Are these fees and costs squandering your returns?
Investors cannot control the markets, but they can control what they pay to invest. The lower your cost, the greater is your share of investment return. Market timing calls, frequent changes to your portfolio, and other conventional strategies generate high fees and frequent commissions that squander returns. And research has actually shown that disciplined investing with lower cost investments, like a globally diverse portfolio of index or asset mutual funds, has in the long run outperformed conventional, speculative strategies.