After reading about saving for retirement, this year I started a roth IRA (I have had a 403b for a while and will get a pension + social security too). I've been putting in $200 per month since April. When consulting with the company before opening it, they told me their fee structure, but said that even with the fee, the funds are getting 7 - 10% returns each year. I checked my roth balance for the first time today, and see I am DOWN almost 11% since I have been contributing. Looking into it, t
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