Skyrefuge, does the Morningstar growth chart account for expenses?
No - it's returns only (share appreciation + dividends reinvested).
Incorrect. "Share appreciation" already includes the drag of expenses. The return of a particular mutual fund without its expenses included is something no one has any interest in seeing. Yes, it's good to know what the expenses
are, but no one needs to see an expense-free return chart plotted, because no one can actually remove the expenses from a fund.
So you will do very, very, very slightly better owning Vanguard's VTSAX which has an expense ratio that is 0.04% lower.
Yes, and that's what exactly what the Morningstar chart (which includes expenses) shows.
Hopefully in the third round I'm fast enough to get my post in first!