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<p>Is there a big difference between investment companies (Investors group, merrill lynch, Edward Jones) and what a bank can do for you?  Do the investment company people get any actual real training?   I see ads for these positions on job sites all the time.  Now maybe they get applicants from other investment companies, but the ads sure make it sound like anybody can start a career in financial planning with no business/banking knowledge.</p>
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<p>I'm thinking about taking my small amount of invested money back to a bank as I it sure doesn't seem to be growing, even though I'm working my tail off to put in money every month, and it just goes down, sometimes more than the amount I put in in.  I can only say "well my statement was probably printed the day after that downward dip last month" so many times before I really begin to wonder if there is any point.</p>
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<p>My little Tax Free savings account has made more money in interest than the investments that I've put money in for the past year.</p>
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<p>I think I see a shopping cart in my retirement and it scares the heck out of me.</p>
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