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SPY beat CWS for 1 and 3 years + since inception with lower SD. ER needs to fluctuate between 0.3 to 0.5 and not 0.65% to 0.85%...and maybe they will have a chance.
I have a better idea if I make the rules Every fund must follow an index and it must stay within it. It can't say I follow a bond index and invest in stocks. We can work on the specific rules later but I like the idea.
At the end of each year is must beat the index to keep its ER. If the performance is lower, ER goes to 0.3% max for the year (=12 months). It must beat the index the next year in order to have a higher ER than 0.3% for the next year.
Comments
ER needs to fluctuate between 0.3 to 0.5 and not 0.65% to 0.85%...and maybe they will have a chance.
I have a better idea if I make the rules
Every fund must follow an index and it must stay within it. It can't say I follow a bond index and invest in stocks. We can work on the specific rules later but I like the idea.
At the end of each year is must beat the index to keep its ER. If the performance is lower, ER goes to 0.3% max for the year (=12 months). It must beat the index the next year in order to have a higher ER than 0.3% for the next year.
This above will eliminate so many funds