<prompt> Human: Over the years, Ive often been asked for investment advice, and in the process of answering Ive learned a good deal about human behavior. My regular recommendation has been a low-cost SP 500 index fund. To their credit, my friends who possess only modest means have usually followed my suggestion.I believe, however, that none of the mega-rich individuals, institutions or pension funds has followed that same advice when Ive given it to them. Instead, these investors politely thank me for my thoughts and depart to listen to the siren song of a high-fee manager or, in the case of many institutions, to seek out another breed of hyper-helper called a consultant....Over the decade-long bet, the index fund returned 7.1 compounded annually. Protégé funds returned an average of only 2.2 net of all fees. Buffett had made his point. When looking at returns, fees are often ignored or obscured. And when that money is not re-invested each year with the principal, it can almost never overtake an index fund if you take the long view.  <response>: I love the photo at the end and how the money will go to transitional housing for fosters. Very cool. 