So what's the best worst (or worst best) retirement planning strategy we've heard of in a long time?

The L.A. Times recently profiled the most aggressive trend in what I guess you could call intensely self-managed retirement accounts, that being people who've opted to day-trade with their retirement savings.

There's quite a range of investment styles, the article explains, and while many people are at long last taking notice of what's going on in their 401(k) statements – soon to be laden with fee disclosure statements – all that clarity also means many folks have realized they might be better off doing the investing work themselves.

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