Retirement experts find that these plans have numerous shortcomings, including high operation costs and low investment returns.What an absurd generalization!Obviously, there is nothing wrong with IRA's or 401k's, per se. The problem has to do with who may be MANAGING the investments WITHIN the IRA or 401k! Where else would you put money? CD's? Maybe some of your money, but all of it. I've managed my own investments, mostly all individual equities within my IRA, for years, and I do pretty well. My only "fees" are to ME, plus the relatively low commissions I pay when I order a buy or sell of any equity.Vermonter
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