[renewiltord]

RHer buying VOOG beats hedge funds all the time. It's the safest thing to do over large periods of time. Guy using eTrade buying VOOG does not do much better than RHer buying VOOG. Guy using Ameritrade buying VOOG does not do much better than RHer buying VOOG.

That's because the magic is VOOG, not your platform. And if RH gets you to buy VOOG instead of storing excess dollars in your savings account, then RH is the number one option.

All the returns are in the activation energy of getting to stock one of VOOG. Whether you buy it at 198.86 today or 198.85 will not change your outcome to any significance. What it will do is put you ahead of many hedge funds ten years from now, even if they spend 200 on their portfolio where you spent 198.85.