経費率計算ツール
ファンドの年間手数料は資産から静かに差し引かれるため、実際の負担は見落とされがちです。ここでは手数料そのものと、通常はそれより大きい「妨げられた複利」を示します。
- 手数料の総コスト
- −$46,410
- 手数料ありの残高
- $224,962
- 手数料なしの残高
- $271,372
- 実際に支払った手数料
- $21,759
- その手数料が妨げた増加分
- $24,651
- 手数料なし残高に占める割合
- 17.1%
| 年 | 手数料あり | 手数料なし |
|---|---|---|
| 5 | $67,546 | $70,128 |
| 10 | $91,248 | $98,358 |
| 15 | $123,269 | $137,952 |
| 20 | $166,526 | $193,484 |
| 25 | $224,962 | $271,372 |
手数料はサービスの対価です。ここではその費用を数値化するだけで、特定のファンドが適切だと主張するものではありません。
計算方法
net monthly rate = (1 + annualReturn)^(1/12) - 1 - (annualFee / 12)
- annualReturn
- assumed gross return before any fee
- annualFee
- the expense ratio, deducted continuously through the year
- growth forgone
- the difference between the two balances, minus the fees actually paid
計算例
A $50,000 balance growing at 7% for 25 years reaches about $271,000 with no fee. At a 0.75% expense ratio it reaches about $225,000. Roughly $22,000 of the $46,000 gap is fees paid; the rest is growth those fees prevented.
よくある質問
- What is an expense ratio?
- The annual percentage a fund charges to run itself, deducted from the fund assets rather than billed to you. A 0.75% expense ratio on a $10,000 holding is about $75 a year, taken continuously and invisibly, which is why the cost is so easy to overlook.
- Why is the true cost of a fee larger than the fee itself?
- Every dollar taken as a fee is also a dollar that stops compounding. Over long horizons the forgone growth is usually larger than the fees themselves, so comparing only the headline percentages understates the difference between two funds.
- Is a lower expense ratio always better?
- Not automatically. A fee buys a service, and funds differ in what they hold, how they trade and how closely they track. The point of this calculator is to size the cost accurately so you can weigh it against what you are getting, not to argue that any particular fund is right for you.
その他の無料ツール
このツールは入力された数値を計算するものです。情報提供および教育目的のみであり、投資・税務・財務上の助言ではなく、いかなる証券の売買や保有を推奨するものでもありません。試算は仮定であって予測ではありません。必ずご自身で十分に確認してください。