Didn't mean to place any egg. Wished I had writeup so I could have just linked to.All analysis did not include fees in brokerage account. Have not done the math. But I would assume that SPY would be better given that situation.I was in that situation. So I used a check and 33 cent stamp and purchase Vanguard from Vanguard. The difference does justify that action. IMO that is.There is an investment philosophy that says these unit trust indexes like spy and QQQ are nothing more than investment pools that existed during 20's. ie they are dangerous.
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