As mentioned earlier in the article, low rates are helpful to optimize investment costs, but only if the investment abilities of the two funds are not much different. This is especially applicable to passive management funds such as index funds. For example, both funds are tracking the GEM index, and the tracking error is similar. At this time, whoever charges low will have an advantage. In actively managed funds, blindly low rates may not be a good thing. More attention should be paid to the fund manager's investment and research strength and professional investment management and risk control ability.
In the final analysis or a word:
Pay attention to the fund rate and know what costs you have paid;
But don't just focus on the cost, but also look at the risk-return ratio of investment!