Agree @PeregrineCapital, you're paying egregious management fees for what they are currently providing. Most people could figure out how to buy SDR and sit on a pile of cash themselves.

I think you may be onto something with your cynical view of why things are how they are atm.

Excellent point @PeregrineCapital, I should have pointed that out.

Reminds me of the Mungerism -- "Never, ever, think about something else when you should be thinking about the power of incentives."