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Impact of Fees On Portfolio Growth Over The Long-Term
Current Age
Mkt Return
Inflation
Real Return
Firm A Costs (Default DIY)
Firm B Costs (Default "Free Advisor" Mutual Funds)
%AUM Advisor Fee
%AUM Advisor Fee
Fees for funds used
Fees for funds used
Behavioural Gap Cost
Behavioural Gap Cost
Advisor Value-Add
Advisor Value-Add
Net Cost Per Year
Net Cost Per Year
Average Annual Net Real Return
Average Annual Net Return
Scenario A
Scenario B
Age
Contribution
New Contributions (Withdrawals) Firm A vs B
Fee-Only Consult
New Contributions (Withdrawals) Firm A vs B
Fee-Only Consult
(Withdrawal)
Adjust
Firm A
Firm B
Cost /5yr Interval
Adjust
Firm A
Firm B
Cost /5yr Interval
Portfolio Value
Cumulative Fee & Behavioral Cost
Portfolio Value Over Time
Cumulative Fee & Behavioral Cost Over Time
Age
Age
Scenario A
Scenario A
Scenario B
Scenario B
Difference
Difference
This calculator is for illustrative and entertainment purposes only. It ignores taxes which could decrease portfolio values substantially. Values are in "current dollars". When switching firms, it just changes moving forward (doesn't transfer existing assets). Withdrawals come from the lower return firm first.
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