Wealth Building Made Easy: Using Low Cost, High Return ETFs teaches a low-risk way investors can outperform high-cost mutual funds by choosing the superior design of ETFs. By making that choice, investors can immediately improve their net returns. In fact, some even double the returns compared to similar high-cost mutual funds. The lesson highlights the cost advantages of ETFs. Additionally, it demonstrates how reinvesting the higher returns each year can significantly enhance future wealth-building and portfolio growth.
What You Learn From Wealth Building Made Easy: Using Low Cost, High Return ETFs
This lesson covers cost control as a basic investment truth for wealth building made easy! Investors can choose low costs or low returns! By keeping costs low, investors improve returns. We cover the cost advantage of switching a mutual fund investment to a lower-cost ETF. That resulting cost difference can significantly improve investment performance. Links at the end guide you to related content if you want to learn more. The lesson covers the following points,
Frequently Asked Questions About Wealth Building Made Easy: Using Low Cost, High Return ETFs
Investors want to know about ETFs and mutual funds and how low cost can double returns. The questions and answers do have overlap which helps investors understand how they fit within the overall topic. Following are the most frequently asked questions with answers about ETFs and mutual funds.
Why do investors buy mutual funds?
Salespeople, including financial advisors, promote mutual funds to collect high commissions and recurring annual fees. At the same time, lower-cost ETFs offer superior returns to investors.Specifically, ETFs are designed for stock exchange listing and use efficient technology to lower costs and increase investor returns. As a result, mutual fund investors to immediately improve returns by switching to ETFs.
Unfortunately, advisors prioritizing their financial gain over their clients' best interests continue pushing mutual funds. Therefore, anyone suffering such abuse can improve their financial future by switching to ETFs.
What is better, an ETF or a similar mutual fund?
ETF investors benefit from the cost efficiencies of a modern fund structure. That better design produces lower costs giving investors better returns, tax advantages, lower fees, and lower expense ratios.
However, the higher and recurring commissions and fees of mutual funds motivate many financial advisors to recommend them instead of lower-cost ETFs. The cost difference comes from investors' pockets.
Switching to a comparable ETF avoids all those cost differences, immediately producing better returns.
What funds go up when the market goes down?
From passive gold investing to leveraging inverse ETFs, many hedging options, such as bond and hedge funds, gain value when stocks decline, including commodity funds and numerous ETFs. Nonetheless, acquiring the necessary knowledge is crucial to successful hedging.
A well-executed hedge can yield significant benefits, but an inappropriate or poorly implemented one can lead to financial disaster. Hedging is a multifaceted and intricate art that only a few master. Success relies more on intuition than mere facts or skills. So while many can talk, only a few consistently deliver good outcomes.
The most common hedges are U.S. Treasuries or short-selling declining stocks, sectors, markets, or commodities.
What is better, an index fund or an ETF?
Index funds can be mutual funds or ETFs. The most significant difference is that ETF advantages put more returns in investors' pockets.
ETFs have an edge in tax efficiency. Some mutual funds can deliver tax obligations to investors for gains they never see.
ETFs, designed for modern markets and technology, give investors administrative and sales cost advantages that put more returns in their pockets.
As well, the ETF designed works as a stock market listing and are easier to trade.
Mutual funds continue using expensive sales and management structures that investors pay for. But they pay higher and recurring fees to sales staff. As a result, many advisors continue to push mutual funds than recommend lower-cost, higher-returning ETFs.
What is the best ETF?
The best ETF for an investor depends on various factors, including their investment goals, risk tolerance, financial strategy, market conditions, and investment opportunities that change over time.
Fortunately, ETFs are available for almost any purpose; for example, an S&P 500 Index tracking ETF can be a simple one-investment portfolio. Alternatively, investors can ETFs that align with their preferences for virtually any market, economic sector, business type, commodity, or investment strategy.
To find the best ETF, investors should begin by researching and writing a goal-oriented investment plan, ultimately selecting the lowest-cost ETF that aligns with those goals.
Are ETFs better than mutual funds?
