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[quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous]Why all the Vanguard boosters?[/quote]

Because unless you know something the market doesn't, index funds are the way forward. And if you choose index funds, lowest fees are the most important factor in determining returns over the long term. Of all the financial services firms, Vanguard have the lowest cost structure and hence the lowest fees.[/quote]

As I noted above, index funds are very good but can have serious downsides in a down market (you are diversified but not protected) ... if you can find a decent advisory source some actively managed funds can help you do better than index funds with no more risk, and you don't have to become a genius.  I mentioned the one I use, which has done very well as finding alternatives/analogs to the diversification in the index funds, with better return and less risk in many cases.

But if you want to set & forget and understand that index funds can still have some real downside risk, too, they are a worthwhile choice.[/quote]

This sounds like gobbledygook to me. Index funds track the market.  The market goes up and down. At any given point there will be a managed fund that loses less (or more) or gains more (or less) than an index fund, but the point is that there is no way of identifying those funds in advance. The research I am aware of shows that index funds outperform 80% or more of managed funds-- consistently in up and down markets. [/quote]

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