We're getting more and more comments from readers and we appreciate all of them. Every now and then, we get a comment that inspires us to write a story. We received just such a comment on last week's article "What's a Fair Fee to Pay a Fiduciary."

In that article, we included this throwaway line: "it would not be unusual to find a high expense ratio actively managed fund with better investment returns than a low expense ratio actively managed fund." I call it a "throwaway line" because its relevance lay just on the periphery of the topic. In the end, I'm glad I didn't throw it away. Here's why.

A reader, who went out of his way to compliment my writing and to say he's still a fan, liked everything in the article except that line. He even referred to a statement made by a Morningstar executive saying, "cheaper funds are far more likely to outperform." I emailed him back thanking him for the comment because it gave me a great idea for a story.

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Christopher Carosa

Chris Carosa has been writing a weekly article and monthly column for BenefitsPRO online and BenefitsPRO Magazine since 2011 and is a nationally recognized award-winning writer, researcher and speaker. He’s written seven books, including From Cradle to Retire: The Child IRA; Hey! What’s My Number? – How to Increase the Odds You Will Retire in Comfort; A Pizza The Action: Everything I Ever Learned About Business I Learned By Working in a Pizza Stand at the Erie County Fair; and the widely acclaimed 401(k) Fiduciary Solutions. Carosa is also Chief Contributing Editor of the authoritative trade journal FiduciaryNews.com and publisher of the Mendon-Honeoye Falls-Lima Sentinel, a weekly community newspaper he founded in 1989. Currently serving as President of the National Society of Newspaper Columnists and with more than 1,000 articles published in various publications, he appears regularly in the national media. A “parallel” entrepreneur, he actively runs a handful of businesses, including a small boutique investment adviser, providing hands-on experience for his writing. A trained astrophysicist, he also holds an MBA and has been designated a Certified Trust and Financial Advisor. Share your thoughts and story ideas with him through Facebook (https://www.facebook.com/christophercarosa/)and Twitter (https://twitter.com/ChrisCarosa).