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The major lesson to be learned is become your own financial planner. Do not trust insurance salespeople, so-called 'financial planners' or brokers. Creating you own retirement plan is very simple and if you do it yourself, you will have much, much more money when you retire.
Notice the fee paid in the "better" example in the article
is .5 %.
You can easily reduce this to less than .2% and have
1) virtually ALL your money invested with one of the very best three or four institutions in the business, and have it
2) working for you, not lining the pockets of some 'planner!'
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