Not just rate of return, but who will be the fund providers and what will their fees be? Even at the exact same rate of return, the difference in the (effectiv

Not just rate of return, but who will be the fund providers and what will their fees be? Even at the exact same rate of return, the difference in the (effectively compounded) fees paid on a low-cost index fund and a “low-cost” index fund can be 15% of the total value of the account over the course of 6 decades. You can do this math yourself by looking at existing funds. The number and amount of money involved makes these a really juicy target for providers that will charge higher than standard fees if they can get away with it.