You bring up a good point. When it comes to investing, most people don't have a clue what they are doing. This in my opinion is the biggest problem with the mo

You bring up a good point. When it comes to investing, most people don't have a clue what they are doing. This in my opinion is the biggest problem with the move from a defined benefit to a defined contribution retirement scheme. It took the investing out of the hands of the people that knew what they were doing. Along those lines it really grinds my gears how the financial industry is ripping off people who are saving for retirement. Most 401k plans I've seen have incredibly high fees with a few investments that charge equally as high of fee. Especially those at small companies.