Freeze Spending?

Freezing spending might make ok politics, but cutting costs is what investors need.

The problem for investors is that high costs are frozen in their mutual funds, other investment products and managed accounts. That's not good for you.

Cut your costs and then lock in - freeze - the lowest costs in your accounts. That is not the way of Washington or Wall Street, but it will work for you very well.


Our lesson: never pay more than 0.2% in total annual costs.

Percentages rule in the investment world, but you need to know how seemingly small percentages of costs translate into actual dollars you lose. We teach how to convert your costs into dollars and personalize it.

Life Keepers says put a ceiling on costs - not a floor.

0.2% - nothing more. That's total annual costs. No one who advises you will want you to limit your total annual costs to 0.2% or less. That confirms why you should get it done.