@blessedheart Let me try to illustrate it to you in a case where in 30 years the market returns exactly 0%. You start with 100,000. In 5 years of 8% fees you are down to 66,942 in the next 25 of 2% you are down to 40,585. In case of a cheapest ETF 0.03% I could find if you start with 100,000 you...