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How much will fund expenses cost you over time?
Like investment returns, fund expenses compound over time. The longer your investment
horizon, the more expenses and fees will cost you.
Experiment with different horizons to see the cumulative impact over time.
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Select horizon: |
years
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Select balance: |
dollars
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|
Expense Ratio |
|
Ending Balance
(net of fees) |
|
Difference
from zero-fee case |
|
|
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0.00% |
|
|
$100,000 |
|
|
|
|
|
|
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0.20% |
|
|
$98,000 |
|
|
-2.0% |
|
|
|
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0.40% |
|
|
$96,100 |
|
|
-3.9% |
|
|
|
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0.60% |
|
|
$94,200 |
|
|
-5.8% |
|
|
|
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0.80% |
|
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$92,300 |
|
|
-7.7% |
|
|
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** 1.00% |
|
|
$90,400 |
|
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-9.6% |
|
|
|
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1.50% |
|
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$86,000 |
|
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-14.0% |
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** What does this mean?
After 10 years, a 1% annual fee will cost you approximately -9.6% of your ending
account balance, compared to the zero-fee case. Put another way, if your investments would have
grown to $100,000 before fees and expenses, your ending account balance would be approximately $90,400
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* This analysis assumes that fund expenses are deducted from fund assets once per year.
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