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RE: ScaredyCatGuide to Investing - One Simple Way To Increase Your Retirement Nest Egg
It can be even better than this. I found this really neat tabulation of the 100 lowest cost (US based ETFs) which shows costs below 0.1% - so you can almost double the savings you have shown in your calculations. Now these funds are from reputable suppliers who are going to be around for the long haul. And they cover a wide range of investment ideas.
A small sample of the cheapest and here is the link
http://etfdb.com/compare/lowest-expense-ratio/
Readers do need to be aware that they have to pay the spread when they buy and sell and trading costs. In the US these are generally very low and very competitive. There is also credit risk - choose funds from well established suppliers
Yes, these days you can really grind the fees to practically nothing assuming you are not limited to select funds like in the case of some 401(k) plans. Thank you for putting the additional info in the thread.