Compare Investment Fees

Even a small difference in the fees you pay on your investments can add up over time. Use this calculator to see how different fees can impact your investment strategy!

An annual fee of LOW_FEE produces a difference of DIFFERENCE over YEARS compared to a HIGH_FEE annual fee.

Your total investment balance could be TOTAL_HIGH_AMOUNT if you save ADDITIONAL_CONTRIBUTIONS DEPOSIT_FREQUENCY for YEARS, making deposits at the PAYMENT_TYPE of each period. This includes a starting balance of STARTING_AMOUNT and a ANNUAL_RATE annual rate of return before fees. **GRAPH**
Results Summary
  Fee 1Fee 2Fee 3
Starting amount STARTING_AMOUNT STARTING_AMOUNT STARTING_AMOUNT
Years YEARS YEARS YEARS
Additional contributions ADDITIONAL_CONTRIBUTIONS DEPOSIT_FREQUENCY, at the PAYMENT_TYPE of each period ADDITIONAL_CONTRIBUTIONS DEPOSIT_FREQUENCY, at the PAYMENT_TYPE of each period ADDITIONAL_CONTRIBUTIONS DEPOSIT_FREQUENCY, at the PAYMENT_TYPE of each period
Annualized rate of return ANNUAL_RATE ANNUAL_RATE ANNUAL_RATE
Annual investment fee RATE_OF_FEE1 RATE_OF_FEE2 RATE_OF_FEE3
Annual return after fees RATE_OF_RETURN1 RATE_OF_RETURN2RATE_OF_RETURN3
Total amount you will have contributed TOTAL_AMOUNT_YOU_HAVE_PAID_IN1 TOTAL_AMOUNT_YOU_HAVE_PAID_IN2 TOTAL_AMOUNT_YOU_HAVE_PAID_IN3
Total at end of investment TOTAL_AT_END_OF_INVESTMENT1TOTAL_AT_END_OF_INVESTMENT2TOTAL_AT_END_OF_INVESTMENT3

Balance by Year

**REPEATING GROUP**

Compare Investment Fees Definitions

Starting amount
The starting balance or current amount you have invested or saved. If you haven't started saving yet, set the amount to '$0'.
Years
The total number of years you are planning to save or invest.
Additional contributions
The amount that you plan on adding to your savings or investment regularly.
Contribution frequency
How often your additional contributions will occur. Your choices are weekly (52 times per year), every other week (26 times per year), monthly, quarterly or annually.
Annualized rate of return
The annual rate of return for your underlying investment, before any fees are taken into account. The actual rate of return is largely dependent on the types of investments you select. The S&P 500® for the 10 years ending Dec. 31st, 2013 had an annual compounded rate of return of 7.3%, including reinvestment of dividends. From January 1970 through the end of 2013, the average annual compounded rate of return for the S&P 500®, including reinvestment of dividends, was approximately 10.6% (source: www.standardandpoors.com). Since 1970, the highest 12-month return was 61% (June 1982 through June 1983). The lowest 12-month return was -43% (March 2008 to March 2009). Savings accounts at a bank may pay as little as 0.25% or less but carry significantly lower risk of loss of principal balances.

It is important to remember that these scenarios are hypothetical and that future rates of return can't be predicted with certainty and that investments that pay higher rates of return are generally subject to higher risk and volatility. The actual rate of return on investments can vary widely over time, especially for long-term investments. This includes the potential loss of principal on your investment. It is not possible to invest directly in an index and the compounded rate of return noted above does not reflect sales charges and other fees that funds and/or investment companies may charge.

Make deposits at beginning of the period
Check this box to have all additional contributions happen at the beginning of each period. Uncheck this box for the end of the period. Making contributions at the beginning of each period allows your money to begin earning a return immediately increasing your return.
Annual investment fee
The annual fees, calculated based as a percentage of the investment balance, for three different investment options. The higher the fee percentage, the less your investment will grow over time.


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