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In the beginning, the 401(k) world was easy and fun. Its movement away from the shackles of company-controlled pension and profit sharing plans allowed employees to make simple choices between three obviously different investment options. It was not unlike a three-ring circus. Everyone wanted to go to the 401(k) and everyone had a great time once they got there. They didn’t need to memorize reams of investment theory, they just needed an ounce of common sense.

Christopher Carosa


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