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Many individual investors have stayed away from mutual funds for quite some time now. There are better ways to invest your money imo. If the high expense ratios, hidden load charges, and diluted returns were not discouraging enough, this will help firm up that decision.

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> If the high expense ratios, hidden load charges, and diluted returns were not discouraging enough, this will help firm up that decision.

None of these things are true for Vanguard mutual funds, and there are some asset classes (muni bonds, money market funds, etc.) that Vanguard only makes available as mutual funds and not as ETFs.

While its true there are alternatives now, mutual funds do sometimes have a place (there are some pretty low cost ones that cover certain areas of the market where there isnt a low cost ETF to do the same). I would say pick an area of the market you want to invest in then compare across ways to access that market, mutual funds should be in that comparison still as often times it still makes sense.

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