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The people who manage your retirement fund are doing a horrendous job (JCOM, CVCO, SPX, SPY, GSPC)

It's been a rough year for mutual funds. Goldman Sachs' equity strategists on Wednesday published an in-depth look into the year-to-date performance of 435 mutual funds that collectively oversee $1.5 trillion in assets. Even after a stock-market rebound to all-time highs in the third quarter, most mutual funds, which manage various pools of money from 401K plans to college endowments, still lag their benchmarks.
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