Actively managed funds vs Index funds

[snafu]

Some 'Managed' funds are really Index copycats with a higher MER. Before buying a Managed fund, it's helpful to compare 10 top holdings with it's comparable Index Fund. Before signing, be sure to ask MER and whether there are any other fees. In many instances it is cheaper to buy the comparable ETF having the dividends automatically re-invested.

[Ochayebeers]

That's an excellent point Snafu.

I would stay away from synthetic derivative based ETFs though. Stick to the physical ones if you have the option.

Counter party default risk is (although unlikely)an unnecessary risk to add into the mix.

[kv968]

Yes, I receive a 100% match on the first 3% of my salary. So I contribute enough to get that, then I contribute to my traditional and/or Roth.

That's good. Let me just ask, do you have a traditional AND a Roth? And if so, how do you split up those contributions? Just curious.