do have high costs for m&e (plus...

Thanks much for helping with my learning curve! RE: "I'd probably keep bonds, REITs, and other tax inefficient funds in the 403(b) and Roth as much as possible..." I'm assuming that "other tax inefficient funds" includes "most mutual funds" that are "not tax-efficient at all." ? I would rather...

. Re: Information Overload Thanks again to ALL. I really appreciate your input. Re: tax in/effecient investing: If I've maxed out my 403B and have a Roth, how do I invest in funds that keep my tax profile low? Don't all funds, unless bonds, have the potential for capital gains? I WILL do my...

Okay, wait a second. I just got off the phone with another E. Jones rep who told me that I don't save anything in fees by investing in no-load funds because of all their "middle" fees which she says I can find listed in "operating expenses" in the prospectus. She says that front-load funds are...

Thanks all. Yes, intellectually I know that there isn't a "right" answer (but that doesn't stop me from acting as if there is one!) I do think there are "smarter" choices and you all are speaking to that. I've heard feedback online from cfp's who've talked about tax consequences and cash flow...

New here, good site. Definately an example of "ANALYSIS PARALYSIS" but would still like your input. I'm torn between getting a new financial advisor (meeting with an Edward Jones rep next week) and going the diversify with Vanguard route. The more I read online and in books, the more stymied I...