Vanguard funds

Fidelity Investments says 401(k) loan and hardship withdrawals are rising. But instead of offering costly, actively managed funds, Fidelity could take the lead in reforming a system that primarily benefits mutual fund families and plan advisers.

Finance expert Dan Solin has a simple gripe with CNBC's Jim Cramer: The Mad Money host acts like he has some special insight into the markets that is of value to investors, despite clear evidence that he doesn't. So how can you get better returns than Cramer? Read on.