Subject: Re: Retirement investing fees and costs
<<There is no greater macroeconomic force at work in America than the amount of skim, scam and fraud the average middle-class family loses to the bipartisan culture of political corruption in the country.>>>>

very well put! Couldn't agree more. It is so large and so mundane in plain sight and thus never seen for what it is. I started a thread on 401K contribution limits - a "captured" arrangement versus the IRA, which is largely under the discretion of the consumer. There is something similar in education funding - 529 Plans (captured) versus Educational Savings Account - The contribution limits are ridiculously lopsided towards the fee-rich 529. Large scale stealing.