The stock market thought
If your saving for retirement thru the stock market your not in control of your money, Yes you may be able to log in and move money and such but your not in control. As the market moves up and down You dont control that function, and as you retire.. a down move can and will wipe a portion of your portfolio out. If your money is that important to you why would you let someone else Value it more or less? Just a thought.