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Continue to ChatWe need a federal government commission to study the way our financial services system is working - I believe it is working badly - and we also need more educated investors. There are good long term low-priced mutual funds - my favorite is a total stock market index fund - and bad short term highly priced mutual funds. If investors would get themselves educated, and invest in the former - taking their money out of the latter - we would see some automatic improvements in the system, and see them fairly quickly. - John C. Bogle from https://whatsmyquote.com/quote/we-need-a-federal-government-commission-to-study-the-way-our-financial-services-system-is-working-i-believe-it