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I am trying to increase my knowlege of retirement investing and I am trying to learn more about the associated fees.

My employer offers a pension plan whereby we can choose from a range of different mutual funds to invest in. I choose the S&P 500 because the expense ratio was the lowest. It was 0.6%.

I had previously seen during a finance show on TV that the expense ratio for the S&P 500 was 0.2%

How is it that this differs and where does the money go?

I am still happy because my employer makes all the contributions so it is all free money.

Still, I would be interested if anyone knows why the expense ratios differ for the same fund.
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