But study author Kristine Funk, the Kaiser Permanente Center for Health Research says those averages mask significant differences within the group of website users.

VOA: standard.2010.07.30

The fund's expense ratio of 0.5% and its turnover ratio of 25% are substantially below peer-group averages.

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That's the highest of the brokerage group, which averages 224%.

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So in focusing on averages within each income group, the realities of lower income groups will be compared to a misconception of the top income group.

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