A small yearly fee looks harmless. Over decades it quietly takes a large share of your returns. Compare two fee levels and see the gap.
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Optional. Set it to zero for a one-off amount.
Return before any fees are taken off.
The fee difference costs you
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Ends with fee A
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Ends with fee B
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Total you put in
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Year 1Year 30
Fee A
Fee B
Lost to the higher fee
This is an illustration, not a forecast. It assumes a constant gross return every year, which no investment delivers reliably, and it ignores taxes, trading costs and inflation.
Educational estimate only. The fee is taken off the gross return before compounding, and the result is treated as an effective annual return. Fee levels here are freely adjustable examples and do not describe any particular product or provider.