Compared to mutual funds, ETFs have cost advantages that produce better returns. That allows mutual fund investors to lower their costs and get a better return on their investment. ETFs are also more liquid and offer better tax efficiency than mutual funds.
From their beginning, the design of ETFs had built-in management and sales cost advantages and a stock market listing structure. Those advantages deliver better investor returns!
In contrast, mutual funds have outdated, costly sales and management structures.
Advisors push mutual funds to earn those high and recurring fees. But that difference gets picked from investors' pockets, producing lower returns.
Investors wanting to build wealth faster can get better returns by switching to ETFs.
Are mutual funds poor investments?
Mutual funds, designed for an era of paper transactions and face-to-face sales, carry high sales, management, and administration costs.
In contrast, ETFs designed for stock exchange listings can take advantage of modern market technology for lower costs, more liquidity, better tax efficiency, and, most significantly, increased investor returns.
While advisors and financial companies actively promote mutual funds—mainly because they earn significant commissions for doing so—these high costs can reduce investor returns compared to ETFs. As a result, most mutual funds have a long history of underperforming the market, leading to lower net returns for investors.
So investors that switch to ETFs can immediately lower costs and significantly improve their bottom line by as much as 100%!
How can ETF returns beat mutual funds?
Due to their modern digital technology design, ETFs offer better investment returns than mutual funds. As a result, their sales and administration systems have significant cost advantages, leading to better net returns.
In contrast, mutual funds use an outdated design better suited for face-to-face sales and paper records. The expensive differences impact management, transaction, exchange, and records costs. In addition, ETFs are more liquid, easy to trade, and tax-efficient.
By switching to comparable ETFs, investors have the potential to double their returns compared to mutual funds.
Can low-cost ETFs double returns over mutual funds?
Investors have the potential to double their investment returns by switching from low-return mutual funds to low-cost ETFs! The difference in investment returns between the two options is due to the costs.
ETFs have efficient structures designed for stock market listing, which lowers sales and management costs. In contrast, mutual funds were designed for paper record-keeping before the electricity era and have higher and recurring management and sales fees.
By switching to ETFs, investors can avoid or reduce these charges and may collect double the returns!
Why do advisors push mutual funds over less costly funds?
Advisors collect higher fees by selling mutual funds over less costly funds like ETFs. The difference comes out of the investor's pockets. Whether mutual funds perform well or poorly, advisors receive commissions, charge annual fees, and collect management fees for their firms. In that scheme, everybody wins except the investor.
Many advisors prioritize their financial gain over clients by loading accounts with mutual funds to collect the high recurring and exit fees. That is never in the client's best interest.
Investors holding mutual funds that switch to cost-efficient ETFs avoid double-dipping mutual fund fees and collect higher returns.
Do managed funds outperform index funds?
Index funds regularly perform better than managed funds due to their lower fees and consistent returns. While index funds track the market or a specific index, managed funds attempt to outperform markets or sector-tracking indexes.
Managed funds justify their significantly higher fees for that commitment to outperform. But even with the outstanding performance of great years included, managed funds have spotty long cycle records. Very few deliver on the outperform promise, and none consistently outperform market index tracking funds.
That mediocre performance record means investors get better returns with low-cost index funds. Opting for low-cost alternatives can double investor returns compared to many mutual funds.
ETFs vs. Mutual Funds: A Comprehensive Comparison For Wealth Building Made Easy: Using Low Cost, High Return ETFs
When deciding between ETFs and mutual funds, it's essential to understand the key differences, benefits, and drawbacks of each. Both investment vehicles can offer diversification and professional management, but they have unique features that may make one more suitable for your needs.
1 Structure and Trading For Wealth-Building Using ETFs
ETF Structure and Trading
Designed as up-to-date digital products for low-cost efficiency.
Structure: ETFs are traded on stock exchanges and can be bought and sold throughout the trading day at market prices.
Trading: ETFs trade like stocks, allowing intraday trading, short selling, and buying on margin.
Pricing: The price of an ETF fluctuates during the day based on supply and demand.
Mutual Funds Structure and Trading
Mutual funds are a financial product designed for the paper era with dated, expensive sales, administration, and management structures.
