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As an employer, I think you'd be wise to offer your employees some choices when it comes to their money. For example, allow them to put their money into an index ETF like SPY or whatever. And, allow them to continue under your management. But, let them choose. If you keep managing the pool of money and don't allow them some choices, you could be held responsible for less than market returns in the future. Better to allow the employee choices and then they are accountable for their choice, not you.

I'm glad somebody said this. One kooky former employee already illustrates the risk...
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