Michelle and Josh are here today to discuss financial topics relevant to those of you in or near retirement living your best life along our part of the gulf coast.

Takeaways:

• An index mutual fund provides broad market exposure, low operating expenses, and low portfolio turnover
• The costs of fund management should be reflected in the fund's expense ratio
• that market returns that everyday investors do earn from investing in index funds are lower than the returns they would get from the market if index funds didn't exist at all