Regardless of the cadence, expense ratios are simply taken out of your return, meaning you won’t receive a bill for them. To find a fund's expense ratio, you have to dig into the fund’s ...

while a buyer prefers a ratio closer to 90%. Image source: Getty Images. Exactly where the two parties meet on that spectrum depends on many variables, the biggest being overall market conditions.

resulting in a lower overall expense ratio. In addition, investors have become more cost-conscious. It's certainly easier to find this data than a few decades ago—they're increasingly choosing ...