Structure: Mutual funds are purchased directly from the fund company at the end of the trading day.
Trading: Generally, mutual funds do not trade on exchanges and are bought and sold at the end of the day net asset value (NAV) or the value of all the holdings in the fund.
Pricing: The price is calculated once daily, based on the closing prices of the securities in the fund's portfolio.
2 Cost and Fees For Wealth-Building Using ETFs
ETF Cost and Fees
Structured for low-cost trading, administration, sales, and management.
Expense Ratios: ETFs generally have lower expense ratios than mutual funds, especially for actively managed funds.
Trading Costs: Some trade without brokerage commissions and bid-ask spreads when buying and selling.
Management Fees: Fees are typically lower, especially with passive management such as index tracking ETFs.
Mutual Funds Cost and Fees
Multiple hidden or obscured fees and costs produce recurring revenue for sales, management, and financial companies by taking from investors.
Expense Ratios: Often have higher expense ratios, especially for actively managed funds.
Load Fees: Sales charges are called load fees or front-end loads on purchases, and others charge back-end load or exit fees, although some have no load.
Management Fees: Actively managed funds tend to have higher management fees due to active stock picking and research. Mutual funds have layers of sales and management fees.
3 Minimum Investment For Wealth-Building Using ETFs
ETF Minimum Investment
Investment Minimums: None; investors can buy as little as one share.
Fractional Shares: Some brokers sell fractional shares.
Mutual Funds Minimum Investment
Investment Minimums: Minimum investments can range from a few hundred to several thousand dollars.
Additional Investments: Often have minimum requirements.
4 Tax Efficiency For Wealth-Building Using ETFs
ETF Tax Efficiency
Tax Efficiency: Generally more tax-efficient due to their unique structure, which allows for in-kind transactions that minimize capital gains distributions.
Capital Gains: Investors only realize capital gains when they sell their shares.
Mutual Funds Tax Efficiency
Tax Efficiency: Less tax-efficient as they often distribute capital gains to investors at the end of each year that attract taxes even if the investor has not sold any shares.
Capital Gains: Capital distributions stick investors with tax liability.
5 Flexibility and Accessibility For Wealth-Building Using ETFs
ETF Flexibility and Accessibility
Flexibility: Provide flexibility to trade throughout the day, implement strategies like stop-loss orders, and take advantage of market movements.
Accessibility: Easily accessible through most brokerage accounts, with options for various sectors, asset classes, and themes.
Mutual Fund Flexibility and Accessibility
Flexibility: Less flexible due to once-a-day trading, making it harder to respond quickly to market changes.
Accessibility: Widely accessible, often available through retirement accounts and employer-sponsored plans.
6 Investment Strategy From Wealth-Building Using ETFs
ETF Investment Strategy
Strategy: Primarily passively managed, tracking a specific index, although multiple thousands of actively managed ETFs are available.
Transparency: High transparency, with holdings disclosed daily.
Mutual Fund Investment Strategy
Strategy: Passive management is common, although there are significant numbers of actively managed mutual funds.
Transparency: Most disclose holdings quarterly, although some offer more frequent updates.
7 Dividend Reinvestment From Wealth-Building Using ETFs
ETF Dividend Reinvestment
Dividend Reinvestment: Requires manual reinvestment or for the investor to set up a brokerage's dividend reinvestment plan (DRIP).
Mutual Fund Dividend Reinvestment
Dividend Reinvestment: Automatically reinvested into additional fund shares, often without additional cost.
Pros and Cons Summary
ETF Pros and Cons
Pros: Lower expense ratios, tax efficiency, intraday trading, no minimum investment, lower costs equal higher net returns.
Cons: Some have trading costs and are less suitable for frequent trading due to bid-ask spreads.
Mutual Fund Pros and Cons
Pros: Automatic dividend reinvestment and mutual funds are often available in retirement savings plans.
Cons: Higher expense ratios, potential load fees, recurring fees, hidden, obscured, and layered fees, less tax-efficient, once-a-day trading.
