So I have managed to narrow down my mutual funds to 13 from Fidelity. I need to narrow it down to just four for Marsha and I to put in out 403 (B). Retirement plans in the US are "hella (stupid East Bay word that all of northern California now uses)" confusing between 403 (b)s if your company is non profit, 401 (k)s if they are for profit, IRAs and Tax Deffered Annuitys (which might be the same I am not sure). In Canada it is simple, RRSPs ( and RESPs for your kids education) and that is it. Simple