If you took economics classes, you probably learned about the “Rule of Threes.” As business competitors slug it out over time, they typically end up with three strong competitors. Yes, there are exceptions, such as Coke and Pepsi in the soft drink industry. When the government grants a monopoly, there is just the cable company and satellite company. But in the long distance telephone industry, there was always AT&T, MCI and Sprint. With domestic cars, it was GM, Ford and Chrysler. In the investment industry, the three bigs are T. Rowe Price, Vanguard and Fidelity. These companies cannot stand each other, so they keep cutting commissions for customers. As a result, you can’t go wrong having your savings with any of these three companies. Vanguard is the least expensive of them all. T. Rowe. Price is next and Fidelity is a smidge more pricey. It’s because there are three that the prices are so low. And it’s great news for you!