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I'm sure foresters is just the broker dealer so is cetera...underlying investments based on the securities underlying, mutual funds, stocks, it's, REITs, etc
I've seen a lot...if you have the time horizon, use a low cost s&p500 index fund, most mutual funds can't outperform them, typical expense ratios of less than 10 basis points, where you'll see actively traded mutual funds at 1-3% per year!
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