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This too shall pass, (ancient Mesopotamia)

Who's slacker 19 year olds are now 30 & 31 and have fended well for themselves....after some time of seeking. They are both content and well-adjusted after a long bout of "I don't want to be like, live like, you Dad." ...that is work, buy a house, car, family obligations etc., etc.

...and to keep this on topic...I set both up within the last year (both working) with Chas Schwab Roth accounts and started with Wisdom Tree Large Cap fund (symbol EPS) 0.08% expense ratio and let them pick a stock of their chose O, the other chose SPOT. Guess which is the accountant and which is a bartender.

A quick look at the FNILX v EPS etf's shows similar YTD (+20.5%)and 1 year (+9.5%) performance. A little difference in allocation explains ~0.1-0.2% or so difference in each. FNILX is passing it's one year anniversary this month. Top locations for both are MSFT, AAPL, BRK.B, AMZN. So it looks like Jim is right -0- is better than 0.08%

enjoy those there to listen to them.
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