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.

Calculadora de taxa de administração

A taxa anual de um fundo é descontada silenciosamente do patrimônio, então seu custo real passa despercebido. Isto mostra as taxas e, geralmente maior, os juros compostos que elas impedem.

Valor inicial$Aporte mensal$Retorno anual%Taxa de administração%A taxa anual do fundo, ex.: 0,75.Anos

Custo total da taxa: −$46,410
Saldo com a taxa: $224,962
Saldo sem taxa: $271,372
Taxas efetivamente pagas: $21,759
Crescimento que essas taxas impediram: $24,651
Proporção do saldo sem taxas: 17.1%

Ano	Com a taxa	Sem ela
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

Uma taxa paga um serviço — isto dimensiona o custo para você avaliá-lo, não defende que algum fundo seja adequado para você.

Como isto é calculado

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

Exemplo resolvido

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.

Perguntas frequentes

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.

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