Key Data and Analysis
Daily fee deduction on $100,000 at different ERs
| Annual ER | Daily Deduction | On $100K | Annual Total |
|---|---|---|---|
| 0.03% | 0.000082%/day | $0.08/day | $30 |
| 0.50% | 0.00137%/day | $1.37/day | $500 |
| 1.00% | 0.00274%/day | $2.74/day | $1,000 |
| 1.50% | 0.00411%/day | $4.11/day | $1,500 |
ℹ️Why 1% Costs More Than $1,000/Year
A 1% ER on $100,000 costs $1,000 in year 1. But that $1,000 does not compound. Over 20 years, the total compounding cost is $114,000 — not $20,000 ($1,000 x 20 years).
Scenarios and Comparison
Total fee drag by ER difference and portfolio size (8% gross, 20 years)
| ER Difference | $50K 20yr | $100K 20yr | $500K 20yr |
|---|---|---|---|
| 0.10% | $4,800 | $9,600 | $48,000 |
| 0.50% | $23,800 | $47,600 | $238,000 |
| 0.72% | $34,000 | $68,000 | $340,000 |
| 1.00% | $46,000 | $92,000 | $460,000 |
Calculate Your Outcome Now
Enter your specific numbers to see personalized projections.