You got me hooked ! Reading these on my way to work.
Working in the financial sector but with institutions, I hate to see some people get tricked. I help my entire family to not get scam by plans with crazy fees. Honestly, I tell them, except if you can know a good fund manager, buy an ETF, low fees and no surprise, you will do the benchmark
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Glad to hear that you're one of the good guys! Hopefully I can give you a little new info which you may not have heard before. Thanks for reading!