I think people forget they can invest in themselves. While the stock market can be risky, investing for the long-term and holding asset classes that may help offset its ups and downs can help manage risk. Total annual fund operating expenses are a miniscule 0. Just as stock market returns compound over time, the deleterious effects of high fees also compound over time. Ben Williamson says:. October 11, at pm. Article comments 19 comments John says:.