- ??? ???? ??, ??? ????! ???? ??? - ??, ???, ????, ???? ???????, ??? ??? ???????, ???? ???? “??? ??” “??? ??” “????”, “????” ? ‘??????’? ???? ??, ???? ???? ????, ????? ???? ????, ?????/?? ??? ??? ??, ??? ???? ???, ???? ???? ???? ??, ???? ?In 2016, Morningstar printed a white paper stating that the "expense ratio is the most prov