Just For Thinking ...
Any idea of what is the total cost of outsourcing your investment over long run?
Annual costs of 0.3% sounds like paying peanuts to fund manager. Right?
Do some warming up exercise first before we continue ...
Read? Beware of percentages
Once you have understood "Beware of percentage". Let us move on.
Paying 0.3% based on Expenses over Net Asset Ratio is really peanut!
How about paying 11.2% based on Expenses/Income Ratio?