In case you didn't know, most investment decisions are made by advertising or access. If you step into a large bank, they'll tend to get a cut on each fund the

In case you didn't know, most investment decisions are made by advertising or access. If you step into a large bank, they'll tend to get a cut on each fund they sell you -- whether that is a good fund or a bad. Often these funds are also run by the bank, and they charge excessive fees for managing.