"Most investors, both institutional and individual, will find the best way to own common stocks is through an index funds that charges minimal fees. Those following this path are sure to beat the net results (after fees and expenses) delivered by the great majority of investment professionals." - Warren Buffet, Berkshire Hathaway Chairman and legendary American Investor. pg. 15.

"Most of the mutual fund investments I have are index funds, approximately 75%." - Charles R. Schwab, founder and CEO of the Charles Schwab Corporation. pg. 25

"The easiest and surest way for a fund to achieve the top quartile in investment performance among peer funds is to achieve the bottom quartile in expenses." - John Bogle, founder and retired CEO of The Vanguard Group. pg. 30

"Question: So investors shouldn't delude themselves about beating the market? Answer: "They're just not going to do it. It's just not going to happen." - Daniel Kahneman, Nobel Laureate in Economics, 2002. pg. 32