[maxtower]

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Please don't listen to the posters in this thread who are telling you index funds are always better than actively managed funds, because there couldn't be anything further from the truth. Take some time to research funds out their with great track records, relatively low costs, and have a min. fee that meets your requirements.

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This has been discussed many times on this forum, and the consensus is that you are wrong. Sure there will be a fund that outperforms the index, but what are the chances that OP picks it? What are the chances it continues to outperform over many years?