J, Retail of course, he pioneered no load and low fee funds, with the fundamental goal of diversification and bringing maximum value to the average joe, over the long term.

Vanguard is in my backyard, and I have several friends who work and have worked there, including the guy who manages (or possibly managed) more money than anyone else on Earth.

It is an outstanding organization and the people are top notch. They don't pay to the scale of the industry, but there is job security and loyalty, and what is so often discounted today, the focus on the welfare of the investor.

Skeepinitreal