I’ve occasionally talked about costs (and fees) in my investment strategy and also when it comes to reviewing financial products in the market, the cost of investing remains a key evaluation metric.

Why are costs so important?

Well, the only thing that you can control in any investment decision is the fees that you pay to your financial advisor or robo-advisor. You obviously cannot control your investment returns, nor can you control how much your portfolio falls when the market crashes. But you can control how much you pay.

Endowus is one of the two robos that I use and frequently recommend to my readers, because I am a firm believer of passive investing and tracking the broad market. You cannot consistently beat the market, and if you study financial theory, you would learn from modern portfolio theory that the best way to own stocks and gain the maximum