Investing · fees
What fees cost you
Why this matters. A percentage fee taken every year is a small line that becomes a large dollar as the balance grows. The page compounds the return you type with and without that fee. It is not a fund’s quote.
Same starting money, same amount added each year, same return before fees. A cheap fund, a typical fund, and an expensive one.
After 30 years
0.10% ETF / indexed
$7,801,717Example return you typed
0.80% typical active
$6,590,083Example return you typed
1.50% retail wrap
$5,571,728Example return you typed
0.80% MER costs $1,211,634 vs 0.10%. 1.50% costs $2,229,989.
Next: Compare super funds — Which default fund already has this fee.
What doctors often miss
A percentage fee is taken every year on the balance, so the dollar gap widens even when the gross return you type stays the same.
Included / Not included
Included
- The fee percentages you set, taken off the same gross return each year · Example assumption, editable
Not included
- Tax on earnings, franking, and contributions tax
- Investment returns that change from year to year
- Inflation
- Advice fees, brokerage, and buy/sell spreads unless they are inside the fee you typed
- A product recommendation
Assumptions you can edit are the inputs on this page. This is a model, not a prediction, a tax assessment, or a recommendation.
A rough figure — not advice. Terms
Also
Advertisement — labelled, never inside the number.