في الاستثمار، تجني ما لا تدفعه. التّكاليف مهمة. لذا فإن المستثمرين الأذكياء سوف يستخدمون صناديق المؤشرات المنخفضة التكلفة لبناء مِحفظَةٍ متنوّعة من الأسهم والسنّدات، وسوف يستمرون على هذا المِنوال. ولن يكونوا من الحماقة بما يكفي للاعتقاد بأنهم قادرون على التفوّق على السوق باستمرار.

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