Over the last few decades Americans have become responsible for accumulating enough money to support their own retirement. We know that deciding how much money to contribute to 401(k)s and IRAs is pivotal to ensuring an adequate nest egg when retirement approaches. Less well known is the fact that the specific investment choices we make – active versus passive management, for example – can be another defining variable in the likelihood of success.

This New York Times article discusses the math behind some of these choices and suggests that “Wall Street is bleeding savers dry.”