Many of American are investing in mutual funds now and are going to keep their money invested in the market while they learn to begin to stockpile stocks on their own.  If Phil Town were going to keep his capital in the market but not invest it on his own yet, He’d put his money into Spyders—the exchange-traded fund for the S&P 500 (symbol SPY). Phil Town thinks that the average fund charges about 1.3 percent fees. Whereas the  SPY fund only charges .08 per- cent. That mean you’ll pay 16.25 times less for SPYDER which is a big difference. If you have $10,000  worth of investments in your 401(k) in the average mutual fund, you’re going to pay about $200 in fees. Compare that to the spyder fund and you’ll pay only $8 for SPY.  Now that is  the first good thing, because you just received  a 2 percent return just for knowing a little thing about your money. And even better, today that 2 percent represents a significantly better return than you would get in a one-year U.S. Treasury bond. You can make money on SPY by trading it using a simple computer tool called a Moving Average. Phil Town thinks that just for having a little knowledge. The second is SPY is going to do the market rate of return because it is the market. It’s a stock that mirrors the S&P 500 index by buying the index stocks. If the S&P 500 index goes up 20 percent next year, SPY will go up 20 percent, too. Same with going down 20 percent, of course, but SPY eliminates the mutual fund fee and then achieves what the vast majority of mutual funds fail to achieve—a market rate of return. This one change in your investing will solve the problem of being ripped off for fees. It doesn’t solve the problem of making nothing for the next ten years if the market goes nowhere.