We'll answer this important question in 2 parts: First, WHY it's so important to offer kids a ZERO-fee investment fund; And, second, how we can AFFORD to do it. Part 1: Unlike conventional Fund Managers, who are in business to earn a profit from the fees they charge investors, our business model is different. The purpose of our ZERO-Fee S&P 500 Index Fund is to make it as inexpensive as possible (Free) for children (and their parents) to achieve their capital accumulation goals. And, because children have much longer investment horizons, the impact of any fees they are required to pay is magnified, as compounding has considerably longer to affect their capital-accumulation. As just one example, in the scenario where (with our help) a parent helps their son or daughter FINISH investing for retirement by their child's 3rd birthday (by investing for them $13,382 per year, for 3 years), if their child pays ZERO in fees, they should accumulate $10,000,272 by age 65 (assuming the S&P 500 averages a total return of 9% per year, which is less than what it did over the past 65 years). However, if their child is required to pay just 4 tenths of one percent in fees (40 basis points), they will accumulate only $7,901,979 (again, assuming the S&P 500 averages a total return of 9% per year, which is less than what it did over the past 65 years). The seemingly insignificant .4% in fees will cost the child $2,098,293 in retirement savings. Even more significantly, these fees will cost the child $188,293 PER YEAR in retirement income. So, if the child lives to age 89, the seemingly-insignificant 4 tenths of one percent in fees will cost the child a total of $4,532,312 in retirement income. Part 2: To be able to comfortably afford to operate our own ZERO-Fee S&P 500 Index Fund, we will also operate a small number of other for-profit businesses. So, the BIG Shift Group of Companies - as a whole - will be profitable, even though we will subsidize the operation of the ZERO-Fee S&P 500 Index Fund with profits from our other businesses. Think of the BIG Shift Group of Companies as an orhestra. Not every instrument, on its own, needs to generate a profit. Instead, what matters is: that by working closely together in economic-concert, the entire orchestra is profitable. As you'll discover if you dive deeper into our business model, we operate 3 groups of businesses: (1.) 'ZERO-Profit businesses', including our ZERO Fee Investment Fund and cost-FREE Coaching Program for parents; (2.) 'Partial Profit businesses' such as our Real Estate Brokerage and Mortgage Brokerage (which we will operate to to help us provide compelling economic rewards, to drive market share to our Full-Profit businesses; and (3.) 'Full-Profit businesses' which produce the lion's share of the profit for the BIG Shift Group of Companies, and are therefore instrumental for orchestrating & sustaining the BIG Shift.