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that one or this chinese banana farm is better than that one, and if they are going to make me more money than a computer generated exchange traded fund is going to make me, why do i care if i m paying for that privilege? if i m paying for fees an and adviser but beating the market every year, that s nothing wrong with that. no, you re right. but ali, the operative phrase you just said, beating the market every year. most people i know have a time horizon on retirement of they re looking out even myself as a baby boomer, i m looking out, you know, ten or 15 years. most people, you re 35, looking out 40 years, 30, 40 years. what is true, ali is that all the studies show that a mutual fund guy you described going looking at a banana farm wherever, he might do it one year, might do it two years. after five or ten years, the number of people that can keep beating the market continually is less than 10%. i think a takeaway, you don t know what you re paying in fees,

Banana farmAli velshiBaby boomer