Cut your costs

Investment returns are beyond your control. Costs are not.

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This is the single best way to juice your returns.

Despite what you may think, paying more for money management doesn’t improve results. So look at low-cost index funds or exchange-traded funds. (See our Canadian Couch Potato blog for more info.)

If you truly want an active manager, pick a fund with a below-median management expense ratio to ensure profits stay in your pocket.

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