As it turns out, 2019 was a pretty great year for front-loading my 403(b) account. My low-cost VIIIX (Vanguard Institutional Index Fund Institutional Plus Shares) fund generally tracks the performance of the Standard & Poor’s 500 Index. The S&P 500 returned just over 30% in 2019. Thus, VIIIX put up a very similar return for 2019. On 12/31/2018 VIIIX was worth $227.57 per share and by 12/31/2019 is was worth $290.25 per share. That’s a...