Mutual fund 和 fees calculator
See how fund charges 和 sales loads reduce growth compared with a low-cost index fund.
关于Mutual fund 和 fees calculator
See how fund charges 和 sales loads reduce growth compared with a low-cost index fund.
属于 SmartCalcy“投资与储蓄”板块。它在你的浏览器中运行，无需账号，使用你自己的货币和单位（可在页面顶部更改），所给结果仅为估算、仅供参考，因此在依赖结果之前请查阅官方指引。
如何使用Mutual fund 和 fees calculator
它计算什么，何时使用
Shows how a fund’s ongoing charge 和 sales 重量 reduce your growth compared with a low-cost fund, over your investment 周期.
使用步骤
- Enter the 数量 投入、每月 additions、the return before charges.
- Enter your fund’s 每年 charge 和 any front-end sales charge.
- Enter a low-cost alternative’s 每年 charge 和 the 年.
各输入项的含义
- 每年 charge – Expense 比 或 ongoing charges figure.
- Front-end sales charge – Taken 从 每件 首付 before it 是 投入.
如何阅读结果
- Your fund after charges – The projected 余额.
- 成本 your fund – Growth lost compared with a fund with 否 charges.
- Extra 从 the low-cost fund – The 收益 从 switching 至 lower charges.
公式
Net return = gross return − charge. 余额 = (PV × k) × (1 + m)^n + (首付 × k) × ((1 + m)^n − 1) ÷ m、where m = (1 + net)^(1 ÷ 12) − 1、k = 1 − front 重量.
计算示例
每月 20,000 plus 300件25 years at 7% before charges grows 至 343,461 with no charges. With a 1.2% charge you end with 278,970, losing 64,492. A 0.15% fund ends at 334,573, which 是 多 55,603 个.
假设与局限
- The same gross return件every fund.
- Active funds may 或 may not outperform after charges.
常见错误
- Ignoring platform fees 和 trading costs.
- Thinking a 1% charge 是 small. It compounds.
常见问题
What 是 an expense 比?
The yearly percentage your investment taken 至 run the fund. It 是 taken 从 returns automatically.
相关工具
详情
- 总计 you put 英寸
- £110,000.00
- With 否 charges 以 all
- £343,461.22
- 成本 your fund
- £64,491.55the possible 总计 的 18.8%
- Low-cost fund instead
- £334,572.96
- Extra growth 从 the low-cost fund
- £55,603.30