I've got a mutual fund my parents set up for me when I was a wee little boy, and while I was still in college they wouldn't let me transfer those funds into my own account. Now that I'm out of college my father not only says I can, but actually encourages me to take on that capital and put it into my own trading account. I didn't even have to ask.
Damnit. What the fuck difference does it make? I could have shorted the market into oblivion in 2008.
ROR = probably -10%.
Ugh.