金融工具
投资费用计算器
估算费用率、顾问费、固定费用和 upfront 成本如何降低长期投资回报
Investment Assumptions
Model long-term expense ratios, advisory fees, and fixed costs.
Total fee impact
$163,115
20.96% of the no-fee ending balance over 30 years.
No-fee final value
$778,339
With-fee final value
$615,224
Direct fees paid
$75,609
Lost growth
$87,506
Ending balance gap
$163,115
Cumulative direct fees
$75,609
Opportunity cost
$87,506
Year-by-year projection
Balances are simulated monthly and sampled at each year-end.
| Year | No fees | With fees | Annual fees | Cumulative fees | Total gap |
|---|---|---|---|---|---|
| 1 | $32,975 | $32,552 | $411 | $411 | $423 |
| 2 | $41,509 | $40,552 | $489 | $900 | $957 |
| 3 | $50,639 | $49,026 | $571 | $1,471 | $1,613 |
| 4 | $60,409 | $58,004 | $659 | $2,130 | $2,405 |
| 5 | $70,863 | $67,514 | $752 | $2,882 | $3,349 |
| 6 | $82,049 | $77,589 | $850 | $3,732 | $4,460 |
| 7 | $94,017 | $88,262 | $954 | $4,686 | $5,755 |
| 8 | $106,823 | $99,568 | $1,064 | $5,750 | $7,255 |
| 9 | $120,526 | $111,545 | $1,181 | $6,931 | $8,981 |
| 10 | $135,188 | $124,233 | $1,305 | $8,236 | $10,955 |
| 11 | $150,877 | $137,674 | $1,436 | $9,671 | $13,202 |
| 12 | $167,663 | $151,913 | $1,575 | $11,246 | $15,750 |
| 13 | $185,625 | $166,997 | $1,722 | $12,968 | $18,628 |
| 14 | $204,843 | $182,976 | $1,877 | $14,845 | $21,867 |
| 15 | $225,408 | $199,903 | $2,042 | $16,887 | $25,504 |
| 16 | $247,411 | $217,835 | $2,217 | $19,104 | $29,576 |
| 17 | $270,955 | $236,832 | $2,402 | $21,507 | $34,124 |
| 18 | $296,147 | $256,955 | $2,599 | $24,105 | $39,192 |
| 19 | $323,103 | $278,273 | $2,806 | $26,912 | $44,830 |
| 20 | $351,945 | $300,856 | $3,027 | $29,938 | $51,089 |
| 21 | $382,806 | $324,780 | $3,260 | $33,198 | $58,027 |
| 22 | $415,828 | $350,123 | $3,507 | $36,705 | $65,705 |
| 23 | $451,161 | $376,971 | $3,769 | $40,473 | $74,191 |
| 24 | $488,968 | $405,411 | $4,046 | $44,519 | $83,556 |
| 25 | $529,420 | $435,540 | $4,339 | $48,858 | $93,881 |
| 26 | $572,705 | $467,457 | $4,651 | $53,509 | $105,248 |
| 27 | $619,020 | $501,268 | $4,980 | $58,489 | $117,752 |
| 28 | $668,576 | $537,085 | $5,329 | $63,819 | $131,491 |
| 29 | $721,602 | $575,029 | $5,699 | $69,518 | $146,573 |
| 30 | $778,339 | $615,224 | $6,091 | $75,609 | $163,115 |
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