📊 ETF Expense Ratios Matter

When selecting ETFs, expense ratios significantly impact long-term returns. A 0.03% expense ratio versus 0.75% on a $10,000 investment costs $3 versus $75 annually. Over 20 years with 7% returns, the difference compounds to thousands of dollars. Popular low-cost options include Vanguard's VTI (0.03%) and SPDR's SPY (0.09%). Always compare expense ratios within similar asset classes.