Bottom line Consequences for Wealth Building Made Easy: Using Low Cost, High Return ETFs
The choice between ETFs and mutual funds depends on your investment goals, trading preferences, tax considerations, and the fees you're willing to pay. In general, ETFs offer lower costs, greater tax efficiency, increased flexibility in trading, and consequently, higher net returns. Besides, if you wish to reinvest dividend returns automatically, you can set that up with a brokerage account. Additionally, the thousands of ETFs offer comparable holdings and active management comparable to any mutual fund offering. Without question, ETFs provide investors with better net outcomes than mutual funds. Therefore, understanding these differences can help you make a more informed decision that aligns with your investment strategy and financial goals.
Why Advisors May Recommend Mutual Funds Instead of Wealth-Building Using ETFs
Financial advisors may recommend mutual funds over less costly options for several reasons, though it's essential to note that not all advisors do so, and the motivations can vary:
1. Higher Commissions
Some financial advisors recommend mutual funds with higher commissions to maximize their earnings rather than offering clients lower-cost equivalent ETFs.
2. Complexity
Mutual funds offer diversified investment options in a single fund, making them a simple and convenient choice for investors. Advisors may recommend them, although equivalent ETFs are available at lower costs.
3. Perceived Expertise
Advisors may believe professional fund managers who actively manage mutual funds can outperform the market or provide better returns than passive investment options like index funds or ETFs. However, the long-term record repeatedly shows that such outperformance is a myth.
4. Client Preferences
Clients prioritizing familiarity and perceived security can express comfort with mutual funds, which advisors happily accommodate.
5. Lack of Awareness
Often, small investors are unfamiliar with their investment options or the cost difference between mutual funds and ETFs. Rather than providing clients with the necessary information, some advisors benefit themselves by recommending mutual funds over lower-cost ETFs.
6. Relationships with Fund Companies
Financial firm relationships or partnerships with mutual fund companies influence their recommendations through marketing agreements, revenue-sharing arrangements, and financial incentives for advisors.
Ask your advisor questions. Investors must be aware of these potential biases and motivations when receiving investment advice from financial advisors. They should carefully evaluate the costs, performance, and suitability of any investment recommendation and consider seeking advice from multiple sources to ensure they make informed decisions.
Investor Costs Matter to Consider the ETF vs Mutual Fund Returns
Many small investors began investing with mutual funds. They are often startled to learn about the high recurring and trailing costs. Because investors know, high returns need low costs, those many recurring costs harm investment returns.
Unfortunately for investors, most of those costs are obscured or hidden. The overall impact on net investment returns is huge. Most important are the high mutual fund management costs buried in the management expense ratio or MER.
Any financial advisor that puts client capital into a mutual fund puts investor capital to work for them! But, at the investor's expense! But investors can change that.
Virtually every mutual fund has a comparable ETF. And with few exceptions, the ETF carries far lower costs than most mutual funds. But investors make the switch to put the difference in their pocket.
Even better, investors can compound those better returns by continually reinvesting in the markets. Over time, that effort puts significantly more dollars to work building investor wealth.
As a group, ETFs offer huge cost savings over the expenses of comparable mutual funds. That gives mutual fund investors choices. They can switch to ETFs and dramatically improve their returns. For many mutual fund investors, such a switch can make a dramatic difference. Some can more than double their return! It is well worth your time to check it out.
Shocking Management Expense Ratios!
Expenses for both ETFs and mutual funds are expressed as the Management Expense Ratio (MER). MER fees pay management to run the fund. Comparing MERs between ETF and mutual funds shocks many investors! The differences can be dramatic. In very many cases, mutual funds have MERs well above what ETFs charge. And that dramatic difference gets picked from investors' pockets!
The Cost Advantages of ETFs
Some ETF MER costs are below 20 basis points! That is a spectacularly low fee! A basis point is 1/100 of 1% or 0.01%. When compared to a dollar, a basis point is one penny! So under 20 basis points is very low – even cheap!
Technology and Cost Efficiency in ETFs
That happens because technology in our digital age delivers value! Compared to the all too common 2½% MER of too many mutual funds, that difference is an outrageous 1,470.59%! That is over 14 times as much! And that means for every $1.00 in MER fees paid to manage an ETF, the comparable amount for a mutual fund is $14.71!
