Another ratio is LDL/HDL. The LDL/HDL ratio is actually a purer ratio than total cholesterol/HDL, because LDL is a measure of bad' cholesterol and HDL is a measure of good cholesterol, whereas the total cholesterol is the sum of HDL, LDL, and the VLDL.
Possibly, but state plans really set the bar for professionally managed retirement accounts. Over time, research has shown, IRAs and 401k funds fall far short of the assumptions of state plans. From 1998 to 2007, the average annual returns for IRAs were 4.5 percent, compared with 5.4 percent for 401ks. IRA holders often pay fees that can be two to three times higher than the fees paid by employee benefit plan participants.
What is an IRA? There are two main types of IRAs (Individual Retirement Accounts): the Traditional IRA and the Roth IRA. Traditional IRA. A traditional IRA is very similar to a 401k. With a Traditional IRA, you can contribute up to $5,000 a year ($6,000 if age is 60 or older) as long as your salary is below a certain amount (see table below). The money is contributed tax free just like a 401k (subject to limitations).