Hi Andy. We use a SIMPLE IRA through Vanguard. Vanguard has pretty low rates and its funds seem to rank well. They have twice closed a fund just as I was about to invest in it, which is no doubt a coincidence, but is the only thing about which I object to working with them. The equation of fees vs return can get complicated though for a programmer or Excel user, it might prove an interesting task. If you have a significant chunk of money to work with, a fee-only planner might prove useful. We have done programming work for Eva Thomson of Thomson Financial Management and she is one of the few planners we're worked for in the past 20 years that has impressed me. You could probably do a quick and dirty comparison of T. Rowe Price and Vanguard in short order to see how they would stack up. My guess is that you can shave some fees and get a higher return, but is it worth the time and trouble if you're not interested in investing for its own sake? Don Lesser Pioneer Training, Inc. 139B Damon Road, Ste 8 Northampton, MA 01060 (413) 387-1040 (413) 586-0545 (fax) dlesser at ptraining.com www.ptraining.com -----Original Message----- From: hidden-discuss-bounces at lists.hidden-tech.net [mailto:hidden-discuss-bounces at lists.hidden-tech.net] On Behalf Of Andy Klapper Sent: Tuesday, May 28, 2013 8:39 AM To: hidden-discuss at lists.hidden-tech.net Subject: [Hidden-tech] Personal 401k plans ** Be sure to fill out the survey/skills inventory in the member's area. ** If you did, we all thank you.