In criminal law, motive is distinct from intent. Criminal intent refers to the mental state of mind possessed by a defendant in committing a crime. With few exceptions the prosecution in a criminal case must prove that the defendant intended to commit the illegal act.
See the difference low-cost funds can make. The less you pay for your funds, the more you keep in your pocketâit's that simple. The average Vanguard mutual fund and ETF (exchange-traded fund) expense ratio is 82% less than the industry average.*. You don't get a bill explaining how much of your savings went toward paying fund expenses, because those costs are paid directly out of each fund's returns.
Their average advisory fee percentage is 1.30% and their average mutual fund and ETF expense ratio is 0.76% for a total fee of roughly 2%. 2% is not egregious if your portfolio is outperforming the market every year by 2% or more.