Avoiding unnecessary fees certainly means keeping more money in your investment account. However, this does not mean that the spending ratio is a “bad rate”. Sometimes, paying a small spending ratio on your investment funds can make it easier for you to stick to your investment strategy. Other costs included in a fund's spending ratio are taxes, legal fees, accounting and auditing, and record keeping.
Additionally, if you are looking to transfer 401k to Gold IRA, you may need to pay additional fees. What is clear is that investors are not required to pay high fees to invest in ETFs, and should prioritize investing only in those ETFs with competitive and stable spending ratios.