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index-fund-starter

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Understand index-fund investing and how to actually get started with the simplest evidence-backed approach — plus the details that quietly matter (fees, account, automation). Use when asked how do index funds work, are index funds good, how do I buy index funds, or set up index fund investing. Produces a plain explanation of what index funds are and why they beat most active investing over time, what to check before buying (expense ratio, what it tracks, the account/wrapper), how to automate contributions, and the mistakes to avoid — educational only, not financial advice.

plugins/pm-wealth/skills/index-fund-starter/SKILL.md

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# Index-Fund Starter

Index funds are the closest thing investing has to a free lunch: own a tiny slice of a whole market, at rock-bottom cost, and outperform most professional stock-pickers over the long run — because low fees and diversification quietly win. This explains how they work, what to actually check before buying, and how to set up automatic investing — the boring approach that works. Education, not financial advice.

## What This Skill Produces

- **What an index fund is** — owning the whole market (or a slice) cheaply, in plain terms, and why low cost + diversification tends to beat active picking over time
- **What to check before buying** — the expense ratio (fees compound against you), what the fund actually tracks, and whether it's a fund or ETF
- **The account/wrapper question** — the (jurisdiction-specific) tax-advantaged vs. taxable account decision, flagged to research
- **Automation** — setting up regular automatic contributions (the habit that does the real work)
- **The mistakes** — chasing performance, tinkering, high-fee "index" funds, and panic-selling in downturns

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