The Impact of High MERs on Investors
There is no need for investors to put up with that ripoff! By making changes, investors can switch to low-cost ETFs that may double their returns or better! The choice for an investor is clear. But wait! There’s even more!
Additional Costs Beyond the MER
As bad as a high-cost MER sounds, it actually can get worse! Mutual funds have more costs beyond the MER! Costs also include slippage during buying and selling and direct transaction costs like commissions, which are fully passed on to the investor. For ETF buyers, those costs do not have that direct impact.
Slippage and It's Impact on Investment Returns
Put simply, slippage is the difference between the bid and ask price. The details and full discussion would fill a book that is considerably beyond our purpose. So suffice it to say, ETFs are a cost-effective alternative that mutual fund investors should seriously consider.
Low Costs Can Double Investment Returns, A Secret of Wealth Building Made Easy: Using Low Cost, High Return ETFs
Help any friend, parent, or grandparent by telling them about low-cost ETFs. Specifically, if they are mutual fund investors, they can easily make the switch to ETFs. By doing so, they could double the returns compared to what they're currently getting from high-cost mutual funds. Furthermore, mutual fund investors should take a closer at the service provided by their financial advisors. It's important to ask why the advisor placed them in high-cost mutual funds and to consider who truly benefits from these decisions.
The reality is that advisors are well compensated for putting investors in mutual funds and continue to receive payment every year for keeping investors in these funds. Unfortunately, those costs, which could have otherwise gone into the investor's pockets, are lost annually. These are unrecoverable expenses and in my view, represent an ongoing and unjustifiable rip-off.
If you or anyone you care about holds mutual funds, don't hesitate to tip them off. Let them know how they can dramatically improve their returns, and this transformation can happen almost instantly. By planning and taking the action to move to ETFs, they can enjoy the benefits of lower costs and potentially double their returns, or even more! In doing so, you're helping them enhance their potential for significantly better financial outcomes.
Be Outraged But Be Careful When Wealth-Building Using ETFs
When seeking to enjoy low costs double returns and use caution. In fact, a mutual fund holder needs to have quality and objective advice. Don’t just run for the door. You must pay close attention to all costs associated with exiting any fund. In such situations, trailer fees are big cost offenders. Trailer fees are also called deferred sales charges (DSC). They are otherwise obscure costs that can take a big bite of your money! Be sure to take care and put together an exit strategy that works to your advantage. Or at least one that minimizes your costs.
As ever more investors learn about the lower-cost ETF ride, then jump on it! The opportunities and advantages over typical mutual funds will slowly become more common knowledge. But your can help spread the word! Tell your family and friends to also check it out.
As investors get wise to the mutual fund game, more switch. Each year there are more redemptions. Most are switching the funds into ETFs. But there are billions still that have not. It speaks to the tremendous power of mutual fund marketing.
Generally speaking, most basic ETFs are financial vehicles like or similar to a publicly listed mutual fund but with very low costs.
Next, we will touch lightly on the range of other ETFs so you are aware of another large group of offerings. If they are ever suggested to you as an investment, you need an awareness of them. In contrast to the basic ETFs, the aggressively leveraged and advanced ETFs are not for beginners.
Mutual Fund Investors Look At ETFs
Mutual fund investors look at ETFs. Any financial advisor that puts your capital into a mutual fund also makes your capital work for them! At your expense! Any mutual fund investor should look at ETFs for big savings.
Exchange Traded Funds Beat Mutual Funds
Exchange-traded funds, or ETFs are a better choice than mutual funds. If your financial advisor puts you into mutual funds, that service and your account need to be reviewed. Your capital delivers a no-risk and constant return to the advisor and their firm! But what about the investor? They take all the risk and get the leftovers for their return.
Market movement up or down does not matter to the return advisors and their companies get. They are first in line, ahead of the investor who owns the capital! Still, they get their return, every year. No matter what the market does, each year they take a nice slice from investor accounts.
