 And then also fees. Fees eat away at your return. You want to make sure you're not paying too much in fees. So the first thing is allocation. Depending on what your time horizon is for the need of the money, you want to make sure that you have the appropriate allocation stocks to bonds. And there's the Money Minute. Join us every Saturday night from 6 to 8 right here on WBZ or call 1-800-908-9334.