A and B funds are a fun game to play.


Also you want to know who holds your A/B fund. As in Americans case where it is independently held and not by the company. Many times when you retire your investment is linked to the company coffers for eternity.

Then the fund holders of the investments companies many time give you uncheerful options to invest your money into.

As bad as the loss of pensions were to the field at least we seem to have more investment control these days.