These funds are all based off of money managers investing in set stocks with the intention for those stocks to impress with a good ROI.

If I use the CPP as an example, decades ago all Canadians, through the CPP, bought a sizeable stake in Skype to then sell it years later for an immense profit. Do I individually have money I can put on the stock market to a sizeable amount? No.

But if you are using an RRSP through a bank, as an example, you are leveraging the purchasing power of the bank including all the other people putting money into the same product you did.

Economies of scale. 1 person may not make a dent but 3k people invested in the same RRSP? Yes. That RRSP may be in tech stocks or infrastructure or energy based on the product you purchased but rest assured as an individual you want "line goes up".

So yes, we are the snake eating the tail.

Do you understand the volume of us "poors" when it comes to our collective purchasing power? We are indeed part of the problem.

Edit to add I am not talking about end consumer purchasing. I'm talking about large block institutional purchasing done on our behalf.

In Canada that can be through my RPP, my RRSP or the CPP or any other pension that may be available through my work.