<prompt> Human: Vanguard funds have such low fees that you can buy and sell at very low cost, so much so that its almost like just having a bank account.They consistently get between 8-12 a year, and have done since forever.Its enough that my impression is that this is the only piece of knowledge most people need to know about investing in the stock market. Go with Vanguards top index funds.But, that all seems to make sense to me, and Im a person with very little knowledge in this area. Are there things Im overlooking?  <response>: Nothing gets 8-12 every year consistently. It may average 8-12 before inflation over a long time period. 