The Mutual Fund Swap | The Big Picture: " . . . This new fund earns him a cool 5.75% of what is left. How can he do this you say? Because his compliance officer is not really going to bat an eye because he is not taking you from one 5.75% mutual fund to another, instead it is a totally different product he is switching you out of. Awesome, you are that much closer to being ready for your golden retirement now! This sort of crap goes on every single day, all day, across this country . . ."