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Well for me it's an issue with my company and what they allow you to do in Fidelity. I have two accounts one 403b and one 401k. After some poking around, I was limited to some Fidelity funds. Invested in FSELX in my 403b and FSPCX in my 401k. Not sure I'm making any money in them even with what I put in each paycheck and the company match but supposed to be decent funds. Not sure when the heck they payout perhaps every 6 months which is annoying to wait on.