If you run the numbers, they don't make any sense. And yet a lot of people love it when they get a refund. We don't always behave in the most logical way.
When you add personal psyche into the equation, you find that some people like the fact that they bought a whole package, it's tax deferred and it's growing. Are the fees worth it? I don't know.
Much of what we do is for people who like to make their own decisions, who want validation of their own thinking.
