Index Funds Explained: What You Own and What It Costs
You are not trying to beat the market. You are trying to own it cheaply and not interrupt it.
You are not trying to beat the market. You are trying to own it cheaply and not interrupt it.
Same underlying holdings, different plumbing. The plumbing matters mainly in taxable accounts.
You cannot control returns. You can control costs, and over decades they are worth more than most investment decisions.
For most people a single low-cost target-date fund beats a portfolio they built and stopped maintaining.