An easy solution is to offer employees an option to have their contributions automatically invested in balanced, prudently diversified, low-cost funds.

Then, you split your assets among various low-cost mutual funds and added money regularly.

A fund with high costs must perform better than a low-cost fund to generate the same returns for you.

Seek finance from a low-cost fund managed by a local enterprise agency or community organisation.

Actively managed stock portfolios find it hard to achieve the returns of low-cost index-tracking funds, and that was especially true last year.

At first, individuals would be offered a limited range of investment vehicles, mostly low-cost indexed funds.

Nevertheless, even this group came nowhere close to allocating its entire portfolio to the low-cost fund.

This has happened often to the Vanguard Group's low-cost funds, which don't charge 12b-1 fees, the company says.

He has called their school benefits office and asked whether the district could add low-cost funds.

Choosing a low-cost fund is a good way to start.