> If the high expense ratios, hidden load charges, and diluted returns were not discouraging enough, this will help firm up that decision. None of these things

> If the high expense ratios, hidden load charges, and diluted returns were not discouraging enough, this will help firm up that decision. None of these things are true for Vanguard mutual funds, and there are some asset classes (muni bonds, money market funds, etc.) that Vanguard only makes available as mutual funds and not as ETFs.