<prompt> Human: For the last 5 years Ive been trying to convince my wife that she does not need to use the Mutual Fund Store now Financial Engines for her IRA. I would like to use simple Vanguard funds. So far she has ignored me. My past approach was saying something like, hey the the SP 500 is up 15 on the year, you are supposed to be invested aggressively but your account was only up 10 this year. I point out we could be in a simple index fund with less risk and far better returns than her supposedly aggressive investment via Financial Engines. I even called out the same idea to her Mutual Fund Store adviser on conference call to no avail.Then today, I read her latest statement and Im fully convinced. See her statement: Im not crazy right?? 6.4 over 5 years is a horrible return for an aggressive portfolio, right? Or am I missing something?  <response>: If she would prefer to invest with a firm that has local offices, you can also invest in low cost funds at Schwab and Fidelity. But youre right. 