@fanfare
Your nitpicking serves no purpose. The point I was making is that investments in a 403(b) are often less expensive than a private IRA because the employer has access to funds with lower expense ratios. You have more flexibility in your investments in an IRA, but you likely pay higher expense ratios or even front end loads. Those expense ratios come out of your bottom line, and if you don’t realize that at least some of that money ends up in the pockets of the broker, you aren’t paying attention.
