FEES

In the fund business, you get what you don't pay for. Costs are the enemy of the investor.

Complexity in investing is almost always sold to you, not created by you. The more complex the product, the more someone is taking from you.

My bank was charging me 5% on every transfer to Estonia. I did the math — I was losing thousands of pounds a year. That's not a fee, that's theft.

Banks make $35 billion a year from overdraft fees. That's $35 billion taken from the people who can least afford it. We charge zero.