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One of the biggest debates in all of personal finance and investing has to be active vs. passive management.

Ever since Jack Bogle created Vanguard and launched the world’s first index fund back in 1976, the battle has raged on. The battle between index and active has taken on a new role recently as the creation of exchange-traded funds (ETFs) has sent investments fees basically to zero. And that’s great for investors.

While important, fees aren’t the only metric investors should pay attention to.

Focusing solely on fees could end up costing you some pretty big returns or increasing the risk of your portfolio. The answer isn’t always to go with the lowest cost option. Our recent obsession with only low cost could be hurting us in the long run.

Be sure to check out this article that discusses five budgeting apps that can help you achieve your personal finance goals.

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