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    Why don’t people just invest in the S&P ?

    @scott731 The way you're thinking about this just tells me you have no understanding of statistics. The S&P 500 does not made 8% year over year. When you take the mean of the past 80 years it comes out to 8%. But in that time it can go decades of low performance, years of negative returns, and...
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    Why don’t people just invest in the S&P ?

    @zc17bills This just isn't true, you have no idea what the S&P will do in the future. The historical average real returns have been around 8%, that doesn't mean it's "set" to always return that. It's a basic disclaimer on all funds - past performance is no guarantee of future results.
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    Help with Brand new 401k Plan picking funds

    @israelarb I don't see any benefit in getting a bunch of different index funds. Just pick one good one. I believe the Vanguard Inst Index is their version of the S&P 500, that's a solid choice.
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