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Personally I started with ETFs the associated costs are typically lower. The higher fees for mutual funds eat into your returns over the long run, which could affect whether you have enough for retirement at the age of 60 versus at age 63.
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I would say etf, as there is lower charges which could make a huge impact on your returns over the l...
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ETF and mutual fund are having same concepts, but mutual fund in local context tends to have higher management fees. So i would suggest to go for low expense ratio ETF.