"Experience conclusively shows that index-fund buyers are likely to obtain results exceeding those of the typical fund manager, whose large advisory fees and substantial portfolio turnover tend to reduce investment yields. Many people will find the guarantee of playing the stock-market game at par every round a very attractive one. The index fund is a sensible, serviceable method for obtaining the market's rate of return with absolutely no effort and minimal expense."

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I have a friend, a pastor, who applied with me and 419 other people for 25 seats on a special advisory board. Though I believed she was infinitely more qualified than me, she wasn't selected and I was. When I saw her at her church weeks later, I asked her how she felt about the decision. While disappointment, self-doubt and defeat would have been normal reactions to the Board's decision, my friend said she felt great. 'How come?' I asked. She said with a smile, 'I just figured God had something better in store for me.'

— Jack Canfield