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James Millar
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I think you should list the selection criteria and rank each option against. The main criteria you seem to have referenced is (a) cost and (b) level of service being managed or unmanaged. (The investment mix should be offered by all solutions).

Given the significance of the matter at hand (your retirement savings), making a decision based primarily on cost is not advisable. Unmanaged is exactly that. Do you really want an unmanaged nest egg.

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