BOSTON (AP) — It’s easy to overlook what’s important when it comes to saving money. Many people would sooner clip a coupon for shampoo than review the expenses they’re paying to invest in mutual funds.

Cost is hardly the only consideration because a fund charging above-average fees may generate larger returns than a low-cost fund. But more often than not, any performance edge that a fund manager achieves is erased by the fees that are shaved off investors’ returns.