Calculateur d'Impact des Frais de Gestion — Formule

The Hidden Cost of Expense Ratios

Expense ratios are annual fees charged by mutual funds and ETFs, expressed as a percentage of assets.

How Fees Compound Against You

Net Return = Gross Return - Expense Ratio

A 1% difference in fees may seem small, but over 30 years it can consume 25%+ of your wealth.

Typical Expense Ratios

Fund TypeTypical Ratio Index ETF0.03% - 0.20% Active Mutual Fund0.50% - 1.50% Target Date Fund0.10% - 0.75%

Exemple Résolu

$100,000 invested for 30 years at 8% gross return. Compare 0.05% vs 1.0% expense ratio.

  1. Low-cost net return = 8% - 0.05% = 7.95%
  2. High-cost net return = 8% - 1.0% = 7.0%
  3. Low-cost: $100,000 x (1.0795)^30 = $978,000
  4. High-cost: $100,000 x (1.07)^30 = $761,000
  5. Difference = $217,000 lost to fees