My regular job is not in finance but rather in nursing, and I have spent the last few weeks helping my co-workers with their retirement accounts, choosing smarter investments for them and, more importantly, explaining what it is that they own. I believe that everyone should know what their money is in, and “traditional” methods of over-diversifying into mutual funds made up of even more mutual funds with weird names and high fees is incredibly common with the limited options of many retirement plans. Many of my co-workers have complained to me that their efforts