> The people in charge of deploying this money should negotiate better terms Indeed. Yet even those people are making good incomes for horrible decisions. As t

> The people in charge of deploying this money should negotiate better terms Indeed. Yet even those people are making good incomes for horrible decisions. As the author said, even his kid's 529 outperforms this nonsense. Making money when the market is up (over the period under discussion) should be a given. That it's not means everyone involved should be fired.