For the record, I feel like pretty much every financial management company is a total ripoff. 90% of them couldn't pick stocks or bonds better than the average person and then they charge you a premium whether you make money or not.

I've been forced to be with Fidelity for about 10 years through a retirement plan with my employer and I have earned a return of about 2% per year over that time. Perhaps some of you might think this is good considering the economic times, but for me that is a terrible return on my money.

Even though my employer stopped contributing to this fund roughly 8 years ago and I have not put anything in the fund ever, they refuse to close my account until I quit my job so they basically have my money held prisoner to poor returns for the foreseeable future.

One thing that is nice about Fidelity though is that you have the choice of switching plans on your own accord. The problem though is that none of their funds have good returns over any significant period of time so it's pretty much a crap shoot if you make money with them or not.

Fidelity is basically a savings account for my money and should not be considered for anyone looking for a meaningful return on their money. If you want a safe place to store your money for a long period of time though then perhaps this is the place for you.