Don't mistake fancy marketing for professionalism. Crypto20's whitepaper is by far the best whitepaper I've seen (https://static.crypto20.com/pdf/c20-whitepaper.pdf). The level of detail and actual real world data science backing up their index fund decisions sold it for me. ICONOMI has layers of fees for the platform, fund managers, etc. You know the traditional financial markets have decades of data and expensive fund managers and data analysts, billions in funding, and still and it's been proven that index funds have beaten the average managed funds since their inception (of course I mean after the fees the managers take, the investor's returns are way less than if they had just invested in the index). It's crazy, after really reading about index funds vs managed funds, I am totally unconvinced that any human can beat the simple act of following the index.