Yes, these are all relevant. It doesn't address my question.
how in the world does that not address your question??
Regardless, the difference isn't going to be that significant, odds are you will underperform, and that is before tax considerations.
I have come to two basic understandings, when it comes to investing in the stock market.
1. Historically, If you are investing long term, the stock market has been a great place to put money and let it compound.
2. Beyond investing in the S&P, you are more likely to make a bad decision than a good one.