<prompt> Human: Hey, i have a question for you guys, my dad this year put his pension in the hands of his insurance company into their highest returns investment plan to see how it affected it. The pension contains roughly 500,000 but we have only seen a growth of 249. Does this make any sense? He is also talking about taking early retirement or something similar as he is just running a couple small businesses he would keep doing and thinks he could invest it better, would this be a better idea?Im only 18 and dont understand too much about all that sort of stuffEdit: apparently the money is stuck in the pension fund and cannot be withdrawn early in its entirety Assistant: Does this make any sense?Sure. You left your money in the hands of a life insurance company, and they probably took advantage of you. Its what LI companies do. The right course was to roll the money into a couple of total market index funds at Vanguard. Human: Well theyre actually mainly one of the big reinsurance firms and also the ones who do a lot of all the insurance and pensions for Bermuda, but any way you can explain this that sounds less like a Vanguard ad?  <response>: Hes not saying vanguard because its an ad, hes saying vanguard because its literally the easiest and best option. Fidelity works too. 