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Question: I know target-date retirement funds have management fees, but they buy other funds (which have their own management fees). So how can I tell the total amount I'm being charged? --Lee Gehrmann, Long Neck, Del.

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When you stash your cash away, you probably don't give that much thought to the risks involved. After all, it's safe, liquid cash - not shares of Lehman Brothers.

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US $24.99 End Date: Friday May-08-2009 20:05:00 PDT Buy It Now for only: US $24.99 Buy it now | Add to watch list

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US $44.97 End Date: Friday May-08-2009 14:35:15 PDT Buy It Now for only: US $44.97 Buy it now | Add to watch list

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US $44.97 End Date: Friday May-08-2009 14:35:15 PDT Buy It Now for only: US $44.97 Buy it now | Add to watch list

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US $6.98 End Date: Wednesday May-06-2009 15:18:48 PDT Buy It Now for only: US $6.98 Buy it now | Add to watch list

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How bad is this bear market? Out of thousands of offerings, only one mutual fund focusing on U.S. stocks is up this year. You read that right - one!

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