Fire Your Agent: You collectively own Citibank. You just pretend you don't.

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Everyone who has a 401 K has participated in the transition from the 'ownership' society to the 'agency society.' Indeed, while many still believe that the American way of investing makes ours an ownership society, Mr. Bogle says we live in an agency society [and have for 50 years], one in which we rely on agents -- mutual fund managers, pension fund managers -- to make our investment choices for us.

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