Given the evidence presented in our eight fundamental principles below, we believe it's better to invest directly with stock market indices and save you thousands of dollars in product fees. That's why we primarily use exchange-traded funds (ETFs) that track or replicate the world's major stock market indices, while being extremely less expensive than traditional mutual funds.

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In this way, our investors obtain the full return of the market at the lowest possible cost. This approach increases the likelihood of returns compared with management that tries to beat the stock market, and keeps fees and taxes as low as possible, so your investments grow even more.