It doesn't matter if you're young and just starting to save for retirement or if retirement is on the horizon for you-you need to ask yourself this: Is your IRA performing the way you want it to? Are you getting the maximum returns? Do you want more control over your investments? If you answered no to one or more of these questions, you have two important issues to consider. One, building your retirement account so you have the principal necessary to generate sufficient retirement income. And two, managing the assets in your retirement account so that you get the returns you want. This is too...