Any of you guys invest on your own with Fidelity, Vanguard or any others? If so, what do you think about it? I have most of mine with EJ and am getting tired of the fees and such. Just wondering if there is a better alternative. They returned 16% last year which is good but my Merrill Lynch 401k at work that I manage returned 28%. Seems to me that since I am paying them a good sum of money each year cause they are "professionals", that they should be out performing me but they don't. That's why I am wanting to change but am a little leery of it cause it would be all online and it just seems different and not as safe for some reason.