Which funds truly offer value?
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If passive FMCG and healthcare ETFs provide exposure for just 0.20% in fees, is there any reason to pay 1% or more for active funds? Or should I stick with a low volatility ETF as a cheaper, more stable alternative to cash?
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Honestly, most active funds underperform low-cost ETFs over time - data shows about 90% trail their benchmarks after 15 years. I’d suggest going for really low-cost options like VDC for consumer staples or XLV for healthcare.
Just keep in mind, low-volatility ETFs aren’t like cash; they can still lose value. If you want something safe, money market funds that give you around 4-5% are a solid choice.
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