You're paying someone to beat the market. The market keeps winning

Over 15 years, S&P's SPIVA scorecard found zero of 22 US equity fund categories where a majority of active managers beat their index — and in 2025, about 80% of active large-cap funds underperformed the S&P 500. Outperformance tends to be luck, not skill. Meanwhile active funds often charge ~1% vs ~0.03% for an index fund, a gap that compounds into tens of thousands over time. Check one number: your fund's expense ratio. (Educational, not financial advice.) #Shorts #investing #indexfunds #personalfinance #401k

Added 9 Jul 2026