Tool · costs
The cost of fees
1% a year sounds like nothing. But it's charged every single year, on all your money, and whatever it takes stops growing. Compare the same investment with two or three fees and see the full bill.
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Assumptions and how it's calculated
What it compares. The same investment (initial amount, monthly contribution, years and return before costs) under each yearly fee. The fee is a percentage of your balance, spread month by month, just like a fund's or a manager's.
What total cost means. The gap between what you'd have with no fee at all and what you have with it. It has two parts: what's charged each year, and what that money would have kept earning. With many years ahead, the second part is usually the bigger one.
What it leaves out. Taxes, per-trade or fixed custody charges, and the idea that a pricier product might earn something different from a cheap one: here the return before costs is the same for all of them, which is exactly what lets you see the fee's effect on its own.
This is an exercise based on your assumptions, not a recommendation.
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