When I started investing in the 1960s standard commission to buy a stock mutual fund was 8.5% No one called it "skimming." It was the profit charged for the considerable services provided. Now Vanguard has some funds with expenses in the neighborhood of .03% or even less. And most brokerage customers, like me, are getting wealthier and wealthier. Zero complaints.
--- You can create your own free and perfect S&P 500... just buy 500 different stocks and handle the rebalancing and filings yourself. See how that works for you.
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