On past shows, Merlin has talked about the importance of knowing EXACTLY what you are invested in, in all accounts. On this show, he challenges listeners to be proactive and find out exactly what they are holding in their 401k’s, IRA’s, SEP accounts etc… Then make a list of your investments and find out exactly what the fees are. Paul Orme joins the show to talk about what the average person can do to increase their rate of return, and diversify according to their own risk profile. Later, Paul talks about the new Pimco bond ETF and how that might benefit your portfolio.