intercst said:"One can easily limit the fees and commissions on a $1 million Foolish Four portfolio to less than $100 per year"Your point is well made! Under that circumstance the benefit is clear & meaningful. My point, however, pertained more to purchase of mutual funds rather than direct stock purchase - the small/beginning investor lacks sufficient capital to enjoy reduced brokerage fees & diversify holdings.As for annuities... I haven't run into a client with a $1 million portfolio yet, and I don't think that promoting an annuity would be my first thought!Thanks for your opinion. Regards, PP
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