Key Data and Analysis
Fee impact on retirement timeline: $300K base + $1,000/month at 8% gross targeting $1.5M
| ER | Net Return | Years to $1.5M Goal (from $300K + $1K/mo) | Retirement Age (from 45) |
|---|---|---|---|
| 0.03% | 7.97% | 16.1 years | 61.1 |
| 0.25% | 7.75% | 16.6 years | 61.6 |
| 0.75% | 7.25% | 17.8 years | 62.8 |
| 1.50% | 6.50% | 19.5 years | 64.5 |
🔑3.4 Years of Extra Retirement
Moving from 1.50% to 0.03% ER shaves 3.4 years off the retirement timeline. That is 3.4 additional years of retirement funded by fee savings alone — not extra contributions.
Scenarios and Comparison
Fee reduction actions with retirement timeline compression and effort
| Switch | Annual Savings | Timeline Compression | Effort |
|---|---|---|---|
| Active fund → index (0.75%→0.03%) | $2,160/yr | ~1.5 years | 15 min |
| High-cost 401(k) → cheapest option (1.20%→0.15%) | $3,150/yr | ~2.5 years | 30 min |
| Target date (0.75%→0.10%) | $1,950/yr | ~1.3 years | 30 min |
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