费率影响计算器
计算基金费率对长期投资回报的影响，比较不同费率基金的最终收益差异，选择更具成本效益的投资产品。
Low-Cost Fund Value
$992,383
Low-Cost Fund Value vs Investment Period
公式
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
计算示例
$100,000 invested for 30 years at 8% gross return. Compare 0.05% vs 1.0% expense ratio.
- 01Low-cost net return = 8% - 0.05% = 7.95%
- 02High-cost net return = 8% - 1.0% = 7.0%
- 03Low-cost: $100,000 x (1.0795)^30 = $978,000
- 04High-cost: $100,000 x (1.07)^30 = $761,000
- 05Difference = $217,000 lost to fees
常见问题
What is a good expense ratio?
For broad-market index funds, look for ratios below 0.10%. Total US stock market and S&P 500 index funds are available at 0.03%. For actively managed funds, anything below 0.50% is considered reasonable.
Do higher fees mean better performance?
No. Research consistently shows that lower-cost funds outperform higher-cost funds on average. After fees, about 90% of active managers underperform their benchmark index over 15+ years.
Where do I find a fund expense ratio?
The expense ratio is listed in the fund prospectus and on the fund summary page of any brokerage or financial website. It is deducted automatically from the fund value, not charged separately.
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