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Fund Spy

Lower Your Fees, Boost Your Returns

I increased my returns with this one weird trick.

I've written before about how inflection points in the markets are the times when past performance is least helpful. Using total returns, or a risk-adjusted measure of total returns, to drive your fund selection will work fairly well when the markets continue to go in the same direction for a long time. 

But when you get a big market shift, things can get dicey.