Quote:
Originally Posted by Slava
I opened a new credit card through a new bank and they wanted to run me through a retirement discussion to get my online banking setup. Literally any bank will have this conversation with you.
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Every time I go to my bank (usually only if I need a draft or to modify a mortgage) they try to sell me one of two things:
A personal unsecured loan at a rate approximately double the rate they can see I have on my unused HELOC
A mutual fund that will structurally underperform due to institutional imperatives in management and high fees.
I think both would be equally hazardous to my financial health.