费用率计算器
基金的年度费用会悄悄从资产中扣除，因此真实成本很容易被忽略。这里展示费用本身，以及通常更大的一块 — 被它们挡住的复利。
- 该费用的总成本
- −$46,410
- 含费用的余额
- $224,962
- 无费用时的余额
- $271,372
- 实际支付的费用
- $21,759
- 这些费用挡住的增长
- $24,651
- 占无费用余额的比例
- 17.1%
| 年 | 含费用 | 不含 |
|---|---|---|
| 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 |
费用是为服务付费 — 这里只是把成本量化以便您权衡，并非主张某只基金适合您。
计算方式
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
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.
常见问题
- 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.
其他免费工具
本工具仅对您输入的数字进行计算。它仅供信息和教育用途，不构成投资、税务或财务建议，也不是买入、卖出或持有任何证券的推荐。测算是假设，而非预测。请务必自行尽职调查。