Helps you compare mutual funds, ETFs, index funds, and SMAs when users ask about costs, tax efficiency, or which fund to buy. Covers the mechanics that actually matter: how ETF creation/redemption avoids capital gains, why expense ratios compound into serious money over decades, and the difference between tracking error and tracking difference. Includes worked examples showing a 0.72% fee difference destroying $160k over 30 years on a $100k investment. Use this when someone asks about Vanguard vs Fidelity, load fees, or whether an ETF is worth it over a mutual fund. The tax efficiency section is solid, breaks down exactly why ETFs defer gains while mutual funds distribute them to all shareholders.
npx skills add https://github.com/joellewis/finance_skills --skill fund-vehicles