The latest hot investing craze, thematic funds, are actually a recycled old idea, sector funds. As with any other attempt to nbeat the market, we found that "thematic" fund investors actually for worse than the funds themselves. Individual investors continue to prove thatm overall, the market is typically unbeatable. Plus, we show you how to find the best 403b plans.Listeners ask:

Is a cheaper price per share ETF better than a pricier one?

How much should be withdrawn from a retirement plan?

Does someone with no dependents need a million dollar term life policy?

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