What is the point of putting your money in a mutual fund if the EFT SPY beats it's performance all the time ?

I am hesitating of investing 10k in a mutual fund or ETF like SPY or VTI. The management fees for the mutual fund seems to be too high. what do you guys think?

Submitted March 11, 2014 at 10:39AM by fenec860 http://ift.tt/1fmS4gy