Unless you plan on creating a large portfolio - IMHO - they are not worth it. The training, the forms, the high level of maintenance required, the information reporting requirements, etc. out weigh any profits. However, if you want to round out your product offering with a loss leader - that is another issue. Typically, regardless of what many people claim, most accounts are funded then drawn down over the course of the year and few accounts result in any significant on-going balances.
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