Fee calculator

What an expensive fund costs compared with a cheap one over the years, with a lump sum and monthly savings.

Fee calculator

Currency

CHFEURUSD

Lump sum todayCHF

Monthly savingsCHF

Investment period30 years

Return before costs per year%

Option A: costs per year%

Option B: costs per year%

Total expense ratio (TER) plus custody fee.

DifferenceCHF 4,54810.8% of the higher final value

With 0.50% costsCHF 37,453

With 0.10% costsCHF 42,001

Paid in: CHF 10,000

After	A	B	Difference
5 yrs	CHF 12,462	CHF 12,702	CHF 240
10 yrs	CHF 15,530	CHF 16,134	CHF 605
20 yrs	CHF 24,117	CHF 26,032	CHF 1,915
30 yrs	CHF 37,453	CHF 42,001	CHF 4,548

Simplified: the same return every year, costs deducted directly from the return, savings at the end of each month. Before taxes and inflation.