Market doesn't look cheap but don't try to time your long term investments

* Fees Matter — ETFs typically have very low expense ratios. Passive index-tracking ETFs like SPY don’t require expensive active management, so you keep more of the returns. Fidelity+1 * Underperformance Is the Norm for Active Funds — Data show that 80–90% of actively managed U.S. equity funds underperform their