Loading ...I’m not sure I understand what they are doing if there is no difference. Like they are keeping the profits for themselves and locking you into a certain amount or giving it to others.
Unless they are not being honest with your money or what they’re doing with it in other words. Each person should be able to log in and see their transactions and balances. If they’re managing it and use what resources to choose I can see why certain trading or choices shouldn’t be allowed with a retirement account but for building wealth and making the money work for you to make more money..Perhaps as you get older if run well safer options to prevent loss you don’t have time to get back. But you should be able to see the transactions and how much you have.
There is the kind of people that will revolve around their spending on how much money they make. The more money the more they spend and don’t save or invest. These days they can’t because of inflation.
The government is worse. They not only base their spending on what other people make making things up by lobbies as no consequence to them, but borrow money they don’t have without your permission and send the bill to you and call it a tax. To what, show off to the rest of the world how much money they have and how foolish they are with it like that movie Dumb and Dumber until they run out of other people’s money and leave you with a pile of IOUs. Who manages them?