OT - I can't pretend to tell people how to manage their retirement funds. However I do know that every person has the opportunity to manage their own retirement fund should they choose to. Certainly a lot of companies offer IRAs, 401Ks, etc. But you aren't required to be a part of that. I know if I would not intrust another person to manage my money for me in one of these company plans unless I knew what stocks they were going to invest in.
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