Moving Mutual Funds And ETFs
Anyone who uses mutual funds for their retirement savings needs to check their approach. If you are dealing with a company that offers only one type of investment, such as mutual funds, you need to go to another company. It could certainly be a change that pays you very well.
Switch a mutual fund for ETFs to double investor returns.
You can possibly do far better for yourself, at far lower costs. And yes, you can get at least comparable or perhaps better performance. The big difference, and very significant cost savings compound in your favor.
Go to a company that offers alternatives including Exchange Traded Funds or ETFs. But be careful. If you are, in effect, being held captive by a mutual fund company, you need to carefully look at your alternatives.
Mutual fund companies can make moving very expensive. Get help from a qualified professional advisor. Quality professional financial planners are worth their weight in gold.
With a little effort and determination, you can dramatically improve your returns. Over time making that one change offers possibilities that significantly grow your net worth. Improving net returns can possibly change your retirement comfort for the better. Make the effort to find out.
Mutual Funds, ETFs, And Indexes
You have multiple alternatives to mutual funds. ETFs are the easiest alternative to consider. If the company you deal with offers only mutual funds, they offer only high-cost products. While ETFs are similar to mutual funds, there are important differences. Almost all of those differences favor you with lower costs as compared to mutual funds.
The Key Differences Between Mutual Funds and ETFs
The biggest and most important differences between mutual funds and ETFs are the direct costs you pay. Mutual funds take more of your money and earnings. No matter how the sales rep tries to spin the story, mutual funds, at the end of the day, give you less.
Holding Positions: Mutual Funds vs. ETFs
Both mutual funds and ETFs hold stock positions in multiple companies. Most, but not all funds are holding from 70 to 3,000 different securities. While other discussions will explore investing in so many holdings, this lesson will not. This lesson will remain focused on a straightforward comparison between mutual funds and ETFs with both tracking the same index.
Understanding Indexes and Market Performance
In another discussion, we will explore indexes in greater detail. For this discussion, we accept indexes as indicators of stock market performance. Like stocks, ETFs are listed on stock exchanges. That means they trade throughout the day like any other stock listed on the market. The price moves up and down based on supply and demand.
Trading Differences: ETFs vs. Mutual Funds
In contrast, mutual funds trade only at the end of the day. Their price gets set at the net asset value price (NAV). NAV is the simple mathematical total of all the prices of all holdings in the fund at the closing price of the shares held in the fund that day.
Cost Efficiency of ETFs
Mutual funds typically have management fees, sales loads, and investment minimums. ETF costs are a small fraction of those totals. As products of the digital age, ETF's structure works with markets as they exist today. The operating costs of ETFs are minimal.
Some investors double their bottom line returns when they switch a high-cost mutual fund for an ETF.
The Innovative ETF
The first ETF was a Canadian creation in 1990, designed as a financial product that took full advantage of the low costs of digital markets and current business and market technology. Subsequently, from this initial index tracker, the ETF market expanded rapidly to span every market. As a result, virtually all markets and components are now covered with thousands of ETF product offerings.
In contrast, in 1774, the first mutual fund emerged from the Netherlands. As products of their time, these mutual funds evolved alongside trading developments but have largely remained mired in old thinking, burdened by outdated administration. Consequently, their obsolete sales, distribution, and administrative structures place them at a significant cost disadvantage. Unfortunately, mutual fund holders are the ones who end up covering these costs.
Mutual funds simply have an uncompetitive business model and structure. However, the industry vigorously resists transparently exposing this to consumers. So the costly financial differences remain obscure but continue coming directly from the pockets of investors.
It is well worth your while figuring out how to extract yourself from that very expensive and obsolete matrix. Investors considering ETFs as an alternative to mutual funds realize high costs take a large bite of their wealth. Do your homework on this to directly change your future wealth prospects for the better.
Key Takeaways From Lesson,
Wealth Building Made Easy: Using Low Cost, High Return ETFs
Choose low costs over low returns for greater profits for investors who manage costs well. Low costs can double returns for ETF investors over mutual fund returns!
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Time to invest or time for an advisor Lesson 3
Low costs double returns as ETFs beat mutual funds Lesson 4
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