How much do investment fees really cost you?
One percentage point of fees a year makes a large difference to the final amount. Compare two fee levels on the same savings.
What this calculator is for
See the effect of annual fees on your savings: two fee levels, the same savings, the same period.
How to read the result
The big number is the final gap between the two options. The curves move further apart every year: fees also eat into past gains.
Assumptions and limits
Gross return is the same for both options; in reality higher fees do not guarantee better returns. Fees cover management, product and advice.
Have the result checked
An adviser goes through these figures with your actual situation: tax, pensions, existing investments.
Frequently asked questions
Which fees should I include?
All annual fees: adviser or bank management fees, fund fees (MER, TER), custody fees. One-off entry fees come off the starting capital.
Can higher fees be worth it?
Yes, if they pay for advice that earns you more: tax planning, allocation, discipline in market falls. The calculator shows how much that advice needs to add to pay for itself.